Expensify Card review

The Expensify Card is the Expensify Visa Commercial Card, issued by The Bancorp Bank and managed inside the Expensify app. Expensify describes it as a corporate card that controls spend before it happens, with unlimited virtual cards and cash back on eligible US purchases that lowers the Expensify bill. The surrounding software is what most startups know: SmartScan reads receipts from a photo, an email to receipts@expensify.com or an upload, travel booking covers flights, hotels, cars and rail, and exports go to QuickBooks Online, Xero, NetSuite and Sage Intacct. For companies, plans start at $5 per member per month on Collect, with a 30-day free trial, so unlike Ramp, Brex or Rho you pay for the software. The card earns its place when a startup already runs expense reports in Expensify and wants employees on one card without moving tools. Startups choosing from scratch get more card controls for free elsewhere.

Who it is for

startups that already file expenses in Expensify

Price

Free for individuals; company plans from $5 per member per month (Collect); Control custom.

For companies, plans start at $5 per member
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Expensify Visa Commercial Card with unlimited virtual cards
• Cash back on US purchases that offsets the Expensify bill
• SmartScan receipt capture by photo, email forwarding or upload
• Flight, hotel, car and rail booking that syncs with expenses
• Exports to QuickBooks Online, Xero, NetSuite and Sage Intacct

Strengths and weaknesses

• Strength: Card and receipt capture live in the same app employees already use
• Strength: Card cash back can lower the subscription cost
• Strength: 30-day free trial for companies
• Weakness: Software is paid for companies, unlike Ramp, Brex or Rho
• Weakness: Card controls are lighter than dedicated spend platforms
• Weakness: Higher cash back tiers depend on monthly spend volume

Key facts

• Card: Expensify Visa Commercial Card
• Company plans: From $5 per member per month
• Free trial: 30 days

Where it ranks

Expensify Card is No. 7 in our Best Corporate Cards for Startups verdict.