Looking for a startup business credit card? Soldo is the smarter choice.

Soldo’s startup business credit cards alternative can help you scale your business. Gain control and visibility over company expenses and reporting.

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business credit card alternative
business credit card alternative

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Cards that work with any
Business Bank Account

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Regulated by the
Financial Conduct Authority

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Company Cards that integrate
with your Accounting Software

Join Thousands of  Companies That Trust Europe’s Leading Business Credit Card alternative

Soldo customers and brands trust the prepaid card solution better than a business credit card
Soldo customers and brands trust the prepaid card solution better than a business credit card

Streamline your spending today!

Soldo is trusted by businesses of all sizes – from startups to SMEs to enterprises. You can get going with Soldo in as little as one working day – applying takes minutes with no credit check.

Manage spending on company cards

Empower employees to spend responsibly; define budgets and track spending in real time, from anywhere.

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Automate your expense admin

Stream transactions, receipts, and other data right into your accounting software through smart integrations.

automatiza gestion de gastos

Effortless bookkeeping

Track in real time on desktop and mobile; flow data into accounting systems automatically.

Soldo prepaid card spend review from the mobile expense app

What are startup business cards and how can they help expenses?

For expense management, some companies use one company card for centralised spending. Other businesses give them to senior staff members that they trust to spend responsibly. In recent years, the rise of prepaid business cards has enabled thousands of businesses to share the benefits of company cards with every employee.

Related reading: Learn why Soldo cards are better than a business credit card.

Cash isn’t king when it comes to business spending. Using cash means either asking staff to pay for expenses themselves – then reimbursing them weeks later – or handing out advances. Both are inefficient approaches to expense management, they act as a drag on morale and productivity. That’s why more and more businesses are using prepaid company cards instead.

Soldo prepaid card spend review from the mobile expense app

Can your startup business credit card keep up?

Shared corporate cards can lead to overspending and reduced accountability. It’s easy to hit transaction limits during critical spending periods. And the 30-day wait for statements (compounded by late expense reports) means cash flow is never truly up to date.

But there’s a smarter way. Soldo integrates prepaid Mastercard® corporate cards with intuitive admin tools in our expense management software for real-time visibility and control over spending, simplifying expense management.

Soldo prepaid card spend limits view from the mobile expense app
Soldo prepaid card spend limits view from the mobile expense app

Apply online in minutes and start spending in about a working day.

No credit checks. No hidden fees. No fixed contracts. Cancel Anytime.

Complete registration

We need to confirm your identity and address. Upload a few documents and you’ll be done.

Add funds

Load money to your account to order your Soldo card. Receive it in 2 working days.

Start spending

Shop online or instore safely with your contactless card.

All Soldo plans include

Soldo Mastercard® cards

Get as many cards as you need for employees and departments. Our contactless cards are accepted by millions of merchants worldwide.

Web-Konsole und mobile App

Web console and mobile app

See spending in real time on the web console. View balances, capture receipts and manage cards on the employee app.

Accounting integration

Export transaction data to every major accounting software, in two clicks. Connect expenses to Xero and QuickBooks.

Kostenlose und unbegrenzte Transaktionen

Free & unlimited transactions

Soldo Mastercard® cards have no fees for domestic transactions and our foreign exchange fee is fixed at just 1%.

No charge for deposits

It’s free to add funds, and money is available to spend instantly. Allocate funds to cards when your team needs it.

Individuelle Unterstützung

Dedicated support

Need a hand? Our friendly customer success team is at your service, providing support whenever you need it.

“Petty cash and reconciling credit cards took a total of 6 days a month. Now it takes me half a day. It’s saving us time! It’s got great flexibility and it makes my life a lot easier”

Sandra Curran
Purchase Ledger Coordinator at Making Space

“Since we started using Soldo, it’s been such a relief not to have to regularly email or phone the banks to ask for our credit card limits to be raised. I love Soldo’s flexibility – it’s so easy to maintain and everything is in real time.”

Dennis Koehler
Head of Payments and Fraud at GetYourGuide

Learn more about startup business credit cards

Discover how to choose the right spend management platform your business. These articles cover everything from cutting costs to streamlining processes.