[{"data":1,"prerenderedAt":4437},["ShallowReactive",2],{"en-blog/corporate-cards-benefits":3,"en-global-content":2135,"en-article-global-content":3356,"en-blog-article-more-articles-undefined":3619,"en-blog-article-more-articles-228489550788591":4432},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":2123,"full_slug":2124,"sort_by_date":25,"position":2125,"tag_list":2126,"is_startpage":28,"parent_id":2127,"meta_data":25,"group_id":2128,"first_published_at":2129,"release_id":25,"lang":32,"path":25,"alternates":2130,"default_full_slug":2124,"translated_slugs":2131},"The benefits of corporate cards for your finance team","2026-10-08T15:26:21.721Z","2026-10-08T15:31:59.739Z","2026-10-08T15:31:59.779Z",228489550788591,"ed468c29-f576-4a74-ad1b-12306ba04eb8",{"_uid":11,"roles":12,"title":4,"author":42,"topics":96,"content":97,"noIndex":28,"category":2089,"language":2114,"component":2102,"heroMedia":2115,"sidebarCta":2116,"publishedAt":2117,"redirectUrl":53,"leadwallForm":2118,"listingImage":2119,"leadwallTitle":53,"metaDescription":2120,"bottomArticleCta":2121,"leadwallSubtitle":53,"isLeadwallEnabled":28,"componentsAfterTheArticle":2122,"leadwallVisibleParagraphs":53},"63ffbb08-36ef-4ae6-84c8-fc91a8b4052a",[13],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":23,"full_slug":24,"sort_by_date":25,"position":26,"tag_list":27,"is_startpage":28,"parent_id":29,"meta_data":25,"group_id":30,"first_published_at":31,"release_id":25,"lang":32,"path":25,"alternates":33,"default_full_slug":24,"translated_slugs":34,"_stopResolving":41},"CFO","2022-09-20T14:27:36.164Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:19.605Z",191679062,"a5510262-f27a-456f-aafb-282a0dc1152c",{"_uid":21,"name":14,"component":22},"0a20d718-30d9-4f0d-9b62-6d1d5842bf81","tag","cfo","blog/role/cfo",null,-10,[],false,190903385,"13455da7-6739-4b5f-9d1e-993eccd54cdf","2022-11-02T15:24:18.724Z","default",[],[35,37,39],{"path":24,"name":25,"lang":36,"published":25},"fr",{"path":24,"name":25,"lang":38,"published":25},"de",{"path":24,"name":25,"lang":40,"published":25},"es",true,{"name":43,"created_at":44,"published_at":45,"updated_at":46,"id":47,"uuid":48,"content":49,"slug":84,"full_slug":85,"sort_by_date":25,"position":86,"tag_list":87,"is_startpage":28,"parent_id":88,"meta_data":25,"group_id":89,"first_published_at":90,"release_id":25,"lang":32,"path":25,"alternates":91,"default_full_slug":85,"translated_slugs":92,"_stopResolving":41},"Maxime Reding","2026-03-17T08:39:44.277Z","2026-04-28T15:28:02.354Z","2026-04-28T15:28:02.367Z",155841266825828,"30784b49-7d4f-4209-ab52-8ffb11664c7d",{"_uid":50,"links":51,"picture":66,"lastName":70,"component":71,"firstName":72,"description":73},"88e4340f-e2bc-42fe-a8f0-79dafdd55f97",[52],{"tag":53,"_uid":54,"hide":28,"icon":55,"link":60,"type":53,"label":53,"style":64,"component":65,"mobileLabel":53,"onClickEvent":53,"openInANewTab":41,"horizontalFill":28},"","4ba61fb6-4159-4585-93bd-76c8eacb7945",{"id":56,"alt":53,"name":53,"focus":53,"title":53,"source":53,"filename":57,"copyright":53,"fieldtype":58,"meta_data":59,"is_external_url":28},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",{},{"id":53,"url":61,"linktype":62,"fieldtype":63,"cached_url":61},"https://www.linkedin.com/in/maxime-reding-0777b7172/","url","multilink","primary","cta",{"id":67,"alt":53,"name":53,"focus":53,"title":53,"source":53,"filename":68,"copyright":53,"fieldtype":58,"meta_data":69,"is_external_url":28},155841634553012,"https://a.storyblok.com/f/146026/512x512/cf0a8b2f08/t3hl6t4qp-u02bu4jb4d8-a93da9d1f60a-512.png",{},"Reding","author","Maxime",{"type":74,"content":75},"doc",[76],{"type":77,"attrs":78,"content":80},"paragraph",{"textAlign":25,"key":79},"p-0",[81],{"text":82,"type":83},"Originally from Luxembourg and educated at the Rotterdam School of Management, he brings a sharp analytical mindset and a background in strategic management to our finance team. Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],[93,94,95],{"path":85,"name":25,"lang":36,"published":25},{"path":85,"name":25,"lang":38,"published":25},{"path":85,"name":25,"lang":40,"published":25},[],{"type":74,"attrs":98,"content":99},{"backgroundColor":25},[100,123,129,173,180,186,200,205,211,217,231,253,258,272,277,291,296,302,308,371,377,382,388,547,553,559,585,591,596,601,713,718,723,929,934,939,944,1276,1282,1308,1314,1320,1325,1331,1337,1363,1377,1391,1405,1410,1416,1422,1428,1450,1455,1469,1475,1481,1531,1537,1551,1557,1762,1768,1774,1779,1785,1988,1994,2000,2006,2012,2026,2031,2034,2039,2045,2050,2056,2061,2067,2072,2078,2083],{"type":77,"attrs":101,"content":102},{"textAlign":25,"key":79},[103,105,113,115,121],{"text":104,"type":83},"Finance teams receive spend data late when payments are split between cards and a reimbursement queue with no clear owner. A ",{"text":106,"type":83,"marks":107},"corporate card",[108],{"type":109,"attrs":110},"link",{"href":111,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/what-is-a-corporate-credit-card/","_blank",{"text":114,"type":83}," closes most of that gap: the business issues it on its own credit or cash, so the company account records each payment for the finance team to see at authorisation rather than weeks later on an ",{"text":116,"type":83,"marks":117},"expense claim",[118],{"type":109,"attrs":119},{"href":120,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/platform/expense-reimbursements/",{"text":122,"type":83},". This explainer covers how issuance and liability work, the seven main card types, what you’ll need to qualify, what the cards cost, and where bank issuers and fintech platforms differ.",{"type":77,"attrs":124,"content":126},{"textAlign":25,"key":125},"p-1",[127],{"text":128,"type":83},"Key takeaways:",{"type":130,"content":131},"bullet_list",[132,141,149,157,165],{"type":133,"content":134},"list_item",[135],{"type":77,"attrs":136,"content":138},{"textAlign":25,"key":137},"p-2",[139],{"text":140,"type":83},"A corporate card is underwritten on the business, so the company rather than the employee is the issuer’s counterparty.",{"type":133,"content":142},[143],{"type":77,"attrs":144,"content":146},{"textAlign":25,"key":145},"p-3",[147],{"text":148,"type":83},"The issuer’s programme terms determine who pays and who gets credit-checked. They also determine what happens to the balance when an employee leaves.",{"type":133,"content":150},[151],{"type":77,"attrs":152,"content":154},{"textAlign":25,"key":153},"p-4",[155],{"text":156,"type":83},"Charge, credit, debit, prepaid, virtual, purchasing, and travel cards differ mainly on settlement timing and who carries the risk.",{"type":133,"content":158},[159],{"type":77,"attrs":160,"content":162},{"textAlign":25,"key":161},"p-5",[163],{"text":164,"type":83},"UK and European issuers base eligibility on entity status and banking relationships far more than on cash-balance tests.",{"type":133,"content":166},[167],{"type":77,"attrs":168,"content":170},{"textAlign":25,"key":169},"p-6",[171],{"text":172,"type":83},"Finance teams remove more month-end work by applying controls at authorisation than at reconciliation.",{"type":174,"attrs":175,"content":177},"heading",{"level":176,"textAlign":25},2,[178],{"text":179,"type":83},"What is a corporate card",{"type":77,"attrs":181,"content":183},{"textAlign":25,"key":182},"p-7",[184],{"text":185,"type":83},"A corporate card is a payment card issued to a business against a credit facility or pre-loaded funds. For credit programmes, the issuer may underwrite the business using its financial statements. The employee’s name is on the plastic, but the contract and statement sit with the company. Under most UK bank programmes, so does the liability. Expense claims work the other way round: the employee lends the money until finance approves the claim and pays it back.",{"type":77,"attrs":187,"content":189},{"textAlign":25,"key":188},"p-8",[190,192,198],{"text":191,"type":83},"That informal loan is larger than most teams assume. ",{"text":193,"type":83,"marks":194},"Conferma’s June 2025 survey",[195],{"type":109,"attrs":196},{"href":197,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.conferma.com/wp-content/uploads/2026/01/7650-invisible-bank-2025-12.pdf",{"text":199,"type":83}," of 1,000 UK employees put the average amount fronted at £238 a month, with an average wait of 2.5 weeks for