Managing expenses just got easier.

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The Commerce Bank PrePaid Expense Card

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.

Empower Your Team to Work More Efficiently

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

  • Piggybank iconEliminate out-of- pocket expenses
  • Person with a clock iconNo waiting for company reimbursement
  • Credit Card iconUse anywhere Visa debit cards are accepted
  • Laptop with a line graph iconOnline account access and text alerts1 to track spending and balance
  • Two people talking icon24/7 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



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



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.



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


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


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

Who Uses It?

  • Schools and Universities

    Schools and Universities

    • Athlete expense disbursement
    • Employee and group travel
    • Teacher supplies
    • Faculty supply expenses
    Two college girls playing soccer

    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.

  • Public Sector

    Public Sector

    • Employee travel
    • Office supplies
    • Entertainment
    • Maintenance expense
    Construction workers inspecting blueprints

    How can the Prepaid Expense Card help the public sector?

    The Prepaid Expense Card provides employees with an easy way to access funds as needed and gives you complete spending control and an efficient way to monitor transactions.

  • Not-for-Profit


    • Employee travel
    • Entertainment and event expenses
    • Volunteer purchasing
    • Disburse funds to your teams anywhere in the U.S.
    Woman teaching children at a desk

    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.

  • Healthcare


    • Employee travel and entertainment
    • Office supplies
    • Consultant purchasing
    • Clinical expenses
    Nurse smiling at child patient

    How can the Prepaid Expense Card help the healthcare industry?

    From travel expenses to office supplies, the Prepaid Expense Card gives you complete spending control with the ability to load and unload funds as needed.

  • Business and Industry

    Business and Industry

    • Employee travel
    • Office supplies
    • Entertainment
    • Maintenance expense
    Customer at table with friends handing credit card to waiter

    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.

Commerce Prepaid Expense Card Pricing


Per Card, Per Month

100+ Cards with $500 total monthly load per Card
One time program set up fee = $250


Per Card, Per Month

Less than 100 Cards
100+ Cards with less than a $500 total monthly load per Card
One time program set up fee = $250

Commerce Bank Globe Logo

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. Visit Commerce Bank.

Learn More

For questions or additional information, please fill out the form below, email or view the Prepaid Expense Card FAQs.

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Download the Commerce Prepaid Fact Sheet

Get the fact sheet to see how your company can put the Commerce Prepaid Expense Card to work.