BENTO FOR BUSINESS: Features, Pricing, Alternatives & 2023 Reviews

Bento for Business
Firm of the future

Bento for Business Visa debit card provides an amazing prepaid card bundle for small and medium-sized business owners. The Bento prepaid card review below details all costs, limits, benefits, and drawbacks to help you compare it to other business prepaid card options. Before proceeding, keep in mind that Bento for Business is just that: for businesses. Individual consumers will not be accepted unless they have a recognized business. We will also be looking at the customer service of Bento for business and how you can use them as a credit card, with signature authorization.

What Is Bento Business?

Bento is revolutionizing the way organizations manage B2B payments in the digital age. Bento for Business is more than just a debit card; it’s a whole cost management suite that may assist organizations in tracking where and how they spend their money. We hope that this Bento for Business review has helped you choose whether Bento’s card-based management suite is ideal for your company.

Because the Bento for Business Card is a Visa debit card, it does not allow you to carry a balance and does not provide a rewards system or other conventional credit card benefits. On the bright side, with the Bento for Business visa debit card, you’ll have powerful tools to watch and manage your employees’ spending (something that many small business credit cards don’t offer), and you won’t have to deal with a lengthy application process like you might with a credit card.

How Bento for Business Prepaid Card Works

If you are still unsure about how to proceed, here is a basic overview of how the Bento for Business works:

#1. Loading Money

There is just one way to fund your Bento account: transfer funds from a linked bank account.

When you first open an account with Bento, you register a bank account. You have the option of using a checking or savings account.

Bento validates bank account ownership before approving a transaction. If they require additional information, the procedure can take anywhere from an instant to two business days.

#2. Using the Card

Bento prepaid cards can be used anywhere that accepts Mastercard debit cards. They can be used as either a credit card with signature authorization or a debit card with PIN authorization. For online purchases, they also include a three-digit security number on the back of the card.

While Bento cards can be used outside of the US, there is a 3% foreign transaction fee.

#3. Getting Cash

Employees are not permitted to withdraw cash from an ATM or receive cash back from a purchasing transaction. Employees authorized by the business owner may withdraw cash up to $500 each day.

#4. Getting Bento Prepaid Cards

The signup process includes supplying Bento with information about your company (yes, you do need a registered firm to sign up for Bento’s business cards!). Your business may be approved immediately, or Bento may request additional evidence.

Bento does not conduct credit reports on either the individual owner or the company. You can open an account even if you have bad credit.

As previously said, the following step is to validate your bank account. It could take up to two business days. Finally, delivery of new cards can take up to seven to ten business days.

Review of Features of Bento for Business

Some of the quality characteristics of Bento for business that you should be aware of include:

#1. Eligibility

Bento does not have any credit restrictions for using its service because it is not a credit card. Bento, on the other hand, takes into account “basic business and personal information,” and you may be approved immediately when your ID is successfully validated. This Bento has a list of banned business kinds, therefore if you fall within any of these categories, your account will most certainly be deleted soon.

Because Bento is not a bank account, you must also have an existing, validated checking or savings account.

#2. Rewards for Spending

Bento’s goal is to help businesses save money, not to help them gain money while spending. As a result, there are no incentives.

Bento likes to advertise that their product saves businesses money. It claims to have saved customers tens of millions of dollars with its spending control solutions. As a result, there are no spending rewards with Bento’s Visa debit card.

While the lack of incentives is understandable given that Bento isn’t a credit card, there are a few debit cards available that allow users to earn cash back or points anytime they use their card to make a purchase.

#3. Redeeming Rewards

This section will be brief because there are no incentives to speak of and nothing to redeem.

There is nothing to redeem because Bento for Business does not include spending rewards. Instead, any savings from employing Bento will be more passive and will depend on how efficiently your company can use Bento’s spending management software.

#4. Card Benefits

Bento provides the following benefits to firms that employ its services:

  • Virtual cards: Bento allows you to create virtual Visa debit cards for single-use phone/online purchases, vendor-assigned card numbers, and improved visibility for subscriptions or other budget-line items.
  • Employee spending controls: In addition to the ability to distribute Bento debit cards to employees, you will also be able to implement spending controls. You can use such controls to switch cards on and off for specific trips or to enable usage only on certain days of the week.
  • Business-to-business payments: Bento for Business includes a simple invoicing tool that allows users to pay vendors directly from their Bento funds. Simply enter the vendor’s company name, email address, payment amount, and invoice/PO number/payment description into your Bento account.
  • Security features: Bento stores personal information using 256-bit SSL encryption. Personal information is then stored in “highly secure data centers,” according to Bento. Furthermore, as previously mentioned, international transactions can be disabled, potentially preventing foreign scammers.
  • Real-time reports: Bento comes with a robust set of tools to help your company’s financial health. Perhaps most notable are Bento’s real-time reports, which allow you to see how and who is spending money in your company. You can also monitor your expenses while benefiting from automatic restrictions designed to “reduce organizational friction.”

