A Smartcard is looch’s business card, a Visa Commercial Card issued from the app. A virtual Smartcard is a virtual Visa card that works everywhere Visa is accepted. A physical Smartcard is available only to executives for in-person use.
Last verified: September 30th, 2026.
You can create a virtual Smartcard from Cash
Go to Cash in the nav bar, then Smartcards. The 'Virtual' tab shows each virtual Smartcard’s tracking tag, 'Ending in' and its last four digits, and its 'On' or 'Off' switch.
Swipe to the '+' card and tap it to start a new virtual Smartcard. When the intro opens, tap anywhere to continue.
Choose the looch account the Smartcard spends from on 'Linked account', such as 'Primary Business' or 'Tax Stash'.
A physical Smartcard is available to executives
On the 'Physical' tab, a teammate with the Representative or Executive role can start a physical Smartcard from its '+' card. A physical Smartcard is for in-person use only, can’t be used with a mobile wallet, and can only be linked to Primary Business.
Smartcards include spending and bookkeeping controls
Each virtual Smartcard spends from its linked looch account, which can be changed anytime.
Each virtual Smartcard has its own tracking tag, which is applied to every transaction and can be used for searches and financial reports.
'Auto-enter' assigns a category to a Smartcard so its transactions are automatically categorized.
A spending limit can be daily, monthly, or all-time.
A 3% foreign transaction fee applies to transactions in currencies other than USD or with merchants outside the United States.
looch doesn’t run a credit check on you or your business.
See Smartcards for product details or read about a business card with automatic bookkeeping.
Common Smartcard questions
Is a looch Smartcard a Visa card?
A looch Smartcard is a Visa Commercial Card. A virtual Smartcard is a virtual Visa card that works everywhere Visa is accepted.
Can I use a Smartcard for online purchases?
A virtual Smartcard can be used for online and in-app transactions. A virtual Smartcard can also be used in person with a mobile wallet.
Which account does a Smartcard spend from?
Each virtual Smartcard spends from its linked looch account, such as Primary Business or Tax Stash. A physical Smartcard spends from Primary Business.
Does looch run a credit check for Smartcards?
looch doesn’t run a credit check on you or your business for Smartcards.
Is there a fee when I use a Smartcard abroad?
A 3% foreign transaction fee applies to Smartcard transactions in currencies other than USD or with merchants outside the United States.
looch Smartcards Visa® Commercial Cards are powered by Stripe and issued by Celtic Bank.
About looch
Get the most out of looch, the financial operating system for your business. looch is a mobile app available on the App Store and Google Play.