repayment. If half the staff at a 200-person company claim at that rate, a straightforward calculation puts the amount employees front at roughly £24,000 each month, alongside a queue of claims finance checks line by line. Expense claims still make sense for mileage and per diems. They also cover the occasional out-of-pocket purchase. As the default for recurring spend, they tie up cash and delay the data.",{"type":174,"attrs":201,"content":202},{"level":176,"textAlign":25},[203],{"text":204,"type":83},"How corporate cards work, from application to settlement",{"type":77,"attrs":206,"content":208},{"textAlign":25,"key":207},"p-9",[209],{"text":210,"type":83},"A corporate card transaction moves from entity underwriting and card issuance to employee payment, receipt matching, and consolidated settlement. Finance teams retain control by setting limits before use, capturing documentation as employees spend, and posting one prepared statement to the ledger.",{"type":174,"attrs":212,"content":214},{"level":213,"textAlign":25},3,[215],{"text":216,"type":83},"Issuance and spend limits",{"type":77,"attrs":218,"content":220},{"textAlign":25,"key":219},"p-10",[221,223,229],{"text":222,"type":83},"Programme administrators set card-level spending and merchant controls before any card goes out. The issuer has already underwritten the legal entity, on its financial statements for a credit or charge programme or on the funds it loads for a prepaid one. The administrator then creates each card with ",{"text":224,"type":83,"marks":225},"transaction limits",[226],{"type":109,"attrs":227},{"href":228,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/credit-card-limit/",{"text":230,"type":83}," and the merchant category groups where it can be used. Those transaction limits can cover a single purchase or a monthly total. UK bank portals such as Barclaycard’s programme-administrator tool and NatWest’s ClearSpend expose exactly those settings.",{"type":77,"attrs":232,"content":234},{"textAlign":25,"key":233},"p-11",[235,237,243,245,251],{"text":236,"type":83},"Limits are organisation-specific rather than standard. The ",{"text":238,"type":83,"marks":239},"University policy",[240],{"type":109,"attrs":241},{"href":242,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.abdn.ac.uk/media/site/staffnet/documents/policy-zone-finance/Corporate-Card-Policy-January-2026.pdf",{"text":244,"type":83}," published by the University of Aberdeen in January 2026 sets a normal limit of £1,000 and rarely goes above £5,000. Heriot-Watt’s ",{"text":246,"type":83,"marks":247},"traveller-card policy",[248],{"type":109,"attrs":249},{"href":250,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.hw.ac.uk/document-library/policy/UniversityTravellerCorporateCard-PolicyPr-202502281.pdf",{"text":252,"type":83}," caps single transactions at £500 and monthly spend at £1,000. Whatever the figure, setting it before issue means the issuer can decline the first out-of-policy attempt at the till, depending on the rule, rather than finance discovering it at month-end.",{"type":174,"attrs":254,"content":255},{"level":213,"textAlign":25},[256],{"text":257,"type":83},"Employee spend and receipt capture",{"type":77,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-12",[262,264,270],{"text":263,"type":83},"The employee pays the merchant directly, and the issuer checks the authorisation against the card’s limits in real time. The employee fronts no cash and raises no claim. The transaction usually appears in the card platform shortly after authorisation, with the merchant and amount attached. The platform also records its category. The receipt is the one piece that still depends on the employee, which is why capture at the point of spend matters. ",{"text":265,"type":83,"marks":266},"Capture Expense’s analysis",[267],{"type":109,"attrs":268},{"href":269,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://captureexpense.com/resources/expense-trends-2025-report/",{"text":271,"type":83}," of 371,381 claims from 460 organisations between January 2024 and June 2025 found only 2.6% approved immediately, about 27% approved after 30 days or more, and 78% of rejections caused by vague or incomplete information. A photo taken at the till and matched to the transaction the card already recorded removes most of the reasons a claim gets bounced back.",{"type":174,"attrs":273,"content":274},{"level":213,"textAlign":25},[275],{"text":276,"type":83},"Consolidated billing and reconciliation",{"type":77,"attrs":278,"content":280},{"textAlign":25,"key":279},"p-13",[281,283,289],{"text":282,"type":83},"Finance receives one statement for every card on the programme, settles it once, and syncs the transactions into the accounting system. Charge cards and purchasing cards are paid in full each cycle, while revolving credit cards allow a minimum payment with interest. Transaction data arrives at different depths: Mastercard’s 2026 starter guide describes Level 2 data as adding tax and customer reference numbers, and Level 3 as adding line items such as product codes and quantities. The richer the feed, the less a bookkeeper types when posting to the general ledger. ",{"text":284,"type":83,"marks":285},"Bookkeeping automation",[286],{"type":109,"attrs":287},{"href":288,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/platform/accounting-automation/",{"text":290,"type":83}," applies coding rules on top of the synced transactions, so finance reviews prepared entries instead of building each one.",{"type":174,"attrs":292,"content":293},{"level":176,"textAlign":25},[294],{"text":295,"type":83},"Five benefits of corporate cards for businesses",{"type":77,"attrs":297,"content":299},{"textAlign":25,"key":298},"p-14",[300],{"text":301,"type":83},"A corporate card moves company spend onto the company’s own account, so finance controls and sees it as it happens rather than reconstructing it afterwards.",{"type":77,"attrs":303,"content":305},{"textAlign":25,"key":304},"p-15",[306],{"text":307,"type":83},"That shift matters because most of a finance team’s avoidable effort sits in the gap between a purchase and its record. These five benefits show where that gap narrows:",{"type":130,"content":309},[310,323,335,347,359],{"type":133,"content":311},[312],{"type":77,"attrs":313,"content":315},{"textAlign":25,"key":314},"p-16",[316,321],{"text":317,"type":83,"marks":318},"Employees stop funding company spend:",[319],{"type":320},"bold",{"text":322,"type":83}," No cash is fronted and no claim is raised, so reimbursement can be limited to mileage, per diems, and genuine exceptions.",{"type":133,"content":324},[325],{"type":77,"attrs":326,"content":328},{"textAlign":25,"key":327},"p-17",[329,333],{"text":330,"type":83,"marks":331},"Spend data arrives at authorisation:",[332],{"type":320},{"text":334,"type":83}," Merchant, amount, and category reach finance when the card is used, so budget owners and month-end accruals reflect spend already committed rather than claims still in the queue.",{"type":133,"content":336},[337],{"type":77,"attrs":338,"content":340},{"textAlign":25,"key":339},"p-18",[341,345],{"text":342,"type":83,"marks":343},"Policy applies before money moves:",[344],{"type":320},{"text":346,"type":83}," Limits and merchant category restrictions set on each card can decline an out-of-policy attempt. Depending on the provider and the rule, some checks flag a transaction afterwards instead.",{"type":133,"content":348},[349],{"type":77,"attrs":350,"content":352},{"textAlign":25,"key":351},"p-19",[353,357],{"text":354,"type":83,"marks":355},"Less to chase and less to key:",[356],{"type":320},{"text":358,"type":83}," One consolidated statement replaces many individual claims. A receipt matched to a transaction the card has already recorded leaves finance reviewing prepared entries instead of typing them.",{"type":133,"content":360},[361],{"type":77,"attrs":362,"content":364},{"textAlign":25,"key":363},"p-20",[365,369],{"text":366,"type":83,"marks":367},"Cash flow, rebates, and limited exposure:",[368],{"type":320},{"text":370,"type":83}," A monthly settlement cycle gives the business a short credit period on card purchases, and some programmes return a negotiated rebate. A single-use or per-supplier virtual card limits exposure if a merchant is