Expensify Card Cash Back and Subscription Savings
Expensify Card: Cash Back and Subscription Savings
The Expensify Card helps you save money in two ways: by earning cash back on every purchase and by unlocking lower subscription pricing on the Control Plan. Here’s how it works.
How Expensify Card cash back works
The Expensify Card earns cash back on all US purchases automatically. No categories to track, no quarterly activations required.
Cash back rates
| Monthly Card Spend (across all cards) | Cash Back Rate |
|---|---|
| Any amount | 1% on all US purchases |
| $250,000+/month | 2% on all US purchases |
Examples:
- Your team spends $50,000/month across all Expensify Cards → earn 1% = $500/month in cash back
- Your team spends $300,000/month across all Expensify Cards → earn 2% = $6,000/month in cash back
Cash back is calculated on your total settled US spending across all Expensify Cards in your organization each month.
Cash back automatically reduces your subscription cost
Your cash back earnings are automatically applied to your subscription bill each month, reducing what you owe.
How it’s applied
- Your team makes purchases on Expensify Cards throughout the month
- Expensify calculates your cash back earnings (1% or 2%)
- Cash back is applied as a credit to your next subscription bill
- You pay the reduced amount
Example:
- Your Control Plan subscription costs $500/month (based on active members)
- Your team earns $200 in cash back this month
- Your net bill is $500 - $200 = $300
In many cases, Expensify Card cash back can fully offset your subscription cost, making Expensify effectively free.
Expensify Card unlocks lowest Control Plan pricing
For Control Plan customers, using the Expensify Card unlocks the lowest pricing tier: $9 per active member/month (USD only).
Pricing with and without Expensify Card
| Subscription Type | Expensify Card Required? | USD Price/Member |
|---|---|---|
| Annual + Card | Yes (50%+ US spend) | $9 |
| Annual Only | No | $18 |
| Pay-Per-Use | No | $36 |
To qualify for $9/member pricing:
- Must be on an Annual Subscription
- Must use the Expensify Card for 50% or more of your total settled US spending each month
The 50% card spend requirement explained
To maintain $9/member pricing on the Control Plan, your Expensify Card spending must equal at least 50% of your total US business spending.
How it’s calculated
Expensify Card spend ÷ Total US business spend ≥ 50%
Total US business spend includes:
- Expensify Card purchases
- All other company card purchases (Amex, Visa, Mastercard, etc.)
- Reimbursed out-of-pocket expenses
- Any other business expenses processed through Expensify
Example: Qualifying for $9/member pricing
Your company’s monthly spending:
- Expensify Card: $60,000
- Other company cards: $30,000
- Reimbursements: $10,000
- Total US spend: $100,000
Calculation: $60,000 ÷ $100,000 = 60% → Qualifies for $9/member ✔
Example: Not qualifying for $9/member pricing
Your company’s monthly spending:
- Expensify Card: $30,000
- Other company cards: $60,000
- Reimbursements: $10,000
- Total US spend: $100,000
Calculation: $30,000 ÷ $100,000 = 30% → Does not qualify ✘
You’ll be billed at $18/member for that month (but still earn cash back on the $30,000)
Collect Plan: Cash back with no spend requirement
On the Collect Plan, you can use the Expensify Card and earn 1% cash back with no minimum spend requirement.
- Collect Plan pricing is always $5 per unique member/month, regardless of card usage
- Cash back still applies to your subscription bill automatically
- No need to track the 50% threshold
Expensify Card eligibility
To use the Expensify Card, you need:
- A US business bank account
- An active Expensify workspace (Collect or Control Plan)
The Expensify Card is currently available only to US-based businesses.
FAQ
How much cash back does the Expensify Card earn?
1% on all US purchases, or 2% if you spend $250,000+/month across all cards in your organization.
Is cash back applied automatically to my subscription?
Yes. Cash back is automatically credited to your subscription bill each month, reducing what you owe.
Can Expensify Card cash back make my subscription free?
Yes! If your cash back earnings equal or exceed your subscription cost, your net bill can be $0.
What’s the 50% card spend requirement?
To qualify for $9/member pricing on the Control Plan (annual subscription), you must use the Expensify Card for at least 50% of your total US business spending each month.
What happens if I don’t meet the 50% threshold?
You’ll be billed at the $18/member rate for that month. You’ll still earn cash back on your Expensify Card spending.
Does the Collect Plan have a 50% card spend requirement?
No. Collect Plan pricing is always $5/member, regardless of card usage. Cash back is still automatically applied to your bill.
Do I need the Expensify Card to use Expensify?
No, the Expensify Card is optional on both Collect and Control Plans. However, it helps you save money through cash back and unlocks the lowest Control Plan pricing.
What counts toward the 50% calculation?
All settled US spending in your workspace: Expensify Card purchases, other company card purchases, and reimbursed out-of-pocket expenses.
Is the $9/member pricing available outside the US?
Currently, the $9/member tier with Expensify Card discount is only available for USD billing. Other currencies have different pricing tiers. See Control Plan: Features and Pricing.
