Free business debit cards with spend controls
Issue physical and virtual debit cards to your team. Set per-transaction limits, monthly caps, and tie each card to a specific sub-account.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Business cards that actually control spending
Stop chasing receipts. Start setting rules.
Physical & Virtual Cards
Issue physical cards for in-person purchases and virtual cards for online spending. Both free, both with full spend controls.
Per-Card Spend Limits
Set per-transaction limits, daily caps, and monthly maximums on each card. Lock or freeze cards instantly from your dashboard.
Tied to Sub-Accounts
Link each card to a specific sub-account. Marketing cards draw from the marketing budget. Project cards draw from the project fund.
Real-Time Expense Tracking
Every swipe is instantly categorized in your accounting. No manual receipt entry, no end-of-month reconciliation.
Built for real business needs
Team Expense Cards
Issue cards to employees with monthly limits. They spend within budget; you see every transaction in real time.
Marketing Ad Spend
Create a virtual card for Google Ads, another for Facebook. Each draws from its own budget sub-account.
Travel Cards
Issue temporary virtual cards for business trips with specific limits. Deactivate after the trip.
Subscription Management
Assign each SaaS subscription to its own virtual card. Cancel the card to cancel the subscription.
Contractor Payments
Issue project-specific cards to contractors. Spending is limited to the project budget.
Office Supplies
Give your office manager a card with a monthly cap. Expenses auto-categorize as office supplies.
Frequently asked questions
How many cards can I issue?
There is no limit. Issue as many physical and virtual cards as your team needs. All free.
Can I set different limits on each card?
Yes. Each card can have its own per-transaction limit, daily cap, and monthly maximum. Change limits anytime from your dashboard.
Can I freeze a card instantly?
Yes. Lock or unlock any card instantly from your Holdings dashboard or mobile app. Frozen cards decline all transactions immediately.
Are card transactions tracked in accounting?
Yes. Every card transaction is automatically categorized in your Holdings accounting based on the card's sub-account assignment and merchant category.
Do virtual cards have unique numbers?
Yes. Each virtual card has a unique card number, expiration date, and CVV. You can create single-use or recurring virtual cards.
What network are the cards on?
Holdings debit cards are issued on the Visa network, accepted at millions of merchants worldwide.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
1.75% APY† • Zero fees^ • FDIC insured to $3M*