breached.",{"type":77,"attrs":372,"content":374},{"textAlign":25,"key":373},"p-21",[375],{"text":376,"type":83},"How much of this a business actually gets depends on programme design, especially the liability model and whether controls act at authorisation or afterwards, which is why liability comes next.",{"type":174,"attrs":378,"content":379},{"level":176,"textAlign":25},[380],{"text":381,"type":83},"Who pays: corporate, individual, and joint liability",{"type":77,"attrs":383,"content":385},{"textAlign":25,"key":384},"p-22",[386],{"text":387,"type":83},"The liability model determines whom the issuer can pursue for the balance and whose credit file it checks. It also determines which party remains responsible when an employee leaves. Three models cover nearly every programme on the market:",{"type":389,"content":390},"table",[391,432,471,509],{"type":392,"content":393},"tableRow",[394,405,414,423],{"type":395,"attrs":396,"content":398},"tableHeader",{"colspan":397,"rowspan":397,"colwidth":25},1,[399],{"type":77,"attrs":400,"content":402},{"textAlign":25,"key":401},"p-23",[403],{"text":404,"type":83},"Model",{"type":395,"attrs":406,"content":407},{"colspan":397,"rowspan":397,"colwidth":25},[408],{"type":77,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-24",[412],{"text":413,"type":83},"Who’s liable to the issuer",{"type":395,"attrs":415,"content":416},{"colspan":397,"rowspan":397,"colwidth":25},[417],{"type":77,"attrs":418,"content":420},{"textAlign":25,"key":419},"p-25",[421],{"text":422,"type":83},"Who receives and pays the statement",{"type":395,"attrs":424,"content":425},{"colspan":397,"rowspan":397,"colwidth":25},[426],{"type":77,"attrs":427,"content":429},{"textAlign":25,"key":428},"p-26",[430],{"text":431,"type":83},"Credit-check implication",{"type":392,"content":433},[434,444,453,462],{"type":435,"attrs":436,"content":437},"tableCell",{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[438],{"type":77,"attrs":439,"content":441},{"textAlign":25,"key":440},"p-27",[442],{"text":443,"type":83},"Company (full corporate) liability",{"type":435,"attrs":445,"content":446},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[447],{"type":77,"attrs":448,"content":450},{"textAlign":25,"key":449},"p-28",[451],{"text":452,"type":83},"The company alone",{"type":435,"attrs":454,"content":455},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[456],{"type":77,"attrs":457,"content":459},{"textAlign":25,"key":458},"p-29",[460],{"text":461,"type":83},"The company, centrally",{"type":435,"attrs":463,"content":464},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[465],{"type":77,"attrs":466,"content":468},{"textAlign":25,"key":467},"p-30",[469],{"text":470,"type":83},"Checks run on the business; employees typically aren’t checked",{"type":392,"content":472},[473,482,491,500],{"type":435,"attrs":474,"content":475},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[476],{"type":77,"attrs":477,"content":479},{"textAlign":25,"key":478},"p-31",[480],{"text":481,"type":83},"Individual liability",{"type":435,"attrs":483,"content":484},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[485],{"type":77,"attrs":486,"content":488},{"textAlign":25,"key":487},"p-32",[489],{"text":490,"type":83},"The cardholder, even where the employer reimburses",{"type":435,"attrs":492,"content":493},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[494],{"type":77,"attrs":495,"content":497},{"textAlign":25,"key":496},"p-33",[498],{"text":499,"type":83},"The cardholder, who claims the cost back",{"type":435,"attrs":501,"content":502},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[503],{"type":77,"attrs":504,"content":506},{"textAlign":25,"key":505},"p-34",[507],{"text":508,"type":83},"Personal credit checks on each cardholder",{"type":392,"content":510},[511,520,529,538],{"type":435,"attrs":512,"content":513},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[514],{"type":77,"attrs":515,"content":517},{"textAlign":25,"key":516},"p-35",[518],{"text":519,"type":83},"Joint (combined) liability",{"type":435,"attrs":521,"content":522},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[523],{"type":77,"attrs":524,"content":526},{"textAlign":25,"key":525},"p-36",[527],{"text":528,"type":83},"Cardholder and company together",{"type":435,"attrs":530,"content":531},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[532],{"type":77,"attrs":533,"content":535},{"textAlign":25,"key":534},"p-37",[536],{"text":537,"type":83},"Depends on the billing option the company chooses",{"type":435,"attrs":539,"content":540},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[541],{"type":77,"attrs":542,"content":544},{"textAlign":25,"key":543},"p-38",[545],{"text":546,"type":83},"Business and personal checks, often including directors",{"type":77,"attrs":548,"content":550},{"textAlign":25,"key":549},"p-39",[551],{"text":552,"type":83},"Published UK programme terms from Barclaycard, HSBC, NatWest, Lloyds, and Santander place liability on the business, with cardholders owing the bank nothing under those arrangements. American Express also offers a Combined Liability option in the UK that makes the employee jointly liable. Continental programmes vary more: some German and French bank cards treat the company as co-debtor alongside the cardholder, so check the programme document rather than assuming the UK pattern travels.",{"type":77,"attrs":554,"content":556},{"textAlign":25,"key":555},"p-40",[557],{"text":558,"type":83},"Two situations deserve an explicit process:",{"type":130,"content":560},[561,573],{"type":133,"content":562},[563],{"type":77,"attrs":564,"content":566},{"textAlign":25,"key":565},"p-41",[567,571],{"text":568,"type":83,"marks":569},"When an employee leaves:",[570],{"type":320},{"text":572,"type":83}," The liable party stays liable for charges made before the account is closed, and some issuers treat every transaction as authorised until the business tells them to stop the card. The practical sequence is to notify the issuer on the person’s final day and block the card, then reconcile the final statement against receipts. HSBC’s UK Commercial Card, for example, offers protection against employee misuse where the business holds two or more employee cards. Cover of that kind is product-specific, so read the terms.",{"type":133,"content":574},[575],{"type":77,"attrs":576,"content":578},{"textAlign":25,"key":577},"p-42",[579,583],{"text":580,"type":83,"marks":581},"When an employee makes a personal purchase:",[582],{"type":320},{"text":584,"type":83}," Under combined liability, the company generally isn’t liable for charges that didn’t benefit it or that it has already reimbursed. In American Express’s European terms, however, the company has to prove that, which is why those programmes require monthly expense submissions. Under company liability, the business pays the issuer and recovers the money from the employee. UK employment rules mean a deduction from final pay usually needs a contract clause or prior written consent, so check the contract and take advice before relying on that route.",{"type":77,"attrs":586,"content":588},{"textAlign":25,"key":587},"p-43",[589],{"text":590,"type":83},"Guarantees and credit checks follow the product, not the card network. Company-liability corporate programmes generally assess the business and don’t routinely require a director’s personal guarantee. Small-business credit cards can work differently: Santander’s Business Cashback terms require every director of a limited company to sign a personal guarantee, while American Express UK applications for Business Gold and Platinum from 28 January 2026 use company liability backed by a business personal guarantee. Director guarantees for limited-company borrowing generally sit outside the consumer credit protections overseen by the FCA, so the specific guarantee terms deserve a careful read before signing.",{"type":174,"attrs":592,"content":593},{"level":176,"textAlign":25},[594],{"text":595,"type":83},"Seven types of corporate cards",{"type":77,"attrs":597,"content":598},{"textAlign":25,"key":79},[599],{"text":600,"type":83},"The seven types differ on two axes: when the balance is settled and who carries the liability. Most programmes mix several of them, so the labels matter more for the terms you’ll sign than for the plastic in the