TakeCharge

The Relay Visa® Credit Card is exclusively available to customers by invitation only. Customers will be invited to check their eligibility by email and in-app notification. Eligible businesses will receive an email notification and be prompted to apply for the card within their Relay accounts.

We determine eligibility using a variety of factors, but you’ll at least need to meet our minimum qualifications to be considered:

• U.S.-incorporated and operated
• LLC, partnership or corporation (not a sole proprietorship)
• Established at least 1 year before the time of credit card application
• Earn at least $240,000 in annual revenue ($20,000/month on average)

Applying for the Relay Visa® Credit Card will not impact your personal or business credit score. We will not check your personal or business credit score during the application process or report adverse events (like denied applications) to credit bureaus.

Simply start spending on your Relay Visa® Credit Card! You’ll earn 1.5% cash back on every dollar spent—no spend minimums or gotchas.

The Relay Visa® Credit Card is a charge card. This means that you must pay off your full balance at the end of every 30-day billing cycle. Payment—in the amount of your full credit card balance—will be automatically deducted from your checking account of choice the day after your 30-day billing cycle ends. You can also pay off all or a portion of your balance at any time during the 30-day billing cycle.

Your credit limit will be determined, and provided to you, once your credit card application is submitted and approved.

The Relay Visa® Credit Card does not have any annual fees, but Relay does charge a late fee for balances that are not fully paid at the end of every 30-day billing cycle. The late fee is 3% of the unpaid balance, applied once a month until the balance is fully repaid.

You can issue 50 virtual cards for your business, and you will soon be able to issue up to 20 physical (plastic) credit cards.