To turn on Approval flows go to Settings > Workspace Settings > Preferences:
Once you have activated this option, only team managers and admins will be able to create new virtual cards and approve budget changes.
Therefore, regular users who are set as team members will be able to set up a new app, yet if it involves a payment, the request will go to their team manager and admins so they can approve it.
Let's see it in action:
Approval flow is a feature available to those on the Standard plan and above.