wallet:",{"type":130,"content":602},[603,614,625,636,654,671,696],{"type":133,"content":604},[605],{"type":77,"attrs":606,"content":607},{"textAlign":25,"key":125},[608,612],{"text":609,"type":83,"marks":610},"Charge card:",[611],{"type":320},{"text":613,"type":83}," The full balance is due each cycle, with no interest on the balance and a late fee if you miss it. Use case: central travel programmes where finance wants one monthly settlement and no revolving debt.",{"type":133,"content":615},[616],{"type":77,"attrs":617,"content":618},{"textAlign":25,"key":137},[619,623],{"text":620,"type":83,"marks":621},"Credit card:",[622],{"type":320},{"text":624,"type":83}," A revolving line with a minimum payment and interest on whatever is carried. Use case: smaller businesses that want a buffer and will accept that some UK bank cards in this category require a director guarantee.",{"type":133,"content":626},[627],{"type":77,"attrs":628,"content":629},{"textAlign":25,"key":145},[630,634],{"text":631,"type":83,"marks":632},"Debit card:",[633],{"type":320},{"text":635,"type":83}," Draws straight from the business current account at authorisation. Use case: teams that want spend capped by cash in the account rather than by a credit line.",{"type":133,"content":637},[638],{"type":77,"attrs":639,"content":640},{"textAlign":25,"key":153},[641,648,652],{"text":642,"type":83,"marks":643},"Prepaid card",[644,647],{"type":109,"attrs":645},{"href":646,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/what-is-a-prepaid-card/",{"type":320},{"text":649,"type":83,"marks":650},":",[651],{"type":320},{"text":653,"type":83}," Funds are loaded before the card can be used, so there’s no credit underwriting and no balance to settle later. Use case: departmental or project budgets where the load amount is the control.",{"type":133,"content":655},[656],{"type":77,"attrs":657,"content":658},{"textAlign":25,"key":161},[659,666,669],{"text":660,"type":83,"marks":661},"Virtual card",[662,665],{"type":109,"attrs":663},{"href":664,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/virtual-credit-card/",{"type":320},{"text":649,"type":83,"marks":667},[668],{"type":320},{"text":670,"type":83}," A card number without plastic, issued as single-use, multi-use, or subscription. Use case: SaaS renewals and one-off supplier payments, where a per-supplier number limits exposure if a merchant is breached.",{"type":133,"content":672},[673],{"type":77,"attrs":674,"content":675},{"textAlign":25,"key":169},[676,683,686,688,694],{"text":677,"type":83,"marks":678},"Purchasing card (p-card)",[679,682],{"type":109,"attrs":680},{"href":681,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/p-cards-corporate-purchasing-cards/",{"type":320},{"text":649,"type":83,"marks":684},[685],{"type":320},{"text":687,"type":83}," A central-liability, central-pay card for indirect spend such as office supplies, maintenance, and subscriptions. The ",{"text":689,"type":83,"marks":690},"Association of Corporate Treasurers",[691],{"type":109,"attrs":692},{"href":693,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.treasurers.org/hub/treasurer-magazine/power-p-cards",{"text":695,"type":83}," notes that the central monthly invoice is typically paid up to 56 days after the statement. Use case: low-value purchases that would otherwise each generate a purchase order and an invoice.",{"type":133,"content":697},[698],{"type":77,"attrs":699,"content":700},{"textAlign":25,"key":182},[701,708,711],{"text":702,"type":83,"marks":703},"Travel and entertainment (T&E) card",[704,707],{"type":109,"attrs":705},{"href":706,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/corporate-travel-management/",{"type":320},{"text":649,"type":83,"marks":709},[710],{"type":320},{"text":712,"type":83}," Issued to travelling employees for travel and client hospitality, including flights and hotels, commonly on individual liability. Use case: frequent travellers whose spend finance wants to see and code by trip.",{"type":174,"attrs":714,"content":715},{"level":176,"textAlign":25},[716],{"text":717,"type":83},"Corporate cards vs. business credit cards vs. reimbursement",{"type":77,"attrs":719,"content":720},{"textAlign":25,"key":188},[721],{"text":722,"type":83},"The three options differ on who carries the risk and whom the issuer underwrites, and that is what should drive the choice:",{"type":389,"content":724},[725,759,793,827,861,895],{"type":392,"content":726},[727,735,743,751],{"type":395,"attrs":728,"content":729},{"colspan":397,"rowspan":397,"colwidth":25},[730],{"type":77,"attrs":731,"content":732},{"textAlign":25,"key":207},[733],{"text":734,"type":83},"Dimension",{"type":395,"attrs":736,"content":737},{"colspan":397,"rowspan":397,"colwidth":25},[738],{"type":77,"attrs":739,"content":740},{"textAlign":25,"key":219},[741],{"text":742,"type":83},"Corporate card",{"type":395,"attrs":744,"content":745},{"colspan":397,"rowspan":397,"colwidth":25},[746],{"type":77,"attrs":747,"content":748},{"textAlign":25,"key":233},[749],{"text":750,"type":83},"Business credit card",{"type":395,"attrs":752,"content":753},{"colspan":397,"rowspan":397,"colwidth":25},[754],{"type":77,"attrs":755,"content":756},{"textAlign":25,"key":260},[757],{"text":758,"type":83},"Personal card plus reimbursement",{"type":392,"content":760},[761,769,777,785],{"type":435,"attrs":762,"content":763},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[764],{"type":77,"attrs":765,"content":766},{"textAlign":25,"key":279},[767],{"text":768,"type":83},"Liability",{"type":435,"attrs":770,"content":771},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[772],{"type":77,"attrs":773,"content":774},{"textAlign":25,"key":298},[775],{"text":776,"type":83},"The company under company liability; shared under combined or individual options",{"type":435,"attrs":778,"content":779},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[780],{"type":77,"attrs":781,"content":782},{"textAlign":25,"key":304},[783],{"text":784,"type":83},"Usually the business as account holder; some banks add a director guarantee or joint liability",{"type":435,"attrs":786,"content":787},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[788],{"type":77,"attrs":789,"content":790},{"textAlign":25,"key":314},[791],{"text":792,"type":83},"The employee, until the claim is paid",{"type":392,"content":794},[795,803,811,819],{"type":435,"attrs":796,"content":797},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[798],{"type":77,"attrs":799,"content":800},{"textAlign":25,"key":327},[801],{"text":802,"type":83},"Underwriting entity",{"type":435,"attrs":804,"content":805},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[806],{"type":77,"attrs":807,"content":808},{"textAlign":25,"key":339},[809],{"text":810,"type":83},"The company’s accounts, turnover, or loaded funds",{"type":435,"attrs":812,"content":813},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[814],{"type":77,"attrs":815,"content":816},{"textAlign":25,"key":351},[817],{"text":818,"type":83},"The business’s turnover plus the director’s credit file",{"type":435,"attrs":820,"content":821},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[822],{"type":77,"attrs":823,"content":824},{"textAlign":25,"key":363},[825],{"text":826,"type":83},"The employee’s personal credit limit",{"type":392,"content":828},[829,837,845,853],{"type":435,"attrs":830,"content":831},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[832],{"type":77,"attrs":833,"content":834},{"textAlign":25,"key":373},[835],{"text":836,"type":83},"Personal guarantee",{"type":435,"attrs":838,"content":839},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[840],{"type":77,"attrs":841,"content":842},{"textAlign":25,"key":384},[843],{"text":844,"type":83},"Typically none on company-liability programmes",{"type":435,"attrs":846,"content":847},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[848],{"type":77,"attrs":849,"content":850},{"textAlign":25,"key":401},[851],{"text":852,"type":83},"Required by some UK banks, in some cases from every director",{"type":435,"attrs":854,"content":855},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[856],{"type":77,"attrs":857,"content":858},{"textAlign":25,"key":410},[859],{"text":860,"type":83},"None, but the employee carries the balance