--- title: "Connect Your Credit Cards to Topkey | American Express, Visa, Mastercard | Automate Spend & Receipts" description: "Connect your Visa, Mastercard, or Amex to Topkey for instant transaction alerts, auto-receipts, property tags, and full visibility—while keeping your existing rewards." canonical: "https://topkey.io/features/bring-your-own-card" language: "en" --- Features / [ Bring Your Own Card ](https://topkey.io/integrations) # Automate your credit cards. Connect your eligible business credit cards to Topkey for real-time controls, property tagging, and 100% visibility while keeping your favorite rewards program. [Book a demo](https://topkey.io/demo) Trusted by 340+ property managers and 50,000+ properties. ## Keep your cards. Gain control. Connect any eligible Visa, Mastercard, or American Express card. Topkey lets you keep your existing cards and rewards, while adding powerful automations, tracking, and visibility. ### Automate your receipts. Stay with the cards you already love. Topkey adds AI-powered receipt capture, categorization, spend controls, and PMS sync. ### No broken bank feeds. Skip broken bank feeds and delayed data. Topkey connects directly to your cards for instant transaction alerts and automated coding. ### Maximize your rewards. Connect your corporate cards to Topkey and keep earning your points and perks. No need to switch to a new card program to access our automations. ## Any card, one platform. Connect your existing virtual or physical credit cards directly to Topkey. No new accounts or card changes required. ## Unified expense view. See every transaction from every card in one dashboard. Topkey consolidates all card spend data, giving you complete visibility in real time. ## Keep your rewards. Continue earning all the points, miles, and cash back on your current cards. Topkey’s platform adds automations and tracking without sacrificing any of your rewards. ## Customer Testimonials It's just me handling the books, and Topkey makes it manageable. No receipts slip through the cracks, we've easily saved 10–15K per month. Heather Petty Accounting Manager , The Clear Creek Group Topkey has given me back 20 hours a week. Each team member has a card and expenses track themselves, it's stopped the constant interruptions for purchase approvals. Vicki Osborn Operations Accountant U.S. Division , Andes STR Before Topkey, we managed credit cards in giant, color-coded spreadsheets across three people, taking 25 hours a week. Now it’s down to 6 hours total and takes one less person to finish it. Natalia Enos Revenue Manager , MyOceanRental We've looked at solutions like Ramp and Bill.com. But what I love about Topkey, and why I don’t really think there's anything to compare it to, is that it's catered specifically to the vacation rental industry. Aidan Groll Founder , Blue Gems Management On the back end, it’s so easy to add or remove users, cards, or properties. It only takes a minute to add a property. You can deactivate a card in 30 seconds. It’s super user-friendly. Riley Goldman CEO , Beachside VR Topkey stood out right away because it supports external credit cards. Bill.com and Ramp require you to use theirs, and Expensify turns it into a guessing game. Angie Stone Senior Controller , SPRCHRGR Now even as we get more properties, my workload isn’t going up. Most of it is automated. Luke Brannon Owner , Grand Welcome Orange Beach Topkey is removing obstacles for the people on the ground to get their job done. Jed Stephens Co-Founder , Koloa Kai Vacation Rentals ## Ready to automate your cards? ## Explore More Topkey Features [ AI Accounting ](https://topkey.io/features/ai-accounting) [ Approval Workflows ](https://topkey.io/features/approval-workflows) [ Invoicing ](https://topkey.io/features/invoicing) ## 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.