# Simple, transparent pricing

No hidden fees. No surprises. Choose the plan that fits your business and scale as you grow.

[Open an account](https://web.limitedapp.com/signup) · [Talk to sales](https://www.limitedapp.com/en/contact)

**Page title:** Card tiers and pricing  
**Summary:** Compare Limited card tiers for businesses and individuals. Membership fees, rewards and perks for every tier in one place, so you can pick the card that fits.  
**URL Source:** https://www.limitedapp.com/en/pricing  
**Language:** English (en) · Also available in: [Español (es)](https://www.limitedapp.com/es/pricing.md), [Português (pt)](https://www.limitedapp.com/pt/pricing.md), [简体中文 (zh)](https://www.limitedapp.com/zh/pricing.md), [繁體中文 (zh-HK)](https://www.limitedapp.com/zh-HK/pricing.md)

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## Corporate

Prices in USD.

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Membership Fees | Free | $99.99/year · $9.99/month | $449.99/year · $44.99/month |
|  | Your entry to premium banking | Elevated rewards for everyday spending | Premium benefits for the discerning customer |
|  | [Open an account](https://web.limitedapp.com/signup?tier=business_white) | [Open an account](https://web.limitedapp.com/signup?tier=business_silver) | [Open an account](https://web.limitedapp.com/signup?tier=business_gold) |

### Card Features

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Card Material | Standard Plastic | Matte | Metal |
| Card Design | Classic White | Brushed Silver Finish | Premium Gold Finish |
| Contactless Payment | Included | Included | Included |
| Virtual Cards | 2 Free | 5 Free | Unlimited |
| Card Replacement | $25 Fee | Free Standard Shipping | Free Express Shipping |

### Rewards & Cashback

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Cashback on All Spend | 1% | 2% | 3% |
| Category Bonuses | 1X Dining & Quick Service · 1X Groceries & Supermarkets · 1X Online Shopping & Delivery · 1X Streaming & Entertainment | 1.5X Dining & Quick Service · 1.5X Groceries & Supermarkets · 1.5X Online Shopping & Delivery · 1.5X Streaming & Entertainment | 2X Dining & Quick Service · 2X Groceries & Supermarkets · 2X Online Shopping & Delivery · 2X Streaming & Entertainment |
| Points Value | $0.01 per point | $0.01 per point | $0.01 per point |
| Featured Offers | 5 featured | 5 featured | 5 featured |

### Travel Benefits

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Airport Lounge Access | Visa Airport Companion | Visa Airport Companion | Priority Pass + Airport Companion |
| Car Rental Insurance | Worldwide Coverage | Worldwide Coverage | Worldwide Coverage |

### Lifestyle Benefits

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Concierge Service | 24/7 Worldwide | 24/7 Worldwide | 24/7 Worldwide |
| Hotel Status | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection |
| Purchase Protection | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days |
| Extended Warranty | +1 Year (up to $5,000) | +1 Year (up to $5,000) | +1 Year (up to $5,000) |
| Price Protection | $500/item · $2,000/yr | $500/item · $2,000/yr | $500/item · $2,000/yr |

### Account Features

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Authorized Users | 1 Free | 3 Free | Unlimited Free |
| Sub-accounts for Family | Not Included | Included | Included |
| Spending Controls | Basic | Basic | Advanced |
| Real-time Notifications | Included | Included | Included |
| Expense Management | Not Included | Categories Only | Full Suite |

### Fees & Charges

| Feature categories | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Annual Fee | Free | $99.99/yr or $9.99/mo | $449.99/yr or $44.99/mo |
| Foreign Transaction Fee | 2.50% | 1% | 0% |
| APR | 18.99% - 25.99% | 16.99% - 23.99% | 14.99% - 21.99% |
| Cash Advance Fee | 5% Min $10 | 3% Min $10 | 3% Min $10 |
| Late Payment Fee | Up to $39 | Up to $39 | Waived Once/Year |
| Over Limit Fee | $35 | No Fee | No Fee |

## Personal

Prices in USD.

