TakeCharge

The Credit card4 that puts you in charge

Take control with the Relay Visa® Credit Card⁴. Stop the cash flow crunch, and keep team expenses in check by putting a spend policy on every employee card. Available to Relay customers by invitation only.

• 1.5% cash back*

Earn up to 1.5% cash back on every purchase.

• 30 day billing cycle

Monthly cycle for smarter spending.

• $0 annual fees

Spend without tying up your cash flow.

Walk the tightrope with confidence

You just ran payroll, utility bills are due and you’re chasing a customer for a late payment. With the Relay Visa® Credit Card in your corner, you can spend through the toughest days and keep shortfalls at bay.

Meticulously organize all spending

Categorize expenses—from the start—with a customized credit card for every employee, spend category, project and vendor.

All money moves in one place

Get complete cash flow clarity by bringing together credit, checking and savings into one platform. You’ll have one central system to instantly see how all your money works. Then you can stay ready, save faster, and make smarter decisions.

A credit card⁴ for every employee

No more expense reports or messy reimbursements. Empower employees with their own credit cards. Plus, track spending and freeze cards in seconds.

Stay in charge of every card

Set a spend policy for every employee card. Use approved vendors and categories—and daily or monthly spend limits—to guarantee your money is always spent wisely.

Track everything now, chase nothing later

Get ultra-detailed data for every purchase made by an employee. Stay on top of every dollar and make month-end bookkeeping super speedy.

Plus, Relay makes sure employees add a receipt to every expense.

Learn more about Relay’s expense management tools here

Customize cards with purpose

Choose from 30+ unique designs by pairing colors with spend category illustrations. Always find the right card at checkout or when managing your team spending.

Loving my transition to Relay after years with traditional banks.

Everything is so streamlined and easy. Finally, easy access to funds, wires, transfers, virtual cards for employees, and no ridiculous fees.

Gina

Small Business Owner

Banking with Relay

Keeping your business on the money

Relay’s online business banking platform puts you in control of your cash flow. See all the ins and outs without any blind spots or doubts.

• Banking without hidden fees that tie up cash flow

• 20 everyday checking accounts to organize cash and expenses

• Automated savings that earn up to 2.68% APY¹ on idle cash

• All the payment types you need—ACH, wire and check

• Safe, productive collaboration with team members and advisors

• Personalized customer support when you need it

Being a boss is hard. Give yourself some credit.

You’ve got questions, we have the answers.

More details can be found in our Support Center.

How do I apply for a Relay Visa® Credit Card⁴?

The Relay Visa® Credit Card⁴ is exclusively available to customers by invitation only. Customers will be invited to check their eligibility by email and in-app notification. Eligible businesses will receive an email notification and be prompted to apply for the card within their Relay accounts.

Who is eligible for a Relay Visa® Credit Card⁴?

We determine eligibility using a variety of factors, but you'll at least need to meet our minimum qualifications to be considered:

Standard eligibility:

• U.S.-incorporated and operated
• LLC, partnership or corporation (not a sole proprietorship)
• Established at least 1 year before the time of credit card⁴ application
• Earn at least $50,000 in monthly revenue

Cash-based eligibility:

• U.S.-incorporated and operated
• LLC, partnership, or corporation (not a sole proprietorship)
• Established at least 6 months before the time of credit card⁴ application
• Earn at least $20,000 in monthly revenue
• Maintain a minimum balance of $25,000 in Relay

Does applying for the Relay Visa® Credit Card⁴ impact my personal or business credit score?

Applying for the Relay Visa® Credit Card⁴ will not impact your personal or business credit score. We will not check your personal or business credit score during the application process or report adverse events (like denied applications) to credit bureaus.

How do I earn cash back?*

Simply start spending on your Relay Visa® Credit Card⁴! Your cash back rate is determined by your monthly plan — visit our pricing page to learn more.

How do I pay off the balance on my Relay Visa® Credit Card⁴?

The Relay Visa® Credit Card⁴ is a charge card. This means that you must pay off your full balance at the end of every 30-day billing cycle. Payment—in the amount of your full credit card⁴ balance—will be automatically deducted from your checking account of choice the day after your 30-day billing cycle ends. You can also pay off all or a portion of your balance at any time during the 30-day billing cycle.

What will my credit limit be?

Your credit limit will be determined, and provided to you, once your credit card⁴ application is submitted and approved.

Does the Relay Visa® Credit Card⁴ have any fees?

The Relay Visa® Credit Card⁴ does not have any annual fees, but Relay does charge a late fee for balances that are not fully paid at the end of every 30-day billing cycle. The late fee is 3% of the unpaid balance, applied once a month until the balance is fully repaid.

How many Relay Visa® Credit Cards⁴ can I issue for my business?

Issue as many credit cards⁴ as you need—both physical and virtual.

How do I customize my cards?

As you create a new virtual credit card⁴, virtual debit or physical debit³, you'll be prompted to choose from available colors and patterns.

Can I customize physical credit cards⁴?

Physical credit card⁴ customization is coming soon. Currently, you can customize new virtual credit cards⁴, as well as physical and virtual debit cards³.

Can I customize an existing or old card?

No. Customization is exclusively offered for newly created virtual credit cards⁴, and new virtual and physical debit cards³. Existing cards cannot be customized.

Do custom card designs appear in Apple Wallet or Google Wallet?

No. Your customized card designs are exclusively visible within the Relay mobile app. When cards are added to Apple Wallet, the card will display with Relay's standard branding.

Time to take charge

Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.