Trusted by 3,500+ businesses

The card built for  home builders

The all-in-one platform that helps home builders earn up to 2.1% unlimited cash back¹, manage expenses, and grow faster.

2.1% cash back

$0 annual fee

Up to $5M in limits

Trusted by home builders across America

Hundreds of home builders run their spend on Affiniti.

As a Builder, we process large materials and labor bills on an ongoing basis. The cash back we earn on the spendserves as a discount we never had to negotiate.

Drew Hamblen

President, Fairview Custom Homes

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.

How we stack up against your current card

Cash back

Spend bonus offer

Total fees

Credit limits

Reward redemption methods

Affiniti Business
Mastercard

2.0% back on every purchase with autopay¹

$1,250²

$0 annual fee
$0 employee card fee

Up to $5,000,000³

Redeem as statement credits,  or physical checks

Capital One
Spark 2% Cash

2% back on every purchase

$1,000 when you spend $10,000 within 3 months

$150 (or $95) annual fee 

$0 employee card fee

No preset spend limit (shadow limit) or low initial limits

Redeem as statement credits, physical checks, gift cards,  or Capital One travel

Marriott Bonvoy
Brilliant® Amex® Card

2x (valued at 1.2% cash back)

on all purchases

185,000 points (valued at $1,110) if you make $6,000 of purchases within the first  6 months

$650 annual fee 

No employee card offering

Either low starting limits or a lengthy documentation process to get a higher line

AmEx travel portal, hotel stays at Marriott, statement credits, gift cards, and partner airlines and hotels

American Express
Platinum

1x (valued at 0.6% cash back)  

on all purchases

200,000 points (valued at $1,200) if you spend $20,000 within 3 months

$895 annual fee 

$400 employee card fee

No preset spend limit  (shadow limit)

AmEx travel portal, statement credits, gift cards, and partner airlines and hotels

Chase Ink®
Business Unlimited

1.5% back on every purchase

$750 when you spend

$6,000 in 3 months

$0 Annual Fee
$0 Employee Card Fee

Either low starting limits or a lengthy documentation process to get a higher line ($100,000 or more).

Chase Ultimate Rewards portal, gift cards, and statement credits.

How to get started

Book a demo with our dedicated AP Card team.
They'll white-glove set everything up for you.