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ScaleFactor Visa Charge Card

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Designed to ease the accounting process for small businesses, this charge card integrates with your ScaleFactor accounting software to keep your books accurate and up to date. It offers free physical or digital cards for employees and cash back rewards, for no annual fee. You must be an existing ScaleFactor customer in order to apply.

Our rating
Min. credit level: Eligibility determined by business financials
Annual Fee: $0
Regular APR: Not Applicable - Paid in Full Monthly

ScaleFactor Visa Charge Card

Our rating
Eligibility determined by business financials Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1% cash back on all purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee $0
Foreign Transaction Fee See Terms
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
ScaleFactor Visa Charge Card


  • Charge card — balance must be paid in full monthly
  • 1% cash back on all purchases
  • Set spending limits on employee cards
  • Employees can upload expenses and receipts from mobile
  • Easily issue physical, digital, or temporary employee cards
  • Ability to freeze and cancel cards with the touch of a button
  • No annual fee


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The ScaleFactor Visa card is a charge card that offers small businesses a solution to easily manage bookkeeping and simplify employee spending.

This card operates in tandem with ScaleFactor — bookkeeping software that connects to your QuickBooks accounts to help you more effectively manage your business financials.

You can assign one card to one employee, or have a team of employees share a digital card, or designate certain cards with certain spending limits for specific merchants. Or you can do it all, while customizing spending limits, freezing cards, and verifying transactions with the push of a button.

Because the ScaleFactor software is integrated with your card, you have complete visibility and control from your account.

You’ll earn 1% cash back for all purchases, and that goes for each employee card too. Rewards are all tied to the account owner.

The ScaleFactor card is a part of the ScaleFactor online bookkeeping software, and in order to apply for the card you must also be an existing customer. You’ll be able to apply after you connect your bank accounts and accounting file to ScaleFactor.

There is no annual fee and no fee for additional employee cards.

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