Trusted by 500+ of construction businesses

The card built for construction businesses

The all-in-one platform that helps construction businesses tap high limits with up to 55 days of float, earn up to 2.1% unlimited cash back¹, and manage expenses — all in one place.

2.1% cash back

55 days of float

Up to $5M in limits

Trusted by construction businesses across America

Hundreds of construction businesses run their spend on Affiniti.

I'll be honest, I dragged my feet on switching. Took one afternoon. Now every material run earns us money and I'm not chasing statements at the end of the month. Should've done it two years ago.

Justin Schlichter

Owner, Roof Ryders / Deep East Texas Construction

Save time and money.
All with one business card

2.1%

Cash back on everything

Earn 2.1% on all spend, 3.1% on fuel, and 6.1% on hotels and dining—paid as statement credit or check.

$5M

Limits that grow with you

Higher limits for materials, fuel, and supplier purchases as your business grows.

No annual fee. No impact on your credit

No annual fee, no employee-card fees, and a soft-pull application that won't touch your credit.

Book your demo today

A card that does more than earn

Rewards that impact bottom-line, cards created in seconds, and AI the files expenses for you.

Rewards that impact bottom-line

2.1% on everything, 3.1% on fuel, 6.1% on hotels and dining —  paid out as a statement credit or a check.

Virtual, vendor, or physical cards

Issue any card type with custom limits and spend controls.  Lock, edit limits, or replace in a single click.

Expense reports in under a minute

Snap a photo of the receipt, add a memo, and the expense files itself.

Syncs to QuickBooks, exports to any ERP

Every transaction flows in with the right details: user, amount, category, and receipt. Not on QuickBooks? Export to any ERP

Custom spend controls

Control employee spend with custom policies, including vendor-locked cards, monthly limits, weekend freezes, and more.

Everything else your back office needs

Cards are just the start — banking, bill pay, and expense management all in one place.

Smartphone showing text message exchange adding a Home Depot receipt and memo for a $1,284.57 charge.

Expense management

File expense reports in under a minute. Employees can take a photo of an invoice or receipt, add a memo, and the expense will file automatically.

Invoice and payment details showing $1,839.92 to Goodwell Supplies scheduled for 03/01/26.

Bill pay

AI-powered invoice processing, pay bills, auto-code expenses, and sync everything directly to your accounting system in just minutes.

Laptop showing business checking balance over $2 million and graph of interest income rising with balance.

Banking

Earn up to 3% APY on a fully liquid checking account, get up to $3M FDIC coverage, and enjoy no-fee payments & check delivery.