The card

Getting your card, where it works, and what it costs.

Getting your card

Your virtual card is issued in seconds and delivered by email, then added straight to Apple Pay or Google Pay. There's no waiting for plastic to arrive and nothing to activate, it works the moment you have it.

Where it works

Willow is accepted anywhere major cards are accepted, online, in stores, and through Apple Pay and Google Pay. If a merchant takes contactless or a standard card today, Willow works there.

What it costs

The standard Willow card is free:

• No sign-up fee.
• No annual fee.
• 0% transaction fees on the standard tier.

Willow's model is built on balances and spend volume, not on per-transaction charges. We don't make money by nickel-and-diming the people who use the card.

What's coming

Physical premium cards, business and team cards, and getting paid onchain in real time are all on the roadmap, spend the same second you're paid, and earn on everything in between.