What to do
Short fix path
- List the places you want to pay: online, travel, wallet, or in person.
- Choose the card type that matches the most common use case.
- If you need both, start with virtual and add physical later.
- Review the current fees before you order.
Common questions
Is virtual always enough?
For many online purchases, yes. Some merchants still prefer or require a physical card.
Should I order both?
Only if you know you will use both card types regularly.