Build Business Credit with the Relay Visa® Credit Card | Relay

Most small businesses get a credit card early.

They choose whatever is easiest to qualify for. Whatever offers the highest cash back. Whatever their accountant or friend recommends.

But few stop to ask: is this card helping me build long-term financial stability for my business?

With the Relay Visa® Credit Card¹, the answer is yes.

We’ve expanded access to our credit card and now report payment history to all three major business credit bureaus. That means you can build business credit while managing cash flow inside Relay, with built-in spend controls and centralized visibility.

¹Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Relay Visa® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used anywhere Visa credit cards are accepted.

Your business can build its own credit profile

Strong business credit opens doors, including:

Better approval odds for lines of credit
More favorable lending terms
Greater separation between personal and business finances
Increased credibility with vendors and partners

Historically, many small business credit cards have relied heavily on personal guarantees and personal credit scores. Even when you operate responsibly, your business may not be building meaningful credit history.

Relay is changing that.

When you use the Relay Visa® Credit Card and pay on time, your business builds credit history across all three bureaus:

Dun & Bradstreet
Experian Business
Equifax Business

Responsible usage today can strengthen your financing options tomorrow.

Built to last: a real-world example

One Relay customer, a contractor in Texas, is rebuilding his company after a business partnership went wrong and his personal credit took a hit.

Now he’s starting over. He’s projecting $60,000 to $80,000 in monthly revenue during peak season. He’s paying for vans and equipment in cash. He manages one company during the day and runs service calls at night for his own.

What he wants isn’t reckless access to credit, but a better foundation for the future.

“Realistically, long-term for my business to remain sustainable, I need credit accounts established with my business. Even if it’s a smaller limit. I just want someone to give me a little leap of trust.”

He can cover expenses with debit. He runs lean. He reinvests everything.

But long term, he’ll need vehicle financing. Equipment. Working capital during peak season.

For business owners like him, a business credit card is about building a track record under the company’s name so future financing decisions reflect the strength of the business, not just personal history.

Credit powered by healthy cash flow

Relay now supports more businesses to qualify for the Relay Visa® Credit Card¹ by taking into account healthy financial behavior, including consistent revenue and strong cash management.

To be eligible, your business must be U.S.-incorporated and operated, structured as an LLC, General Partnership, or Corporation, and owned by U.S.-based beneficial owners.

From there, your business can qualify through one of two paths:

Option 1

$75,000 or more in average monthly revenue over the last 3 months
At least 12 months in business

Option 2

$20,000 or more in average monthly revenue over the last 3 months
At least 6 months in business
Maintain at least $25,000 in Relay at the time of application

This approach recognizes that healthy businesses are built in different ways. Some scale quickly in revenue. Others run leaner operations with strong reserves and disciplined cash management.

If your business meets one of these paths, you may be eligible for the Relay Visa® Credit Card.

Credit cards that work with your entire Relay system

The Relay Visa® Credit Card becomes part of your centralized money management platform.

Flexible 30-day payback period

This gives you breathing room to manage timing between expenses and incoming revenue without carrying revolving debt.

Automatic payment from your selected Relay checking account¹
Option to set a backup payment account so transactions never fail
No annual fees, including for team cards

Cash back on everyday spend

Earn cash back on eligible purchases.

1% cash back* when you subscribe to the Starter plan
1.25% cash back* when you subscribe to the Grow plan
1.5% cash back* when you subscribe to the Scale plan

Built for team spending

Enable your team to spend confidently while maintaining full control.

Up to 5 virtual or physical credit cards per cardholder per checking account
Assign cards to employees
Set spending limits per card
Restrict by vendor or category
Use custom card designs to stay organized at checkout

Bookkeeping, simplified

Every transaction flows directly into Relay, making month-end cleanup faster and cleaner.

Detailed merchant data
Built-in receipt capture
Downloadable statements in multiple formats
Integrated expense management with QBO and Xero

The Relay Visa® Credit Card¹ extends your cash flow without disrupting payroll and other cash-only obligations. It adds flexibility while preserving visibility.

The right credit card should do more than cover expenses. It should strengthen your cash flow and help your business build a lasting financial foundation.

Sign up for Relay to get started.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.