#381 ·
If you’re looking for the absolute safest way to handle online shopping, I’d honestly point you toward the Visa Web prepaid card from Chase. It’s one of those clever little tools where you don't have to worry about hitting an overdraft or blowing past some massive credit limit, because there isn't one—you really can't go into the negative. The whole idea is pretty straightforward: you just transfer whatever specific amount you need for a purchase directly from your checking account onto the card, and that’s it. If you happen to have leftover cash sitting on it, you can just grab it at any ATM or use it in a store just like any other standard debit card. Personally, I think it’s perfect for online shopping since you basically set your own spending limits on the fly. You can use it at ATMs and retailers all over the world, which makes it handy for travel, and it actually works quite well as a little side savings vehicle too. There aren't any interest charges to deal with, and the annual fee is just $17 (though it’s totally free if you’re a student). Plus, you get total peace of mind knowing that if any fraudulent activity pops up online, you're fully covered by State Farm.
