Issue free employee cards to your team

A business expense card is a payment card your business gives to employees for work purchases. Each card is linked to one person, making it easy to track spending and reduce paperwork. Capital on Tap employee cards are free, come with individual spending limits, and sync with Xero, Sage, and QuickBooks.

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

You issue each employee their own card, linked to your main business credit card account. Each card has a spending limit you control. Transactions appear in your account instantly and receipts can be uploaded from the Capital on Tap app. Virtual cards are available straight away. Physical cards arrive in the post.

Yes, for most small businesses employee cards save significant time and reduce the risk of untracked spending. They remove the need for reimbursements, give you real-time visibility, and sync with accounting software automatically. With Capital on Tap, employee cards are free and you set the limits, so you stay in full control.

Free employee business credit cards mean your team never has to spend personal money on work expenses. With the Capital on Tap Business Credit Card, you get unlimited cards at no cost, real-time spend tracking, and automatic sync with your accounting software, plus 1% cashback on every team purchase.

Employee cards are completely free with Capital on Tap. There's no limit on how many you can add and you'll never be charged for them, no matter how many people are on your team.

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.

Set individual spending limits when you issue each card, monthly or per transaction. You can see every transaction in real time from your app or portal. If there is an issue, freeze any card instantly. Requiring staff to upload receipts through the app gives you a full audit trail with no extra effort.

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.

The main risks are unauthorised personal purchases, overspending without clear limits, and gaps in your expense policy. Capital on Tap lets you set spending limits on every card, block ATM withdrawals, and freeze cards instantly. The primary cardholder is responsible for all debt on the account, so a clear written expense policy is essential before issuing cards.