Expensify Card
By Alex Compton · Last verified
The expense-report company's card: 1% everywhere, 2% if you spend a quarter million a month.
Welcome Bonus
None
No public welcome offer; 1% cash back, 2% above $250,000 monthly spend, and no foreign transaction fees confirmed
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
Business
financials, no personal guarantee
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo public welcome offer; 1% cash back, 2% above $250,000 monthly spend, and no foreign transaction fees confirmed | Expensify Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo public welcome offer | Archive record · no attached snapshot |
| 2025-06 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
1% cash back, 2% at $250k+ monthly spend, no FX fees, no PG, up to 50% subscription discount
Expensify Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1xAll US purchases
- 2xAll US purchases when company spend is $250,000+ per month
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Receipts capture and reconcile themselves inside Expensify automatically
- ✦Using the card cuts your Expensify subscription price by up to half
- ✦Realtime compliance alerts on every swipe
Why it earns its spot
- +The tightest card-to-expense-report integration available
- +Card usage directly discounts the software bill
Where it costs you
- −1% base rate is the weakest in the category
- −The 2% tier requires $250,000 in monthly spend, out of reach for most
- −Cash back applies to US merchant purchases only
The Compound Verdict
Worth it only if your team already runs on Expensify, where the subscription discounts plus automatic receipt matching outweigh the thin 1% rate. Any company choosing on rewards alone gets 50% more at Ramp or Mercury. The card is a retention tool for the software, and judged that way it does its job.
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