Cards your team loves. Controls your CFO trusts.
Issue unlimited virtual and physical cards with per-card limits, vendor locks, and 1.5% cashback on everything. Design yours on the right — it’s live before this page finishes loading.
No annual fees · No per-card fees · Cobalt Labs runs 340 active cards on Keelstone
Spend controls
Set the budget. The card enforces it.
Give every team a category limit and stop reviewing expenses after the money’s gone. Try an allocation — the donut and policy check react live.
Limits enforce at authorization time — a declined swipe, not a month-end surprise. Finance can adjust any limit in one click.
- Software33%
- Travel16%
- Ads40%
- Other11%
Rewards
1.5% back on everything, no fine print
Drag your monthly spend and see what the flat rate returns over a year.
- Flat 1.5% on every category — no quarterly games
- Cashback lands as a statement credit each month
- No caps, no points portal, no expiry
That’s $90.00 back every month on $60K of spend — enough to cover a few of those SaaS subscriptions you forgot about.
Expense automation
The month-end close, mostly automated
Receipts matching
Cardholders text or forward a receipt; Keelstone matches it to the transaction and files it for your accountants automatically.
Instant issue
Spin up a virtual card in seconds for a new vendor, a contractor, or a one-off purchase — straight into Apple or Google wallets.
Per-vendor locks
Lock a card to a single merchant so the AWS card only ever pays AWS. Compromised numbers become useless everywhere else.
Auto-categorization
Transactions land pre-coded to your chart of accounts with memo, receipt, and tax treatment attached. Review takes minutes, not days.
Why switch
Keelstone vs the card your bank gave you
| Capability | Keelstone | Legacy card |
|---|---|---|
| Instant virtual card issuance | ||
| Real-time spend controls per card | ||
| 1.5% cashback on all spend | ||
| No annual or per-card fees | ||
| Receipts matched automatically | ||
| Syncs to your ERP nightly | ||
| Accepted worldwide | ||
| No personal guarantee |
Issue your first card today
Onboard in a day, set your policy once, and let the cards do the enforcement. Cashback starts on the first swipe.