Running a finance or HR team? People paid in a minute, suppliers paid on time, one weekly statementSee ExpenseOS™ for Finance →Deploying AI agents? Give them a policy and a statementExpenseOS for Agents →
OverviewAgentic travel & expense management
For finance & HR teamsInstant reimbursement, benefits, clean books
For employeesKeep your points · get paid back
For AI agentsA policy and a statement for every agent
ExpensesWalletReportsTravelExpense AgentAboutFAQReferStart free

01Ask

Free in Claude & ChatGPT · Never file an expense report again

Just ask.Expense filed. Paid in a minute.You keep the points.

Tell ExpenseOS to expense the dinner or log the drive at the IRS mileage rate. You spend on your own card, keep every reward, and get paid back the minute it’s approved, straight into a wallet you own.

Start free →Refer your finance team

ExpenseOS AI concierge, here to help

Hi, I’m ExpenseOS. Ask me about your points, how fast you get paid back, or what the catch is. (There isn’t one.)

Try asking
Free for youYour own card100% of your pointsYour company adopts it

02The problem

Either you float the bill,or they keep the points.

Your own card means lending the company money for weeks and filing a report to get it back. The corporate card means the rewards land in their account, and you still file the report. ExpenseOS ends all of it: your card, your points, paid back in 60 seconds, no report.

100%Points stay yoursMiles, points and cashback land with you, on your own card.
$0Out of pocketReimbursement settles to your wallet the moment you spend.
60sTo paid backFrom approved to money in your wallet.

03The payback

Watch a $482.10 dinner pay you back in 60 seconds.

  1. 01
    You pay on your cardThe points are earned, and yours, instantly
  2. 02
    ExpenseOS reads & codes itNo form, no report, no spreadsheet
  3. 03
    Paid back, same minuteOften before you’ve left the counter
Your own card, not theirs····  ····  ····  4412
Dana Kim
ApprovedSona · Chicago$482.10
+1,446 pts → yours
SONAChicago · 9:42 PM
Tasting ×4412.00
Pairing58.00
Service12.10
TOTAL482.10
MerchantSona · Chicago
Amount$482.10
CategoryClient meals · GL 6045
Policy✓ In policy
Reimbursed in 60sYour wallet
$1,766.72
ReimbursementSona dinner · approved+$482.10

Settled to your wallet. Move it to your bank any time.

04Your call

Want the nicer hotel?Cover the difference.

The policy caps what the company pays, not where you stay. Book the nonstop or the nicer room on your own card: the in-policy part is paid back the minute you book, you cover the rest, and the points on all of it are yours.

  • In-policy options first. Going above them is your call, never the price of the trip.
  • Both numbers before you book. What's paid back and what's yours, before you spend.
  • Flights, hotels and cars. Anything out of policy for another reason still goes to your manager first.
Hotel in Chicago $420 a night
Paid back to youTonight's live rate, the policy's cap$230
You coverYour upgrade, your call$190
Booked on your own card, so the points on all $420 are yours.

05Why we built this

“We’ve fronted thousands on our own cards and chased reimbursements for weeks. ExpenseOS exists so nobody has to do that again: your card, your points, paid back in a minute.”
The founding team · ExpenseOS

06The app

The chat is the front door.This is the house.

01ExpensesSnap a receipt. Read, coded, filed.→02WalletReimbursements land in seconds. Your money, your rewards.→03ReportsWhat you spent, what you kept, what’s on its way back.→04TravelFlights, hotels and cars, checked against your policy. Your card, your miles.→

07Join

Keep yourpoints.

You don’t have to wait for your company. AI expense reports work free in ChatGPT or Claude today, no company signup, no card required. Then refer your team and unlock instant reimbursement for everyone.

Start free →Refer your finance team

The appWeb · iOS · Android soonAlso lives inClaudeChatGPTSoonSlackMicrosoft TeamsGoogle Chat