HSF
Business
Mastercard®
2.1%
Cash Back
3.1%
Cash Back
$1,250
Value
$0
Trusted by 1000+ contractors
How we stack up against
your current card
Mastercard
2.1% back on every purchase with autopay1
$1,2502
$0 annual fee
$0 employee card fee
Up to $5,000,0003
Redeem as statement credits, or physical checks
1.5% back on all purchases
$300 after you make $3,000 of purchases within 90 days
$0 annual fee
$0 employee card fee
Either low starting limits or they require a higher deposit as collateral
Statement credit, direct deposit, check, and Merrill investment account
Spark 2% Cash
2% back on every purchase.
$1,000 when you spend $10,000 within 3 months.
$150 (or $95) Annual Fee
$0 Employee Card Fee
No preset spend limit (shadow limit) or low initial limits.
Redeem as statement credits, physical checks, gift cards, or Capital One travel.
Business Unlimited
1.5% back on every purchase.
$750 when you spend
$6,000 in 3 months.
$0 Annual Fee
$0 Employee Card Fee
Either low starting limits or a lengthy documentation process to get a higher line ($100,000 or more).
Chase Ultimate Rewards portal, gift cards, and statement credits.
2x (valued at 1.2% cash back) on all purchases.
185,000 points (valued at $1,110) if you make $6,000 of purchases within the first 6 months.
$650 Annual Fee
No Employee Card Offering
Either low starting limits or a lengthy documentation process to get a higher line.
AmEx travel portal, hotel stays at Marriott, statement credits, gift cards, and partner airlines and hotels.
1.5% back on all purchases.
$300 after you make $3,000 of purchases within 90 days.
$0 Annual Fee
$0 Employee Card Fee
Either low starting limits or they require a higher deposit as collateral
Statement credit, direct deposit, check, and Merrill investment account.
Let our technology
drive your growth
Make the SwitchQuickBooks Online + desktop integration
Every time you swipe your card, transactions sync automatically to QuickBooks—saving your bookkeepers valuable time.
Spend controls
Cap spend by day, month, or transaction. Lock cards to categories like fuel, restrict which days and hours they work, and set them to auto-close—full control over every card in the field.
SMS receipt capture
Simplify your bookkeeping instantly. Snap and text a receipt, and we’ll match it to your transactions—saving time and money.
Unlimited vendor + employee cards
Issue unlimited cards, control permissions on a user and vendor level, and manage spend limits across your team.