In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Frequently asked questions
  • Your reviews

Moss Corporate Card review 2024

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Moss Business Cashback Card
3.5
★★★★★
Finder score
Earn rate
2p per £1 spent

Our verdict

Berlin-based digital financial management company Moss officially launches its new business charge card in the UK. Here’s what we know so far.

As more digital financial management platforms are popping up with new business charge cards, you may be thinking, what makes Moss any different? In its very short time of launching, Moss has started to make big waves in the fintech industry and has been rumoured to be on track for unicorn status. Offering its customers an integrated financial management platform and high credit limits, the Moss Corporate card could be a good option if you are looking for an all-in-one system, with the added bonus of earning cashback whilst you spend.

So what’s not so great about the Moss Corporate card? Well, for starters, as a German company dealing in Euros, it is unclear of any foreign exchange (FX) fees that Moss charges for its UK-based clientele. Once you have applied, you might be able to discuss this concern with your account manager, but it is not currently disclosed in the payment plans. And if you’re looking for a card that gets you more bang for your buck, yes, it’s great that you can earn cashback on your everyday business expenses, but you have to reach a "high transaction volume" to receive the option of cashback.

That being said, Moss’s current customers rave about the easy-to-use nature of the system and how helpful the client management are with any queries.

Whether you’re in the researching stage or ready to apply for a Moss card, there are plenty of business credit and charge cards available on the market. You can start comparing the best cards that will work for you and your business’s needs.

Pros

  • High credit limits
  • All-in-one integrated system
  • Custom spending limits
  • Flexibility to choose whether you want a credit or debit card
  • Moss offers a demo before you apply
  • Option to earn cashback (subject to transaction volume)

Cons

  • Subscription fee
  • Other business cards offer higher cashback
  • Negative reviews for their sales team
  • Unclear FX charges

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
  • Frequently asked questions
  • Your reviews

Moss Credit (although technically a charge card) works on a subscription-based service, offering high credit limits and cashback on business spending.

Details

Product Overview

Issuer Transact Payments
Network Mastercard
Annual/monthly fees Subject to plan
Purchases N/A (this product is a charge card).
Maximum credit limit Subject to status: £2,500,000
Incentive
2% cashback for eligible customers, capped at the platform fee.
Potential costs 4.0 ★★★★★
Doing its job 3.5 ★★★★★
Extras 2.5 ★★★★★
Overall Finder Score 3.5 ★★★★★

Fees and charges

Annual/monthly fees Subject to plan
Late payment fee £0

Application Requirements

Minimum Age 18
Min income Not specified
Minimum turnover £2,000,000
Minimum trading period 4 years
Additional Criteria Any registered company with over 10 employees can apply to become a Moss customer.

The Moss Business Cashback Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

Who is Moss?

Moss is a Berlin-based digital financial management company (not a bank) offering monthly credit limits of up to £2,500,000 to SMEs.

Co-founded by Ante Spittler, Anton Rummel, Ferdinand Meyer and Stephan Haslebacher, Moss aims to help its customers “efficiently manage payments, financial processes and cash flow” on the Moss platform.

Since launching in 2020, Moss has received over €130 million in funding from global investors and has recently closed its Series B funding round of €75 million (February 2022). Could Moss be on track to achieve unicorn status?

What is the Moss Corporate card and how it works

The Moss Corporate card is a charge card (not a credit card) aimed to help SMEs manage their business expenses. Although Moss does offer you the flexibilty to choose credit or debit, a unique feature in the business card market.

Once you have successfully applied for a Moss business card and connected your current business accounts, you and your employees will be able to start using the cards on your everyday business expenses. With the integrated account management system, you have the ability to monitor all card spend and set personalised spending limits for your employees.

You might be asking yourself, so, when can I start earning cashback? Only customers with “high transaction volumes” can gain the option of cashback.

Moss offers 3 subscription plans depending on your company size and what features you need from the card. Before you apply, you can get a taste of the Moss Corporate card and request a demo.

Features

  • Physical and virtual cards. If your application is successful, you will receive 1 physical plastic card and can request additional physical cards. You will also have access to unlimited virtual cards.
  • Monthly credit limits of up to £2,500,000. Depending on the subscription plan you choose, you could receive spending limits of up to £2,500,000 (subject to status).
  • Manage employees’ spending limits. As the account holder, you can customise and manage the credit limit for each individual card.
  • Manage your Moss account using the dashboard. You can manage your business’s spending through the Moss platform, which is currently available on PC, iOS and Android. With the dashboard, you can see how much credit you have available to use, when your next billing will take place and approve/decline payment requests.

Moss app features

Moss customer reviews

Moss has received fairly positive reviews from customers, according to customer review sites like TrustPilot.

