Join the 1.75% club with Zeni’s Business Debit Card

No minimums. No applications. Just instant access to unlimited cards
and 1.75% cashback on every purchase.

Set up my Business Debit Card

The debit card that does more

Not just another way to pay. A smarter way to track, manage and optimize your business spend.

Instant 1.75%
cashback

Earn assured cashback with each transaction.

Smart spend tracking

Instantly track and categorize every purchase.

Built for businesses, not banks

Open an account, get unlimited cards, control spending.

Because 0%
doesn’t cut it

Your business deserves more than the standard. Spend, track, and stay in control, all while earning 1.75% with every swipe.

Start Earning 1.75%

Smarter spending starts here

The benefits your business has been waiting for.

Boost your bottom line

1.75% Cashback on every purchase

No minimum balances, no category restrictions, no hidden catches. Just instant cash back deposited directly into your Zeni checking account.

Start spending in seconds

Instant virtual cards

Create unlimited virtual cards on the spot. Add to your mobile wallet and start spending right away, so you can start earning today.

Guardrails that work your way

Smart spend controls

Set card limits by user, team, or project. Get AI-powered alerts when something looks off, so you stay in control without micromanaging.

Know where every dollar goes

Real-time spend visibility

Track all debit transactions across your company— Live. See who spent what, when, and where, right from your Zeni Dashboard.

Let AI do the closing work

Effortless reconciliation

Each transaction is auto-categorized and reconciled with your books by Zeni’s AI Bookkeeper—receipts included.

Centralized control for modern finance teams

All your expenses on one smart dashboard

Manage every transaction, card, and category in one place. Streamlined, searchable, and always up to date.

FAQs

How is the Zeni AI Business Debit Card different from a traditional business debit card?

Unlike standard business debit cards that only process payments, the Zeni AI Business Debit Card is directly connected to Zeni’s AI-powered bookkeeping platform. Every transaction automatically syncs, categorizes, and updates your financial statements in real time. This eliminates manual reconciliation and reduces accounting errors.

Does every transaction automatically sync with my books?

Yes. Each swipe or online purchase instantly feeds into your Zeni dashboard. The AI categorizes expenses, matches receipts, and keeps your financial reports continuously updated, so your books stay clean without manual uploads or spreadsheets.

Can I issue cards to my team with spending controls?

Absolutely. You can issue physical or virtual cards to employees, founders, or contractors with custom spending limits, merchant category controls, and real-time visibility. You can also freeze or cancel cards instantly for full control over company spend.

How does the card reduce month-end close time?

Because transactions are categorized and synced automatically throughout the month, there’s no backlog of expenses to reconcile. This significantly reduces month-end cleanup work and allows for faster, more accurate financial reporting.

Can I use virtual cards to manage subscriptions and vendor payments?

Yes. You can create dedicated virtual cards for SaaS tools, ad platforms, or vendor payments. This makes it easier to track recurring charges, prevent subscription sprawl, and improve spend visibility, all while keeping your bookkeeping automated.

Debit Cards

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

What does the Zeni onboarding process entail?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

*Zeni is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.

‍

I. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [customerservice@thread.bank] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

‍

II. The interest rates and annual percentage yield on your account are accurate as of 12/11/2025 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .37%-2.90% depending on the balances held. Earn 0.37% APY on checking balances of less than $250,000, 1.18% APY on balances between $250,000 and $500,000, 2.00% APY on savings balances between $500,000 and $1,500,000, 2.83% APY on savings balances between $1,500,000 and $2,500,000 and 2.90% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

‍

III. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

‍

IV. Payment services are provided by Community Federal Savings Bank and Column National Association, to which Nium, Inc. acts as a service provider. Zeni Inc is not licensed, nor exempt to provide any payment services in the US.

© Zeni Inc. All rights reserved

Made with ❤️ in California