#5. Limits

Bento will impose a few significant restrictions on your and your team’s activities on your Bento for Business cards. To begin with, Bento for Business will cap your daily spending at $25,000 per card each day. Furthermore, you will only be allowed to withdraw up to $500 in cash per day by ATM and cash back.

Bento for Business Pricing Review

Bento will be charged after a 60-day trial period. There are also a few typical fees to be aware of.

#1. Four Pricing Plans

Bento is free to use for the first 60 days (as long as your company requests 50 or fewer cards). After 60 days, your company will be assigned to one of four plans. Bento was previously free as long as your company just required one or two cards. That is no longer true. Here’s the new Bento for Business pricing plan, which is based on the number of cards your company requires:

  • Up To 10 Cards: $29/month (“Starter” plan)
  • Up To 25 Cards: $69/month (“Team” plan)
  • Up To 100 Cards: $149/month (“Professional” plan)
  • Over 100 Cards: Contact Bento for custom pricing (“Enterprise” plan)

#2. Other Bento Fees

There are no start, load, or card issuing costs to concern yourself about. You also don’t have to worry about interest rates or overdraft fees because this isn’t a credit card.

However, there are a few other Bento expenses to consider. Here’s a quick breakdown of everything you can be charged for in addition to your monthly rate:

  • International ATM Withdrawals: International ATM withdrawals are $3 per transaction (domestic ATM withdrawals are free).
  • Card Shipping Fee For Expedited Delivery: The card shipping fee for expedited delivery is $20 per card (regular speed card replacements are free).
  • Refund Check Fee: $15 per check
  • Foreign Transaction Fee: Up to 3% of each transaction
  • Expedited Check Fee: $30 per check

Why Go For the Bento for Business?

Consider Bento for Business Visa debit card for the following reasons:

#1. No Credit Check

The first and most important benefit of Bento for Business is that it does not need business owners to undergo a personal credit inquiry—hard, soft, or otherwise—in order to qualify for it, making it an excellent card for business owners with no credit or new businesses.

You will not only be able to escape the ding that hard inquiries would bring to your personal credit, but you will also be able to access Bento for Business even if your personal credit is limited or contested.

#2. No Personal Liability

Because Bento for Business is prepaid, you will not be directly accountable for the spending associated with your account. That’s because no credit will be granted to you, so the issue of responsibility becomes irrelevant with Bento for Business.

Meanwhile, most unsecured business credit cards will hold you and your company jointly responsible for all spending associated with your Bento for Business card account.

#3. Employee Controls

One of the most noticeable characteristics of Bento for Business is its extensive staff controls. You’ll be able to ensure that every employee utilizes their Bento card precisely the way you want them to using the Bento for Business card controls, dashboard, and mobile app capabilities.

#4. FDIC Insured Account

Last but not least, funds maintained within Bento are FDIC-insured up to $250,000.

This insurance will make your company’s preloaded capital as safe as it would be in a business bank account and can provide you with the piece of mind that your company’s hard-earned wealth is as safe as it would be in an account at a reputable institution.

The Bento for Business Card: Downsides

Here are some important disadvantages to consider:

#1. Can’t Build Credit

First and foremost, because this is a secured business credit card, you will not be able to develop credit with it, no matter how responsibly you spend with it.

The prepaid Bento for Business card format includes advantages, such as no personal credit check or personal liability. However, it will also mean that you will not be boosting your credit, whether personal, business, or otherwise.

#2. Spending and Withdrawal Limits

The spending and withdrawal limits imposed by Bento for Business on your business spending may harm your company’s finances and, as a result, its growth.

If you expect your staff to spend more than $25,000 per card on any given day, your business spending requirements may exceed what Bento for Business can provide.

Top Alternatives to the Bento for Business

These alternatives include:

  • Capital One® Spark® Classic for Business
  • Capital One® Secured Mastercard®

How Do You Use a Bento for Business?

You must transfer funds from your existing, confirmed savings or checking account to your Bento account in order to use it. Any monies deposited with Bento are FDIC insured up to $250,000 through our partner, The Bancorp Bank, N.A., Member FDIC.

Is Bento for Business Safe?

Yes, businesses rely on it. Bento funds are FDIC insured up to $250,000 by The Bancorp Bank, N.A., a member of the FDIC.

How Do I Check My Bento Business Balance?

To check your balance, send a text message to (415) 942-0692. You will receive an email with the current available balance on your Bento account.

What Should Be Included in a Bento?

The Bento prepaid card is a credit card alternative for businesses that allow employees to pay for expenses.


Bento’s prepaid business card service is an excellent choice for business owners of all sizes, with a free option accessible and no additional fees. Administrators have complete control over their employees’ prepaid spending cards thanks to flexibility, reporting, and accounting support.


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