It currently has a TrustPilot rating of 4.0 out of 5, based on 119 reviews (updated November 2023). Reviewers who rated the card highly, stated that the process is quick and easy to set up and maintain. One customer even said that it “simplifies expense management.”

On the flip side, Moss’s customers who rated the card 1 out of 5 have complained that the Moss sales team can come across as “pushy”.

Trustpilot Apple App Store Google Play

★★★★★

4.0 out of 5
Based on 119 reviews (updated November 2023)

★★★★★

5 out of 5
Based on 2 reviews (updated November 2023)

★★★★★

4.5 out of 5
Based on 29 reviews (updated November 2023)

Bottom line

If you’re looking for a business card that comes with its own integrated account management system, customisable spending limits for your employees and the added bonus of earning cashback on eligible spend (albeit it is only a small amount compared to other cards on the market), the Moss Corporate card could be a good option to consider.

Whether you’re in the researching phase or you are ready to apply, the appealing option of a demo might be able to help you answer any questions that you may have before committing to a card – especially a card that comes with a monthly subscription fee.

If you’re thinking about getting a business credit card and aren’t sure which one to pick, take a look at our business credit card comparison page.

How to apply for the Moss Corporate card

Try before you buy and request a demo via the Moss website. With the demo, you can discuss your business’s needs and what subscription plan would work best for you and your employees. You will also be able to discuss spending limits and repayment terms.

Once your demo is completed, your onboarding contact will discuss next steps.

Customer support

To contact customer support, you can call 020 4571 2718, or you can email support@getmoss.com. Services are available from Monday to Friday between 9 am and 6 pm.

How does it compare?

Moss's card

1 - 1 of 1
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Moss Business Cashback Card
3.5
★★★★★
N/A (this product is a charge card).
Subject to plan
2% cashback
N/A (this product is a charge card).
Go to siteCard details
2% cashback for eligible customers, capped at the platform fee.
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Other popular business cards

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1 - 20 of 33
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Funding Circle Business Cashback Card
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34.9%
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Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
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36.19% APR (variable)
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Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 36.19% APR (variable).
Funding Circle FlexiPay Business Credit Card
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0% interest, flat fee per transaction
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0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months.
Representative example: If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
CASHBACK
Moss Business Cashback Card
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★★★★★
N/A (this product is a charge card).
Subject to plan
2% cashback
N/A (this product is a charge card).
Go to siteCard details
2% cashback for eligible customers, capped at the platform fee.
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
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★★★★★
27.1%
£0
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27.1% APR (variable)
Go to siteCard details
Get 1% cashback uncapped on all your business spend when you spend at least £2,000 per statement month. T&Cs apply*
Representative example: When you spend £1,200 at a purchase rate of 27.1% (variable) p.a., your representative rate is 27.1% APR (variable).
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Capital on Tap Business Rewards Credit Card
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Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 59.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Charge Card
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N/A (this product is a charge card).
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3.6% APR (variable)
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Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
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American Express Business Gold Card
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Get up to 40,000 Membership Rewards® points by earning 4 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
British Airways American Express® Accelerating Business Card
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★★★★★
28.2%
£250 per annum
1.5 Avios per £1 spent
107.8% APR (variable)
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Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.2% (variable) p.a. with a fee of £250 per annum, your representative rate is 107.8% APR (variable).
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OFFER
American Express Business Platinum Card
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★★★★★
N/A (this product is a charge card).
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1 points per £1 spent
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Get up to 80,000 Membership Rewards® points by earning 8 points per £1 in the first 3 months. Offer ends 22 October 2024. No minimum spend required. Terms apply.
Barclaycard Premium Plus Credit Card
3.9
★★★★★
0% for 6 months reverting to 19.9%
£150 per annum
0.5% cashback uncapped*
56.4% APR (variable)
Go to siteCard details
*Get 0.5% cashback on your business spend up to £400 per year and benefits for using your card for day-to-day business and travel. £150 a year. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a. with a fee of £150 per annum, your representative rate is 56.4% APR (variable).
The Co-Operative Bank Business Credit Card (existing customers only)
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Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £24 per annum, your representative rate is 21.8% APR (variable).

The Co-Operative Bank Business Charge Card (existing customers only)
Not yet rated
N/A (this product is a charge card).
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N/A (this product is a charge card).
Go to siteCard details
CASHBACK
Juni Business Card (only for ecommerce companies)
4.0
★★★★★
N/A (this product is a charge card).
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AIB Visa Business Card
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AIB Visa Business Gold Card
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Allstar Plus ‘All-in-one’ Business Fuel Card
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Metro Bank Business credit card (only available to existing business customers)
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Payhawk Corporate Visa Card
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HSBC Commercial Credit Card Visa
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score business credit and charge cards to determine their value against similar products on the market. We look at a number of important factors, like the flexibility it offers, any rewards you can earn through company spending, account management tools, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Frequently asked questions

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