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Frequently Asked Questions

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Why should I use ComCard instead of a debit card?

Corporate cards provide layers of security, fraud protection, and expense management that debit cards do not. For example, a debit card gives anyone carrying it access to the entire cash balance in a company’s checking account. Additionally, unlike with debit cards, ComCard allows you to easily issue employee cards with set spend limits and monitor spend in real-time.

Plus, you’ll earn Rewards points on every transaction that you can redeem for the statement credit. Debit cards typically don’t offer any return on your spend—it’s like leaving money on the table.

Do I need a good credit score to get ComCard?

ComCard decision on credit limit is different from other cards - we will try to issue you a corporate card based on your financial activity (such as transactions, income, expenses) at a connected checking account. This does not require your personal credit score, so it will not be affected by applying.

What happened if my application got declined for the no-personal guarantee?

In this case, we will offer you 2 options - apply with a personal guarantee or, if available, we will offer you credit as a debit card.

What does no-personal guarantee mean?

This means that we make the decision on credit limits based on your financial activity (such as transactions, income, expenses) at a connected checking account as well as current industry conditions.

How do you protect me from fraud?

ComCard offers full protection from unauthorized transactions so you can trust that your finances are secure. Our U.S.-based support team is available via chat, phone, and email for assistance on all related matters.

When you report an unauthorized transaction, our team immediately suspends your card to prevent additional fraudulent behavior on your account and issues you a new card. We will credit your account for all unauthorized transactions and the funds will be returned to you and reflected on your ComCard dashboard once the dispute process is complete, which typically takes 5-10 business days.

If you don’t recognize activity on your account - contact us immediately.

I am not in construction or interior design, can I also get a ComCard account?

At the moment we are only serving the Construction and Interior Design industries with a plan to expand to the Manufacturing and Fashion industries next year. If you want please drop us a line and let us know what industry you are in

What credit card network does the ComCard card operate on?

ComCard cards are on the Mastercard network.

How long is my statement period?

At the moment all accounts have a 30-day statement period.

Where can I use ComCard?

Our card is acceptable in all merchants around the world that accept Mastercard.

What's the difference between virtual and physical cards?

Each ComCard cardholder automatically receives a virtual card, which is immediately available for use after account approval. Virtual cards can only be used online or over-the-phone to make purchases.

Each employee may also receive one physical card. Physical cards can be used for all purchases, including in-store.

How do I pay the bill?

ComCard automatically bills your business checking account according to the schedule chosen in ComCard Dashboard.

What do I need to apply for ComCard?

Only companies organized and registered in the United States (such as C-corps, S-corps, LLCs, or LLPs) may apply for a ComCard. Consumers, sole proprietors, unincorporated partnerships, and companies registered outside the United States are not permitted to use or attempt to open or use ComCard. There are also some prohibited activities and businesses that we cannot support.

Why do I have to link my business checking account?

ComCard requires you to connect and keep updated account information because we make decisions on credit limits based on the financial activity of your company. This allows us to issue credit without a personal guarantee and increase limits as your company grows automatically.

ComCard uses a third-party service provider called Finicity to integrate with thousands of banks across the United States. Finicity encrypts all data to maintain high levels of security (read more here). ComCard never stores your bank account login credentials, and they are not visible to ComCard employees at any point.

How does ComCard make money?

ComCard doesn’t charge you fees or interest. Instead, we simply receive a small fee from the merchant for each purchase you make with your ComCard card. This fee is usually called the interchange fees.

Will applying for no personal guarantee affect my credit score?

No. When you apply for no personal guarantee we will not make a hard pull, so your credit score is not affected.

Do you have any fees?

No. We don’t believe in fees.

What's APR on your cards?

We don’t allow to carry a balance and because of that, there is no APR.

Сall us if you have questions

(844) 903 0903
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ComCard card is issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard International. Terms and conditions apply. See the ComCard Platform Agreement for details.