Trusted by 1,000+ contractors

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

A business debit card built for HVAC contractors. Keep your current arrangement — just pay suppliers like Ferguson, Trane, and Daikin with the AP Card instead.

1% cash back1
No credit card fees
No credit check
One Hour Heating & Air Conditioning
Sasso Mechanical
Rutan Mechanical
heating bast
Quality Mechanical Corporation
K logo
Legacy cooling&heating logo
Mattioni logo
OAK GROVE

Trusted by HVAC contractors across America

1,000+ contractors run their spend on Affiniti.

Marie Mecham
Any time we tried to put supplier payments on a card, they'd hit us with a processing fee. So we paid by check and earned nothing on some of 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

The same invoices, now working for you

1%

Cash back on every invoice

Fixed, unlimited, paid as statement credit or check.

$0

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.

Book your demo today

Today your supplier 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.

Turn accounts payable into cash back

The AP Card turns the invoices you already pay into cash back — none of the fees, debt, or hassle of a credit card.

Skip the surcharge fees

A supplier invoice that costs ~3% on a credit card costs $0 in surcharge with the AP Card.

Turn ACH & check spend into cash back

The big invoices you send by ACH or check to dodge that fee now earn 1%.

Your rebate stacks

Keep your house accounts and supplier terms exactly as they are. The 1% is on top of every discount and rebate you already earn.

Debit, not credit — no credit check

The AP Card pays from your balance like debit: no debt, no interest, no credit check.

Is this a credit card?

No. No debt, no interest, no credit check. It pays from your checking account like debit. That's why there's no credit card fees.

How to get started

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

Book your demo today

Everything else your
back office needs

The AP Card is one piece of the ACCA Financial Platform — cards, expense management, banking, and bill pay in one place.

Card iconDiagram showing one dark blue ACCA card linked to four lighter blue ACCA cards representing supplier cards issued.

Business cards2

For purchases with no credit card fees, earn up to 2.1% cash back on everything, 3.1% on fuel, 6.1% on restaurants and hotels.

Smartphone showing text about $178.76 Chevron charge needing receipt photo, confirming receipt match and memo added.

Expense management

Item-level receipts, capture by text, 
and books that close in minutes.

Comparison of annual percentage yields showing 3.00% for ACCA and 0.04% for Wells Fargo with logos.

Checking3

Earn up to 3% APY, up to $3M FDIC coverage, no-fee payments and check delivery.

Invoice showing a $1,806.16 payment to Ferguson, detailing items, billing, and scheduled due date of 03/01/26.

Bill pay

AI invoice processing, smart approvals, and fee-free vendor payments.

Book your demo today