Corporate cards with built-in controls
Issue unlimited high-limit CAD and USD cards that keep spending in check—with real-time tracking, automated spend controls and zero receipt chasing.
Trusted by 6,000+ Canadian companies
Float Product Suite
More control, less unwanted spend
A corporate card that delivers both.
Unlimited employee cards
Instantly issue cards to every employee (really). Add funds only when you need to.‡
No more expense reports
Automatically submit receipts via Float’s mobile app or text, eliminating the need for expense reports.
Avoid unwanted charges
Use-it-then-lose-it with single-use virtual cards designed for one-off purchases.
Float supports two models
Pre-funded
Credit line
Choose the funding model that fits your business needs
Pre-funded cards: Distribute funds from your Float balance — load before you spend
- Stay in budget — spend is limited to available Float balance
- Instant access — no underwriting or eligibility requirements
- Ideal for early-stage or smaller teams that prefer tighter control on spend
Charge cards: Interest-free, unsecured credit — pay after you spend
- Access flexible capital — Up to $3M+ in unsecured credit
- Interest-free — Up to 30-day repayment terms
- Ideal for growing or established companies with predictable cash flow that want flexibility and speed
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Smart spending in multiple currencies
Get access to smart corporate cards in both CAD and USD, and spend no matter the currency.
Earn up to 1% cashback
Avoid foreign transaction fees on your USD spending.
Save on conversion fees by connecting directly to your USD or CAD bank account.
Create new cards in just a few clicks
With unlimited physical‡ and virtual corporate cards, your spending limits can scale as your team grows.
Instantly add new users, set spend limits and cancel cards.
Accepted everywhere other credit cards are.
No monthly card fees, and no limits on the number of users.
*Unlimited virtual cards. Unlimited physical cards are available on Float’s Professional plan.
Payment terms for your stage of growth
Don’t let the limitations of big banks keep you from investing in growing your business.
Easily access pre-funded cards, where your limits = your bank balance.
Apply for unsecured, 15-day or 30-day credit terms with high limits (up to $3M+).*
No lengthy credit checks or personal guarantees.*Conditions apply. Book a demo to learn more.
Travel with peace of mind
Stop relying on personal cards or pricey rental insurance. Eligible car rentals paid for using your Float card now come with built‑in collision damage waiver coverage.*
- Coverage included on all CAD and USD cards
- Applies to eligible rentals booked January 1, 2026 and later
- No extra fees or applications needed
*Car rental collision damage waiver insurance applies to eligible rentals beginning January 1, 2026. Coverage subject to terms and conditions.
The card Canadian businesses trust
Join thousands of Canada’s leading companies already counting on Float
Get started now
From signup to spending in three simple steps
Apply in 2 minutes. Load funds instantly. Issue cards the same day.
Quick 2-minute application. Verify your business in under 24 hours. No credit checks required.
Use Interac e-transfer for instant funding or apply for 1-day Fast Funding for larger transfers.
Issue virtual cards instantly. Physical cards arrive in 5-10 days. Your team can spend right away.
You’ve evolved, banks haven’t.
Don’t be fooled by flashy rewards. Spend less with Canada’s smartest corporate card program.
Built for Canada. Period.
Not imported. Not localized. Float is business finance designed to address the unique realities of running a Canadian business, including taxes, currencies, regulations and more.
Spend, save, grow
The financial home for Canadian businesses
Access corporate cards, payments and business banking in one integrated software solution.
Business accounts that earn up to 4% interest
The freedom of a chequing account with the high-yield of a savings. CDIC insured and zero fees.
Corporate cards with built-in controls
High-limit CAD and USD cards with real-time tracking and up to 1% cashback.
Expense management that teams actually love
Custom approval workflows, instant receipt reminders and—best of all—no more expense reports.
Bill pay that saves you time and money
Automate AP with fast Canadian, US and global wire payments all from one platform, with fee-free EFT and ACH.
Employee reimbursements with direct payouts
Manage and reimburse your team for out-of-pocket expenses—without making them wait for payroll.
Foreign exchange with 90% lower fees
Instant access to CAD/USD currency exchange at market-leading rates. No hidden fees, no USD account required.
Integrations with the top accounting platforms
QuickBooks, Xero, Netsuite and a custom API let you create seamless workflows and close the books faster.
Level-up your corporate card game
Move fast and stay in control of spend, with card approvals in as little as 24 hours.
Looking for more information?
Float’s corporate cards are issued by Visa for CAD cards and Mastercard for USD spending. Float operates on a Charge (credit-based) funding model or a Prepaid funding model. Both funding models offer direct 1% cashback on all categories after the first $25K of monthly spend.
Float Charge: Float Charge offers customers access to unsecured, interest-free credit terms, where the balance is repaid fully at the end of the term (no balances are carried). You can apply* for unsecured credit terms with high limits up to $3M, no credit checks and no personal guarantees.
Float’s Prepaid Model: Prepaid model offers up to 4% interest on all deposits with no cash lockups with account opening in < 24 hours.
*Conditions apply. Book a demo to learn more.
Virtual cards are the same as a traditional physical card with the exception that the card number for these cards is presented digitally. You can create and cancel virtual cards for any purchase and set custom limits on a per-card level to avoid overcharges from the vendors. Float’s virtual cards are excellent for recurring subscription expenses, digital ads spend, and one-off small employee purchases as they can be added into Apple or Android Wallet and deleted once the purchase is complete. Float’s Essentials plan offers unlimited virtual cards and <10 minutes account application time.
Signing up for Float takes less than 10 minutes and can be done fully online. Float does not require any personal guarantees and does not perform credit checks to open your account. Ready to get started on our Free Essentials plan? Sign-up today.
Float’s corporate card has the same acceptance rates as a traditional Visa or Mastercard corporate credit card. However, unlike a traditional corporate credit card, Float operates on a Charge (credit-based) funding model or a Prepaid funding model.
Float Charge: Float Charge is different from a credit card, as the balance has to be repaid fully at the end of the month, whereas a credit card charges an interest rate and allows you to carry over the balance into a future month. You can apply* for unsecured credit terms with high limits up to $3M, no credit checks and no personal guarantees.
Float’s Prepaid Model: Prepaid model offers up to 4% interest on all deposits with no cash lockups with account opening in < 24 hours.
*Conditions apply. Book a demo to learn more.
Float is free to use on our Essentials plan, where you will be able to issue unlimited virtual CAD/USD cards, earn up to 4% interest on deposits, reimburse employees and pay vendor bills. If you need more sophisticated functionality, like over 20 physical cards, a QuickBooks or Netsuite integration, or an API solution, consider our paid Professional and Enterprise plans.
Float is based in Toronto and built for Canadian businesses, expertly handling complex provincial and territorial tax and accounting nuances.
Unlike traditional cards that get you to spend more, Float helps businesses spend less. Float customers on average save 7% on their spend through a combination of financial rewards like 1% cashback, up to 4% interest on deposits, no foreign transaction fees with our USD cards and time savings of at least 8 hours per employee.