personally",{"type":392,"content":862},[863,871,879,887],{"type":435,"attrs":864,"content":865},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[866],{"type":77,"attrs":867,"content":868},{"textAlign":25,"key":419},[869],{"text":870,"type":83},"Company size",{"type":435,"attrs":872,"content":873},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[874],{"type":77,"attrs":875,"content":876},{"textAlign":25,"key":428},[877],{"text":878,"type":83},"Published UK bank corporate floors start in the low millions of turnover; fintech platforms serve smaller companies",{"type":435,"attrs":880,"content":881},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[882],{"type":77,"attrs":883,"content":884},{"textAlign":25,"key":440},[885],{"text":886,"type":83},"UK bank bands run from £10,000 up to several million in turnover",{"type":435,"attrs":888,"content":889},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[890],{"type":77,"attrs":891,"content":892},{"textAlign":25,"key":449},[893],{"text":894,"type":83},"Any size, with admin cost rising with headcount",{"type":392,"content":896},[897,905,913,921],{"type":435,"attrs":898,"content":899},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[900],{"type":77,"attrs":901,"content":902},{"textAlign":25,"key":458},[903],{"text":904,"type":83},"Settlement",{"type":435,"attrs":906,"content":907},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[908],{"type":77,"attrs":909,"content":910},{"textAlign":25,"key":467},[911],{"text":912,"type":83},"One consolidated statement, often paid in full",{"type":435,"attrs":914,"content":915},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[916],{"type":77,"attrs":917,"content":918},{"textAlign":25,"key":478},[919],{"text":920,"type":83},"Revolving balance with a minimum payment",{"type":435,"attrs":922,"content":923},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[924],{"type":77,"attrs":925,"content":926},{"textAlign":25,"key":487},[927],{"text":928,"type":83},"Claim by claim, after approval",{"type":77,"attrs":930,"content":931},{"textAlign":25,"key":496},[932],{"text":933,"type":83},"Read as a buying decision, the table splits on two questions. If turnover sits below the bank corporate floors in the next section and you’d rather not sign a director guarantee, a prepaid or debit-based fintech corporate card gives you company liability without a credit application. If turnover clears those floors and you want a credit facility with a negotiated rebate, a bank corporate programme is the natural fit. The trade-off is a longer application and quote-based pricing. Reimbursement stays in the mix either way, scoped to mileage and per diems, with exceptions handled separately rather than as everyday purchasing.",{"type":174,"attrs":935,"content":936},{"level":176,"textAlign":25},[937],{"text":938,"type":83},"Eligibility: revenue, cash balance, credit checks, and guarantees",{"type":77,"attrs":940,"content":941},{"textAlign":25,"key":505},[942],{"text":943,"type":83},"Eligibility in the UK and Europe is set by what kind of entity you are and who you bank with, far more than by a cash-balance test. The numeric floors that exist are turnover bands, and most issuers publish none at all. The table sets out what each issuer type publishes:",{"type":389,"content":945},[946,996,1055,1110,1165,1221],{"type":392,"content":947},[948,956,964,972,980,988],{"type":395,"attrs":949,"content":950},{"colspan":397,"rowspan":397,"colwidth":25},[951],{"type":77,"attrs":952,"content":953},{"textAlign":25,"key":516},[954],{"text":955,"type":83},"Issuer type",{"type":395,"attrs":957,"content":958},{"colspan":397,"rowspan":397,"colwidth":25},[959],{"type":77,"attrs":960,"content":961},{"textAlign":25,"key":525},[962],{"text":963,"type":83},"Minimum annual revenue",{"type":395,"attrs":965,"content":966},{"colspan":397,"rowspan":397,"colwidth":25},[967],{"type":77,"attrs":968,"content":969},{"textAlign":25,"key":534},[970],{"text":971,"type":83},"Minimum cash balance",{"type":395,"attrs":973,"content":974},{"colspan":397,"rowspan":397,"colwidth":25},[975],{"type":77,"attrs":976,"content":977},{"textAlign":25,"key":543},[978],{"text":979,"type":83},"Entity type",{"type":395,"attrs":981,"content":982},{"colspan":397,"rowspan":397,"colwidth":25},[983],{"type":77,"attrs":984,"content":985},{"textAlign":25,"key":549},[986],{"text":987,"type":83},"Registration identifier (UK equivalent of an EIN)",{"type":395,"attrs":989,"content":990},{"colspan":397,"rowspan":397,"colwidth":25},[991],{"type":77,"attrs":992,"content":993},{"textAlign":25,"key":555},[994],{"text":995,"type":83},"Personal credit pull",{"type":392,"content":997},[998,1012,1020,1028,1037,1046],{"type":435,"attrs":999,"content":1000},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1001],{"type":77,"attrs":1002,"content":1003},{"textAlign":25,"key":565},[1004,1006],{"text":1005,"type":83},"UK bank ",{"text":1007,"type":83,"marks":1008},"business credit card",[1009],{"type":109,"attrs":1010},{"href":1011,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/company-credit-card/",{"type":435,"attrs":1013,"content":1014},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1015],{"type":77,"attrs":1016,"content":1017},{"textAlign":25,"key":577},[1018],{"text":1019,"type":83},"Published turnover bands, such as £10,000 to £6.5m (Barclaycard Select) or £2m or less (NatWest Business Credit Card)",{"type":435,"attrs":1021,"content":1022},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1023],{"type":77,"attrs":1024,"content":1025},{"textAlign":25,"key":587},[1026],{"text":1027,"type":83},"None published",{"type":435,"attrs":1029,"content":1030},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1031],{"type":77,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-44",[1035],{"text":1036,"type":83},"Sole traders, partnerships, limited companies, LLPs",{"type":435,"attrs":1038,"content":1039},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1040],{"type":77,"attrs":1041,"content":1043},{"textAlign":25,"key":1042},"p-45",[1044],{"text":1045,"type":83},"Company registration number for limited companies; UK business bank account in the entity’s name",{"type":435,"attrs":1047,"content":1048},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1049],{"type":77,"attrs":1050,"content":1052},{"textAlign":25,"key":1051},"p-46",[1053],{"text":1054,"type":83},"Usually yes: a soft or full search on the applying director, and at some banks a guarantee from every director",{"type":392,"content":1056},[1057,1066,1075,1083,1092,1101],{"type":435,"attrs":1058,"content":1059},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1060],{"type":77,"attrs":1061,"content":1063},{"textAlign":25,"key":1062},"p-47",[1064],{"text":1065,"type":83},"UK bank corporate card",{"type":435,"attrs":1067,"content":1068},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1069],{"type":77,"attrs":1070,"content":1072},{"textAlign":25,"key":1071},"p-48",[1073],{"text":1074,"type":83},"Published floors above £2m (HSBC Corporate Cards, NatWest onecard) or £6.5m to £50m (Barclaycard Corporate Rewards)",{"type":435,"attrs":1076,"content":1077},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1078],{"type":77,"attrs":1079,"content":1081},{"textAlign":25,"key":1080},"p-49",[1082],{"text":1027,"type":83},{"type":435,"attrs":1084,"content":1085},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1086],{"type":77,"attrs":1087,"content":1089},{"textAlign":25,"key":1088},"p-50",[1090],{"text":1091,"type":83},"Registered companies and similar bodies, often existing customers",{"type":435,"attrs":1093,"content":1094},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1095],{"type":77,"attrs":1096,"content":1098},{"textAlign":25,"key":1097},"p-51",[1099],{"text":1100,"type":83},"Registered entity plus an existing business current account",{"type":435,"attrs":1102,"content":1103},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1104],{"type":77,"attrs":1105,"content":1107},{"textAlign":25,"key":1106},"p-52",[1108],{"text":1109,"type":83},"Business credit checks; banks may also check connected persons such as directors and guarantors",{"type":392,"content":1111},[1112,1121,1130,1138,1147,1156],{"type":435,"attrs":1113,"content":1114},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1115],{"type":77,"attrs":1116,"content":1118},{"textAlign":25,"key":1117},"p-53",[1119],{"text":1120,"type":83},"Three-party