Reap Card: Your business credit card for everything

Reap Card

Upgrade the way you run your business

Focus on growth, not trivial tasks

Smart access to credit for growth opportunities

Get pre-approved credit to run your business at lower operation costs and with higher revenue.

Transparent and intelligent spend reports

Automatically categorise every expense and generate a spend report every month.

Issue unlimited virtual credit cards

Issue as many virtual business credit cards for free to you and your colleagues to pay for and track different expense types.

Empower your team to pay

Delegate the power of making a payment to your team so now you can focus on what really matters.

More functions than a business credit card

Payments, collections, spend management - all in one
Built-in virtual business card function
Use Reap Card on Reap Pay to purchase from anyone
Integration with Xero

Operate at your potential, not your size

More flexible credit limit than other business credit cards

Access enterprise-like resources to manage your finances

Online application with fast approvals

Get your Reap Card — business credit card+ — today!

Other business credit cards

Reap Card

ApplicationOnline + offlineFully online
Credit limitLimitedFlexible
Auto categorisation
Spend limit for each card
Unlimited virtual credit cards
Spend reports

All-year-round offers

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 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.

All-in-one financial kit


Manage expenses seamlessly

Reap Pay

Replace any cash payments

Reap Collect

Collect payments anytime, anywhere

Reap Invoice

Design, issue and track all invoices

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.”

Eric Fung

Founder of Flavour of Life

“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.”

Charles Oh

Co-founder of Booqed

“With simple and convenient experience REAP enables our company to eliminate cashflow gaps to support our business rapid growth.”

Roman Podkorytov

Co-founder of BOXS Limited

“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.”

Josh Hawes

Founder of Oenotrus LTD

Frequently asked questions

Who can apply for Reap Card?

All business owners who'd like a business credit card.

Can I issue cards to my colleagues?

Does Reap Card have annual fees?

Change the way you run your business today.