Here are answers to common questions about physical benefit cards.
What’s my PIN?
Your physical card doesn't have a PIN. At checkout, if you're asked to choose between “credit” and “debit,” choose “credit” — even if your card says “debit.” Choosing debit will prompt you for a PIN you don't have, and the purchase won't go through.
Why was my card declined?
A few common reasons:
Your card hasn't been activated yet.
The expense isn't eligible for your benefit. Different benefits cover different things — see your plan details for what's covered.
You exceeded your account balance.
You selected "debit" at checkout (see the PIN question above).
You locked your card.
You used your card abroad for an international transaction.
Your card has met its daily spending limit.
What’s the difference between virtual and physical cards?
Your virtual and physical cards have different numbers, but they pull from the same account balance. Use whichever you have on hand. The separate numbers exist for security — your virtual card protects your physical card details when you shop online.
Member resource
To learn how to activate and use your virtual card, check out “Use your virtual card.”
Can I replace my card?
Yes. To replace a lost, stolen, damaged, or compromised card, go to the Cards tab, select the overflow menu next to your card, and choose Request a new card.
Member resource
To learn more, see “Manage your cards.”
When will my card arrive?
Cards typically arrive within 5 to 10 business days.
Can I add my card to a digital wallet?
Yes! See “Add your card to a digital wallet.”
Member resource
To learn more, see “Add your card to a digital wallet.”