Net-60. Zero interest. Cash back in dollars.
Up to 60 days to pay on every eligible purchase — at 0% interest. Choose shorter terms and earn up to 1.5% TC Cash. Real dollars, spendable instantly. Available on the Scale plan.
Take the rewards. Or take the float. Same card, your call.
Every purchase comes with an interest-free window of up to 60 days. You choose the settlement terms, and the terms set your rate: daily terms earn the full 1.5% TC Cash, 60-day terms earn 0.45% and hand you two months of float. No interest either way. No caps, no categories, no annual fee.
Daily terms, earn up to 1.5%
Choose daily settlement and every eligible purchase earns at the top TC Cash rate — up to 1.5%, or 1.38% on weekly terms.
1.5% TC Cash · dailyNet-60 at 0% interest, still earning
Take the full 60-day window on standard terms. Your cash stays in your account — and you still earn on every eligible purchase.
0.45% TC Cash · $0 interestBi-weekly or monthly terms
Bi-weekly earns 1.25% and monthly earns 0.97% — the middle ground on both float and rewards. Set per account, changeable whenever your cashflow shifts.
1.25% or 0.97% TC CashPick your terms. See what you earn.
Enter your monthly card spend and choose your settlement terms.
Your rate is set by the terms you choose, so it doesn't change based on when you pay inside that window. Rates shown are the maximum for eligible purchases — the actual per-transaction rate also depends on card type and transaction currency.
Built like working capital, not a rewards program.
60 days at 0% interest
Keep cash on hand up to twice as long as typical card cycles. Every eligible purchase gets an interest-free window — your spend becomes working capital, not a bill you're racing.
Cash, not points
TC Cash is money. It lands in dollars, spendable from your balance the moment transactions settle — not a points table, not month-end, not a redemption catalog. What you see is what you have.
Terms that fit how you actually pay
Daily, weekly, bi-weekly, monthly or 60 days — set per account and changeable later as your cashflow changes. Shorter terms earn a higher rate; longer terms free up more cash. You decide which is worth more this quarter.
Your card also books the trip
The same platform books 700+ airlines and 2.5M hotels, with travel support behind every trip and every booking born-matched to its transaction. Spend management and travel aren't two tools here.
Real-time control on every card
Issue virtual cards in seconds, cap by card, lock to merchants, freeze instantly. Every transaction lands coded and matched.
Cards your AI agents can use
Issue single-use and merchant-locked cards programmatically — via API and MCP — under your company policy. Your agents can pay for what they book.
{ "type": "single_use", "policy": "company" }
Three steps.
No fine-print gymnastics.
Pick your terms
Daily, weekly, bi-weekly, monthly or 60 days — an account setting you can change as your cashflow changes. Your terms set your TC Cash rate.
Spend on your Travel Code card
Flights, hotels, SaaS, anything — every eligible purchase starts its own interest-free window.
Earn TC Cash, pay on schedule
Pay the statement at 0% interest within your selected terms. TC Cash lands in dollars, at the rate your terms set, as transactions settle.
Your rate is fixed to the terms you choose, so it never moves based on when you pay inside that window. Balances outstanding past your terms fall under your account's late policy — you'll always see it before it happens.
Most cards make you choose. This one doesn't.
- Fixed ~30-day cycle — pay when the statement says
- Points, with multipliers by category
- Rewards credited at month-end
- Travel booked somewhere else
- Fixed 60-day terms — one size for everyone
- Points multipliers and redemption catalogs
- Value depends on how you redeem
- Financing cost buried in the program
- Five term options up to 60 days — per account, changeable
- Dollars — TC Cash, no redemption tables
- Instant — spendable the moment transactions settle
- Books the trip too — flights & hotels in the same platform
Net-60 is part of the Scale plan
Questions, answered straight.
Is it really 0% interest?
Yes, on standard terms. We never bill interest inside your selected window. The trade-off is transparent: longer terms earn a lower TC Cash rate — the calculator above shows exactly how much. Balances outstanding past your selected terms fall under your account's late policy.
Cashback in points or dollars?
Dollars. TC Cash is credited to your balance as money, spendable immediately after transactions settle.
What rate do I earn?
Up to 1.5% on eligible purchases, set by the settlement terms you choose: daily 1.5%, weekly 1.38%, bi-weekly 1.25%, monthly 0.97%, 60-day 0.45%. Your rate is fixed to your terms — paying earlier inside the window doesn't raise it, it just returns your cash sooner. The rate is also applied per transaction based on card type and transaction currency, which is why 1.5% is a maximum.
Who's eligible?
Scale plan customers, subject to credit underwriting at the company level (soft pull — no personal credit impact).
Can I change my terms later?
Yes — terms are an account setting, adjustable as your cashflow needs change.
Who issues the card?
Travel Code Visa cards are issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc.
Stop choosing between float and rewards.
Travel Code Visa cards are issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc. Subject to credit approval. Terms and conditions apply.
Net-60 terms available on the Scale plan to eligible commercial entities, subject to underwriting. 0% interest applies to balances paid within the selected terms; balances outstanding beyond the selected terms are subject to the account's late policy. The TC Cash rate is fixed to the settlement terms selected and is not recalculated on early repayment. TC Cash accrues on settled, eligible transactions and is subject to reversal on refunds. Rates depend on the selected terms, card type, and transaction currency.