Virtual or physical Visa card — which should your business use?

⏳ From 1 August 2026 — Juuli cards can be topped up only from your Juuli account balance; topping up a card directly from an external bank account will no longer be available.

Both card types are funded the same way — you top up each card from your Juuli account or an external bank account — and both work everywhere Visa is accepted. The right choice comes down to how your business spends. Most businesses use a mix: virtual cards for online and recurring costs, and a physical card for in-person purchases.

Virtual cards — instant and online-first

A virtual card is created instantly in-app and is ready to use the moment it is issued — no waiting, no shipping. It is ideal for:

• Online subscriptions and SaaS tools (each tool can have its own card)
• Advertising spend and supplier payments
• Setting clear spending boundaries per project, team member or vendor

Because virtual cards are quick to create and freeze, they are a clean way to keep recurring costs separate and easy to track. You can freeze or unfreeze any card from the app at any time.

Physical cards — for in-person spending

A physical card is shipped to your business address and is best when you need to pay in person — for example, travel, hospitality or buying equipment at a store. A physical card arrives inactive for security and is activated in-app once it reaches you.

How they compare

What your plan includes

Each plan comes with a set number of cards, so the choice may also depend on what is already included:

• Freemium: 1 virtual card included; physical cards are not available
• Pro: 5 virtual + 1 physical card included
• Max: 15 virtual + 3 physical cards included

Included cards ship free; extra cards carry a one-time card fee plus shipping for physical cards. Card costs are one-time only — there is no monthly or renewal charge. For full pricing, see below.

Related: Is there a setup fee? And how much does the physical card cost?

Our recommendation

If your spending is mostly online, start with virtual cards — they are instant and free to manage. Add a physical card when you need to pay in person. You can always create more cards later as your needs grow, within your plan's limits.

Still have questions? Email our support team at support@juuli.com — we're happy to help you choose the right card setup for your business.