Free business debit cards with spend controls
Issue physical or virtual cards with per-transaction limits, monthly caps, and automatic expiry — every purchase mapped to the right account instantly.
Marketing
$5,000/mo limit
Card Issued
Ready to use
Instant Lock
One tap control
Events Budget
$10,000 total
Cards built for founders who want control
Spend controls that actually work
Set per-transaction limits, daily caps, monthly budgets—or set an expiration date so a card just stops working when you say.
Tie cards to the right account or project
Each card draws from a specific Holdings account, so marketing spend stays in Marketing and contractor invoices are already separated.
Physical or virtual in seconds
Need a card now? Create a virtual card instantly. Need it in hand? We'll print and mail a physical card in days.
See who spent what, instantly
Every transaction flows into your accounting workspace already tagged to the right account and cardholder.
Lock cards on the spot, no phone call
Card lost? Suspicious charge? Lock it instantly from your phone. No calling a bank, no waiting.
55,000+ fee-free ATMs nationwide^
Access the Allpoint network for fee-free cash withdrawals and deposits at 55,000+ locations across the country. Find your nearest ATM.
Find an ATM near youHow cards work in practice
Real controls, real visibility, real simplicity
Organize cards by team, project, or purpose
Give your team, contractors, or vendors the cards they need—and name them something you'll remember. Everything stays organized even if you have dozens of cards out.
All Cards
Marketing - Paid Social
Sarah Chen
Q4 Events Budget
Mike Ross
Contractor - John Smith
John Smith
How founders use Holdings cards
For team spending
Issue a card to each department or team with their own monthly budget and controls. See exactly what marketing, sales, or ops spent.
For contractors and vendors
Give a contractor a temporary card with a 30-day expiration and a per-transaction limit. It stops working automatically—no follow-up calls needed.
For events or campaigns
Create a dedicated card for a conference or product launch with a fixed budget. When the event ends, lock the card.
For company purchases
Issue cards to admins or procurement for vendor payments and office expenses. Controls keep spend in line, transaction history keeps it auditable.
Security you can trust, controls you own
Instant control
Lock or cancel any card immediately from your dashboard
End-to-end encryption
Every transaction is encrypted and tracked in real time
Fraud alerts
Get instant notifications on suspicious activity
Cards that fit into your whole system
Every transaction flows automatically through your system
Questions we hear a lot
What kind of cards does Holdings offer?
Holdings provides both physical and virtual business debit cards linked to your Holdings accounts.
Can I set spending limits on cards?
Yes—you can set per‑transaction limits, monthly caps, and automatic expiry dates for each card.
How do card purchases show up in my accounting?
Every card purchase is automatically tied to the correct account and flows straight into your accounting for easy categorization.
Can I issue cards to my team or contractors?
Yes—you can issue cards to team members or contractors in seconds and control how each card can be used.
Ready to give your team cards with real controls?
Issue your first card in minutes. Set limits and controls upfront. Sleep easier knowing where the money goes.
Cards Features & Solutions
Business Debit Cards
Issue physical and virtual cards to your team.
Virtual Business Cards
Create instant virtual cards for subscriptions and vendors.
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Payments & Bill Pay
ACH, wires, and bill pay from one dashboard.
Banking for E-commerce
Manage multiple revenue streams and marketplace payouts.
Banking for Contractors
Job costing, sub-accounts per project, and 1099 prep.
Holdings vs Chase
Why businesses are switching from Chase to Holdings.