# Emburse Cards Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Emburse Cards the right Expense Report solution for you? Explore 42 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/164500/Emburse/reviews --- Emburse Cards 4.5 (42) [View alternatives](https://www.capterra.com/p/164500/Emburse/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Emburse Cards Ease of use 4.6 Customer Service 4.5 ## Showing most helpful reviews Showing 1-25 of 42 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Dennis V. Outside World Liaison and Lead Link Computer Software Used the software for: 1-2 years ### "Everyone has a card!" August 17, 2019 5.0 Pretty good, some issues in the part with reissuing cards (always a pain to ship a couple of dozen around the world again) but just happened once so far. Pros We have implemented Emburse for all our remote team (aka everyone) that works with us. Each person gets a card shipped with budgets to spend on perks ($500 in Convert's case) and that makes everything run smooth. Then we run almost all budgets through the virtual cards making it easier to decentralize spending on anything. Decentralize is the way to go for us since we run on Holacracy and are all remote. Cons Feel it's still missing a direct connection with Xero that could be a big plus. A way to ship a card directly to anywhere in the world (now only US) would save us a logistical step. Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/) Reason for choosing Emburse Cards The chip works at more locations in the world then the Brex technology allowing our team to use it at more locations. Review Source KS Keith S. CEO E-Learning Used the software for: 6-12 months ### "Emburse dramatically simplified expenses. My team loves it!" August 14, 2019 5.0 Pros Emburse makes it incredibly easy to issue expense cards to new employees and ensure that everyone reports back on all the key things you need to close your books. It took an annoying process of internal nagging to get the books closed, to a streamlined automated text message each time someone purchased. It’s amazing. Cons There is nothing significant that I dislike about the product. One quirk is that you’re using pre-paid cards rather than true credit cards, so you have to keep re-upping your balance. But this is automated so it’s not a big deal. Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/) Reason for choosing Emburse Cards Much more complete in it’s ability to map our internal workflow to the system. Also, Emburse support was far superior and responsive. Review Source SB Sarah B. Senior Accountant Computer Software Used the software for: 1-2 years ### "Servers Down Constantly Lead to Failures in Purchases" August 14, 2019 3.0 It's a free program, you get what you pay for. Pros It's become a little more user friendly with drop down menus that you can search in and the ability to add additional attachments. Cons The website has been so slow as of late. It takes a few minutes for it to boot up and for me to be able to search for a transaction. It is so inconvenient. The servers have also had issues lately that cause recurring purchases to fail and cause serious issues with our vendors. Review Source Response from Emburse August 19, 2019 Hi Sarah, We are sorry to hear about your experience. We were recently performing some server cleanup which is why the transaction page was slow but have since finished. And as of last month, we added a new fix for managing any failed purchases! You shouldn't see anymore going forward. Just wanted to add that we aren't a free platform, but because of our relationship with Housecall Pro, we decided to waive the monthly fee a long time ago. If you have any questions or if there's anything we can do for you to make Emburse a better fit for you, please reach out and we'll make it happen! Regards, Chris AL Aaron L. Co-Founder Entertainment Used the software for: 2+ years ### "Emburse Review" September 19, 2019 4.0 The Emburse journey has been excellent the whole way through and customer support has stood out as a major strength the entire way. From development support during integration to operational support once you are live, the team at Emburse has always been fast to respond and incredibly informative and helpful. Can't say enough about their support. Pros The ability to leverage both an easy to administer Dashboard along with a rich set of APIs fit our use case perfectly. It allowed us to quickly launch and integrate our integration while making use of the Dashboard to augment any intermediate needs we had while developing our software. Cons We are eagerly awaiting consumer spending support through Emburse. Reason for choosing Emburse Cards Ultimately the ease of use, quality of the integration and the high level of customer support sealed the deal for us. Using Emburse has been a game-changer for us in allowing our product to reach the market quickly while still maintaining