Your questions, answered.

ExpenseOS is Agentic Travel & Expense Management: every purchase approved before the money moves, people paid in a minute, suppliers paid on time, AI agents within policy, one weekly statement. Tell it to expense a dinner and it handles the receipt and the coding. You spend on your own card, keep every point, and get paid back the moment it’s approved. Travel works the same way: flights, hotels and cars found and checked against your policy before you book.

Every one. Because you pay for work on your own card, the miles, points and cashback are earned by you and stay with you. ExpenseOS never touches them, it just pays you back the money you spent.

Generally no. Rewards earned on your own card work like rebates on your spending, not income, the same as points from any personal purchase. Benefits-card perks are handled separately: commuter runs pre-tax, and anything taxable reports itself to payroll automatically.

About a minute after approval. Every expense is checked twice at submit, your company’s policy plus an AI review, so in-policy spend approves itself on the spot. Anything else lands on your approver’s phone as a one-tap yes (in Slack and Teams soon), not in an inbox for two weeks.

Completely free for you. Your company adopts ExpenseOS as its travel & expense platform; you simply keep using your own card and keep your rewards.

Yes. Your ExpenseOS wallet and cards belong to you, with your own setup, not the company. Spend from it or move the money to your bank anytime. No lockups.

That's fine too. Some spend belongs on the company card, it's drawn from the company vault automatically, with nothing for you to claim back. You choose, expense by expense.

No rip-and-replace. ExpenseOS plugs into the accounting and HR systems your company already runs, QuickBooks, NetSuite, Workday and more, so everything just lines up behind the scenes.

Ask in the chat or open a trip, and ExpenseOS searches flights, hotels and cars. Every result is checked against your company's policy, with the rule named, and hotel caps follow each city's rates this week. You book the one you want on the airline's, hotel's or rental company's own site, on your own card and approved before you spend, so the airline and hotel points stay yours. Anything out of policy goes to your manager first, with the reason.

Yes, if you cover the difference. The in-policy options come first, at today’s live rates. If you want the nicer hotel, the nonstop flight or a bigger rental car instead, book it on your own card: the in-policy part is paid back the minute you book, you cover the rest, and the points on the whole booking are yours. You see both numbers before you spend. Anything out of policy for another reason still goes to your manager first.

No. Linking your card is optional, a receipt is all ExpenseOS needs to approve and pay you back. Your employer only ever sees the expenses you submit, never your card feed or statement.

Barely. Snap a photo, forward the email receipt, or just tell ExpenseOS in the chat, “expense last night’s dinner”, and it codes and files the rest (Slack and Teams soon). A trip approved before you book needs only its confirmation email, forwarded like any receipt.

You'll know at submit, not three weeks later. Policy is checked the moment you file, so if something's out of bounds you can fix it and resubmit in seconds, before you're stuck waiting on money you already spent.

Today, they’re expensed like everything else and reimbursed the minute they’re approved, so you’re never out of pocket for long. Coming soon: a company-funded ExpenseOS card for big-ticket items, so a $4,000 trip never touches your personal credit at all.

Handled for you. Commuter benefits are pre-tax, and anything taxable reports itself to payroll automatically as you spend. No forms, no surprises at tax time.

Yes. Everything is encrypted end to end, funds are held and moved with regulated financial partners, and payments run on established card networks and AWS infrastructure. Your personal data is never sold or shared, not with advertisers, not with your employer.