Business Prepaid Cards
Prepaid Expense Card
Simplify per diem and workforce spending - and empower your team.
The Prepaid Expense Card is a reloadable, prepaid Visa® card that allows employees to easily access funds from their company or organization. This business prepaid card can be used to purchase goods and services, and you can choose if you want to allow cash access. You can easily load and unload funds, choose where the card can be used and view cardholder transactions for complete spending control.
Learn More how to apply for the Prepaid Expense Card
Top Three Uses
Eliminate out-of-pocket
expenses and employee
reimbursement.
Streamline your
approach to per diem
and travel expenses.
Replace petty cash
with a more secure
solution.
Key Benefits
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Limit cash access and set spending limits
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Designate card use when, where and how you choose
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Eliminate check reimbursement
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Digital load and unload funds 24/7, plus schedule future loads
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Simplify receipt reconciliation
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No Commerce bank account required
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Monitor spending and balances in real time
Pick your industry
Education & Athletics
“Commerce Bank has been an amazing banking partner. They helped us through any issues we've had and didn't oversell the card. They told us what the benefits were and we have come to see all of them.”
– TCU Athletics
Learn how Prepaid Expense Cards can help solve your expense disbursement needs in this rapidly changing environment. For a limited time, get started with no-cost implementation.
Learn more
Construction & Energy
"Commerce Bank has provided exceptional customer service for our per diem processes. The Prepaid Expense Card program has streamlined a difficult and time consuming task."
– Leigh Ann Richmond
Axis Energy Services
Transportation
"Implementation was simple, and the program has been working FLAWLESSLY."
– Michael Giddens, GM, Pacific Coachways
Non-Profit
“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
General Business
“Great customer service! The card freed up time for employees and allowed us to make sure money is spent properly.”
– Lohr Distributing
Explore your options
Learn more about our modern approach to authorizing, enabling and tracking workforce spending.
Click to learn more about temporarily locking your misplaced credit card Learn More authorizing, enabling and tracking for workforce spendingPricing and Implementation
With Commerce Bank, you’ll have a Prepaid Expense Card team you can count on. When you contact us for help, you’ll reach Commerce Bank’s main office in Kansas City, MO — not a remote call center. No outsourcing. You can reach out anytime, from product training to proactive, ongoing support anytime you need it.
Set-up Options
| Quick Set-up | Customized Set-up |
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Prepaid Expense Card pricing
| Less than 100 cards, or 100+ cards with less than a $500 total monthly load per card | 100+ cards with $500 total monthly load per card | ||
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| One-time program set-up fee | $250 | One-time program set-up fee | $250 |
| Instant issue set-up fee (optional) | $250 | Instant issue set-up fee (optional) | $250 |
| Instant Funding Line of Credit set-up fee (optional) | $250 | Instant Funding Line of Credit set-up fee | $250 |
| Monthly card maintenance fee, active cards | $3 per card | Monthly card maintenance fee, active cards | $1 per card |
| Monthly card maintenance fee, suspended cards | $0.50 per card | Monthly card maintenance fee, suspended cards | $0.50 per card |
How it works
Have a question?
Need more information regarding our services? We are ready to answer your questions.
Let's talkDisclosures:
* Immediate load option is subject to line of credit approval by Commerce, which approval may be withheld at its sole discretion.
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