Not every company wants to sit through a sales call before it can issue a single card. If a genuinely free plan, not a 14-day trial dressed up as one, is the deciding factor, only two of the five platforms in this comparison actually qualify.
Pleo's free plan covers up to 3 users with no time limit, and it includes both physical and virtual cards plus automatic receipt matching. For a solo founder or a two-person team, this is the closest thing to a free business expense card that still feels like a full product rather than a stripped-down demo.
Read full review →Soldo's free plan is the other genuinely usable option, and it's the stronger pick if you want spend-control features (card-level limits, instant freezing) without paying for them. The interface asks a bit more setup effort than Pleo's, but nothing is gated behind a paywall that shouldn't be for a small team.
Read full review →Moss, Spendesk, and Payhawk all run on custom, sales-led pricing with no free tier at all, so none of them belong on a "free" list. Moss is included here only as the next step once a team outgrows Pleo or Soldo and needs invoice management alongside cards, at which point free is no longer the priority anyway.
Read full review →See the full side-by-side comparison table with pricing and features.