Expensify Visa® Commercial Card: High Limits, No Personal Guarantee, Realtime Expense Control

The Expensify Visa® Commercial Card stands out among business credit cards in Canada, meeting the needs of companies seeking higher credit limits without personal guarantees. With limits tied to your business’s real performance, many businesses qualify for tens of thousands—even up to $100,000—of credit. There are no annual fees, and the interest rate is variable based on your approved credit profile. For regular spenders, 1% cash back applies to all eligible categories, automatically applied each cycle, and you can earn 2% if you hit $250,000 in monthly spend. Real-time transaction syncing makes tracking business expenses effortless.

Come candidarsi: passo dopo passo

1. Visit the Expensify website and start the online application.
2. Provide basic business details including your operating name and company registration info.
3. Connect your business bank account for verification (no personal credit check required).
4. Submit business revenue and supporting documents if prompted.
5. Receive a credit decision typically within 48 hours.

Pros of the Expensify Visa® Commercial Card

One of the strongest advantages is automatic expense tracking, reducing manual admin work by more than 30%. With no annual fee and simple 1% cash back rewards, businesses benefit from both savings and efficiency. Approval is performance-based, making it ideal for Canadian businesses up-and-coming into higher spend without perfect credit backgrounds.

Another significant plus is that there’s no personal guarantee—your personal credit and assets remain separate from your company’s financial activities. This offers real peace of mind as you scale.

Cons of the Expensify Visa® Commercial Card

Limits are based strictly on business cash flow and connected account performance, so new businesses with limited transaction history may not receive the highest possible line. Those used to premium travel perks and extensive points systems might find the straightforward cash back less rewarding than luxury cards.

While seamless integration is a win, it may not be the right fit if your accounting isn’t already cloud-based.

Il nostro verdetto

For Canadian companies seeking a high-limit, low-fuss corporate card with automatic expense management—plus no personal liability—the Expensify Visa® Commercial Card fits perfectly. It gives access to substantial credit limits, real cash savings, and drastically reduces reporting drudgery. Growing businesses will especially appreciate the no-annual-fee offer and absence of a personal guarantee, making this one of the best value cards currently available.