ExpenseOS™ Benefits Card - Every benefit your team values, on one card

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

Employee expenses Travel Supplier payments Benefits cardsSoon MCP & chat Savings calculator Agent spendEarly access Industries Compare Pricing Resources About FAQ Book a demo

Why it’s different

A benefits program without the busywork.

One card, every program

Each benefit you offer is its own stipend purse on the same card, so your team carries one card, not a wallet full of point solutions. It often retires a separate lifestyle-benefits vendor outright.

You only pay for what’s used

Stipends draw at the swipe and unused amounts lapse at reset, so you fund the perk people actually take, never the float.

Policy on the card, no receipts

In-policy swipes need no receipt or report, anything out of policy declines at the terminal, pre-tax programs run pre-tax automatically, and taxable perks report themselves to payroll as they’re used.

One card, many programs

Fund the benefits that fit your culture.

Turn on the programs your team cares about, each its own stipend purse on the same card. Add, adjust or retire programs whenever your team’s needs change. Your HR team owns the programs; finance only sees the funding.

Wellness

Gym memberships, fitness classes, mental-health apps, massage and self-care.

Food

Groceries, meal kits, team lunches, coffee and restaurant or delivery spend.

Work from home

Desk, chair, monitor, headphones and the home-office gear that makes remote work.

Learning & growth

Courses, certifications, books, coaching and conference tickets.

Family care

Fertility, childcare, dependent and elder care, and family-forming support.

Pre-tax health & commuter

HSA/FSA and transit & parking, run pre-tax so more of the benefit reaches your team.

Pre-tax

Benefits your team will actually use

Give your team benefits they love.

One card for wellness, food, work-from-home, family care and more, with policy built in and only paying for what’s used. Book a demo, and bring your HR lead, we’ll tailor the programs together.

No spam. A short walkthrough mapped to your team.

Thanks, we’ll be in touch to schedule your walkthrough.

FAQ

Questions people ask

What are ExpenseOS virtual cards for?

Paying suppliers. A virtual card number is issued for a specific vendor payment, which keeps supplier spend controlled and reconcilable without handing out a physical card. Employee and benefits cards are a separate thing and are not live yet.

How is this different from giving staff company cards?

Virtual cards are for vendors, not people. Employees still spend on their own cards and keep their own rewards. Those are two different problems and ExpenseOS solves them differently on purpose.

Does connecting supplier payments change what ExpenseOS costs?

Yes. Every supplier payment made by card earns cashback that nets against the company's weekly statement: 1% for life for founding customers who sign before the end of 2027, and 0.75% for customers who sign later. Payments made without a card move at 0.5%. If the cashback exceeds the fee, ExpenseOS pays the difference. Rates on very large single payments are confirmed at onboarding.

Do suppliers have to accept cards?

No. ExpenseOS pays each supplier the way it accepts: on card where they take it, direct to the biller for utilities, telecoms and insurers, and by ACH or check for the rest.

When are benefits and stipend cards available?

Not yet. Benefits cards for stipends such as gym, commuter and wellness are in development. Anything on the site marked Soon is genuinely not live, and we would rather label it than sell it.

Further reading: Benefits stipend cards, explained