Credit, clarity, and expense control in one place
Company cards for every demand. The first integrated credit and expense solution purpose-built for the short-term rental industry.
Credit that works for
your business
Fast funding when you need it
Secure fast credit approval based on your current financial data on Guesty. Expedite credit with no paperwork and no red tape.
Real-time expense oversight
Monitor team spending with built-in controls. Gain complete visibility over all expenses from one dashboard.
Smarter cash flow management
Access advanced insights on expense patterns. Utilize real-time tracking to optimize resource allocation and support cost reduction.
Expense management
built for your success
Simplify expense approvals
Issue virtual and physical cards to your team, with automated tracking for complete expense transparency, without the administrative burden.
Customize spend control
Define a budget, expense category, and customized spending limits for each card to ensure every purchase aligns with your business goals.
Extract rich financial insights
Track spending patterns, compare costs across properties, and forecast cash flow needs with real-time reporting and advanced analytics.
Frequently asked questions
Here is what some of our customers needed to know
What is Guesty Card™?
Guesty Card is an integrated expense management solution purpose-built for the unique revenue cycles and operational needs of the short-term rental industry. It allows property managers to issue cards to their team, track spending in real-time, and manage all business expenses directly from the Guesty dashboard.
Is Guesty Card a debit or credit card?
Card is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account or Spender Balance.
What will my Guesty Card credit limit be?
Guesty Card provides a credit limit based on your business financials*. Unlike generic cards, it uses your current financial data within Guesty to determine your credit line, ensuring the solution understands your business’s specific cash flow patterns. * CapitalOS is a financial technology and lending company and not a bank. All users are subject to verification and underwriting approval. Cards issued by First Internet Bank of Indiana, Member FDIC. pursuant to a license from Visa, Inc. Credit products and underwriting are provided by CapitalOS and its banking partners
Can I issue physical and virtual cards?
Yes. You can issue physical cards for on-the-ground team members and virtual cards for mobile wallets, instant online purchases, software subscriptions, or vendor payments. Virtual cards can also be added to digital wallets like Apple Pay or Google Wallet.
How does the approval process work?
The approval process is streamlined and fast, often taking only minutes. Because the credit approval is based on your existing financial* data already within the Guesty platform, there is no need for lengthy paperwork or traditional “red tape”. * CapitalOS is a financial technology and lending company and not a bank. All users are subject to verification and underwriting approval. Cards issued by First Internet Bank of Indiana, Member FDIC. pursuant to a license from Visa, Inc. Credit products and underwriting are provided by CapitalOS and its banking partners
Do I need a high credit score to apply?
Guesty does not perform a credit check on you or your business and will not impact your credit score in any way. Guesty Card is designed to be accessible to hospitality pros. The primary driver for your credit line is your actual business performance, making it easier to secure funding when you need it.
How can I control what my team spends?
You can set granular, customizable spend limits per card, per category, or even per merchant. For extra oversight, you can enable text-based approvals, where managers receive an SMS to approve or decline a transaction on the go.
How do I track receipts and memos?
Guesty Card simplifies accountability by allowing team members to collect and upload receipts and add memos directly for every transaction. These are then centralized in your dashboard for easy reconciliation.
Can I freeze a card?
Yes. You have the power to instantly freeze or unfreeze any card directly from your dashboard if you suspect fraudulent activity or if a team member misplaces their card.
What do I do if I lose a card?
You can freeze your card while you’re looking for it, and in case you end up not finding it, you can cancel the card.
What security features are included?
Every Guesty Card is backed by robust fraud protection, including real-time alerts, Two-Factor Authentication (2FA), and an in-dashboard dispute management system.
How does Guesty Card help with owner transparency?
By centralizing all property-related expenses in one platform, you gain real-time visibility into your spending. This allows you to optimize budgets and provide owners with immaculate, transparent financial records that build trust.