> ## Documentation Index
> Fetch the complete documentation index at: https://docs.whop.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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 that accepts Visa and add your card to Apple Pay or Google Wallet in seconds. Earn 5% cashback on Uber and more.

## Use your pending balance instantly

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

This applies to card spending, instant payouts, and ad spend. A standard withdrawal to your bank pays out settled funds only, and transfers to another account don't draw on pending — for those, the funds have to clear first.

## 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:

* Uber
* More coming soon

## Add your card to a mobile wallet

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

## Why businesses love it

* **Speed.** Use it anywhere that accepts Visa, including online, and 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

<CardGroup cols={2}>
  <Card title="Treasury" icon="piggy-bank" href="/whop-finance/treasury">
    Earn up to 6% APY on your Whop balance automatically
  </Card>

  <Card title="Set up payouts" icon="money-bill-transfer" href="/manage-your-business/manage-payouts/set-up-payouts">
    Connect a payout method and start moving money out of Whop
  </Card>

  <Card title="Card declines & risk rules" icon="ban" href="/whop-finance/card-declines-and-risk-rules">
    Understand why a card transaction was declined and which risk rules applied during authorization
  </Card>

  <Card title="Blocked categories & merchants" icon="shield-halved" href="/whop-finance/blocked-categories-and-merchants">
    See the merchant categories and merchants that Whop Cards block by default
  </Card>
</CardGroup>