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TL Virtual Card pricing

No set-up charge. No monthly fees.

Pay eligible suppliers by TL Virtual Card and earn cashback on that spend, paid to you monthly.

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What you pay

What you pay.

Set-up charge
None
Monthly fees
None

Some suppliers add their own surcharge for card payments. That’s set by the supplier, not Travel Ledger.

Cashback rates

Earn cashback on eligible TL Virtual Card supplier payments — from 1.00%, rising to 1.20%+ as your monthly card spend grows.

Each rate applies only to the part of your monthly eligible card spend that falls within that band. For example, on £300,000 of eligible card spend in a month, you'd earn 1.00% on the first £250,000 and 1.10% on the remaining £50,000: £3,050 in total.

  • Core1.00%
    £0 to £249,999 monthly eligible card spend
  • Growth1.10%
    £250,000 to £499,999 monthly eligible card spend
  • Scale1.20% or more
    £500,000+ monthly eligible card spend
    Contact us to discuss
plus 0.10%
Ends 31 December 2026

FX bonus: an extra 0.10% cashback

Paying suppliers who charge in US dollars or another foreign currency? Eligible TL Virtual Card payments earn an extra 0.10% cashback until 31 December 2026.

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Cashback rates are based on an interchange fee of 2%. Where a payment attracts a lower interchange fee, cashback is reduced proportionately. Higher rates apply to incremental spend within each band and are not applied retrospectively to spend in lower bands. Cashback applies to eligible supplier card payments only and is subject to supplier acceptance, card eligibility, card type and commercial terms. The FX bonus applies to eligible card payments to suppliers charging in a currency other than the card’s currency, made up to and including 31 December 2026. Travel Ledger services are provided to business customers only.

How it works

How cashback works

Cashback is calculated on your eligible monthly card spend and paid the month after you use your cards. Your rate depends on your monthly eligible spend tier. Eligibility depends on supplier acceptance, card type, supplier category and commercial terms.

FAQs

Common questions about TL Virtual Card pricing.

No. There’s no set-up charge and there are no monthly fees for TL Virtual Cards.

Monthly, the month after you use your cards.

Suppliers accept TL Virtual Cards through their normal card-acceptance arrangements, and some may add a surcharge. We can help you check which of your suppliers accept card payment.

No. Keep arrangements that work for you, such as valuable credit terms, and use TL Virtual Cards where they add value.
Related

Explore TL Virtual Cards

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See what your supplier payments could earn.

Check your cashback opportunity in under a minute, or let us review your supplier payments with you.

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Talk to our team about supplier payments, settlement, reconciliation or payment opportunities.

Need platform guidance?

Visit the Travel Ledger Help Centre for support articles and platform guidance.

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