Why is there a physical card, a virtual card and an app? What’s the difference?

Aura Loyalty is about giving you flexibility when making purchasing and receiving benefits. The physical card allows you to complete transactions online or at a physical merchant location just as you would with a card today. The app allows you to activate merchant discounts, track your spending, create savings goals, freeze your card, as well as providing a virtual card which can be used exclusively for online purchases.