I would give it ZERO stars if I could. Virtual card declines online EVERYWHERE. Called online store and they tried to run the card by phone DECLINED. When I check balance $$$ are there. When I check transactions it shows the THREE times the online store TRIED to run the card for payment and was declined. If you call customer service it directs you back to online and your interaction is with a BOT who cannot understand your issue and tries to compartmentalize you into a few preloaded questions. I had never heard of this card before my husband received it as a gift. I DO NOT believe it is legitimate and based on all the ONE STAR reviews this company should be reported to the BBB.