GuideLast checked 8 November 2026

Business accounts for SaaS and AI startups

Software startups pay for AI models, developer tools and workspace apps by card, often in US dollars. Incard pays cashback on many of those brands and gives you a USD IBAN.

By the editorial team. How we make money.

Why we pick Incard for SaaS and AI startups

OpenAI (ChatGPT), Anthropic, Replit, Twilio, SendGrid, Notion, Slack, Figma, Google Workspace, Webflow, Airtable: 1% back on the £0 Free plan
Uncapped cashback, team cards and GBP, EUR and USD IBANs, also on Free

cashback a year on Incard's Free plan from the example spend below. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

An early-stage software company's card bills are mostly subscriptions and usage-based charges: OpenAI and Anthropic for models, Replit, Twilio and SendGrid for building and messaging, and Notion, Slack, Figma and Google Workspace for the team.

All of those are on Incard's eligible software list. Add a launch ad budget on Google, LinkedIn or Meta and it earns the same higher rate.

Many of these tools bill in US dollars. Incard gives you GBP, EUR and USD IBANs, and charges a fee on card payments in a foreign currency, so check whether a merchant charges you in pounds or dollars.

Brands that earn cashback

**Table notes:** correct as of 8 November 2026, from Incard's Rewards Policy and pricing page. Plus rates are set per business. Only card payments where the merchant name matches the brand count.
Brand	Category	Free	Grow	Plus
OpenAI (ChatGPT)	Recurring software	1%	1.25%	from 1.5%
Anthropic	Recurring software	1%	1.25%	from 1.5%
Replit	Recurring software	1%	1.25%	from 1.5%
Twilio	Recurring software	1%	1.25%	from 1.5%
SendGrid	Recurring software	1%	1.25%	from 1.5%
Notion	Recurring software	1%	1.25%	from 1.5%
Slack	Recurring software	1%	1.25%	from 1.5%
Figma	Recurring software	1%	1.25%	from 1.5%
Google Workspace	Recurring software	1%	1.25%	from 1.5%
Webflow	Recurring software	1%	1.25%	from 1.5%
Airtable	Recurring software	1%	1.25%	from 1.5%

A worked example

A month of eligible card spend of £2,000 advertising, £3,000 recurring software:

**Table notes:** simple arithmetic at Incard's published rates, not a forecast. Plus uses its 1.5% floor; yearly billing on Grow and Plus costs less.
Plan	Monthly fee	Cashback a month	Cashback less fee
Free	£0	£50	£50
Grow	£49	£63	£14
Plus	from £199	£75	-£124

Try your own figures in the cashback calculator.

Check these before you apply

Incard doesn't accept businesses in these industries, which are on its restricted list:

Trading, exchange, mining or investment in digital assets
Cryptocurrency (trading, exchange and mining) and blockchain
Payment services provided without authorisation
Online file sharing

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

More: all guides, comparisons, how Incard cashback works.

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.