Yes — but they can grow with you.
Here’s how it works:
You cannot spend more than your “Available Spend Power”
To find your available spend power in the app, simply open the app and view your available spend power
Most accounts start with a $300 limit on virtual cards
If you’ve had a paycheck and your physical card is on the way, your limit may be up to $750
Once your physical card is activated, your virtual card can spend up to your full account limit
Want to lift the cap:
Set up Direct Deposit: Become a payroll user
Upgrade to the annual plan: Unlock the Elite Metal Card with the annual subscription
Order a physical card: Message us in the app and ask for a physical card
If you have a large upcoming purchase or need help, reach out to support - we’re here to help.
FAQs
Q: How do I remove the $300 cap?
A: Activate your physical card.
Q: How fast does my card arrive?
A: Usually within a few business days after you request it.
Q: Can I spend more without a physical card?
A: Yes—direct deposits can raise your virtual card limit.