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

# Cards

> Issue and manage debit cards for your organization.

Every account comes with free debit cards. [Issue a new card](https://app.getlemma.com/_/cards/new) as virtual or physical, with optional custom spending limits. Only owners can issue cards, but any [team member](/guides/team-management) can receive one.

## Virtual and physical cards

* **Virtual cards** — available instantly after creation. Use them for online purchases or anywhere a physical card isn't required.
* **Physical cards** — a branded card mailed to your address. When you issue a physical card, the card number will be visible immediately so you can start spending right away.

<Columns cols={2}>
  <Frame caption="Press Order Card to issue your first debit card.">
    <img src="https://mintcdn.com/tobiasgetlemmacom/43cpOO8b6kag1Sjk/images/card-empty-state.png?fit=max&auto=format&n=43cpOO8b6kag1Sjk&q=85&s=7b6eae8484b7b36e9496be246e42f235" alt="Order Card button on an account page" style={{ aspectRatio: "1/1", objectFit: "contain" }} width="714" height="638" data-path="images/card-empty-state.png" />
  </Frame>

  <Frame caption="Already have a card? Click 'Issue new card' at the top-right of your cards list.">
    <img src="https://mintcdn.com/tobiasgetlemmacom/iU3hsO2FY7LFPlSY/images/card-list.png?fit=max&auto=format&n=iU3hsO2FY7LFPlSY&q=85&s=ed1937699c654db83c5d3ea8c89669d5" alt="Card list with Issue new card button" style={{ aspectRatio: "1/1", objectFit: "contain" }} width="766" height="256" data-path="images/card-list.png" />
  </Frame>
</Columns>

## Spending limits

We automatically block high-risk transactions. When issuing a card, you can also set two optional limits, on top of spending already being capped at the available cash in the linked account:

* **Max purchase amount** — declines any single purchase above a set dollar amount.
* **Max total spend** — caps total spend across a day, week, or month. Limits reset at UTC midnight. If you live in the east-coast, that means your daily card limit resets at 7PM EST.

If both limits are on, a purchase must fit within both, or it's declined.

<Frame caption="Set a max purchase amount and a max total spend limit when issuing a card.">
  <img src="https://mintcdn.com/tobiasgetlemmacom/YGo0_GymAFgbiWdv/images/card-controls.png?fit=max&auto=format&n=YGo0_GymAFgbiWdv&q=85&s=2530bb5a0d682c44d7c39d3936f1ef43" alt="Spending limits controls in the card issuance flow" style={{ objectFit: "contain" }} width="1236" height="1206" data-path="images/card-controls.png" />
</Frame>

## ATM withdrawals

Physical cards can be used to withdraw cash at ATMs. Withdrawals are capped at \$3,000 per day. If you set a smaller per-day spending limit on your card, that will also reduce the ATM withdrawal limit.