Credit card

Apply for the Every credit card, then track your balance, payments and statements

Banking → Credit card is where you apply for the Every credit card and manage it once you’re approved. Company Admins and Bookkeepers can use it from the sidebar after your company finishes onboarding.

Every turns on the credit card company by company. If you don’t see it, email [e-mail] to ask about it.

Apply for the credit card

The application has two screens, Connect accounts and Review & submit.

1. Start the application

   Select Apply now.

2. Add a bank account

   Optional: under Connected accounts, you see your Every accounts and the bank accounts you’ve connected. To connect another bank through Plaid, select Add new account.

3. Connect your accounting software

   Select Connect bookkeeping software, then choose your provider, such as QuickBooks Online or Xero. If you can’t find your software in the list, select Upload financials and upload your statements for manual review instead.

   If you see Connect QuickBooks instead, connecting it is optional.

4. Choose who repays your balance

   Under Set primary account, choose the Primary account that pays your balance. Optional: choose a Backup account for when the primary doesn’t have enough.

5. Add your details

   Under Additional information, enter your Estimated monthly card spend and choose your Number of employees. Under Card shipping address, enter where to send your physical card.

6. Continue

   Select Next.

7. Accept the terms

   On Review & submit, under Terms & conditions, select each checkbox. They include authorizing Every to access your business bank account information and perform a soft credit inquiry, and to debit your account to repay your balance.

8. Submit

   Select Confirm & submit. The page then shows Application in review.

You can’t continue from Connect accounts if:

• You haven’t chosen a primary account.
• The page shows Connect bookkeeping software and you haven’t connected your software or uploaded financials. The page says “Connect your accounting software to continue.”
• Your connected accounts are below the minimum balance and the page says “You don’t qualify for credit yet.”

After you apply

What you see	What it means
Application in review	Every is reviewing your application
Application rejected	Every is unable to offer your business a credit card at this time, and lists the reasons when there are any. Select Apply again if your circumstances change, or Go to Cards to open Company cards and use debit cards
Application approved	Your Approved limit and how Payments are collected. Select Continue to open your credit card

Your credit card

Once you’re approved, the page shows your balance, next payment, available credit and credit limit. It lists the account’s credit cards while the account is open, and up to 10 recent transactions. The arrow beside each list opens Company cards or Transactions. If your company earns cashback, Settings also shows your Cashback level.

Your credit card’s fees are in the Every Charge Card Cardholder Agreement, which the application asks you to accept.

Make a payment

Make a payment appears when you have a balance and your account isn’t frozen.

1. Start the payment

   Select Make a payment.

2. Enter the amount

   In Amount, enter how much to pay, up to your balance.

3. Choose the account

   Under Choose account, select the account to pay from.

4. Review the payment

   Select Review.

5. Pay

   Select Confirm and pay. Every shows “Payment submitted.”

Download a statement

1. Open your statements

   In the menu next to Make a payment, select Download statement. The item is unavailable until you have a statement.

2. Choose the year

   If you have statements from more than one year, choose the year.

3. Choose the month

   Select the month you need.

Change who repays your balance

1. In Settings, select Autopay & linked accounts.
2. In an account’s menu, select Set as Primary or Set as Backup.

You can’t remove the primary account until you set another one.

A change that would lower your credit limit takes effect after your next repayment. Until then you can select Cancel change.

Redeem reward points

If Settings shows Points, that’s your own reward balance.

1. Open your rewards

   In Settings, select Points. Redeem Rewards opens.

2. Choose the receiving account

   If Select bank account appears, choose the account the money goes to, or add one.

3. Enter the points

   In Amount, enter how many points to redeem, up to your balance. When a rate is available, Rate and Your Total show what the points are worth.

4. Submit

   Select Submit.

For help with a missing Points row, bank details or a redemption that hasn’t arrived, email [e-mail].

If your account is frozen

If the frozen-account banner offers Make a payment, select it to pay your full balance. The account unfreezes once the payment clears and no balance remains.

If the banner says the combined balance of your primary and backup accounts is below the required minimum:

1. Open your linked accounts

   Select Link a bank account to open Autopay & linked accounts.

2. Connect an account

   Optional: select Add account to connect another account.

3. Choose the repayment account

   In the account’s menu, select Set as Primary or Set as Backup.

This low-balance freeze lifts when the combined balance meets the required minimum. For help with a freeze that remains, email [e-mail].

If one of your accounts disconnects, a banner says so.

1. Select Open linked accounts.
2. In that account’s menu, select Reconnect.