Emburse
$120/mo est.
- Card type
- Prepaid
- Purchase APR
- Not applicable
- FX fee
- 1% + $0.30 per transaction
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $120/mo
Emburse
Prepaid corporate cards issued through Emburse Spend expense software, priced per user with a minimum billed headcount.
Best for
US teams that want tightly controlled prepaid cards inside an expense tool and have no need to borrow on the card.
- Purchase APR
- Not applicable
- Annual fee
- $0
- Card type
- Prepaid
- Personal guarantee
- Not published at source
How Emburse compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Chase Sapphire Reserve for Business
$66.25/mo est.
- Card type
- Pay in full + Flex
- Purchase APR
- Flex 17.74% to 28.49%
- FX fee
- None
- Personal guarantee
- Personal guarantee required
- Minimum to apply
- Not published at source
- Est. fees /mo
- $66.25/mo
Chase Ink Business Premier
$16.25/mo est.
- Card type
- Pay in full + Flex
- Purchase APR
- Flex 17.74% to 28.49%
- FX fee
- None
- Personal guarantee
- Personal guarantee required
- Minimum to apply
- Not published at source
- Est. fees /mo
- $16.25/mo
Capital One Spark Cash Plus
$12.50/mo est.
- Card type
- Charge + pay over time
- Purchase APR
- 25.74%
- FX fee
- None
- Personal guarantee
- Not published at source
- Minimum to apply
- Not published at source
- Est. fees /mo
- $12.50/mo
Strengths and trade-offs
Pros
- No fee per card, physical or virtual
- Spends only money you have loaded, so there is no credit to repay
- Foreign transaction and cross-border fees are published in full
- Approvers are not billed unless they also submit expenses
- Plus adds NetSuite, Sage Intacct and multi-subsidiary support
Cons
- A prepaid card, so it extends no credit
- Software is billed for a minimum number of users, even for a smaller team
- NetSuite, Sage Intacct and multi-subsidiary support need the Plus plan
- Emburse describes the same cards as prepaid and as credit cards on different pages
- Eligibility, personal guarantee and credit check terms are not published
About Emburse
Emburse Cards are prepaid cards, not a credit line: the business funds a card balance from a linked bank account, and each card spends within a limit an administrator sets. Emburse's pricing page calls them prepaid while one help centre article calls them real credit cards; the funding mechanics match prepaid. The cards are issued by Celtic Bank, and Emburse says there is no fee per card.
The cards come with Emburse Spend, priced per user each month on two plans and billed for a minimum number of users even when fewer submit expenses. A user is anyone who submits an expense. The Basic plan syncs to QuickBooks and Xero; the Plus plan adds NetSuite, Sage Intacct and support for several subsidiaries.
Emburse Spend serves organizations based in the United States only. It publishes no personal guarantee, credit check or entity terms for the card.
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