Black Friday kicked off early this year withholiday dealsalready live.
The number of options at checkout is growing, both at physical stores and online.
In addition to Apple Pay and Google Pay, there arePayPal,Venmoand CashApp.
Not sure which payment method is best for you?
We’ll walk through the benefits and drawbacks of each to help you decide.
Avirtual cardreplaces your physical card number to be used online.
It prevents merchants from saving some of your information, therefore keeping it more secure while you shop online.
Some credit cards also offer rewards each time you spend, like cash back, travel miles or points.
If you need more time to pay back purchases, a0% introductory credit cardmight be appealing.
That may make it easier to track your spending, and it could protect you from overspending.
Debit cards don’t offer the sameperks you’ll get from most credit cards, though.
you’re free to’t earn rewards when you shop, for example.
Each BNPL service works a little differently.
One important distinction between BNPL services and credit cards is the way interest is charged.
Just see to it to compare BNPL repayment plans before committing to one.
it’s possible for you to also choose a BNPL option during checkout at a participating merchant’s website.
This may be a good payment option if you’re worried about security.
Digital wallets encrypt your financial information and alsouse tokenizationto keep your data safe.
They’re safest when used online or contactlessly in stores.
Venmo also has its own credit card – theVenmo Credit Card*.
