When do I use my physical card vs. my virtual card?

We recommend you use your physical card for in-person purchases where Apple Pay or Google Pay are not available. You can use your virtual card for any online purchases or any time you are prompted to input your full card number to make a purchase.

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© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.

© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.

© 2026 Cardless, Inc., all rights reserved.

Cardless, Inc. 350 Townsend St., #610 San Francisco, CA 94107

Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated.

All other cards offered by Cardless are issued by First Electronic Bank, pursuant to license from Mastercard International Incorporated, or from Visa U.S.A. Inc., or from American Express. All offers are subject to credit approval.

American Express is a registered trademark of American Express. Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association and is used under license.

All other trademarks, service marks, and trade names referenced in this material are the property of their respective owners and are used for identification purposes only.