the highest levels of quality and security for payment processing. Review Source BF Bhakti F. Controller Marketing and Advertising Used the software for: 6-12 months ### "Love the debit feature" August 13, 2019 5.0 We are very pleased with Emburse. The support has been responsive -- although we have not needed much support because everything works well and is easy to understand. We have very intention of utilizing Emburse as often as we can. We are a marketing and branding company with specialty in the spirits industry and in field marketing. Our usage is based on Client programs that we create and execute. Pros Easy to use. Because of the replenishment feature, we can always keep a set amount of available funds for our non-employee marketing reps. No concerns about excessive numbers of conventional corporate credit cards being used. Reconciliation is easy with the month end statement. Cons I really do not have any cons to share. Our Account Manager and Field Director are both very happy with Emburse. Our Account Manager was the one pushing for Emburse and I think it was and is a good decision. Review Source VR Verified Reviewer Partnerships Marketing and Advertising Used the software for: I used a free trial ### "Unexpectedly disabled account " December 10, 2019 1.0 They didn't ask for any company information when setting up our account. This was different from other competitors we tested at the same time/after who collected company documents, bank statements and did a full credit check to make sure they were comfortable working together. Emburse seems to want to rush you into a trial and then do a check, and just kick you out if you don't pass. They don't communicate what they are checking, what fell short, or ask for anything from you. The setup process seemed too good/easy to be true and it was. It seems Emburse wants to get people in the door and sort 'em out later. They show zero consideration for small businesses. We are very happily and smoothly working with a competitor now who did their due diligence at the start instead of just making black box decisions after you think you are already set with the solution. Pros The pricing model and ease of use drew us to Emburse. I had a friendly rep who did the demo and gave me a sign up link, and the interface looked good and intuitive. I was able to easily pre-fund my account. When they closed our account unexpectedly, they did refund our payment quickly. Cons We were only able to spend a few dollars before our account was unexpectedly closed. We found this out when a transaction declined and then we were unable to log in, and reached out to a rep. No communication, even an automated email, informed us. Review Source VR Verified Reviewer CTO Human Resources Used the software for: 6-12 months ### "Great product for expense management" August 13, 2019 5.0 great company and great product Pros new features including physical cards, apple pay integration, and new settings for controlling spend. Cons learning curve took slight time to figure out. Alternatives considered [Brex](https://www.capterra.com/p/182054/Brex/) Reason for choosing Emburse Cards prefer prepaid design over post paid Review Source DP David P. Executive Pastor Non-Profit Organization Management Used the software for: 6-12 months ### "One of the best credit card solutions on the market" September 30, 2019 4.0 Pros We’ve done everything from trying corporate cards to using expense software solutions, but Emburse combines the best of both worlds. Our employees love it over monthly reporting and we’re saving a lot of time on everything from expense controls to expense reports and accounting. Cons Still is a young product and would love to see some more robust features that some of the bigger expense solutions have (ie. better receipt emailing options, native QBO support without using plugin, etc), but overall a solid product. Review Source AS Andy S. CTO / head of finance Accounting Used the software for: 2+ years ### "Great customer support and gets the job done" June 11, 2019 5.0 Overall experience is definitely positive. I recommend Emburse. Since issuing department specific Emburse cards, accounting has been way easier and I don't have to deal with purchase orders everyday. Setting up on Emburse was super easy. Our account was approved and cards issued within two hours. Great support team as well. The rep was especially helpful in helping me with disputes and my missing card. Pros Simple to use. Intuitive UI. Never had an issue with my cards. I love that I can limit cards by categories. Other cards may be able to do it, but it's much easier with Emburse and I can do it myself. Keeps accounting easy and happy. Cons When we started with Emburse they were debit only and I didn't like having to leave a bunch of cash in their accounts. Now that they support credit cards, that's gone away. Review Source NS Nicholas S. Sr. Accountant Accounting