Reap Card One business credit card to digitally
The new standard for business credit cards
A multifunctional business credit card
The Reap Card is the next generation of business credit card with an online expense management tool. Access from anywhere, any device.
Built on the Visa network
The Reap Card is part of the Visa network, which means you instantly get access to all of the security, convenience and access where Visa operates.
Available in both physical and virtual cards
You can use your virtual card right after card approval or experience the feeling of our exclusive metal card in your hands.
Expense card? Purchase card? Use it however you want
Doesn't matter if the expense is small, like a coffee, or big, like your entire month's supplies, you can use the Reap Card to pay for any purchases and expenses.
Other business credit cards
|Application||Fully online||In-person visits|
|Requirements||Connect online banking||Security deposits & collateral needed|
|Employee credit card issuance||Instant & self-service||Long application and lead time|
|Annual fees||$0 per card||$1000+ per card|
Save time & money with our expense management tools
Real-time expense analysis
Find your expense trends and insights with a glance.
Automatic spend categories
Understand how your company spends and allocate your budget more effectively.
Integration with software
We can accommodate your favourite accounting software by requests.
More functions than a regular business credit card
Get an optimal flexible amount of credit to run your business
Earn cash rebates from most of your expenses
Simplify the process for claiming and reconciliation with employee cards
Using NFC technology, instantly share your business contact information with a tap using Reap card
All-Year-Round Offers for the Reap Card members
Enjoy 50% discount on 1-month dedicated desk membership + 3-day trial program, up to 30% off new members, WeWork credits & 1 month free hot desk membership at WeWork.
Get 100% cashback (Google Ad Credits + Social Beat Fees Credit) on up to the first HKD 100 of Ad Spend on Google.
Get up to 21% off on G Suite monthly subscription.
Get HKD 1,250 free service promo along with 3 month Free Subscription to all Shop.
Enjoy a HKD 2,000 introductory package for promotion at hktdc.com Sourcing when you pay with your Reap Card.
Enjoy a 33% off on all products of GoDaddy when you pay with your Reap Card.
Get 10% off on Co-Working and Meeting Rooms at Spaces with your Reap Card.
Save 10% on Office 365 Business Standard packages, only with your Reap Card.
Pay with Reap Card at foodpanda to enjoy HKD 50 off.
Get 50% Off at over 90 designated shops or HKD 450 Vouchers at New Town Plaza with your Reap Card.
Get 10% off on Meeting Rooms, Business Lounge, Co-working, Virtual Office at Regus only with your Reap Card.
Get 6 months free on annual subscription on Sage Business Cloud Accounting, only with your Reap Card.
Your financial butler is ready anytime
Hear from our customers
“Our business has taken us to trade shows in Canada and the States. Reap has made this easy with cross-border payments, so that we can close deals in time. And the best thing is, all I need is a credit card.”
“The ability to leverage the credit card for payments traditionally unable to process via credit card is helpful… Crucial benefit that any startup or SME can definitely take advantage of.”
“With simple and convenient experience REAP enables our company to eliminate cashflow gaps to support our business rapid growth.”
“Our company has been with Reap since 2019, and the ability to manage our cashflow using credit card transactions has proven invaluable ever since – allowing us to broaden our supply base and reduce the time spent on payment processing.”
Frequently asked questions
Who can apply for Reap Card?
All business owners who'd need a business credit card. If you are CFO, VPs of Finance, Controllers, Accounting Managers, Budget Owners, or employees, you are also welcome to apply for your company.
Can I issue employee cards to my colleagues?
Does the Reap Card have annual fees?
Does the Reap Card have a late charge?
What is the process for application?
Does the Reap Card require a personal guarantee?
Do I need to set up a bank account first?
Can I apply online?
Why do I need a virtual credit card?
What is NFC technology? Why can it share my business contact?