Earn up to 3.35% APY2.  No account fees. No minimum balances.

Virtual Cards are here, and they're kind of a big deal!

Baselane’s Visa Virtual Cards work exactly like your physical debit card—they just live on your Baselane Banking platform instead of your physical wallet. They allow you to automate bookkeeping, give you greater control over spend, and are a safer and more convenient way to pay.

What's so special about our Virtual Cards?

Automate Expense Categorization

Make bookkeeping a breeze. Set rules for each card to have all transactions auto-tagged to a property and expense category.

Create Up to 10 Virtual Cards per Banking Account

Use them to manage your spending, create separate cards for different expense types, properties, vendors and more.

Control Your Spend

Set spending limits, lock, unlock, and close cards any time you want.
If the card is locked or the transaction goes over the limit, it will automatically decline.

Instant Activation

You don’t have to wait for your card to arrive in the mail—start using it from the moment it’s created.

Unlimited 1% cash back3

Get the same great rewards that you have with your physical Baselane debit card.

Better Security

There is no physical card that can be stolen. Instantly lock or close your card details if you think your account has been compromised. Plus, built-in Visa fraud protection.

Add to Apple Pay and Google Pay

Instantly add Baselane Virtual Cards to Apple Pay and Google Pay, to use anywhere contactless payments are accepted.

How Virtual Cards Work

Start using Virtual Cards in a few simple steps

  1. Open a Baselane Banking account in minutes if you don’t already have one.
  2. Create a virtual card directly from your Baselane Banking page; instantly see the card number on the Baselane platform.
  3. Set a spending limit for the virtual card. Great for recurring payments, budgeting and control.
  4. Set card rules to have all transactions auto-tagged to a property and expense category.
  5. Get unlimited 1% cash back3 on spend and track your spending on the Transaction page.

© 2024, Skylight Financial Services Inc. (Baselane). All Rights Reserved.

Baselane is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Baselane Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.

2The Annual Percentage Yield (APY) on your Savings Account is accurate as of 18/09/24. Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Total balances less than $10,000 earn 1.75% APY for Savings Accounts. Total balances between $10,000 and $24,999 earn 2.64% APY for Savings Accounts. Total Balances between $25,000 and $49,999 earn 3.06% APY for Savings Accounts. Total balances of $50,000 or more earn 3.35% APY for Savings Account. Rates are variable and are subject to change after account opening.

3Terms and conditions apply to the cash back rewards program. 1% cash back is credited instantly following purchase with no maximum spend. No minimum spend applies. ATM transactions, the purchase of money orders or cash equivalents, and account funding made with your debit card are not eligible for cash back. Please refer to the Rewards Terms and Conditions for more details.

4Some states require an interest-bearing escrow account for security deposits while some don’t require interest. User is responsible to check state laws along with rules for collecting and reimbursing a refundable security deposit. A brief overview of security deposit laws for escrow accounts in all 50 states can be found here.

*All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.