--- title: Set Up Flyweel Cards description: Set up your Flyweel card account, choose debit or capital mode, complete verification, and issue your first card. url: "https://www.flyweel.co/docs/cards/get-started" type: static generatedAt: "2026-09-08T07:20:56.838Z" --- ![Documentation hero background](https://astro-flyweel-docs.vercel.app/vision-hero.webp) # Set Up Cards A workspace owner or admin sets up Cards from the Flyweel app. The application runs inside Flyweel, with identity verification in a CapitalOS-hosted form. Once the account is approved, you issue your first card and begin reviewing activity. ## Before you start[Link to this section](#before-you-start) You need: - A Flyweel workspace. - Owner or admin access. - A US company for the current Cards launch. - A verified company email on your account. Flyweel asks you to verify one if it is missing. - Your legal business name, business structure, and website. Submitting an application does not guarantee approval or a particular limit. The “you could access up to” figure on the first screen is an estimate based on your ad spend, not an offer or a limit. ## Choose debit or capital mode[Link to this section](#choose-debit-or-capital-mode) US companies choose one mode for their card account during setup: - **Debit mode:** You fund your own limit with a deposit. Your limit is what you put in, with no underwriting. - **Capital mode:** Card spending uses a pay in full charge card. Your limit is set by underwriting after the account is approved.[2](#card-disclosure-2) The mode is locked once your account is created. To change it later, contact Flyweel. ## Two ways to start[Link to this section](#two-ways-to-start) - Open **Cards** in the Flyweel app. - During signup, US companies see an optional **Card setup** step. It runs the same screens. You can skip it and finish later from **Cards**. ## Set up your card account[Link to this section](#set-up-your-card-account) 1. **Open Cards** Sign in to Flyweel and open **Cards**. Select **Get started**, or **Resume application** if you started earlier. 1. **Business details** Enter your first and last name, legal business name, business structure, website, and country. Sole proprietors are not asked for a legal business name. The country is locked if your workspace already set it in Company details. Select **Continue**. If your company is outside the United States, the button becomes **Notify me** and setup ends here. 1. **Card account type** Choose **Credit line** for capital mode or **Deposit-funded** for debit mode, then select **Continue**. This creates your card account and locks the choice. 1. **Identity verification** Complete the CapitalOS-hosted form. When it closes, Flyweel shows the outcome: - **Approved:** continue to issue a card. - **In review:** most applications are decided the same day, and typically within two business days. Flyweel emails you with the answer. - **Needs more information:** check your email for what is missing, then select **Resume application** in Cards. - **Declined:** check your email. Flyweel cannot overturn the decision. 1. **Issue card** Complete the hosted card form. Leave the budget empty and the card can spend up to your account limit, shared with your other cards. You can set a budget any time after the card is issued. 1. **Card ready** Select **View Capital**. Your new card appears under **Card management** with its status and last four digits. In capital mode, your limit may still be pending after approval. It appears on the Cards page as soon as underwriting sets it. In debit mode, add funds to start spending. ## After setup[Link to this section](#after-setup) Use the Cards workspace to: - Issue more cards. - Set a budget on each card. - Review recent activity. - Open statements. - Connect QuickBooks Online from **Account actions**. - Follow limit, decline, card, and dispute notifications. ## If setup does not complete[Link to this section](#if-setup-does-not-complete) - If Cards does not appear, confirm that you are a workspace owner or admin. - If Flyweel asks you to verify your business email, enter your company email and follow the link it sends. The link expires in 24 hours. - If a form does not load, select **Try again** and check your connection. - If the card step says the account is not provisioned yet, select **Retry**. - If your status has not refreshed, use **Refresh**. - If the problem continues, contact [team@flyweel.co](mailto:team@flyweel.co). ## Frequently asked questions ### Who can set up Cards? Workspace owners and admins with a verified company email can set up and manage the card account. ### Can I issue a card before the account is approved? No. Card issuing becomes available after the account is approved. ### Will applying create a card automatically? No. After approval, an owner or admin still needs to select **Issue card** and complete the card form. ### How long does the decision take? Most applications are decided the same day, and typically within two business days. Flyweel emails workspace owners and admins when there is an answer. ### What if I am outside the United States? Cards are launching in the US first. Enter your country during setup and select **Notify me** . Flyweel emails you when cards reach your country. ## Card disclosure 1 1 Flyweel partners with CapitalOS for Flyweel Capital Card. Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. ## Card disclosure 2 2 Flyweel Capital Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or Flyweel Balance. If your account cannot be successfully debited on the payment due date, your card may be locked and you won't be able to make new purchases until your balance has been repaid. Late fees may apply. ## Card disclosure 3 3 Your business performance is used and periodically reviewed to assess qualification for initial credit and future credit increases. If eligible, you will have the option to accept any future increases. --- **Need help?** Email [team@flyweel.co](mailto:team@flyweel.co). ### Ready to get started? Start optimizing your ad spend today with Flyweel. [Start Free](https://signup.flyweel.co)