corporate programme (American Express)",{"type":435,"attrs":1122,"content":1123},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1124],{"type":77,"attrs":1125,"content":1127},{"textAlign":25,"key":1126},"p-54",[1128],{"text":1129,"type":83},"None published in the UK, described as for large, established businesses; €15m turnover and two years on the Chamber of Commerce register in the Netherlands",{"type":435,"attrs":1131,"content":1132},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1133],{"type":77,"attrs":1134,"content":1136},{"textAlign":25,"key":1135},"p-55",[1137],{"text":1027,"type":83},{"type":435,"attrs":1139,"content":1140},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1141],{"type":77,"attrs":1142,"content":1144},{"textAlign":25,"key":1143},"p-56",[1145],{"text":1146,"type":83},"Limited companies and larger organisations",{"type":435,"attrs":1148,"content":1149},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1150],{"type":77,"attrs":1151,"content":1153},{"textAlign":25,"key":1152},"p-57",[1154],{"text":1155,"type":83},"Company registration; annual financial statements may be requested",{"type":435,"attrs":1157,"content":1158},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1159],{"type":77,"attrs":1160,"content":1162},{"textAlign":25,"key":1161},"p-58",[1163],{"text":1164,"type":83},"No under company liability; yes on combined or individual liability cards",{"type":392,"content":1166},[1167,1176,1185,1194,1203,1212],{"type":435,"attrs":1168,"content":1169},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1170],{"type":77,"attrs":1171,"content":1173},{"textAlign":25,"key":1172},"p-59",[1174],{"text":1175,"type":83},"Fintech prepaid or debit platform",{"type":435,"attrs":1177,"content":1178},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1179],{"type":77,"attrs":1180,"content":1182},{"textAlign":25,"key":1181},"p-60",[1183],{"text":1184,"type":83},"None",{"type":435,"attrs":1186,"content":1187},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1188],{"type":77,"attrs":1189,"content":1191},{"textAlign":25,"key":1190},"p-61",[1192],{"text":1193,"type":83},"Funds loaded before spending",{"type":435,"attrs":1195,"content":1196},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1197],{"type":77,"attrs":1198,"content":1200},{"textAlign":25,"key":1199},"p-62",[1201],{"text":1202,"type":83},"Registered organisations with a director as legal representative",{"type":435,"attrs":1204,"content":1205},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1206],{"type":77,"attrs":1207,"content":1209},{"textAlign":25,"key":1208},"p-63",[1210],{"text":1211,"type":83},"Registration number, tax ID, registered address",{"type":435,"attrs":1213,"content":1214},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1215],{"type":77,"attrs":1216,"content":1218},{"textAlign":25,"key":1217},"p-64",[1219],{"text":1220,"type":83},"Identity checks rather than credit checks is the usual pattern; confirm with the provider",{"type":392,"content":1222},[1223,1232,1241,1249,1258,1267],{"type":435,"attrs":1224,"content":1225},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1226],{"type":77,"attrs":1227,"content":1229},{"textAlign":25,"key":1228},"p-65",[1230],{"text":1231,"type":83},"Fintech credit line",{"type":435,"attrs":1233,"content":1234},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1235],{"type":77,"attrs":1236,"content":1238},{"textAlign":25,"key":1237},"p-66",[1239],{"text":1240,"type":83},"A turnover floor, published by at least one UK/EEA provider at GBP/EUR 250,000 with first-year accounts filed",{"type":435,"attrs":1242,"content":1243},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1244],{"type":77,"attrs":1245,"content":1247},{"textAlign":25,"key":1246},"p-67",[1248],{"text":1027,"type":83},{"type":435,"attrs":1250,"content":1251},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1252],{"type":77,"attrs":1253,"content":1255},{"textAlign":25,"key":1254},"p-68",[1256],{"text":1257,"type":83},"UK or EEA limited companies",{"type":435,"attrs":1259,"content":1260},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1261],{"type":77,"attrs":1262,"content":1264},{"textAlign":25,"key":1263},"p-69",[1265],{"text":1266,"type":83},"Extract from the official company registry",{"type":435,"attrs":1268,"content":1269},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1270],{"type":77,"attrs":1271,"content":1273},{"textAlign":25,"key":1272},"p-70",[1274],{"text":1275,"type":83},"A credit check on the business entity; providers state no personal guarantee",{"type":77,"attrs":1277,"content":1279},{"textAlign":25,"key":1278},"p-71",[1280],{"text":1281,"type":83},"The EIN column addresses the requirements that often appear on US issuer checklists. The practical differences are:",{"type":130,"content":1283},[1284,1292,1300],{"type":133,"content":1285},[1286],{"type":77,"attrs":1287,"content":1289},{"textAlign":25,"key":1288},"p-72",[1290],{"text":1291,"type":83},"Some US fintech issuers require an Employer Identification Number (EIN) and exclude sole proprietors, while several bank issuers accept a Social Security number instead.",{"type":133,"content":1293},[1294],{"type":77,"attrs":1295,"content":1297},{"textAlign":25,"key":1296},"p-73",[1298],{"text":1299,"type":83},"UK issuers ask for the Companies House number where the business has one and a UK bank account in the entity’s name. They also commonly require a UK-resident director.",{"type":133,"content":1301},[1302],{"type":77,"attrs":1303,"content":1305},{"textAlign":25,"key":1304},"p-74",[1306],{"text":1307,"type":83},"UK issuers don’t generally make a VAT number a condition of applying.",{"type":77,"attrs":1309,"content":1311},{"textAlign":25,"key":1310},"p-75",[1312],{"text":1313,"type":83},"There is no personal credit-score number to hit on a company-liability programme because the issuer scores the business. Some banks also check connected persons such as directors and beneficial owners. A small-business card runs a soft or full search on the applying director, while individual or combined liability cards check each cardholder.",{"type":77,"attrs":1315,"content":1317},{"textAlign":25,"key":1316},"p-76",[1318],{"text":1319,"type":83},"The cash-balance minimums that circulate online are mainly associated with US fintech products. European prepaid platforms replace that test with funds loaded before spending, while fintech credit providers may use a turnover floor and a credit check on the entity.",{"type":174,"attrs":1321,"content":1322},{"level":176,"textAlign":25},[1323],{"text":1324,"type":83},"Spend controls, policy enforcement, and fraud prevention",{"type":77,"attrs":1326,"content":1328},{"textAlign":25,"key":1327},"p-77",[1329],{"text":1330,"type":83},"Four levers do most of the work: per-card limits, merchant category restrictions, approval workflows, and blocking cards that fall out of policy. What separates programmes is whether each lever acts during payment processing or afterwards in a report.",{"type":77,"attrs":1332,"content":1334},{"textAlign":25,"key":1333},"p-78",[1335],{"text":1336,"type":83},"Network and platform controls operate at two broad points:",{"type":130,"content":1338},[1339,1351],{"type":133,"content":1340},[1341],{"type":77,"attrs":1342,"content":1344},{"textAlign":25,"key":1343},"p-79",[1345,1349],{"text":1346,"type":83,"marks":1347},"At authorisation:",[1348],{"type":320},{"text":1350,"type":83}," Visa’s Commercial Payment Controls let an issuer apply a purchase amount limit, spend velocity by day, week, or month, merchant category block or allow lists, business-hours windows, and country lists. A new rule is live for the next authorisation request.",{"type":133,"content":1352},[1353],{"type":77,"attrs":1354,"content":1356},{"textAlign":25,"key":1355},"p-80",[1357,1361],{"text":1358,"type":83,"marks":1359},"At or after authorisation:",[1360],{"type":320},{"text":1362,"type":83}," Mastercard announced in October 2025 that issuers can apply transaction limits and merchant category restrictions at clearing, with global availability for issuers and their corporate customers planned for 2026. Fintech providers also layer their own rules on top: some decline an out-of-policy transaction upfront, while