Used the software for: 1-2 years ### "Really good platform" March 15, 2019 5.0 Pros We LOVE the control that Emburse gives to us with respect to spending on the cards. We love that we can set limits, restrictions and monitor the spending on our cards. We also really love the ability to have an electronic card vs. a physical card. Cons We were told that it would sync with our current platform, Expensify but it does not and they were not able to give any real viable solutions Review Source JO Jennifer O. President Internet Used the software for: 1-2 years ### "Excellent service, affordable " August 16, 2019 5.0 We love emburse. It’s allowed us to much more flexibility in our business Pros How easy it is to create customized cards Cons Funding delays over the weekend/bank holiday Review Source LF Leilani F. Accounts Coordinator Computer Software Used the software for: Less than 6 months ### "Exceptional Customer Service" August 13, 2019 4.0 So far so good, still working out a set up that works best for us but the support for the customer service team certainly makes things easier. Pros Very user friendly on the purchaser's side. The customer service team has been absolutely amazing as well. Cons Some flexibility that might be available but I just don't realize it. I.E. Wish we could let the purchaser choose which bucket a purchase should come out of when there are 2+ rules, that I could play around as an admin with setting up teams/rules etc without it emailing users, 3+ months long rules with roll over. Reason for choosing Emburse Cards We trialed Emburse at the same time as another product. Exceptional customer service and a user friendly site swayed our decisions. Review Source FR Frank R. Community Manager Financial Services Used the software for: 6-12 months ### "Great Idea, but site is a bit hard to navigate" August 14, 2019 4.0 Pros Virtual credit cards are just a great idea and so useful. Also giving people somewhere to upload receipts makes things so simple. Cons the transactions are a bit jumbled and their statuses are confusing to read at a glance, on the admin side. Switching between companies is not easy either. Review Source SS Stephanie S. A/P Construction Used the software for: Less than 6 months ### "Very Impressed " August 13, 2019 4.0 Budgets for fuel and field expenses. Pros The control with each card at any time. Cons The customer service. Few of my questions did not get answered. Review Source MS Matt S. CIO Pharmaceuticals Used the software for: 2+ years ### "Great Expense Management Tool" August 16, 2019 4.0 This does exactly what we need it to do for a very reasonable cost. Far easier to get setup and running than their competitors. Pros API is excellent and easy to get up and running with. Cons Transparency about what fees we would be charged and how the service would be changed was pretty low at certain points. More advance notice would be great. Review Source NR Nicholas R. Financial Data Analyst Entertainment Used the software for: 2+ years ### "Emburse " August 19, 2019 5.0 Pros I really like the user interface. It is very easy to navigate and find what I am looking for. Cons I am the Administrator for three lines of of Emburse Cards. I need to look at each account individually to get the information. I would be nice to have a dashboard that gives me the balances for all accounts from one screen. Review Source RL Roger L. Co-Founder Computer Software Used the software for: 2+ years ### "Easy way to manage employee expenses" August 24, 2019 5.0 Pros Really easy to create new virtual or physical cards, manage controls/limits, and track down receipts. Very responsive and helpful support. Overall Emburse has allowed us to feel comfortable issuing cards to key employees that regularly spend on the company's behalf. Cons Need to pre-fund the debit cards Review Source BJ Beverly J. Owner/CEO Consumer Services Used the software for: I used a free trial ### "Application Rejected with No Explanation" February 7, 2020 1.0 On their website, it does not say anything about how long your business has to be active to be approved. It also does not say anything about your business needing good credit or any credit at all. It doesn't say the minimum number of employees, or how much revenue you need to have in order to get approved. My company was just started last year but it's growing fast. I was looking for software to help me make cards for new agents who have certification class expenses to pay in order to get started. On average I hire about 10 people a month, each new hire needing anywhere between $10 - $200 dollars. You do the math. This company lost out on thousands of dollars by rejecting my application. It doesn't make sense. My company is new, no credit history at all, but our revenue projections are very very high. If I could have at least gotten an explanation as to why they denied my application, then I would have an opportunity to apply