> This page is for For Users.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://whop.ferndocs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://whop.ferndocs.com/_mcp/server.

# Whop Cards

> Spend your balance instantly and earn 5% cashback on select merchants

Spend your balance instantly and earn 5% cashback on select merchants. No extra fees, no waiting.

## How it works

With Whop Cards, you can spend your balance instantly without waiting for payments to settle. Spend anywhere Visa is accepted and add your card to Apple Pay or Google Wallet in seconds. Earn 5% cashback on Uber, Whop Ads, Content Rewards, and more.

## Use your pending balance instantly

No more waiting days for funds to clear. Your pending balance is available to spend the moment a payment comes in.

## 5% cashback with select merchants

Maximize your returns with 5% cashback on select merchants. Earn automatically when you use your Whop Card at participating merchants:

* Whop Ads
* Uber
* Content Rewards
* More coming soon...

## Apple Wallet and Google Wallet

Add your Whop Card to Apple Wallet or Google Wallet in seconds. Tap to pay anywhere Visa is accepted and start spending immediately.

## Why businesses love it

* **Speed.** Accepted anywhere Visa is, online or in stores. Add it to Apple Pay and start spending.
* **Cashback.** Earn 5% back from selected merchants.
* **Management.** Keep all your business funds in one place.

## Create cards for employees and set spending limits

Issue cards to your team in seconds. Set custom spending limits per card to keep budgets in check.

## For platforms

Platforms can issue cards for their users via API and earn a portion of interchange, at no additional cost to the user.

## Next steps

#### [Treasury](/whop-finance/treasury)

Earn up to 6% APY on your Whop balance automatically

#### [Set up payouts](/manage-your-business/manage-payouts/set-up-payouts)

Connect a payout method and start moving money out of Whop

#### [Card declines & risk rules](/whop-finance/card-declines-and-risk-rules)

Understand why a card transaction was declined and the risk rules applied during authorization

#### [Blocked categories & merchants](/whop-finance/blocked-categories-and-merchants)

See the merchant categories and merchants that Whop Cards block by default