We designed Cape to give back to businesses, by combining the best bits of a credit card, with the power of a spend management platform. Our charge cards can help you take back control, gain time AND get rewarded with savings.
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Cape. Everything you didn’t know you needed
from a corporate credit card.

Money back in your pocket

We don’t charge any fees for international transactions, saving you money on subscriptions and travel expenses.

Say goodbye to manual processes

Integrate your accounting software, invite your team and manage spending - all from one platform.

And hello to steady cashflow

Get access to a line of credit each month - up to $500k. And you won’t be charged any interest - just pay it back by the due date.

Transparency and visibility

See all company spending from a single dashboard and stop overspending before it happens with built in limits and controls.
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Apply today, decision tomorrow

Applying for Cape charge card is simple.  All you need is 5 minutes, a few simple details and your preferred credit limit (we offer limits between $5000 and $500k). Once we have all the required information, we’ll usually get back to you within 24 hours with a decision.
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Learn how Cape stacks up to a traditional Business Credit Card

A traditional
credit card

A shiny new
Charge Card

How it works

A limit that’s yours to spend in full each month. Pay it back at the end of the month and you won’t accrue any interest.
Receive a credit limit for your business and get charged interest each day that you hold a balance.

Flexible limits up to $500K, that are regularly reviewed to meet your needs.
Smaller limits, often with pre-set minimum or maximum borrowings that aren't tailored to your  needs.

Credit limits

5 minute application, approvals in as little as 2 hours!
Stringent approvals, lengthy applications

Application Process

Absolutely none when you pay on your due date.
Up to 24% p.a

Interest on purchases

Zero, Zilch, Nada. We don't charge fees for international transactions, subject to any caps noted in your pricing plan.
Up to 3% per transaction

FX Fees

Simple and transparent pricing, based on a straightforward monthly, or discounted annual fee.
Complex structures with fees charged on usage, cards, both monthly and annually

Other fees

Additional corporate cards are unlimited, depending on your plan.
Often capped, and with a fee per card.

Additional Cards

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frequently asked

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 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

Do Cape cards have credit limits?

Yes, like a traditional business credit card, a Cape charge card comes with a credit limit. We offers limits up to $500,000.

Can i get a business credit card as a small business?

While all providers are different, Cape cards are available to Small Businesses.

Does Cape offer business rewards?

Cape cards (on our essential and scale plans) come with free access to over 1300 Airport lounges globally, along with discounts on airport dining. We'll soon be offering more rewards like Travel insurance, airline points and cashback.

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.