How can I get an Store virtual credit card?

A lot of people are asking how they can get an Store virtual credit card. The answer is, unfortunately, you can’t. The Store Card cannot be used to get a virtual credit card number through Synchrony Bank.

This is because the Store Card is a store card, and not on a major credit card network. To get virtual versions of a credit card, the card must be on one of these major credit card networks: Visa, Mastercard, or American Express.

What is a Virtual Credit Card?

A virtual credit card is a temporary credit card number that you can use for online shopping. These numbers are generated by your credit card issuer and are linked to your actual account.

Virtual credit cards offer an extra layer of security when shopping online because they can be used for one-time transactions only. That way, even if your virtual credit card number is compromised, your actual account number remains safe and secure.

How can I get an Store virtual credit card
How can I get an Store virtual credit card

Physical vs Virtual Credit Cards

Virtual credit cards are more secure than physical ones because they generate a new number for each transaction. This makes it difficult for someone to hack your account and make unauthorized charges. 

Physical credit cards are more convenient because you can use them anywhere that accepts credit cards. Virtual credit cards can only be used online and at specific merchants that accept them. 

If you have an Store Card, you can still use it for shopping at and at physical stores that accept Discover cards. You just won’t be able to get a virtual number for it through Synchrony Bank. 

Why Can’t I Use My Store Card to Get a Virtual Credit Card Number?

The Store Card is issued by Synchrony Bank, but it’s not on any of the major credit card networks (Visa, Mastercard, or American Express). Because of this, Synchrony Bank does not offer the option to generate a virtual credit card number for the Store Card.

What’s the Difference Between a Store Card and a Major Credit Card?

A store card can only be used at the retailer that issues the card (in this case, Amazon). A major credit card can be used anywhere that accepts that particular network (e.g., Visa, Mastercard, American Express).

Store cards usually have lower credit limits and higher interest rates than major credit cards. They also tend to have fewer perks and rewards than major credit cards. However, store cards sometimes offer exclusive discounts and financing options that are not available with major credit cards.


The bottom line is that you cannot use your Store Card to get a virtual credit card number through Synchrony Bank because it’s not on a major credit card network.

If you’re looking for an extra layer of security when shopping online, you’ll need to use a different method—such as creating a unique login ID and password for each website you shop on—to protect your account information.

Thanks for reading!

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.