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Membership Fees | Free | $69.99/year · $6.99/month | $449.99/year · $44.99/month |
|  | Your entry to premium banking | Elevated rewards for everyday spending | Premium benefits for the discerning customer |
|  | [Open an account](https://web.limitedapp.com/signup?tier=personal_white) | [Open an account](https://web.limitedapp.com/signup?tier=personal_silver) | [Open an account](https://web.limitedapp.com/signup?tier=personal_gold) |

### Card Features

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Card Material | Standard Plastic | Matte | Metal |
| Card Design | Classic White | Brushed Silver Finish | Premium Gold Finish |
| Contactless Payment | Included | Included | Included |
| Virtual Cards | 2 Free | 5 Free | Unlimited |
| Card Replacement | $25 Fee | Free Standard Shipping | Free Express Shipping |

### Rewards & Cashback

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Cashback on All Spend | 1% | 2% | 3% |
| Category Bonuses | 1X Dining & Quick Service · 1X Groceries & Supermarkets · 1X Online Shopping & Delivery · 1X Streaming & Entertainment | 1.5X Dining & Quick Service · 1.5X Groceries & Supermarkets · 1.5X Online Shopping & Delivery · 1.5X Streaming & Entertainment | 2X Dining & Quick Service · 2X Groceries & Supermarkets · 2X Online Shopping & Delivery · 2X Streaming & Entertainment |
| Points Value | $0.01 per point | $0.01 per point | $0.01 per point |
| Featured Offers | 5 featured | 5 featured | 5 featured |

### Travel Benefits

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Airport Lounge Access | Visa Airport Companion | Visa Airport Companion | Priority Pass + Airport Companion |
| Car Rental Insurance | Worldwide Coverage | Worldwide Coverage | Worldwide Coverage |

### Lifestyle Benefits

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Concierge Service | 24/7 Worldwide | 24/7 Worldwide | 24/7 Worldwide |
| Hotel Status | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection |
| Purchase Protection | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days |
| Extended Warranty | +1 Year (up to $5,000) | +1 Year (up to $5,000) | +1 Year (up to $5,000) |
| Price Protection | $500/item · $2,000/yr | $500/item · $2,000/yr | $500/item · $2,000/yr |

### Account Features

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Authorized Users | 1 Free | 3 Free | Unlimited Free |
| Sub-accounts for Family | Not Included | Included | Included |
| Spending Controls | Basic | Basic | Advanced |
| Real-time Notifications | Included | Included | Included |
| Expense Management | Not Included | Categories Only | Full Suite |

### Fees & Charges

| Feature categories | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Annual Fee | Free | $69.99/yr or $6.99/mo | $449.99/yr or $44.99/mo |
| Foreign Transaction Fee | 3% | 2% | 0% |
| APR | 18.99% - 25.99% | 16.99% - 23.99% | 14.99% - 21.99% |
| Cash Advance Fee | 5% Min $10 | 3% Min $10 | 3% Min $10 |
| Late Payment Fee | Up to $39 | Up to $39 | Waived Once/Year |
| Over Limit Fee | $35 | No Fee | No Fee |

## Straight answers on what Limited costs

Prices, fees and limits in these answers come from the same live card data as the tiers above. Anything not listed here is shown in the app before you confirm.

**Is the Business White card really free?**

Yes. Business White has no monthly or annual membership fee and no charge for the physical card, and it includes 2 virtual cards. You pay only the usage-based fees in the comparison table, for example 2.50% on purchases in a foreign currency and, if you run the card in credit mode, the APR and cash-advance, late-payment and over-limit fees listed for White.

**How does Limited make money?**

From Silver and Gold memberships ($99.99 and $449.99 per year, or billed monthly), the usage fees in the comparison table (foreign-currency transactions, cash advances, late and over-limit payments, card replacement), interest on credit-line balances, and fees or exchange-rate margins on some transfers and payout rails. Every fee and margin is shown in the quote before you confirm a transaction.

