--- title: "Virtual Cards for Property Managers | Spend Controls by Topkey" description: "Instantly issue virtual cards with custom limits, spend controls, auto-receipts, and PMS-ready tagging. Perfect for vacation rental and property management teams." canonical: "https://topkey.io/features/virtual-cards" language: "en" --- Features / [Virtual Cards](https://topkey.io/integrations) # Virtual cards, real efficiency. Issue or connect virtual cards in seconds with custom limits, custom approval rules, and auto-receipt capture. Stop sharing cards and start controlling spend. [Book a demo](https://topkey.io/demo) Trusted by 340+ property managers and 50,000+ properties. Topkey 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 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. ## Smarter Cards. Stronger Controls. Create or connect secure, customizable cards for staff, vendors, or properties. Control spend before it happens, eliminate shared card chaos, and even connect existing virtual cards to see 100% of your transactions in one place. ### Create or connect cards instantly. Create or connect unlimited cards for staff, vendors, or properties in seconds—no waiting, no reimbursements. ### Custom limits & controls. Set spend caps, expiration dates, and vendor restrictions to prevent overspending and enforce policy automatically. ### Connect external cards. Connect your existing American Express, Visa, or Mastercard to automate your entire financial operation. ## Cards in seconds, not days. Issue unlimited virtual cards instantly for new hires, field staff, or properties. No more shared cards or delayed reimbursements. Topkey 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 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. ## Built-in spend controls. Set customizable card limits and monitor purchases in real time with receipts and property tags. ## Maximize card rewards. Bring your own Visa, Mastercard, or American Express business or corporate cards and earn your rewards. \*Topkey 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 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. ## 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 Stevens Co-Founder , Koloa Kai Vacation Rentals ## See the power of virtual cards. ## Explore More Topkey Features [Bring Your Own Card](https://topkey.io/features/bring-your-own-card) [Receipt Automations](https://topkey.io/features/receipt-automations) [PMS Automations](https://topkey.io/features/pms-automations) ## 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.