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How can I start spending?

Get your Atlas Card ready in just a few taps — no waiting required.

Updated this week

Use a Virtual Card Right Away

You don’t need to wait for a physical card to start spending. You can create a virtual card instantly.

How to Create a Virtual Card:

  1. Open the Atlas App

  2. Go to CardPhysical & Virtual CardVirtual Cards

  3. Tap + Create Card

  4. Choose your card type:

    • Standard: Accepted widely, cancel anytime (up to 2 cards)

    • Single-use: One-time purchase (available on annual plan)

    • Free trial: Auto-cancels in 24 hours (available on annual plan)

  5. Follow the prompts to finish setup.

Ways to use your virtual card:

Want a Physical Card?

Most users stick with virtual cards, but if you prefer a physical one, you’ve got options:

  • Become a payroll user

  • Upgrade to an annual membership

  • Reach out to support and request one

If you're eligible, you can track your physical card’s status on the Home tab of the app. Once it arrives, activate it under Home > My Cards.

FAQs

Q: Do I need to wait for my physical card to start shopping?

A: Not at all. You can create a virtual card and start spending immediately.

Q: Where can I find my virtual card details?

A: In the app, go to Cards > Physical & Virtual Cards > Virtual Cards, then tap your card to view the details.

Q: Can I use my virtual card in stores?

A: Absolutely! Just add it to your digital wallet and tap to pay like you would with any physical card.

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