others flag it for review afterwards. Some treat weekly or monthly limits as soft even when the per-purchase limit is hard.",{"type":77,"attrs":1364,"content":1366},{"textAlign":25,"key":1365},"p-81",[1367,1369,1375],{"text":1368,"type":83},"Finance teams use ",{"text":1370,"type":83,"marks":1371},"Approval workflows",[1372],{"type":109,"attrs":1373},{"href":1374,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/platform/spend-control/",{"text":1376,"type":83}," for spend that fixed limits can’t anticipate. A platform can route a request from a given cost centre to a budget owner when it exceeds a threshold or falls into a sensitive category. The administrator can then fund the card or issue a virtual card, recording the approval against the transaction rather than reconstructing it from email.",{"type":77,"attrs":1378,"content":1380},{"textAlign":25,"key":1379},"p-82",[1381,1383,1389],{"text":1382,"type":83},"The detection lag supports moving controls earlier. ",{"text":1384,"type":83,"marks":1385},"ACFE’s 2024 Report to the Nations",[1386],{"type":109,"attrs":1387},{"href":1388,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.acfe.com/-/media/files/acfe/pdfs/rttn/2024/2024-report-to-the-nations.pdf",{"text":1390,"type":83},", covering 1,921 cases across 138 countries, found expense reimbursement schemes ran a median of 18 months before detection, with a median loss of $50,000. An issuer can use a merchant category block or per-transaction cap to decline the first attempt. A finance reviewer may find the pattern only after many transactions during reconciliation.",{"type":77,"attrs":1392,"content":1394},{"textAlign":25,"key":1393},"p-83",[1395,1397,1403],{"text":1396,"type":83},"Finance teams can therefore move the control from the audit file into the card itself. For example, Spendesk’s ",{"text":1398,"type":83,"marks":1399},"spend controls",[1400],{"type":109,"attrs":1401},{"href":1402,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/spend-control/",{"text":1404,"type":83}," can apply approval workflows and card rules before money moves, and its play by the rules setting can block further card spending until an overdue receipt is submitted. Depending on the provider and the rule, a transaction may still be flagged after authorisation rather than declined upfront. Finance can nevertheless spend more time reviewing exceptions and less time chasing documentation.",{"type":174,"attrs":1406,"content":1407},{"level":176,"textAlign":25},[1408],{"text":1409,"type":83},"Expense automation: receipt capture, reconciliation, and ERP integration",{"type":77,"attrs":1411,"content":1413},{"textAlign":25,"key":1412},"p-84",[1414],{"text":1415,"type":83},"Finance teams can use automated receipt matching to remove two of the slowest month-end jobs: pairing receipts to statement lines and keying the coded result into the ledger. The employee photographs the receipt at the till, and Optical Character Recognition (OCR) reads the supplier and amount. It also reads the VAT and date. The platform then matches that document to the card transaction it already holds. Finance posts the coded entry to NetSuite, QuickBooks, Xero, DATEV, or Sage through a native connector rather than a CSV. The time saved is the matching time and the keying time, and both scale with transaction count rather than with headcount.",{"type":77,"attrs":1417,"content":1419},{"textAlign":25,"key":1418},"p-85",[1420],{"text":1421,"type":83},"Buyers often miss integration gaps during evaluation. If an integration doesn’t sync the fields your bookkeeping depends on, such as VAT rates and cost-centre or project tags, the finance team has to re-key them at month-end rather than seeing the problem during the demo.",{"type":77,"attrs":1423,"content":1425},{"textAlign":25,"key":1424},"p-86",[1426],{"text":1427,"type":83},"Coverage is also regional. DATEV and Exact Online support is common on European-built platforms and rare on US-built ones, while NetSuite, Xero, and Sage Intacct are widely supported.",{"type":77,"attrs":1429,"content":1431},{"textAlign":25,"key":1430},"p-87",[1432,1434,1440,1442,1448],{"text":1433,"type":83},"For example, Spendesk’s expense claims module uses marvin, its OCR feature, to read receipts and prepare supplier and amount fields. It also prepares VAT fields for finance to review rather than type. Its ",{"text":1435,"type":83,"marks":1436},"integration catalogue",[1437],{"type":109,"attrs":1438},{"href":1439,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/integrations/",{"text":1441,"type":83}," includes Xero, NetSuite, Sage 100, DATEV, and Microsoft Business Central, with Odoo and Exact Online in selected European markets and QuickBooks in the US; scope varies by market and configuration, so confirm the connector for your stack during evaluation. Finance teams that pair card data with a NetSuite sync describe the month-end change in their own words; the ",{"text":1443,"type":83,"marks":1444},"Duco Technology",[1445],{"type":109,"attrs":1446},{"href":1447,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/customers/duco-technology/",{"text":1449,"type":83}," story is one account.",{"type":174,"attrs":1451,"content":1452},{"level":176,"textAlign":25},[1453],{"text":1454,"type":83},"Costs and rewards: fees, FX markups, cashback, and volume rebates",{"type":77,"attrs":1456,"content":1458},{"textAlign":25,"key":1457},"p-88",[1459,1461,1467],{"text":1460,"type":83},"A ",{"text":1462,"type":83,"marks":1463},"corporate card programme",[1464],{"type":109,"attrs":1465},{"href":1466,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.spendesk.com/blog/corporate-cards-uk-businesses/",{"text":1468,"type":83}," has four cost lines, and the headline cashback rarely dominates them: card or platform fees, foreign exchange markup, late-payment charges, and the rebate that offsets the rest.",{"type":77,"attrs":1470,"content":1472},{"textAlign":25,"key":1471},"p-89",[1473],{"text":1474,"type":83},"UK banks publish per-card fees. HSBC’s Commercial Card is free in year one and £32 per card after that, NatWest’s Business Credit Card is £30 per card unless annual spend on that card reaches £6,000, and Barclaycard’s Select Cashback has no annual fee. Corporate programmes from banks and from American Express are priced by quotation. Many fintech platforms charge a platform subscription rather than an annual per-card fee, though some charge for card issuance and delivery or replacement. That difference changes the economics once a programme has dozens of cards.",{"type":77,"attrs":1476,"content":1478},{"textAlign":25,"key":1477},"p-90",[1479],{"text":1480,"type":83},"The two variable penalty lines can move the annual result quickly:",{"type":130,"content":1482},[1483,1511],{"type":133,"content":1484},[1485],{"type":77,"attrs":1486,"content":1488},{"textAlign":25,"key":1487},"p-91",[1489,1493,1495,1501,1503,1509],{"text":1490,"type":83,"marks":1491},"FX markup:",[1492],{"type":320},{"text":1494,"type":83}," This is a percentage over the Visa or Mastercard rate, and EU rules require card issuers to show currency-conversion charges on euro and other EU-currency transactions as a percentage mark-up over the European Central Bank reference rate. Published UK bank business cards run from 0% in ",{"text":1496,"type":83,"marks":1497},"NatWest terms",[1498],{"type":109,"attrs":1499},{"href":1500,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.natwest.com/content/dam/natwest/business/credit-cards/documents/natwest-business-plus-credit-card-terms-and-conditions.pdf",{"text":1502,"type":83}," and for Santander Business Cashback to 2.99% in ",{"text":1504,"type":83,"marks":1505},"Barclaycard terms",[1506],{"type":109,"attrs":1507},{"href":1508,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.barclaycard.co.uk/content/dam/barclaycard/documents/business/cards-for-business/barclaycard_business_credit_card_tandcV3.pdf",{"text":1510,"type":83}," and for HSBC Commercial Card. Within the same banking group, NatWest Business Plus charges 0% while RBS onecard charges 2.95%. American Express publishes 2.5% on its Corporate Payments products in France and on its Business Card in the Netherlands, and 2% in Germany. Fintech platforms span 0% to 3% depending on