Business employee cards

Free employee cards eliminate the need for reimbursements and petty cash. With a Capital on Tap Business Credit Card, you get unlimited cards with no annual fees, real-time spend tracking, and automatic accounting sync. This helps small businesses save time on admin while earning 1% cashback on all team expenses.

A business expense card is a payment card issued by businesses to staff members to cover business-related expenses. These are also known as an employee card, a corporate credit card for employees or expense card for contract employees. Each card is linked to one person, making it easier to track spending and reduce paperwork. 

Read our guide on using your business credit card effectively for more advice on issuing employee cards responsibly. 

For existing or new employees, including contract workers, getting a Capital on Tap expense card is easy.

Simply go to the ‘Cards’ page in your account and select 'Request New Card'. Provide the employee's name and mobile number. They'll receive a link to confirm details and agree to the terms. Once approved, their new card will be issued.

Our employee cards are completely free. Some providers charge additional fees for adding supplementary employee cards, but Capital on Tap never charges for this, no matter how many users you add! 

This makes our offering one of the truly free business credit cards for multiple users and employees.

The common risks are employee misuse (unauthorised personal purchases), overspending due to unclear or absent limits, and operational risk if your business lacks a clear expense policy. Remember, the primary cardholder is ultimately liable for all debt on the account.

The most important step is to combine two things: set clear spending limits on each card and require mandatory expense documentation. Your company's formal expense policy must define acceptable purchases (e.g., fuel vs. personal dining) and mandate that receipts are submitted quickly. This prevents surprises and ensures compliance. For a full checklist on setting up your internal rules, see our guide To Using Your Business Credit Card Effectively.