Getting Your Card
Crowd.Credit cards let you spend against your credit line anywhere Visa is accepted -- online, in-store, or via contactless payment.
Card Types
Virtual Card
Available immediately upon reaching Verified KYC status.
- Instant issuance (available in under 60 seconds)
- Add to Apple Pay, Google Pay, or Samsung Pay
- Use for online purchases anywhere Visa is accepted
- Card details viewable in the Crowd.Credit app
- Free to issue
Physical Card
Available upon reaching Full KYC status.
- Premium metal card shipped to your verified address
- Contactless (NFC) enabled
- PIN protected for ATM withdrawals
- Delivered within 5-10 business days (US), 10-20 business days (international)
- One-time issuance fee: $10
Card Features
| Feature | Virtual | Physical |
|---|---|---|
| Online purchases | Yes | Yes |
| In-store purchases | Via mobile wallet | Yes |
| ATM withdrawals | No | Yes |
| Contactless payments | Via mobile wallet | Yes |
| Real-time notifications | Yes | Yes |
| Spending limits | Configurable | Configurable |
| Freeze/unfreeze | Instant | Instant |
| International usage | Yes | Yes |
Spending Limits
Your card spending limit is determined by your credit tier and collateral:
| Tier | Max Credit Line |
|---|---|
| SECURED_ONLY | 80% of collateral value |
| BUILDING | 100% of collateral value |
| ESTABLISHED | 150% of collateral value |
| PRIME | 250% of collateral value |
| PREMIUM | 500% of collateral value |
See Graduation Tiers for details on advancing through tiers.
How Purchases Work
- You make a purchase with your Crowd.Credit card
- The transaction amount is drawn from your available credit line
- Your deposits remain untouched and continue earning yield
- The purchase appears in your transaction history in real-time
- Payment is due at the end of your billing cycle
Managing Your Card
From the Cards section of the Crowd.Credit app, you can:
- View card details -- See your card number, expiration, and CVV
- Freeze/unfreeze -- Instantly disable or re-enable your card
- Set spending limits -- Configure per-transaction and daily limits
- View transactions -- See all card transactions in real-time
- Report lost/stolen -- Immediately freeze and request a replacement
- Order replacement -- Request a new physical card ($10 fee)