again in the future, but they do not tell you why at all. I gave sensitive documents to this company, and the way that this happened makes me feel that this may be a scam. I've never heard of a legitimate company that doesn't even offer any requirements for approval. Even if they don't offer an explanation for denial there are usually requirements for approval. If my business mysteriously becomes compromised I will know exactly who caused it. Pros I tried the trial. It was easy to use... Cons I did not get to use the real thing..... Alternatives considered [PEX](https://www.capterra.com/p/153785/PEX/) Review Source SS Sanya S. Sr. Accountant Accounting Used the software for: Less than 6 months ### "Emburse isn't perfect (yet), but their Customer Support is! " August 23, 2019 5.0 I have really enjoyed working with the team to create the most optimal system using Emburse and I'm excited to continue to grow with them! With their hardworking, dedicated and smart team, I think they'll get very close to just what we need! Pros I love how easy the software is to use. Its probably the best one out there for accounting purposes. My favorite part, however, is definitely the customer service. Every time I have a question, they are on top of it! Credit cards are not easy for any company to implement. Accounting hates credit cards because there is absolutely no tracking of transactions! Emburse makes it a lot easier to want to implement credit cards and I appreciate it! Cons I think the software requires a fair amount of customization in order to the most out of it. Some of their features still need work, but Emburse is still being built out and they are always open to suggestions/feedback which goes a long way. Reason for choosing Emburse Cards Friendly and most effective integration with accounting software Review Source QO QUINNLI O. Product Manager Food & Beverages Used the software for: 1-2 years ### "Solid Product Coming from an Everyday User at a Small Food Tech Startup" August 13, 2019 5.0 Positive - it does lack a lot that a traditional business card would, but I guess it serves a different purpose? Or maybe you're getting there Pros Super easy to use and update Strong permissions built around who can spend when, where, etc. Categories feature is really helpful Cons You don't get any rewards or currency for using this vs other business cards Similarly, there's no purchase protection as there would be with business cards Review Source MB Melissa B. Accounts Payable Specialist Construction Used the software for: 6-12 months ### "Emburse" August 13, 2019 5.0 Before we started with Emburse we were getting receipts from every field worker and that added up to a lot of extra hours sorting and tagging to jobs and then having to cut a weekly check. After using Emburse, we've cut down so much time in the office by having the guys just upload a picture of their receipt and tag it to a job. They aren't putting cash out of their pockets and having to wait a few weeks for reimbursement. It's all done in one shot! Pros The software is very easy to navigate through. Cons So far, I have not found anything I do not like about it. Reason for choosing Emburse Cards We chose Emburse for the ease of the software for the admin and field workers. Review Source KK Kyle K. Founder Hospitality Used the software for: 2+ years ### "Instant infinite virtual cards" August 16, 2019 5.0 Pros No limit on the number of virtual cards allowed. Excellent customer service. Cons The Quickbooks integration could be a little bit better, it is a minor issue. Review Source GQ Gerald Q. Sr. Accounting Manager Accounting Used the software for: 6-12 months ### "Best decision to implement Emburse" August 13, 2019 5.0 Best decision ever to implement Emburse into our accounting procedures. Wish I had known about this sooner! Pros I love how easy the user interface is. It does what you want, when you want, and then more. It’s a 5/5 on all accounts. Cons If I had one “complaint” it would be that I didn’t discover this sooner. Reason for choosing Emburse Cards Great customer service/sales team, lower price than competitors, and reading great reviews from current users online helped us make our decision. Review Source AG Adam G. Growth Mgr Internet Used the software for: 1-2 years ### "Great Solution - Fantastic Customer Service" August 13, 2019 5.0 Pros Ease of use of the product for myself as the administrator and users. Reporting capabilities were great. Speed of deployment was quick and customer service repose time was also very good. Cons The software worked just as expected, I can't think of anything we didn't like. Review Source JV Jose V. Gm Accounting Used the software for: 2+ years ### "Convenient for SME's " August 14, 2019 4.0 Pros \- Ease of use - Secure - Great support - Fast turn around times Cons \- It did not have accounting software integration. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.