In addition to debit and prepaid virtual cards, there are virtual credit cards such as https://askwallet.io/capitalone.  

Yes, now you can quickly get credit on your account. Or you can get a virtual account with a credit limit.

Now the issuing banks have started to issue virtual cards like regular bank cards. Initially such cards were very different: they had no magnetic strip, a chip, a hologram, and the name of the holder was not specified.

The card number was indicated, a security code (CVV/CVC2) on the back side. Consequently, it was impossible to pay with such a card in an ordinary store or use it at an ATM. That is, it was used as a "memo" that was stored in the wallet in case of need for quick access to the details.

That's what the virtual account came to: today it is a full-fledged plastic card, mostly VISA or Mastercard.

Pros or cons?

Security.

 The virtual plastic card has retained this function completely. It is still the optimal solution for online shopping.

 Easy and fast processing/receipt. 

Delivery.

It can be produced free of charge. No visits to the bank and no queues. Free service. As a rule a pleasant bright design.

About pros and cons of virtual bank card you can talk a lot, but it is better to make it and try it yourself.