A virtual card is another number on this account — not another person. Nothing to sign, and it works right away. Handy for a subscription or one store.

An authorized user is a person, not just a number. You set their monthly limit, and they read and sign the Cardholder Agreement before their card works.

Auto-split rulePurchases $300 and up · 3 months On
Credit limitShared across all cards $5,000