Expensify Visa® Commercial Card
Unlock up to $100,000+ credit limits, no personal guarantee, and real-time spend management. Earn up to 2% cash back and automate your expense tracking.
The Expensify Visa® Commercial Card brings impressive flexibility to Canadian businesses needing high purchasing power and stress-free expense management. With potential credit limits starting from $20,000 and climbing to $100,000+, this card suits rapidly growing companies and established firms alike. Enjoy a cash back rate of 1% on all purchases, surging to 2% if your business spending exceeds $250,000 per month. There’s no personal guarantee required, which means your personal credit isn’t tied to your business debt—an uncommon benefit among high-limit cards. Real-time expense reporting and seamless integration with Expensify’s platform also simplify management.
How to Apply for the Expensify Visa® Commercial Card
- Visit the Expensify website and select the Commercial Card application.
- Fill out your business profile, including financial details and contact information.
- Submit supporting business documents for verification.
- Receive an approval decision based on business revenue, cash flow, and performance.
- Activate your card upon approval and start spending immediately.
What Makes This Card Stand Out
This card is ideal for businesses managing high monthly spends and looking for streamlined operations. Instant receipt capture, autotracking spend, and cash back rewards directly address common pain points for finance teams.
With no personal guarantee, your business stands on its own merit, helping entrepreneurs keep personal and business finances separate. This is a differentiator compared to traditional bank card offers.
Potential Downsides
It may not be the best fit for very new startups without solid revenue or operating history, as approvals are based on financial performance.
Cash back rewards are solid but lower than some top-tier cards for travel or specific categories if your spending is below $250,000 each month.
Our Verdict
The Expensify Visa® Commercial Card is a top pick for Canadian businesses wanting high limits, strong rewards, and easier expense reconciliation. Its hands-off, automation-forward approach means you spend less time on paperwork and more time growing your company. All in all, it is a smart, efficient solution for rapidly scaling teams and mature enterprises alike.
