Trusted by 3,500+ businesses

1% cash back on your vendor payments, with no credit card fees.

A business card to pay your vendors, earn 1% cash back, and skip credit card fees.

1% cash back¹

No credit card fees

No credit check

Trusted by business owners across America

3,500+ businesses run their spend on Affiniti.

ABC Supply wanted to charge me to use a card. Now I pay with this AP Card, don't pay a fee, and I get cash back. Very easy call.

Craig Schultz

Owner, Schultz Roofing

Any time we tried to put supplier payments on a card, they'd charge a fee. So we paid by ACH and earned nothing on our biggest invoices. The AP Card is the first thing that lets us pay those same suppliers without the fee, and get 1% back on all of it.

Marie Mecham

CFO, Authority Heating & Cooling

Before, I was paying my suppliers with a credit card, but then I would get charged a credit card fee. Now using Affiniti, I’m able to use their AP card—not only no fees, but I get cash back.

Nate Saxton

Founder, Nuvant Roofing

The same invoices, now working for you

Cash back on every invoice

Fixed, unlimited, paid as statement credit or check.

No credit card fees

The AP Card pays like debit, so you skip the fees suppliers addon credit.

None

No credit check

No debt, no interest — the AP Card pays like debit.

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Today your vendor spend loses either way

A fee if you pay by card, nothing back if you pay by ACH or check. Here's what that costs you — and what the AP Card earns instead, by monthly supplier spend.

How you pay today	$100K/mo	$250K/mo	$500K/mo
Credit card 3% surcharge*	–$36,000	–$90,000	–$180,000
ACH or Check Earns nothing	$0	$0	$0
Affiniti AP Card 1% cash back, no annual fees	+$12,000	+$30,000	+$60,000

Annual figures based on monthly supplier spend. Surcharge fees vary by supplier; 3% shown for illustration. Cost comparison with credit card does not include any potential cash back earned on usage of credit card net of any credit card surcharge.