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Business Prepaid Cards

Prepaid Expense Card

Simplify per diem and workforce spending - and empower your team.

Prepaid Expense Card

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

wallet icon

Eliminate out-of-pocket
expenses and employee
airplane icon

Streamline your
approach to per diem
and travel expenses.
mobile phone and dollar icon

Replace petty cash
with a more secure

Key Benefits

  • Limit cash access and set spending limits

  • Designate card use when, where and how you choose

  • Eliminate check reimbursement

  • Digital load and unload funds 24/7, plus schedule future loads

  • Simplify receipt reconciliation

  • No Commerce bank account required

  • Monitor spending and balances in real time

Pick your industry

Complete spending control, from athlete per diem and travel to classroom supplies.

“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
From per diem to employee travel, material expenses and more, it’s all streamlined.

"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

Pave the way for drivers and employees to access funds — and take control over expense limits.

"Implementation was simple, and the program has been working FLAWLESSLY."

– Michael Giddens, GM, Pacific Coachways

Keep the focus on your organization’s mission and empower team members with authorized purchases and automated expense tracking.

“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

Reload cards anytime, monitor spending digitally and replace reimbursement.

“Great customer service! The card freed up time for employees and allowed us to make sure money is spent properly.”

– Lohr Distributing

Buses and prepaid cards

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 spending

Pricing 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
  • Be up and running in 2-3 weeks
  • Tailored to your needs in 4-6 weeks
  • Standard merchant restrictions
  • Customize merchant restrictions
  • Standard load and spend limits
  • Set your own load and spend limits
  • Personalize with employee name, and business name
  • Option to keep instant issue card onsite
  • Personalize with employee name, business name, and company logo

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  
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

Steps to set up Prepaid Expense Card account Steps to set up Prepaid Expense Card account

Have a question?

Need more information regarding our services? We are ready to answer your questions.

Let's talk


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