Cape is the credit card designed for small business. Apply now to take advantage of:
Businesses are hard enough to run without having to worry about cashflow. We offer limits between $5000 and $500k. So let Cape cover cashflow so you can focus on your business.
Apply now - it only takes 2 minutes and it won't affect your credit score.
Higher credit limits allow for more breathing room if your business encounters unexpected costs. Cape credit limits can be up to x3 greater than CBA, NAB and AMEX with limits up to $500k.
Most banks charge up to $300 per cardholder per year. Cape cards are free. Issue credit cards to your employees online or on the app.
Manage how much or where employees can spend in real time. Automate expense management with our built in receipt capture and accounting integrations.
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
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
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.
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.
Business owners and finance leaders love Cape.
Apply now
Unlike Jensen, you don't need to spend money to save money.
Cape delivers travel rewards and exclusive discounts upfront.
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.
Traditional business charge cards often do credit checks on your employees. At Cape, we approve your business, no credit checks on employees* required!
* Company directors are subject to credit checks
There's a pricing plan to suit every business size.
Save 20% with annual billing. Prices exclusive of GST
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.
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.
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.
The key benefits of a Cape card are:
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.
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:
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.
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.
