> ## Documentation Index
> Fetch the complete documentation index at: https://docs.agentcard.sh/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Give your own AI agent a virtual card

AgentCard Personal lets an individual create and manage virtual Visa cards that their AI agent can use to make purchases on the web. You sign in with your email, add cash to your balance, and issue cards with a fixed spend limit — backed by your cash balance and only charged when the card is actually used.

This is the **Personal** product, built for one person managing their own cards. If you're a company issuing cards to your end-users programmatically, see the [Companies](/companies/introduction) docs instead.

## Two ways to use it

<CardGroup cols={2}>
  <Card title="MCP server" icon="plug" href="/personal/mcp/overview">
    Connect `mcp.agentcard.sh/mcp` to Claude Code, Cursor, Claude Desktop, or any MCP client. Your agent gets tools to create cards, check balances, and pay for things — authenticated with your own OAuth login.
  </Card>

  <Card title="CLI" icon="terminal" href="/personal/cli/overview">
    Manage everything from your terminal with the `agent-cards` CLI — sign up, add cash, create cards, and shop.
  </Card>
</CardGroup>

## How it works

1. **Sign in** — `agent-cards signup` (or connect the MCP server) and approve the sign-in in your browser; we fall back to an emailed one-time code where a browser isn't available.
2. **Add cash to your balance** — Add money with Apple Pay or Google Pay via a secure checkout link. Your cash balance funds the virtual cards you create.
3. **Create a card** — Issue a virtual Visa with a spend limit. It draws on your cash balance when the card is used.
4. **Give it to your agent** — Your agent uses the card number, expiry, and CVV to check out.
5. **Monitor and close** — Track balances in real time and close cards when done to return unspent funds to your balance.

## Key features

* **Fixed-limit cards** — Each card is backed by your cash balance with a fixed cap, so your agent can never overspend.
* **Per-card limits** — Every card has a fixed spend limit (up to $50 on Free, $500 on Basic, \$1,000 on Pro — see [Plans](/personal/plans)).
* **Live by default** — Cards are real and draw on your cash balance. A card marked TEST comes from a connection that isn't live, usually a company's test-mode integration ([Test cards](/personal/concepts/test-mode)).
* **Shop in natural language** — The [`buy`](/personal/shopping) surface lets your agent order from linked merchants end-to-end.
* **Safe by design** — Card numbers are never shown unless you ask; closing a card is always confirmed.

## Next steps

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/personal/quickstart">
    Sign up, add cash to your balance, and create your first card.
  </Card>

  <Card title="Plans" icon="layer-group" href="/personal/plans">
    Compare Free, Basic, and Pro limits.
  </Card>
</CardGroup>