What is the difference between virtual and physical cards?

When issuing a card from the admin portal, you can choose whether to issue a virtual or physical card. Both card types can be added to your mobile wallet and come with no annual fees, no foreign transaction fees and 1% cash back on all spend!

A virtual card is ready to use as soon as it’s issued. Cardmembers can find the card details in their Caary mobile app – no plastic required.

Virtual cards are ideal for online and recurring transactions (e.g., a dedicated virtual card for subscriptions or supplier payments).

A physical card will arrive at the cardmember’s mailing address within 7 to 10 business days.

Physical cards can be used at any of the millions of merchants across 200+ countries where Mastercard is accepted.