Adaptive cards makes it easy to track spend, issue cards(1) to employees, and close your books quickly.

Instantly issue cards to your team members, with simple yet powerful spending rules. The card your entire team will love using.

Collect receipts and memos automatically and sync all spend to Quickbooks effortlessly. Close your books faster than before.

Monitor your business spend with intuitive dashboards, and access granular transaction reports when you need to dig deeper. Get full visibility into every dollar you're spending.

Adaptive Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or Adaptive Balance. If your account cannot be successfully debited on the payment due date, your card may be locked and you won't be able to make new purchases until your balance has been repaid. Late fees may apply.

No, Adaptive Card does not have an APR or interest rate so long as your outstanding balance is paid in full each month.

No, Adaptive Card does not perform a credit check on you or your business and will not impact your credit score in any way.

Your Adaptive Card credit limit is based on your business financials. To receive a credit limit that is best suited for your business, it's recommended to connect all business bank accounts.

The application process typically takes less than 3 minutes, all that's needed is some information on you and your business in addition to connecting your business bank accounts. Once you complete your application, a decision is typically made in real time but can occasionally take up to 2 business days if further information is required.

Once approved, your account will be immediately available for use. Your physical card will be mailed to you and will typically arrive within 5 business days from the date it's created. While you wait, you will have access to a virtual Adaptive Card that can be used immediately for online purchases and be added to your mobile wallet.

Yes, you can issue unlimited cards at no cost to your business so that each member of your team can have their own dedicated card.

Yes, Adaptive Card has custom spend controls that allow you to confidently manage your team spend by limiting cards usage to certain categories like fuel pumps or hardware or by setting a specific card budget to limit the total spend a card can incur.

You can manage your card in your Adaptive Card dashboard, which will provide you with the ability to change your card settings, pay off your balance, have detailed insights into your card spend, and much more.

Footnotes

(1) Adaptive partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for Adaptive Card. Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Depending on your location, credit is provided by either CapitalOS, Inc, CapitalOS Financial Services LLC, or First Internet Bank of Indiana, and the credit program is managed by CapitalOS.

(2) Adaptive Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or Adaptive Balance. If your account cannot be successfully debited on the payment due date, your card may be locked and you won't be able to make new purchases until your balance has been repaid. Late fees may apply. Cashback is applied as a statement credit. The cashback program is administered by CapitalOS and not by First Internet Bank of Indiana. Cashback program terms are subject to change.

(3) Your business performance is used and periodically reviewed to assess qualification for initial credit and future credit increases. If eligible, you will have the option to accept any future increases.