plan.",{"type":133,"content":1512},[1513],{"type":77,"attrs":1514,"content":1516},{"textAlign":25,"key":1515},"p-92",[1517,1521,1523,1529],{"text":1518,"type":83,"marks":1519},"Late fees:",[1520],{"type":320},{"text":1522,"type":83}," In the UK, these are mostly a flat £12 on business cards, charged at most four times a year at Barclaycard. ",{"text":1524,"type":83,"marks":1525},"Amex UK terms",[1526],{"type":109,"attrs":1527},{"href":1528,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.americanexpress.com/content/dam/amex/uk/legal/business/cardmember-american-express-corporate-card-terms-and-conditions.pdf",{"text":1530,"type":83}," from December 2024 charge £12 plus 2% of the overdue amount, and a £95 reinstatement fee if the account is cancelled at 60 days overdue. Continental corporate programmes use percentages, including 2% with a €15 minimum in France and 1.8% in Italy. Revolving cards add interest on top.",{"type":77,"attrs":1532,"content":1534},{"textAlign":25,"key":1533},"p-93",[1535],{"text":1536,"type":83},"Rebates return to the company, not the cardholder. Commercial cards generally sit outside the EU and UK interchange caps that apply to consumer cards, which is why issuers can afford them. Bank corporate programmes negotiate the rate and pay it annually on volume; the UK government’s Crown Commercial Service payment-card framework, for instance, pays an annual rebate retrospectively on spend without publishing percentages.",{"type":77,"attrs":1538,"content":1540},{"textAlign":25,"key":1539},"p-94",[1541,1543,1549],{"text":1542,"type":83},"Retail-style UK business cards publish their rates. ",{"text":1544,"type":83,"marks":1545},"Barclaycard Select Cashback",[1546],{"type":109,"attrs":1547},{"href":1548,"uuid":25,"anchor":25,"target":112,"linktype":62},"https://www.barclaycard.co.uk/business/cards/credit-cards/select-cashback",{"text":1550,"type":83}," pays 1% on eligible spend of £2,000 or more per statement month, uncapped, while NatWest Business Plus tiers from 0.5% to 3% by category and caps the year at £600. Fintech cashback is plan-dependent and often capped at the subscription fee.",{"type":77,"attrs":1552,"content":1554},{"textAlign":25,"key":1553},"p-95",[1555],{"text":1556,"type":83},"At £50,000 of monthly card spend, with £5,000 of it in foreign currency, across 40 cards, applying those product-specific terms produces the following worked annual calculation:",{"type":389,"content":1558},[1559,1588,1617,1646,1675,1704,1733],{"type":392,"content":1560},[1561,1570,1579],{"type":395,"attrs":1562,"content":1563},{"colspan":397,"rowspan":397,"colwidth":25},[1564],{"type":77,"attrs":1565,"content":1567},{"textAlign":25,"key":1566},"p-96",[1568],{"text":1569,"type":83},"Cost line",{"type":395,"attrs":1571,"content":1572},{"colspan":397,"rowspan":397,"colwidth":25},[1573],{"type":77,"attrs":1574,"content":1576},{"textAlign":25,"key":1575},"p-97",[1577],{"text":1578,"type":83},"Published term applied",{"type":395,"attrs":1580,"content":1581},{"colspan":397,"rowspan":397,"colwidth":25},[1582],{"type":77,"attrs":1583,"content":1585},{"textAlign":25,"key":1584},"p-98",[1586],{"text":1587,"type":83},"Annual effect",{"type":392,"content":1589},[1590,1599,1608],{"type":435,"attrs":1591,"content":1592},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1593],{"type":77,"attrs":1594,"content":1596},{"textAlign":25,"key":1595},"p-99",[1597],{"text":1598,"type":83},"Cashback, uncapped at 1%",{"type":435,"attrs":1600,"content":1601},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1602],{"type":77,"attrs":1603,"content":1605},{"textAlign":25,"key":1604},"p-100",[1606],{"text":1607,"type":83},"£500 a month on £50,000",{"type":435,"attrs":1609,"content":1610},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1611],{"type":77,"attrs":1612,"content":1614},{"textAlign":25,"key":1613},"p-101",[1615],{"text":1616,"type":83},"£6,000 back",{"type":392,"content":1618},[1619,1628,1637],{"type":435,"attrs":1620,"content":1621},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1622],{"type":77,"attrs":1623,"content":1625},{"textAlign":25,"key":1624},"p-102",[1626],{"text":1627,"type":83},"Cashback, tiered with a £600 cap",{"type":435,"attrs":1629,"content":1630},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1631],{"type":77,"attrs":1632,"content":1634},{"textAlign":25,"key":1633},"p-103",[1635],{"text":1636,"type":83},"Cap reached within the year",{"type":435,"attrs":1638,"content":1639},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1640],{"type":77,"attrs":1641,"content":1643},{"textAlign":25,"key":1642},"p-104",[1644],{"text":1645,"type":83},"£600 back",{"type":392,"content":1647},[1648,1657,1666],{"type":435,"attrs":1649,"content":1650},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1651],{"type":77,"attrs":1652,"content":1654},{"textAlign":25,"key":1653},"p-105",[1655],{"text":1656,"type":83},"FX markup at 2.99%",{"type":435,"attrs":1658,"content":1659},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1660],{"type":77,"attrs":1661,"content":1663},{"textAlign":25,"key":1662},"p-106",[1664],{"text":1665,"type":83},"£149.50 a month on £5,000",{"type":435,"attrs":1667,"content":1668},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1669],{"type":77,"attrs":1670,"content":1672},{"textAlign":25,"key":1671},"p-107",[1673],{"text":1674,"type":83},"£1,794 cost",{"type":392,"content":1676},[1677,1686,1695],{"type":435,"attrs":1678,"content":1679},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1680],{"type":77,"attrs":1681,"content":1683},{"textAlign":25,"key":1682},"p-108",[1684],{"text":1685,"type":83},"FX markup at 0%",{"type":435,"attrs":1687,"content":1688},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1689],{"type":77,"attrs":1690,"content":1692},{"textAlign":25,"key":1691},"p-109",[1693],{"text":1694,"type":83},"Nil",{"type":435,"attrs":1696,"content":1697},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1698],{"type":77,"attrs":1699,"content":1701},{"textAlign":25,"key":1700},"p-110",[1702],{"text":1703,"type":83},"£0",{"type":392,"content":1705},[1706,1715,1724],{"type":435,"attrs":1707,"content":1708},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1709],{"type":77,"attrs":1710,"content":1712},{"textAlign":25,"key":1711},"p-111",[1713],{"text":1714,"type":83},"Per-card fee at £32 after year one",{"type":435,"attrs":1716,"content":1717},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1718],{"type":77,"attrs":1719,"content":1721},{"textAlign":25,"key":1720},"p-112",[1722],{"text":1723,"type":83},"40 cards",{"type":435,"attrs":1725,"content":1726},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1727],{"type":77,"attrs":1728,"content":1730},{"textAlign":25,"key":1729},"p-113",[1731],{"text":1732,"type":83},"£1,280 cost",{"type":392,"content":1734},[1735,1744,1753],{"type":435,"attrs":1736,"content":1737},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1738],{"type":77,"attrs":1739,"content":1741},{"textAlign":25,"key":1740},"p-114",[1742],{"text":1743,"type":83},"One missed statement at £12 plus 2%",{"type":435,"attrs":1745,"content":1746},{"colspan":397,"rowspan":397,"colwidth":25,"backgroundColor":25},[1747],{"type":77,"attrs":1748,"content":1750},{"textAlign":25,"key":1749},"p-115",[1751],{"text":1752,"type":83},"On £50,000 overdue, under one UK corporate charge card’s 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A single percentage point of FX changes the result by about £600 a year on this foreign spend. At 40 cards, per-card fees of £1,280 come to about two-thirds of the £1,794 FX cost.",{"type":77,"attrs":1769,"content":1771},{"textAlign":25,"key":1770},"p-118",[1772],{"text":1773,"type":83},"At that scale, a platform without an annual per-card charge may become competitive, depending on its subscription and transaction-usage fees. These figures are arithmetic illustrations based on specific published product terms, not market averages, so rerun the calculation with your own volumes before signing.",{"type":174,"attrs":1775,"content":1776},{"level":176,"textAlign":25},[1777],{"text":1778,"type":83},"Choosing a provider: bank issuers vs. fintech platforms",{"type":77,"attrs":1780,"content":1782},{"textAlign":25,"key":1781},"p-119",[1783],{"text":1784,"type":83},"The cards corporate buyers compare fall into two camps. 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