What is the difference between a virtual and physical Meow card?

Meow offers two types of corporate Visa cards: virtual and physical. Both are issued at no cost, carry up to 2% unlimited cashback, and can be managed from your dashboard. Here's how they differ.

Virtual cards

Virtual cards are digital-only cards that are issued instantly. They have a card number, expiration date, and CVV — just like a physical card — but exist only in your Meow dashboard (and your digital wallet).

Best for:

• Online purchases and subscriptions

• Vendor-specific spending (one card per vendor for easy tracking)

• Employees who primarily spend online or need a card immediately

• Adding to Apple Pay or Google Pay for contactless payments

Available: Instantly after creation.

Physical cards

Physical cards are standard Visa commercial cards mailed to your business address. They work anywhere Visa is accepted, in-person and online.

Best for:

• Team members who make in-person purchases (travel, meals, office supplies)

• Any spend that requires a physical card at point of sale

Shipping time: Physical cards typically arrive within 7–10 business days after being created (including 3–5 days processing time).

Key differences

Can I have both?

Yes. You can issue both virtual and physical cards to the same team member, or create virtual cards for specific vendors alongside a physical card for general spending. There is a limit of 1 physical card per team member.