**What do currency conversion and foreign transactions cost?**

On cards, the foreign transaction fee depends on the tier: 2.50% on Business White, 1% on Silver and 0% on Gold. On transfers and exchanges, including stablecoin conversions, any margin is included in the rate you are quoted, and the quote shows a full breakdown of fees before you confirm. For remittances, the quoted rate is locked for 96 hours once you initiate the transfer.

**What are the card spending limits?**

Each tier has built-in limits. Business White: $5,000 per transaction, $10,000 per day and $50,000 per month. Silver: $10,000, $25,000 and $100,000. Gold: $50,000, $100,000 and $500,000. You can set lower limits per card, cardholder or department and change them at any time in the app.

**Can I upgrade, downgrade or cancel?**

Yes. You pick White, Silver or Gold when you create a card and can change tier from the app; a mid-month change is prorated for the days remaining in the month, and the next charge falls on the 1st. Memberships are billed monthly or annually in USD, can be cancelled at any time in your account settings, and are non-refundable for the period already paid. Any individual card can be frozen or cancelled instantly.

**Which countries can I open local accounts in?**

The US (USD), the EU (EUR), the UK (GBP), Mexico (MXN) and Brazil (BRL), among others — all in your company’s name and without a local entity. You activate each account from the Get Paid page by choosing the country and currency; some accounts go through a short review before they are active.

**Who holds my money, and is it insured?**

Limited is not a bank. USD balances are held at FDIC-insured partner banks; FDIC insurance protects you if the partner bank fails, not if Limited does. Stablecoin balances and local-currency accounts outside the US are not FDIC-insured. When you activate an account you choose how incoming payments are credited, for example as USD or as USDC.

[See the current partner institutions on our legal page](https://www.limitedapp.com/en/legal)

**How long does it take to open an account?**

Less than 10 minutes to set up and onboard your business. You sign up with a phone number and email, verify the identity of the account owner, then submit your company details and documents; your business profile activates once verification is approved. Everything happens in the web app — no paperwork to mail, no branch visit.

**Do I need a US company to open an account or get a card?**

No. You choose your country at signup and verify the company you already have; no US business entity is required. Local accounts in other markets work the same way, without a local entity.

**Are there ATM fees?**

Limited’s own ATM fee is waived on Business Gold. On the other tiers, the ATM fee in the in-app Fee Schedule applies, and ATM operators may add their own charge. You can allow or block ATM withdrawals per card.

## See how Limited can work for you

Get a personalized demo from our team and discover how to streamline your financial operations.

[Open an account](https://web.limitedapp.com/signup) · [Talk to sales](https://www.limitedapp.com/en/contact)

- **Sales:** sales@limitedapp.com
- **Support:** support@limitedapp.com
- **Press:** press@limitedapp.com
- **Headquarters:** Limited, Inc., 600 California Street, 11th Floor, San Francisco, CA 94108, United States

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> Limited is a financial technology company, not a bank. Limited, Inc. is a technology services provider and the administrator of the Limited Card Program, Limited Pay and Limited Chroma, among other programs and services. USD balances are held in accounts at FDIC-insured partner banks. FDIC insurance protects against the failure of the insured bank, not the failure of Limited, and depends on pass-through requirements being met. FDIC insurance does not cover stablecoin balances or local-currency accounts held outside the United States. Limited's services may incur transactional, cross-border and/or financing fees, as well as the costs of Limited's third-party service providers. Because Limited operates under many regulatory regimes, the way its solutions and services are provided differs by region. [See our partner institutions.](https://www.limitedapp.com/en/legal)

Last updated: 2026-09-16 (rendered from the live site sources) · Canonical: https://www.limitedapp.com/en/pricing · Markdown: https://www.limitedapp.com/en/pricing.md · Index: https://www.limitedapp.com/llms.txt · Sales: sales@limitedapp.com · Support: support@limitedapp.com