Business credit cards

Cape is the credit card designed for small business. Apply now to take advantage of:

  • Zero interest rate
  • Zero FX fees
  • Max credit limits up to $500k
  • Approval in 2h
Cape desktop appCape credit card
5 stars

Zero bank queues

Skip the bank queues. Applying for a Cape Business Credit Card is simple. All you need is 2 minutes, a few simple details and your preferred credit limit (we offer limits between $5000 and $500k).

Skip the bank queues

No need to visit a branch. Cape has a fast online application process. Application only takes 2 minutes and  most businesses are approved within 2 hours. Fast.

Order online, free physical credit cards

Issue credit cards to your employees online or on the app. Simple.

Apply now
Cape expense controls interface

Control your expenses

Manage credit limits or where employees can spend in real time. Automate expense management with our built in receipt capture and accounting integrations. Efficient.

Zero annual percentage rate

That's right. Zero interest. Get access to a line of credit each month - up to $500k and pay absolutely no interest when you pay on your due date. Apply now and save.

Apply now
No fx fees

Zero foreign exchange fees

Gina needs a software subscription in USD? Paying for subscriptions often means paying in USD, GBP, EUR, or currencies other than your own. With traditional corporate cards, that means transaction fees.

Our fees are lower. Zero in fact. Apply for a Cape Business Credit Card and pay no FX or processing fees.^

^ Subject to caps noted in your pricing plan

Apply now

Zero cashflow uncertainty

Uncertainty is stressful. Smooth out volatility and cover unexpected expenses with a consistent flow of cash, powering up your team to focus on what matters most.

Apply now
Jar of cash
In app spend controls

Maximum spend control

Tommy needs to travel for work? Give employees physical or virtual cards with custom controls and limits, so you never go a dollar over budget. Track everything and make spend management more efficient with Cape.

Apply now

Why choose Cape?

Business owners and finance leaders love Cape.

Money

Up to 3x higher credit
limits than AMEX

Higher credit limits allow for more breathing room if your business encounters an unexpected cost. Cape credit limits can be up to x3 greater than banks and AMEX.

Also, you won't need to sign a personal guarantee or use an asset as security.

Mastercard credit card

It's a Mastercard

Mastercard is accepted in more places than AMEX, and generally have no or lower vendor transaction fees. Oh, and you get complimentary travel insurance as a bonus.

Apply now
Employer and employee shaking hands online

We qualify your business, not your employees

Traditional business charge cards often do credit checks on your employees. It's a pain point for many businesses. At Cape, we approve your business, no credit checks on employees* required!

* Company directors are subject to credit checks

Not our words. Yours

James Bowe, Co-Founder, OwnHome
We're more than just the number on the card; Cape were keen to understand our business needs and how they can be an effective partner.
James Fyfe, CEO, Portant
We've moved across our cards from one of the big banks, and the drop in FX fees alone is saving us tons of money.

Matt Almond, CEO & Co-Founder, UpSure
Cape’s eliminated the crazy fees that other cards were charging, and it’s allowed us to move our USD subscriptions over, saving a heap of money.

Pricing plans for every business

There's a pricing plan to suit every business size.
Save 20% with annual billing. Prices exclusive of GST

Starter

For entrepreneurs
From:
$39.99
per
month
Apply now
Get one month free
  • 1 x cardholder
  • Credit limit <$5,000
  • 30 credit days
  • $0 transaction fees
  • 0% interest
  • $2k fee free foreign transactions
  • Free inconvenience travel insurance
  • Free airport lounge access
  • Accounting feed CSV
  • Xero Accounting integration

Essentials

For teams
From:
$99.99
per
month
Apply now
Get one month free
Everything in Starter, plus
  • 4 x additional cardholders
  • Credit limit <$20,000
  • $10k in foreign transactions
  • Dedicated account manager
  • Spending limit approval workflows
  • Access 1300+ airport lounges globally

Scale

For departments
From:
$199.99
per
month
Apply now
Get one month free
Everything in Essentials, plus
  • Unlimited cardholders
  • Credit limit <$500,000
  • $50k in foreign transactions
  • Quarterly spending audits
  • Maximised savings

Starter

For entrepreneurs
From:
$31.99
per month
Apply now
Get one month free
  • 1 x cardholder
  • Credit limit <$5,000
  • 30 credit days
  • $0 transaction fees
  • 0% interest
  • $2k fee free foreign transactions
  • Accounting feed CSV
  • Xero Accounting integration

Essentials

For teams
From:
$79.99
per month
Apply now
Get one month free
Everything in Starter, plus
  • 4 x additional cardholders
  • Credit limit <$20,000
  • $10k in foreign transactions
  • Dedicated account manager
  • Spending limit approval workflows
  • Access 1300+ airport lounges globally

Scale

For department
From:
$159.99
per month
Apply now
Get one month free
Everything in Essentials, plus
  • Unlimited cardholders
  • Credit limit <$500,000
  • $50k in foreign transactions
  • Quarterly spending audits
  • Maximised savings

Frequently asked questions

Who is Cape and where are you based?

We are an Australian FinTech company based in Sydney that offers corporate cards and tools designed to help businesses save time on expense management and cut down on wasteful spending. We were recently wholly acquired and now owned by ANNA.Money, an AI-powered business account and tax app for small businesses. Supporting more than 100,000 UK businesses, ANNA's vision is to make life easier for small business owners by handling the admin so they can focus on growing their businesses and will be launching this suite of products into Australia in late 2024.

Will applying for a Cape charge card card affect my credit score?

We only run soft credit checks, which means applying won’t affect your credit score. But the application will show up on your credit report.

What's the difference between a Business credit card and a Cape charge card?

Both cards can offer a line of credit to your business.

The key difference is that a credit card will allow you to carry a balance forward each month. This means your business can pay off the balance at a time that suits, provided the minimum monthly payments are made on time. However, this does come at a cost - credit cards charge interest each day that you hold a balance on the card, often as high as 24% p.a. This can add up significantly over time.

A charge card, like Cape offers, requires you to repay your balance in full each month. Using a charge card will often work out cheaper for your business, because you won't be charged interest on your balance, making it a great option if your business has steady cash flow, or you're looking for a safety net to keep thing flowing smoothly.

What are the benefits of a Cape charge card, over a Business credit card?

The key benefits of a Cape card are:

  • You won't be changed any interest as long as you repay your balance by the due date.
  • We regularly review your credit limit to see if we can offer you an increase
  • Your application will be reviewed quickly - usually hours, not days or weeks like some of the big banks
  • You won't be charged any fees for international transactions, subject to any limits in your pricing tier

What happens if I don't pay back my balance in time?

If you don't pay back your balance in the 30 day credit period, we will charge a late payment fee. This fee is 2.99% of the outstanding amount.

What are the criteria for getting a Cape account?

To use Cape, you'll need to apply and qualify for a Cape corporate card. There are several factors we consider when assessing a card application, but the must-have, non-negotiable criteria to qualify are:

  • Your business is a Pty Ltd company
  • You have been in business for over 12 months
  • Your annual turnover exceeds AUD$75,000

How do you verify my financials?

A company's financials are usually verified by assessing bank account statements and accounting records. The easiest way to provide this information to Cape is by utilising our state-of-the-art integrations with Basiq (for bank statements) to sync your financial statements securely with our underwriting system. Alternatively, you can upload PDF statements to our review platform for manual verification.

Do you require a personal guarantee or asset security?

No. You won't need to sign a personal guarantee or use an asset as security to get a Cape card. Approval is based purely on your business financials.