The first personal card for all your  

Combine multiple vendors with Hypercard's best-in-class perks, company stipends, and expense reporting.

Available to all of your employees regardless of credit.1
Consolidating multi-vendor costs & time

One product to rule them all

Best-In-Class Perks

Access seamless benefits directly on a premium card—no outdated dashboards or extra apps needed.2

Company Stipends

Stipends are instantly applied to any transaction on our card app with a single click, includes location and time controls.

Expense Reporting

Integrate with your expense solutions like Concur, or use our complimentary solution to submit reports with a few taps.

Frictionlessly built into
a mobile credit card experience
A simple dashboard to manage submitted reports and review stipends
The personal card case study3

The personal card advantage

No annual fee

Hypercard puts the liability of business expenses on a personal card product, creating personal liability and accountability thus curbing excessive spending.

Instant reports

Hypercard enables one-click stipend and expense report submissions, saving up to 40 minutes per report.

Instant reimbursements

Hypercard offers instant reimbursements when employees submit expense reports, eliminating the need to front costs for the employer while allowing employees to keep the points from those transactions.

Reduced business spend

Hypercard puts the liability of business expenses on a personal card product, creating personal liability and accountability thus curbing excessive spending.

Close your books on time

Hypercard streamlines accounting by reimbursing employees immediately and incentivizing timely expense report submissions with bonus points and additional credit card rewards.

Consolidate vendor costs

We combine the costs of three separate tools, stipends, expense management, and perk vendors and solutions into one cost with one onboarding time.

Pre-negotiated benefits

A low cost, high impact product that comes with $550 worth of pre-bundled Amex network grade perks and benefits.

Employee unity

A metal inclusive and accessible credit card experience made specifically with your branding for your teams to be proud.

One product to manage

Hypercard's integration of a stipend manager, perk solution, and expense system streamlines the management of vendors and relationships, saving time.

Universal solutions for enterprises

Built for scale

Better control of policy

Streamline policy creation & enforcement for a more efficient and effective workplace.

Perks that employees actually use

Offer benefits your team will love to boost morale and engagement.4

Complete accounting & HRIS integrations

Simplify your finances with seamless connections to your accounting software.5

International service and support

Empower your global workforce with resources and assistance wherever they are.

"The next revolution for benefits is here"
Sam Altman
Sam Altman
CEO of OpenAI
Worry free offboarding

When your employees move on, we move with them

Frequently asked questions

Can’t find what you’re looking for? Get support from our white glove service team.

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What happens when I leave my company?
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Hypercard Rewards Card offers worry-free, hands-on off-boarding. When you leave your company, your card will be seamlessly transitioned to our white Hypercard Rewards card, which will house only the native perks offered by Hypercard. All financial obligations will continue to smoothly be transferred to the personal card without any disruption at no additional cost to you.

Do I get cashback or points for spending on this card?
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The Hypercard Rewards Card offers 2X points on all transactions and 3X points on transactions flagged for reimbursement. The points can be redeemed towards cash-back, standard merchant rewards, gift cards, and more.

What happens if my expense report or stipend gets denied?
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Should any reports or stipends be denied, we will retract the previously issued instant credit and apply a statement balance for the corresponding transaction. Consequently, the transaction will be converted into a standard personal transaction under your name.

What happens if my company offers a very limited amount of perks?
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Hypercard Rewards Card's own out of the box high-fidelity perks will offer you the perfect resource to maximize employee sentiment and retention effectively. Furthermore, our instant expense management feature will enable you to save time.

What will happen if I am late with payments or defaults
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Our product is a standard credit card and as such, you assume personal responsibility for our cards. We work with our underwriting team to ensure that you can safely be underwritten and that our cardholders can safely use our products.

What kind of support should I expect from Hypercard?
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Our 24/7 support team comprises highly experienced professionals with a decades-long proven track record of delivering superior customer service. Our support channels include phone and email, where all concerns are addressed urgently to complete satisfaction. Our technical support engineers are some of the foremost experts in their field, ensuring our card’s seamless and secure operation.

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  1. CHECKING YOUR APPROVAL STATUS WILL NOT AFFECT YOUR CREDIT SCORE. HOWEVER, A FORMAL APPLICATION OR FINAL APPROVAL MAY REQUIRE A CREDIT CHECK WITH A CREDIT REPORTING BUREAU, WHICH COULD IMPACT YOUR CREDIT SCORE.
  2. ALL PERKS AND BENEFITS ARE SUBJECT TO THE TERMS & CONDITIONS OUTLINED IN OUR BENEFITS GUIDE.
  3. PLEASE BE AWARE THAT THE CASE STUDIES SHOWCASED ON OUR WEBSITE ARE NOT EMPIRICALLY VALIDATED AND INDIVIDUAL OUTCOMES MAY DIFFER FROM CLIENT TO CLIENT.
  4. ALL PERKS AND BENEFITS ARE SUBJECT TO THE TERMS & CONDITIONS OUTLINED IN OUR BENEFITS GUIDE.
  5. ACCOUNTING AND HRIS INTEGRATIONS ARE DONE THROUGH SERVICES OFFERED BY LANGAPI COMPANY D.B.A. RUTTER, AND SUBJECT TO THEIR TERMS & CONDITIONS AND PRIVACY NOTICE.

Guide & Benefits Terms & Conditions

ISSUED BY STEALTH BANK | 2024 © UNTITLED FINANCE, INC. ‍

UNTITLED FINANCE, INC. IS NOT A BANK. HYPERCARD IS ISSUED BY STEALTH BANK. CARDHOLDERS MUST BE AT LEAST 18 YEARS OF AGE AND A CITIZEN OF THE UNITED STATES OR A PERMANENT RESIDENT WITH A VALID SOCIAL SECURITY NUMBER (SSN) OR INDIVIDUAL TAXPAYER IDENTIFICATION NUMBER (ITIN). AN APPLICATION IS REQUIRED AND FINANCING IS SUBJECT TO STEALTH BANK APPROVAL. FEES WILL BE ASSESSED ON OVERDUE AMOUNTS FOR CREDIT CARD HOLDERS.

CARD IS ISSUED BY STEALTH BANK, PURSUANT TO A LICENSE FROM AMERICAN EXPRESS®. AMERICAN EXPRESS IS A REGISTERED TRADEMARK OF AMERICAN EXPRESS.