How to set up company cards and expense management
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Paying staff back for expenses means lost receipts and month-end chasing. Company cards with built-in limits and receipt capture fix both.
How spend management works
- Issue physical or virtual cards to staff, each with a limit and allowed merchants.
- Staff snap the receipt in an app right after paying.
- A manager approves, and the expense flows to your accounting software with its category.
Check where it works
Card providers are licensed by region: some serve only US companies, others the UK and Europe. Check that the provider accepts companies registered where yours is before you apply.
Compare providers
| Product | Price today | Free plan | Details |
|---|---|---|---|
| Brex | Free plan, then USD 12 per user per month | Yes | Pricing |
| Ramp | Free plan, then USD 15 per user per month + platform fee | Yes | Pricing |
| Airwallex Spend | Free plan, then USD 12 per user per month + platform fee | Yes | Pricing |
| Pleo | From GBP 8 per user per month (≈ USD 10.59) | No | Pricing |
| Payhawk | From GBP 149 per month for 24 months (≈ USD 197.17) | No | Pricing |
Prices from vendor websites, checked 2026-10-12; they update automatically.
See the best free expense card options, Brex vs Ramp and Brex vs Pleo.