We believe that our Members should have easy access to their money. To maximize flexibility, every account comes with the following 3 types of cards:
- Primary Card: This is your Cogni Visa debit card, issued as a physical plastic card mailed to your home address. This also has a digital representation in the app, and can be added to 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo. This card must be activated before it can be used. This is the only card type supported for ATM usage.
- Digital Card: This is a virtual card that’s valid for a full year. This is an entirely separate card number from the Primary card, thus giving you flexibility where and how you use it. For example, you could choose to put this card on file for Amazon purchases while you choose to use your Primary card for physical in-store purchases. This also has a digital representation in the app, and can be added to 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo. This card is automatically activated so it is ready for use as soon as you are approved!
- Single-Use Card: This is a virtual card that is valid for only a single purchase. They are automatically canceled after the first purchase. Each Single-Use card generated creates an entirely new card number. These provide the ultimate in worry-free shopping, for example on unfamiliar websites. They are also useful for trial subscriptions, since the subsequent subscription charges will be declined. This card is automatically activated each time it is generated! Note: Due to the single-use nature of the cards, they cannot be used in 3rd party digital wallets such as Apple Wallet, Paypal, and Venmo.
Each of these are Cogni Visa debit cards issued by our partner bank and can be used anywhere Visa is accepted.