You can use your virtual card to spend up to your full spending limit. But if your account is new, virtual cards have a $100 spending cap. This cap goes away after you get your physical card and activate it.
How to order a physical card:
Open the Atlas app.
Tap the Menu button at the bottom right.
Scroll down and pick Contact support.
Choose Card Management.
Select Request physical card.
Follow the steps.
Based on an update on 10/17/2023:
If you use direct deposit, your virtual card spending limit can go up based on how much money was last deposited.
Example:
If $250 was deposited into your Atlas account, your virtual card limit will also increase to $250.