You wake up to an email you didn’t expect: your Wise business debit card is available again in the US. No press release. No fireworks. Just a quiet switch flipped—and suddenly founders are ordering cards and tapping to pay like nothing ever changed.

That tiny plastic rectangle solves a big, annoying reality for global entrepreneurs: when your US LLC lives online, you still need a physical, reliable way to spend in the States—ads, SaaS, travel, client dinners, the works. Wise just put that convenience back on the table.

What’s new—and why it matters

Wise restored US business debit cards, with a simple in-app process to order a physical card (virtual card controls included). Expect identity checks and basic corporate verification during the flow, plus card controls like freeze/PIN/limits right inside the dashboard.

There’s a catch you must plan for: shipping is US-only and a real US physical address is required; do not rely on a registered-agent address for delivery. Wise screens who owns 25%+ of the company, so have your ownership details tight before you hit “Order.” Delivery can take around 13 days, and yes, US mail can be slow—build that into your timeline.

Rebel truth: stop losing hours “figuring it out.” Set up the card correctly once, and you reclaim your calendar for growth.

Story: Daniela runs a Costa Rica–Argentina partnership with a US LLC. Ad spend in USD, clients in three time zones, receipts everywhere. Her pain wasn’t opening a Wise account—it was spending smoothly in the US without juggling transfers. When Wise brought back the US business debit card, the friction vanished: virtual card for online tools, physical card for travel days, controls for limits and receipts. (Wise lets you freeze/unfreeze, view PIN, and manage transactions right in app.)

Your checklist mindset:

• Use a real US delivery address. Don’t risk returns or compliance red flags.

• Be transparent on ownership (>25%). Get docs ready; it shortens verification.

• Leverage virtual + physical. Spin up a virtual card for software and recurring spend; keep the physical for on-the-ground expenses.

If you want a sanity check before you order, book a free strategy call—we’ll map the address strategy and compliance steps with you: Schedule here

If you’ve heard scare stories, you’re not imagining things: some users have faced shutdowns and funds holds. Wise can be amazing if your profile, activity, and documentation stay aligned with policy. James has discussed these realities openly—and how to minimize the risk going forward.

Emperor move: operate like a grown-up bank customer. Keep clean invoice trails, consistent transaction patterns, and a credible US footprint for the card. If your model is legit, your setup should look legit.

A debit card doesn’t change your tax exposure by itself—but it does make bookkeeping real-time and audit defense stronger. Every swipe = a receipt you can categorize the same day. James’s mantra: “fully deductible business expenses—and keep your receipts.”

The neuro-win isn’t just less friction—it’s less anxiety. When your spend is controlled, categorized, and tied to proof, your quarterly reviews feel like progress, not punishment.

Wise shines for FX, local details, and operational spend. If you need more robust payment processing, you may pair Wise with a processor or explore alternatives (James mentioned interviewing providers with broader payment stacks). The right stack is about fit, not fanboying one logo.

If you’re unsure where to start, book your free call and we’ll sketch your banking + payments map—from “first card in the US” to “clean, scalable operations.”