business credit cards without compromise

A business credit card that’s unique to your needs. $5k to $500k in credit, with no FX fees and no need to risk your assets. Get a decision in as little as 2 hours.
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The money you need, when you need it

Cape offers a business credit card that grows with you. Based on our risk assessment and your financials, you can get between $5,000 and $500,000 AUD credit per month with your Cape card.

Improve cash flow

Don't let lumpy cash flow and slow-moving invoice payments slow you down. Get the cash flow you need to operate and grow with Cape.

Enable your team

Issue cards to your whole team, set spend controls, create budgets, freeze accounts when you need to, and get peace of mind that people can do their job without being held back.

Get visibility

Give employees their own cards, customise the way they can spend, set limits, and track everything from a simple dashboard.


Major banks charge various fees with confusing names. These fees quickly add up. There are no hidden transaction fees with Cape cards.
frequently asked

What is a business credit card?

A business credit card provides you access to short-term finance to make purchases, maintain cash flow, offset slow invoice payments, and extend your runway. Business credit cards typically come with an interest-free period, which means you won't incur any interest charges if you pay it back within that timeframe. 

Cape's card solution, however, is known as a business charge card. You must pay back all charges on a Cape card within 30 days. There are no interest charges and no transaction fees.

Can I get a credit card with an ABN?

Yes, you can get a business credit card with an ABN. Business credit cards are for business-related purchases, such as software subscriptions, stock, travel, or office supplies. Each card issuer has different criteria alongside an ABN to determine your capacity to have a credit card. For example, Cape only issues cards to ABN holders with a Pty Ltd business setup and annual revenue of over $75,000.

Do business credit cards have credit limits?

Yes, business credit cards have limits. While some card issuers don't advertise max credit limits, they all determine a business' credit limit based on their credit score and company financial performance. Some factors that will help you secure a larger credit limit include the consistency of your revenue, how much other debt you have, and your business's credit rating. Cape provides limits of up to $500,000, which you can assign to your team by issuing multiple cards and tracking in our spend management software.

Can I get a credit card if I am self-employed?

Yes, self-employed people can get a business credit card. However, some lenders are hesitant to offer credit to self-employed individuals due to the perceived risk factors of defaulting on payments. The best way to apply for credit as a self-employed person is to set up your business as a Pty Ltd company, maintain consistent revenue and strong accounting records, and reduce the amount of other debt your business holds.

How long does it take to get a business credit card?

The time it takes to get a business credit card will depend on whether you provide the card issuer with all the required financial information. In some cases, it only takes a couple of hours; however, most Cape customers are approved within 1 to 2 business days.

How high do business credit cards go?

Every card issuer is different, but the limit on your credit card will always relate to the business financials you provide. Cape’s business credit cards come with limits of up to $500,000.

Do business credit cards have to be paid in full?

You can carry a business credit card debt from month to month as long as you pay the minimum repayments according to your agreement with the issuer. On the other hand, Cape's business charge cards require full payment within 30 days of transacting.

How do you determine a business credit limit?

Business credit limits are determined by an analysis of a company's financial statements - such as their recurring monthly revenue over a period of time - combined with credit ratings, director history, current assets, money in the bank, and numerous other case-specific factors.

What is a normal business credit limit?

It’s hard to put a number on what is considered a ‘normal’ business credit limit, but they range from $1,000 to $500,000+ depending on the financial situation of a business. Most small-to-medium businesses maintain a credit limit of somewhere between $5,000 to $50,000.

How many business credit cards can you apply for at once?

There is no limit to how many business credit cards you apply for. However, each application you submit is available on record for future providers. The more applications you have, the higher risk there is for a card issuer to offer you one of their credit products. Each new credit card you have also increases the total debt in your business, which will reduce your borrowing capacity and potential credit limit with another provider.

Can you get a business credit card with no revenue?

It's unusual for credit card providers to issue credit to new businesses that don't have revenue. Typically, they require 12 months of financial statements before you can access a business credit card. However, if you have documentation of funding from investors, you may still be able to get a business credit card. This is something Cape can help out with.

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) and Codat (for accounting records) to sync your financial statements securely with our underwriting system. Alternatively, you can upload PDF statements to our review platform for manual verification.

What is an unsecured business credit card?

An unsecured business credit card is the most common type of card you can get. It doesn't require security in the form of a deposit, personal assets, or other collateral to be approved.