Extend purchasing power to your workforce.

You need a fast, efficient and easy way for your employees, contractors and external consultants, who don't have a corporate credit card, to pay for unplanned purchases like travel, project expenses and office supplies.

With U.S. Bank Instant Card® you can extend a temporary virtual credit card to anyone in your organization, anywhere, instantly and keep your operations moving.

What are the features and benefits of using Instant Card?

Simple to use

With one click, recipients can download the Instant Card into their mobile wallet for in-store purchases or securely view full card details to make online purchases.

Instant access to funds

Once downloaded, funds are available to use immediately. There’s no waiting for a physical plastic card.

Fast, temporary solution

Easily and quickly send a temporary virtual credit card to make business purchases without using a personal credit card.

Keep control

Set card limits and expiration dates to protect against fraud and misuse. Readily review transactions online in U.S. Bank Access® Online.

From set up to payment, using Instant Card is easy.

With just a few simple steps, you can send an Instant Card to anyone in your organization who needs it.

How does Instant Card work?

From the Instant Card mobile or desktop app, send a temporary virtual card directly to a user for immediate use.

Step 1:

Enter basic recipient details, set the credit limit and expiration date.

Step 2:

Push the temporary, virtual credit card to the recipient through the Instant Card app.

Step 3:

The recipient can view the account details on their smart device and add the card details to their mobile wallet.


Read our articles and benefit from our payments expertise.

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Personal vs. corporate cards

Read why asking your employees to pay for business expenses with a personal card may hurt your organization – and employees – in the long run.

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Mobile tools for employees

Learn why it’s important to provide employees the tools to transition between their professional and personal life seamlessly.

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Mobile payment adoption

Digital payments and mobile wallet use has significantly increased since 2020. See why mobile payments are poised for considerable growth in the U.S.

Instant Card questions? We’ve got answers.

Start of disclosure content


Android is a trademark of Google LLC.

Apple, iPhone, iPad, Apple Pay, Touch ID and Face ID are registered trademarks, App Store is a registered service mark, and Apple Wallet is a trademark, of Apple Inc.

The creditor and issuer of U.S. Bank charge cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A., Inc., and Mastercard® International Inc.

Notice: Foreign-denominated transactions are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

The foregoing products are available solely for business transactions and not for personal, family or household transactions.