Corporate card
Corporate cards built for global businesses
Spend directly from your multi-currency business account across 13 currencies, earn 1.2%^ uncapped cashback, and manage every business expense from one place.
Trusted by 50,000+ modern businesses
4.5 rating
Manage business spending smarter as you scale
Spend globally, your way
Pay directly from your account balances and earn 1.2%^ uncapped cashback on eligible spend
Stay in control
Issue cards for your team, set spending limits, and monitor every transaction in real time
Keep your cash flow flexible
Access a business credit limit in HKD or USD, with up to 51 days interest-free†, billed once a month. †Subject to approval. Terms and conditions apply.
Give your team the tools to spend with confidence
Create cards for every business need
Issue virtual cards for employees, vendors, subscriptions, and more. Keep every payment visible, organised, and easy to manage.
Set controls before spending happens
Create spending limits, approval rules, and merchant controls to keep budgets on track.
Reduce expense admin
Stop chasing receipts. Capture receipts, organise transactions, and reduce manual reconciliation.
Integrated with your accounting software
Close your books twice as fast, with all transactions synced with major accounting software.
Save on FX fees, with multicurrency corporate cards
Leverage market-leading FX rates when you spend with the Aspire card. Issue Aspire Corporate Cards in multiple currencies, and spend directly in USD or HKD to avoid FX fees altogether. More currencies coming soon.
Earn 1.2% cashback on your spend
Enjoy 1.2% cashback^ across a wide range of business spend, from business travel and online ads, to SaaS tools and more. Turn everyday expenses into savings that fuel your business.
Hear it first from our customers
Gregory Van
CEO of Endowus
“As a startup, we needed more flexible solutions to support our increasing needs, as well as ones that’d make the most financial sense in supporting our growth.”
- Saved per year
- $111,000
- Saved per year
- 900hr
Holly Qian
Head of Finance at First Page
“By leveraging Aspire, First Page aimed to establish tighter control over our financial outflows, ensuring that all media spending stayed within the allocated budget limits. This was crucial for maintaining financial discipline and ensuring that our company’s marketing efforts were both effective and sustainable.”
- Saved per year
- $35,320
- Saved per year
- 1,664hrs
William Chong
Finance Director at Glints
“In the past, we used different devices for calls, music, and work. Just like smartphones brought everything together, Aspire elegantly combines corporate cards, FX, business accounts, payables, and much more, into one user-friendly interface.”
- Saved per year
- $73,000
- Saved per year
- 760hrs
Get the most powerful corporate card out there
Understanding corporate cards
Similar to personal debit or credit cards that are issued to individuals, banks and other financial institutions like Aspire also provide debit or credit cards to corporate entities. Such cards, which are issued to companies or businesses are called corporate cards. The businesses in turn may choose to distribute these corporate cards, among their employees for business-related expenses.
However, the liability to pay any charges that are incurred on these corporate cards is that of the company. Corporate cards make it simple for employees to spend on behalf of the company without paying it out of their own pockets and waiting for reimbursements later. For businesses, it allows them to track expenditures with ease, set limits on card spending, and delegate spending while having control. Corporate cards are also specifically designed to provide numerous rewards and benefits for the company as well as its employees which makes corporate cards very profitable for businesses.
Earlier, businesses used to issue corporate cards only to company directors or senior managers. However, this may cause a bottleneck as your company scales as employees at different levels may need to undertake corporate expenses.
The modern approach to issuing corporate cards is by understanding the needs at a role level. Employees in certain roles such as sales, client servicing, purchase or marketing department often tend to spend money on behalf of the company. Also, certain designations like mid-level managers who meet with clients regularly, or need to make business trips frequently on behalf of the company are potential candidates to issue a corporate card to.
Benefits of issuing corporate cards to your employees
Helps you scale your business faster
With corporate cards, employees are empowered to make financial decisions which are required for the efficient functioning of their roles within the organization. On the other hand, founders can easily track company spending with corporate cards and seamlessly integrate it with other financial processes such as expense management and also their accounting software. Thus, helping businesses to automate and grow faster.
Reduces frauds
Modern corporate cards are designed to mitigate fraud through multiple features such as transaction limits, category locks, and an option to freeze the card when lost or stolen making corporate cards a safer option to distribute among your employees. By distributing ownership, you also distribute financial responsibilities amongst your employees, who are then responsible for all the spending on their cards. Thus, helping in reducing fraud at large.
Higher visibility
Modern corporate cards provide features like automated transaction alerts, expense categorization etc. that aid higher visibility. By distributing cards to their employees, businesses can track all the spending that is happening within the organization at a project level, team level or even an employee level.
Choosing a corporate card for your business
In today’s financial ecosystem, you can avail virtual corporate cards as well as physical corporate cards. Physical cards are the normal tangible cards that have existed in the market for years. Virtual cards are digital cards which reside in your phone, tablet, laptop etc. and have no physical presence even though they function exactly the same as physical cards. While both cards have their own pros and cons, with increasing transactions being done online, virtual cards are replacing physical cards in the market. That said, you need not choose between any one of them, as many providers such as Aspire, offer you the flexibility of owning multiple virtual cards as well as a physical card at the same time at no extra cost.
Corporate cards can exist both as debit cards where your withdrawals are limited to the funds present in your account and also as credit cards where you can withdraw a specified amount as per your eligibility, and repay the same within a specified period. While credit cards are preferred for ensuring smooth cash flow, debit cards are preferred by businesses looking to stay within limits, and in control. Aspire corporate card is a corporate debit card, however, it offers you flexibility to get a credit line on the card, thus providing businesses control as well as extra funds to facilitate a smooth cash flow.
Traditionally corporate cards were designed for companies with high annual revenues, whereas business cards were for smaller companies. But with times changing quickly and the functioning of both companies large or small taking a more global, digital-first approach, the rewards of both corporate cards as well as business cards are gravitating towards providing more and more digital benefits. Instead of deciding on a card by what it is called, it is better to read into the detailed benefits of each card to understand which one will be more suited for your business needs.
FAQs about Aspire corporate cards
At Aspire, we want you to pay the lowest rates in the market.
- Zero card activation fees
- Zero card transaction fees
- Great exchange rates
All Aspire cardholders will enjoy a minimum cashback of 1.2% on all spend. Our cashback promos are designed to help your business thrive, so take advantage of them!
Cashbacks are computed automatically at the end of each month based on your expenses. The cashback is then deposited into your business account by the 1st week of next month.
You will receive a separate email notification when the cashback has been processed.
You can create multiple cards for directors, employees, and even external individuals such as your accountant at no additional costs.
When issuing an Aspire card to an individual user, you can also name the card for specific company expenses (i.e.Facebook advertising expenses).
As an Admin, you can issue virtual cards to employees with spend limits at no additional costs. For employees already on Aspire, Admins can issue cards in the following ways:
- Click on Debit cards to access your company cards page
- Click on the "+ New card" button to initiate card creation
- Select the user that you would like to create a card for and complete the required fields
- Card is created immediately
You can issue cards during the invitation flow. Do note that Admins will not be able to issue to other account Admins, they can issue a card on their own. Please note, Cards for account Admins (directors) will be created automatically upon account activation.
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