The Relay Visa® Credit Card is a business charge card for U.S.-incorporated small businesses, with a 30-day billing cycle, up to 1.5% cash back, and per-card spending controls.
Who is the Relay Visa® Credit Card for?
The card is designed for U.S.-incorporated small businesses that want short-term working capital, per-employee spending controls, and business credit history reported to commercial bureaus.
Good fits include:
LLCs, partnerships, and corporations (sole proprietorships are not eligible)
Businesses generating at least $20,000 in monthly revenue
Owners who want to build business credit reported to commercial credit bureaus
Teams that need multiple cards with vendor and category controls
How does the Relay Visa® Credit Card work?
The card operates on a 30-day billing cycle. You spend during the cycle, the full balance is due at the end, and payment is pulled automatically from a designated Relay account.
The billing cycle is 30 days, with the full balance due at cycle end
Balances do not carry between cycles; the card is a charge card with a monthly full-payment structure
You can designate a primary payment account and a backup, both from your Relay accounts
You earn up to 1.5% cash back on eligible spend, deposited into your Relay checking account monthly*
You can issue up to five cards per cardholder, each with its own transaction limits
What are the eligibility requirements?
To qualify, your business must be U.S.-incorporated as an LLC, partnership, or corporation, and meet one of two revenue thresholds.
Option 1: $50,000 or more in monthly revenue (3-month average) with at least 12 months of operating history
Option 2: $20,000 or more in monthly revenue, at least 6 months of operating history, and a minimum $25,000 balance held with Relay
Sole proprietorships are not eligible.
What benefits does the card offer?
The Relay Visa® Credit Card gives you short-term working capital, spend visibility across your team, and business credit history reported to commercial bureaus.
Cash flow management through delayed payment on the 30-day cycle
Team spending controls with per-card transaction limits and vendor or category restrictions
Fraud protection on all card transactions
Business credit building through reporting to commercial credit bureaus
Cash back rewards of up to 1.5% on eligible spend, deposited monthly into your Relay checking account*
What is included and what is not?
The card includes physical and virtual cards, cash back rewards, and business credit reporting through Hansa. It does not offer a revolving line of credit or personal-credit-based approval.
Included:
Physical cards shipped by mail
Virtual cards available for online purchases without waiting for the physical card
Up to five cards per cardholder
Vendor and category controls on every card
Cash back rewards (rate varies by subscription plan)*
Business credit reporting through Hansa, Relay's credit reporting partner
Not included:
Balance carry-over from one billing cycle to the next
Personal credit pulls at application
Approval for sole proprietorships or non-U.S.-incorporated businesses
How do I apply for the Relay Visa® Credit Card?
Apply from your Relay account by confirming your business details, connecting any required external bank account, setting up your auto-payment accounts, and confirming the shipping address for your physical card.
Log in to your Relay account and start the credit card application
Confirm your business name, address, industry, and ownership details
Connect an external bank account if your Relay history is under 90 days
Set up your primary and backup payment accounts
Confirm the shipping address for your physical card
The application itself does not trigger a personal credit pull. Ongoing card usage is reported to business credit bureaus.
How is the credit account managed?
You manage the credit account from your Relay dashboard, where you can track transactions, monitor cash back earned, download statements, and view your business credit report through Hansa.
Track every transaction across every card
Monitor cash back accrued per billing cycle
Download credit account statements for accounting or bookkeeping
View your business credit report through Hansa, Relay's credit reporting partner
Adjust primary and backup payment accounts at any time
Frequently asked questions
Can I carry a balance on the Relay Visa® Credit Card from one month to the next?
No. The card is a charge card with a 30-day billing cycle. The full balance is due at the end of every cycle and cannot be carried forward.
Does applying for the Relay Visa® Credit Card affect my personal credit score?
No. The application does not trigger a personal credit pull. Ongoing card usage is reported to commercial (business) credit bureaus, not consumer credit bureaus.
How much cash back does the Relay Visa® Credit Card earn?
Cardholders earn up to 1.5% cash back on eligible spend, depending on the Relay subscription plan.* Cash back is deposited into your Relay checking account within 30 days of the end of the billing cycle.
What happens if a payment fails at the end of a billing cycle?
A 3% late fee applies after a 5-day grace period. Auto-payment attempts pull from your designated primary account first, then from the backup account.
How many Relay Visa® Credit Cards can I issue to my team?
You can issue up to five cards per cardholder. Each card can carry its own transaction limits, vendor restrictions, and category restrictions.
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