What Is the Peanut Card?

The Peanut Card is a virtual card that lets you spend your Peanut balance wherever Visa is accepted. It is currently in closed beta, rolling out gradually through a waitlist — some users may be eligible to skip the waitlist, and peanut.me/shhhhh checks your eligibility. This page explains how to get the card, what you can do with it, what it costs, and what to do when a payment needs confirmation or gets declined.

What the Peanut Card is

The Peanut Card is a virtual card on the Visa network. There is no plastic: you get a card number, expiry date, and CVV in the app, and you can add the card to Apple Pay or Google Pay to pay in person. Purchases are paid from your Peanut balance and show up in your Peanut transaction history like any other payment.

Closed beta and the waitlist

The card is rolling out gradually. Entering the card flow puts most users on a waitlist, and access opens in waves, so being waitlisted is expected, not an error. Some users may be eligible to skip the waitlist: peanut.me/shhhhh checks your eligibility in a few seconds.

Get the Peanut Card

1. 1

   Open Profile → Card in the app

   That is where you apply for and manage the card. You can also go to peanut.me/shhhhh, which takes you straight into the card flow.

2. 2

   Verify your identity

   The card requires identity verification for all cardholders. If your Peanut account is already verified, you won't be asked to do it again. See how verification works.

3. 3

   Join the waitlist or skip it

   Most users join the waitlist and get access in waves. If you are eligible to skip it, the flow tells you right away.

4. 4

   Get your card details

   Once you have access, your virtual card is created and you can view its number, expiry date, and CVV in the app.

5. 5

   Start spending

   Pay online at any merchant that accepts Visa, or add the card to Apple Pay or Google Pay to pay in person.

What you can do with the card

• Pay online at any merchant that accepts Visa, including subscriptions and in-app purchases.
• Pay in person by adding the card to Apple Pay or Google Pay. Add it manually in your wallet app using the card details shown in Peanut.
• Freeze and unfreeze the card anytime in the app.
• View your card details (number, expiry date, CVV) whenever you need them.
• Change your card limit anytime. The limit controls how much of your balance is set aside for card payments; see how Peanut Card funding works for the details.

What the card costs

• Free virtual card: no issuance fee, no monthly or annual fee.
• Purchases in the same currency: no added fee.
• Purchases in another currency: converted at the Visa exchange rate, plus the 1% International Service Assessment (ISA). The ISA is a Visa network fee that is passed through — Peanut does not add a fee on top.

The card is subject to applicable limits, which you can adjust in the app. See fees & pricing for the full picture.

Confirming online payments (3-D Secure)

Some online merchants ask you to confirm a payment before it goes through. When that happens, the confirmation arrives as a Peanut app notification with a one-time code. Open the notification and approve or enter the code on the merchant's page. The code is never sent by email or text message, so keep Peanut notifications enabled on your phone.

Why a card payment might be declined

• Restricted merchant category. Some merchant categories are restricted by the card provider. If your payment was declined at one of these merchants, your funds return to your balance automatically, usually within minutes. You don't need to do anything.
• Amount above your card limit or balance. Check your card limit and your balance in the app, then try again.
• Frozen card. If you froze the card, unfreeze it in the app before paying.