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Business Prepaid Cards

Business prepaid cards can help business owners, managers and accountants at SMBs, nonprofits, and organizations gain better control and visibility over employee spending, resulting in money and time savings.

Trial Sign-Up Fee Cards

Penny

$0
Physical & Virtual
Apply Now on Penny Inc.’s secure website.
Physical & Virtual

Card Details

Penny is a reloadable prepaid Debit Corporate MasterCard, integrated with an expense management app (mobile and desktop). Businesses sign up to Penny and order Penny Cards for their employees to use for business related expenses.

Pros

  • Simple, transparent pricing; No fee
  • Physical and Virtual cards
  • Autoload

Cons

  • $5 for additional cards
  • No PIN transactions (no ATM withdrawals)
  • 3 day fund load time

Editorial Review

We have not yet reviewed this product yet.

Spendesk

$0
Physical & Virtual
Apply Now on Spendesk’s secure website.
Physical & Virtual

Card Details

View company spending in real time

  • Track purchases from order to payment
  • Define custom budgets per teammate
  • Set up clear approval flows for purchase requests

Pros

  • Several "roles" including: Account Owner, Administrator, Controller, Requester, Team Manager, Team Approver

Cons

  • If you spend more than your plan allows, you will be charged a "commission %" on excess spend.
  • Additional 14.90€ fee for each additional plastic card
  • 2.99% fee on international purchases

Editorial Review

We have not yet reviewed this product.

Emburse

$0
Physical & Virtual
Apply Now on Emburse’s secure website.
Physical & Virtual

Card Details

Emburse issues corporate cards that enforce expense policies and automate bookkeeping. Emburse now also offers the first open corporate API, allowing developers to integrate Emburse’s card generating features right into their own solutions.

Pros

  • Instant virtual card creation
  • Direct integrations with Quickbooks, Xero, & Netsuite
  • API Developer ability to create cards at scale
  • Repeated transactions are automatically tagged

Cons

  • No ATM & PIN transaction support whatsoever
  • $15/user/month (minimum of 3 users)
  • Highly technical; may not be for basic users

Editorial Review

This product has not yet been reviewed.

Dash Business Prepaid MasterCard®

$0
Physical & Virtual
Apply Now on Karmic Labs’s secure website.
Physical & Virtual

Card Details

Dash manages cash flow and expenses for teams that need to spend money in lots of places at once, without wasting time filing paperwork or passing around a shared card. Employees can request funds, and their managers see the requests immediately. Managers can approve or deny the request live from their phones.

  • Send money to employees and track purchases instantly, from anywhere.
  • Funds are available on a card as soon as they’re approved by a manager, so you can complete your transaction and get back to business.
  • Dash manages cash flow and expenses for teams that need to spend money in lots of places at once, without wasting time filing paperwork or passing around a shared card.
  • Employees can request funds, and their managers see the requests immediately. Managers can approve or deny the request live from their phones.

Pros

  • Great full-featured mobile app
  • Completely free if you meet consistent spending limits

Cons

  • Complex pricing structure may result in surprise fees
  • Non-instant approval
  • Lower account limits for sole proprietors

Editorial Review

We have not yet reviewed this product.

Pex Card

$49 ($0 if you sign up thru this site!)
Physical
Apply Now on Pexcard’s secure website.
Physical

Card Details

  • Employee Management: Issue a card, set it to $0 and fill it up only when the employee needs to buy something.
  • Cash Management: Transactions are posted to cards immediately as they occur so you can reconcile and track business expenses in real time.
  • Balances: Fund a card from $0 to $25,000 as necessary. You can fund the card remotely and money is immediately available so employees can swipe and go.
  • Spend Limits: Put limits on where employees can spend and we’ll watch your back. Set each card up with separate rules, i.e. yes for gas, no for restaurants.
  • Easy to use tools: You can add and take away funds on all cards instantly and anywhere with our mobile app or from your desktop.

Get started:

  • Enjoy no interest charges ever
  • Approve employee purchases and allocate funds — with 24/7 access and control from any computer or mobile device.
  • Free PEX mobile app for on-the-go account management
  • Restrict individual cardholder spending at the merchant category level (e.g. YES for Gas, NO for Restaurants)
  • No transaction fees on U.S. purchases, no load fees, no card issuance fees, no annual maintenance fees.
  • 2-month Free Trial Period (6-month Free Trial and reduced card fees if you sign up thru this site!)

Pros

  • $0 monthly fee if over $50k spend in a month; Maximum monthly fee is $150;
  • No account balance limits; $25k limit on any employee card
  • API available
  • Discounted pricing if you sign up thru this site!

Cons

  • $49 One-time setup fee (Waived $0 if you sign up thru this site!)
  • $7.50 per card per month; Monthly fees capped at $150 ($4/card capped at $80/month if you sign up thru this site!)
  • Need to move money more between card accounts
  • Up to 1.5% of transaction value for international charges
 

Editorial Review

We have not yet reviewed this card.

Bento for Business

$0
Physical
Apply Now on Bento for Business’s secure website.
Physical

Card Details

The Bento Business Prepaid Debit Card is a business credit card alternative that provides real-time control over employee spending to control business expenses. Employee budgets can be set on individual employee expense cards, and utility cards, like gas cards, provide flexibility. Budgets, controls, and cards can all be turned on or off with a simple click.

Bento’s reloadable prepaid debit card combines the security of a bank and MasterCard with the user-friendly interface of a modern technology company. Whether you are looking for an alternative to a corporate card, secured credit card, or reloadable debit card, Bento is the answer.  Bento lets businesses manage their employee spending without compromising security, ease of use, or affordability. Business credit cards simply can’t compete.

Pros

  • No setup fees
  • No load fees
  • Bento is completely free for any plan for the first two months (60 days)

Cons

  • The Bento program sets a maximum spending limit on each card to $25,000/day
  • A bank or credit union transfer usually takes 2–3 business days to complete via ACH

Editorial Review

We have not yet reviewed this product.