> ## Documentation Index
> Fetch the complete documentation index at: https://glide-9da73dea.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Visa cards

> Physical and virtual Visa cards. No foreign transaction fees from Glide. Apple Pay and Google Pay ready.

Your Glide card is a Visa Signature card issued against your multi-currency balance. Spend in any currency, anywhere Visa is accepted, with no foreign-transaction fees from Glide.

## What you get

* A **virtual card** issued instantly the moment your account is funded.
* A **physical card** that ships in 5–10 business days, with chip-and-PIN, contactless, and the GLIDE wordmark on the front.
* Add to **Apple Pay** and **Google Pay** in two taps.
* Spend from any currency you hold — the card pulls from the right balance automatically.
* **No foreign-transaction fees from Glide.** Visa's network rate (the wholesale interchange rate) is what you pay, period.

## How card spending works

When you tap your card at a merchant in Lisbon, the merchant charges in EUR. The authorization comes through Visa's network and lands in your dashboard immediately as a pending transaction. Glide:

1. Looks at your balances. If you have EUR, we settle from EUR.
2. If not, we pull from your nearest currency (typically USD or USDC) and convert at the live mid-market rate.
3. Confirms the authorization to Visa within 100ms.

No spread on the conversion. No 2–3% foreign-transaction surcharge. The price you saw on the receipt is what comes out of your balance.

## Issue a card

<Steps>
  <Step title="Open the cards screen">
    From the dashboard, tap **Cards → Issue a card**.
  </Step>

  <Step title="Pick virtual or physical">
    Virtual is instant; you can use it for online purchases, recurring subscriptions, and to add to Apple Pay or Google Pay. Physical takes 5–10 business days and is needed for in-person ATM withdrawals.
  </Step>

  <Step title="Pick the linked balance">
    By default, the card pulls from your **default currency** balance and falls through to others. You can pin a card to a specific currency if you want to keep, say, your USD card distinct from your EUR card.
  </Step>

  <Step title="Confirm and add to wallet">
    The virtual card details (PAN, CVV, expiry) appear immediately. Tap **Add to Apple Pay** or **Add to Google Pay** to add to your phone wallet.
  </Step>
</Steps>

## Multiple cards

You can hold up to:

* **Personal account** — 5 active cards (mix of virtual and physical).
* **Business account** — unlimited team cards, plus 5 admin-issued cards per beneficial owner.

See [Limits and controls](/cards/limits-and-controls) for per-card spending limits, freeze/unfreeze, and category restrictions.

## Lost or stolen card

From the dashboard, tap **Cards → pick the card → Freeze**. The card is unusable in under one second. No call center wait.

If the freeze was a precaution and you find the card again, tap **Unfreeze** to bring it back. If the card is gone for good, tap **Replace** to issue a new one with a new PAN; the old one is permanently void.

## Disputes and chargebacks

If you're charged for something that wasn't authorized, or a merchant didn't deliver what they promised, file a dispute from **Cards → Transaction → Dispute this charge**. See [Disputes](/cards/disputes).

## What we don't issue

* **Credit lines** — Glide is a debit-only product. We don't extend credit.
* **Chequebooks** — cheques are an obsolete rail and we don't support them. Use a wire instead.

## Next

* [Limits and controls](/cards/limits-and-controls)
* [Apple Pay and Google Pay](/cards/apple-google-pay)
* [Disputes](/cards/disputes)