---
title: "Create Card"
method: POST
path: "/cards"
tags: ["Cards"]
---

# Create Card

`POST /cards`

Issue a virtual card, or apply for card issuing. An account with no application files one here and gets back a `202`; call again to issue the card once it is approved.

## Headers

- `Idempotency-Key` string

## Request body

- object
  - `account_id` string — The owning account ID (a biz_ identifier). Provide this or user_id.
  - `assigned_user_id` string — The account member (a user_ identifier) to assign the card to. Required for business card issuing accounts, and whenever a company API key files an account's first card application.
  - `name` string — A display name for the card.
  - `spend_limit` number — Spending limit amount, in dollars.
  - `spend_limit_frequency` 'daily' | 'weekly' | 'monthly' | 'one_time' — The window the spend limit applies to.
  - `transaction_limit` number — Per-transaction limit amount, in dollars.
  - `user_id` string — The owning user ID (a user_ identifier). Provide this or account_id.

## Response `201`

card created

- object
  - `billing` object, nullable, required — The billing address.
    - `city` string, nullable, required — Billing city.
    - `country_code` string, nullable, required — Billing country code.
    - `line1` string, nullable, required — Street address line 1.
    - `line2` string, nullable, required — Street address line 2.
    - `postal_code` string, nullable, required — Billing postal code.
    - `region` string, nullable, required — Billing region or state.
  - `canceled_at` string, date-time, nullable, required — When the card was canceled.
  - `created_at` string, date-time, nullable, required — When the card was created.
  - `expiration_month` string, nullable, required — Card expiration month.
  - `expiration_year` string, nullable, required — Card expiration year.
  - `id` string, required — Card ID, prefixed `icrd_`.
  - `last4` string, nullable, required — Last four digits of the card number. `null` for pending invitation cards.
  - `limit` object, nullable, required — The spending limit configuration.
    - `amount` number, required — The limit amount in dollars.
    - `frequency` 'daily' | 'weekly' | 'monthly' | 'one_time' | 'per_transaction', required — The window the limit amount applies to. `per_transaction` caps each individual authorization and is what a limit set with `transaction_limit` reports.
  - `name` string, nullable, required — Card display name.
  - `object` 'card', required
  - `secrets` object, nullable — Sensitive card details. Present only on `GET /cards/:id` for active cards; `null` when the card is inactive or details cannot be retrieved.
    - `card_number` string, required — Full card number.
    - `cvc` string, required — Card verification code.
    - `name_on_card` string, nullable, required — Cardholder name printed on the card.
    - `pin` string, nullable, required — The card PIN. Only returned when the request is authenticated as the user the card is assigned to; `null` for all other callers, including account API keys.
  - `spent_last_month` integer, nullable, required — Total spend in the last 30 days, in cents.
  - `status` 'null' | 'active' | 'frozen' | 'canceled' | 'invited' | 'denied', nullable, required — The card status. `denied` means the issuer declined the cardholder, so the card will never be issued.
  - `type` 'null' | 'virtual' | 'physical', nullable, required — The card type.
  - `user_id` string, nullable, required — Cardholder user ID, prefixed `user_`, when assigned.

## Other responses

- `202` — card not issued synchronously: application submitted, provisioning started, or onboarding invitation sent
- `400` — Invalid Parameters
- `401` — Unauthorized
- `403` — Forbidden
- `404` — Resource not found
- `409` — Conflict

## Changes

> 40 revisions in range; 6 could not be searched.

- **2026-08-14** `a84d4905fdbb` — 1 breaking, 1 info
  - added `subschema #1, subschema #2, subschema #3` to the response body `oneOf` list for the response status `202`
  - removed `subschema #1, subschema #2, subschema #3` from the response body `oneOf` list for the response status `202`
- **2026-08-07** `f1020c3ecda4` — 5 info
  - added the optional property `error/code` to the response with the `400` status
  - added the optional property `error/code` to the response with the `401` status
  - added the optional property `error/code` to the response with the `403` status
  - added the optional property `error/code` to the response with the `404` status
  - …1 more
- **2026-08-05** `6c970f803b46` — 1 warning
  - added the new `denied` enum value to the `status` response property for the response status `201`
- **2026-07-31** `099fdc3be422` — 1 breaking, 5 warning, 1 info
  - added `subschema #3` to the response body `oneOf` list for the response status `202`
  - added the new `daily` enum value to the `limit/frequency` response property for the response status `201`
  - added the new `monthly` enum value to the `limit/frequency` response property for the response status `201`
  - added the new `one_time` enum value to the `limit/frequency` response property for the response status `201`
  - …3 more
- …earlier changes not shown

[Full history](https://skmtc.dev/whop/apis/whop-api/changes/cards/post.md)

---

[API](https://skmtc.dev/whop/apis/whop-api.md) · [All operations](https://skmtc.dev/whop/apis/whop-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/whop/whop-api/revisions/1b5d50d09479/schema)