--- title: "Topkey + American Express" description: "Enjoy the functionality of Topkey alongside your eligible U.S. Business or Corporate American Express Cards." canonical: "https://topkey.io/american-express" language: "en" --- # American Express® Integration Enjoy the functionality of Topkey alongside your eligible U.S. Business Card(s), U.S. Corporate Card(s), or U.S. Corporate Purchasing Card(s). Enrollment is required and fees may apply with Topkey. [Book a demo](https://topkey.io/demo) Illustration Purposes Only ##### Payments and Expense Management ## Give your employees time back through simplified expense management and reporting. Help organize spending with unique virtual Cards by employees, clients, projects, vendors, or other expense categories.³ Help manage budgets specific to projects and maintain visibility and control over spending with spending limits and expiration dates. Illustration Purposes Only Illustration Purposes Only ##### Cash Flow Management ## Make your American Express Cards work for you. Pay suppliers using on-demand virtual Cards and take advantage of your American Express billing cycle to manage cash flow for your business until your Card payment is due. ##### Rewards ## With Topkey there are even more reasons to love your Card. When you add your eligible American Express Card to Topkey to make payments, you can earn the same rewards[²](#amex-footnote) you currently earn but with the added benefit of being able to manage your spending in one place. Illustration Purposes Only ##### Improved Reconciliation ## Streamline bookkeeping and make reconciliation more efficient. Topkey’s integration with American Express allows Card Members to access American Express Card transaction data within Topkey’s platform, reducing manual processes and improving reconciliation. ##### Security ## Pay with enhanced security. Virtual Cards offer enhanced payment security by removing the need for merchants to see or store their underlying American Express Card account number. Enable employees, freelancers, and subcontractors to make payments on your behalf without sharing your physical Card. ##### Gain control & visibility ## Virtual Cards offer enhanced control and visibility into your payments. Establish specific controls for each on-demand virtual Card payment, including setting spending limits, and expiration dates. Approve, modify, or cancel virtual Cards at any time. Get visibility on the billing statement for your eligible American Express accounts enrolled in Topkey, by seeing on-demand virtual Card transactions. ## Ready to be the back office hero? 2 | Not all Cards are eligible to get rewards. Terms and limitations vary by Card type. 3 | To generate American Express virtual Cards through Topkey, you must be an American Express Corporate, American Express Business, or American Express Corporate Purchasing Card Member. Separate enrollment with Topkey and American Express is required to utilize combined product offering. To make an American Express Card payment to a vendor through Topkey, the vendor must be an American Express accepting merchant. There is no fee to generate American Express virtual Cards. Certain features, upgrades, and additional payment methods may require separate activations and fees may apply. Topkey is solely responsible for determining any and all fees associated with their product. Please contact your Topkey representative to learn more. ## Disclosures \*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through 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 Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. \*\*Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.