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Prepaid Expense Card

Managing expenses just got easier.

More control over employee spending, more freedom for your team.

The Commerce Bank Prepaid Expense Card is a reloadable, prepaid Visa® card that allows employees to easily access funds from their company or sponsor. The Card can be used to purchase goods and services and to access cash. You can easily load and unload funds for complete spending control. It’s perfect for per diem, petty cash replacement and a wide range of other purchasing needs.

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Empower your team to work more efficiently.

The Prepaid Expense Card simplifies the purchasing process for your employees.

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Eliminate out-of-pocket expenses

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No waiting for company reimbursement

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Use anywhere Visa debit cards are accepted

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Online account access and text alerts1 to track spending and balance

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24/7 customer support available

Make managing company and employee expenses easier.

Features Commerce Bank
Prepaid Expense Card
Corporate Cards Petty Cash Employee Reimbursement
Load and unload funds

Set up automatic reloads

Limit cash access

Limit where card can be used

Set spending limits

Monitor spending and balances online

Eliminate the risk of cash handling

Eliminate the expense of check reimbursement

Simplify reconciliation and receipt handling

Visa Zero Liability protection2

No credit line required

How it works.

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Customize your Card program:

  • Set spending limits
  • Limit where Cards can be used
  • Control cash access
  • Add custom logo to Card design3
Learn how to use the online administration tool to order and load Cards and set up Card reporting.

Entering a credit card number online


Order Cards using the online administrator tool. Choose how you would like employees to receive their Card.

  • Send to your business for distribution
  • Mail to employee’s home address
  • Temporary Cards can be instantly-issued by your program administrator for urgent needs

Man working at his desk on finances.


Load or unload the Cards as needed.

  • Load through ACH from any bank, including scheduled reloads
  • Unload funds if needed, using the online administration tool
  • Immediate, real time funding available with Commerce Bank line of credit4

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For more information or to start the enrollment process, email us or call (866) 946-3017. After you enroll, allow up to six weeks for implementation and training.

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Review transaction history and get usage reporting for each Card in your program.

Who uses it?

How can the Prepaid Expense Card help schools and universities?

From athlete travel to classroom supplies, the Prepaid Expense Card provides complete spending control and an easier way for teachers, students and faculty to access funds as needed.

  • Athlete expense disbursement
  • Employee and group travel
  • Teacher supplies
  • Faculty supply expenses
“This card might be one of the BEST THINGS we’ve ever introduced.”
Sue Hamilton - Senior Business Support Specialist, University of Missouri

How can the Prepaid Expense Card help construction companies?

From employee per diem to purchasing supplies, the Prepaid Expense Card gives you complete spending control with the ability to load and unload funds as needed.

  • Per diem
  • Employee travel
  • Material and supplies expense
  • Office supplies

“Commerce Bank prepaid cards have become INDISPENSABLE in streamlining our cash control.”
Tina Newell - Concrete Coring Company

How can the Prepaid Expense Card help not-for-profit organizations?

The Prepaid Expense Card helps you stay within your budget by allowing you to easily load and unload Cards as needed for complete spending control.

  • Employee travel
  • Entertainment and event expenses
  • Volunteer purchasing
  • Disburse funds to your teams anywhere in the U.S.

“The Prepaid Expense Card’s support staff is knowledgeable, patient and gives specific and clear instruction on how to navigate the management site. I appreciate their commitment to ensuring we have a good understanding of the process.”
Valerie Coltharp - UFM Community Learning Center

How can the Prepaid Expense Card help transportation companies?

The Prepaid Expense Card provides drivers and other employees with an easy way to access funds as needed and gives you complete spending control and an efficient way to monitor transactions.
  • Per diem
  • Employee travel
  • Maintenance expense
  • Office supplies
“Implementation was simple and the program has been working FLAWLESSLY.”
Michael Giddens - General Manager, Pacific Coachways

How can the Prepaid Expense Card help businesses?

From office supplies to business lunches, the Prepaid Expense Card provides complete spending control and an easier way for employees to make company purchases.
  • Employee travel
  • Office supplies
  • Entertainment
  • Maintenance expense
“Great customer service.”
“Freed up time for employees.”
“Allows us to make sure money is spent properly.”
Lohr Distributing - St. Louis, MO

Commerce Prepaid Expense Card pricing

$1 per card, per month

• 100+ cards with $500 total monthly load per card
• One-time program set-up fee = $250

$3 per card, per month

• Less than 100 cards or 100+ cards with less than a $500 total monthly load per card
• One-time program set-up fee = $250

The Commerce Difference

The Commerce Difference

Commerce Bank is a super-community bank that has been in the industry over 150 years, and offers an array of sophisticated financial products delivered with high-quality, personal customer service. Commerce has over 200 branches in Missouri, Kansas, Illinois, Oklahoma and Colorado, commercial offices in Cincinnati, Nashville and Dallas, and a nationwide presence in the commercial payments industry.

Questions? We're up for the challenge.

Challenge Accepted(TM)

Contact us


  1. Standard text rates from your cell provider may apply. See your cell phone carrier for details.

  2. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.

  3. Additional fees associated with custom logo Card design.

  4. Immediate load option is subject to line of credit approval by Commerce, which approval may be withheld at its sole discretion.

  5. To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

  6. To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.

    Prepaid Expense Card Terms and Conditions[PDF]