The #1 card made for modern businesses
No personal guarantee. No credit check. No generic limit that never moves. Incard Flex offers a revolving credit line, cashback on everything, and a limit that grows as your business grows. Apply in minutes, start spending immediately.
Limits that scale
Grows with your Incard balance
42 days at 0%
Interest-free float on every purchase
Auto-pay built in
Set it, forget it
No personal guarantee
Your personal credit stays untouched
Apply in minutes
No credit check
Up to 3% cashback
Real money back on every transaction
Earn cashback where modern
businesses actually spend
High cashback on multi-currency spending for advertising, SaaS, cloud infrastructure, travel, and more. No annual cap.
Earn cashback on Meta, Google, TikTok, LinkedIn, and every other ad platform.
Every subscription you rely on to run your business becomes a source of cashback.
Flights, hotels, and transport. Business travel that earns while you go.
Uber, Bolt, trains, and more. Maximise your return on every journey.
Earn cashback on everything that supports your entrepreneurial lifestyle.
Every other transaction earns cashback too. No spend goes unrewarded.
More spending power,
zero personal risk
A revolving credit line that scales with your business : no credit check, no personal guarantee, up to 3% cashback on everything.
0% interest for 42 days
Every purchase gives you up to 42 days before payment is due—six weeks of 0% float.
- 42-day interest-free window on all spending
- Effectively 0% financing on every purchase
- Use your cash when you need it, not when the bank says
Grow your credit limit as your business revenue grows
Your capital limit scales automatically with your Incard balance and activity. No reapplication. No calls.
- Initial limit set in minutes when you apply
- Increases automatically as your balance grows
- No generic caps: your limit reflects your business
Ask for capital, simple application, no personal guarantee
Keep your business credit a business matter, your personal credit is never checked, reported, or at risk.
- Zero impact on your personal credit score
- No personal credit check to apply
- Your personal assets are never on the hook
Real businesses.
Real cashback.
Real money back.
“The team is incredibly responsive, and they've taken the time to understand our operations inside out. On top of that, the cashback is the best I've ever received on any card, full stop.”
in One year
across platforms
Frequently
asked questions
Don’t see the answer you are looking for? Get in touch.
No. Zero personal guarantee. Your personal credit is never checked, reported, or at risk.
42 days from purchase. Pay in full by the due date and you pay zero interest.
Based on your Incard balance and activity. It’s tailored to your business and increases automatically as you grow.
Auto-pay settles your balance on the due date from your chosen Incard account. Pay early, anytime, with no penalties.
Yes. Up to 3% on ads, 3.5% on rideshare, 2% on SaaS and travel, 1% on everything else. No annual cap. The more you use your card, the more trophies you will unlock and you can improve your cashback rate.
No. There is no annual fee.
EUR, GBP, and USD. Multi-currency built in.
The Incard Travel app (coming soon) will let you redeem rewards towards flights, hotels, and experiences. Your Flex Card spend earns towards these rewards alongside your cashback.
Apply from your dashboard in under 5 minutes. Get your limit, issue a virtual card, start spending.
What would you do with more time and money?
$20M+ earned and thousands of hours saved across 1,500+ modern businesses.
