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Card One Money vs B4B Payments: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Card One Money and B4B Payments are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

Card One Money HomepageB4B Payments Homepage
 

Card One Money vs B4B Payments Reviews

Card One MoneyB4B Payments
Trustpilot Review Rating 4.61.7
Number of Trustpilot Reviews749248
iPhone App Rating2.72.5
Number of iPhone App Reviews6022
Android App Rating3.82.3
Number of Android App Reviews194117
Note these figures we’re taken from each company’s website and may have changed since publication

Card One Money vs B4B Payments Key Details

Card One MoneyB4B Payments
WebsiteClick Here to Visit Card One Money WebsiteClick Here to Visit B4B Payments Website
Card TypeMastercardVISA/Mastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?NoYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?NoYes

Card One Money vs B4B Payments Cost

Card One Money PricingB4B Payments Pricing
Card One MoneyB4B Payments
Free Plan?NoNo
Free Trial?NoNo
Cheapest Plan Price Per Month£12.50Pricing Not On Website
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per MonthCustom pricingNot Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Card One Money vs B4B Payments Features

Card One Money FeaturesB4B Payments Features

Card One Money Features

Business

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch

No Mid-Tier Plan

Not Applicable

Corporate

  • No credit checks
  • Four additional cards for business use
  • Online and mobile account with 24/7 access
  • Manage Direct Debits and standing orders
  • Instant domestic payments
  • Manage and pay bills, invoices, wages and more
  • International payments in a range of currencies
  • Full control over permissions, balances and cards
  • Export statements for your accounting software
  • Receive free text alerts whenever bills are paid
  • Load cards directly online or through the app
  • View statements and monitor business spending
  • Use fast balance to quickly check your account
  • Pay cheques in at any Barclays branch
  • Prepaid cards that can pull from your balance
  • Your own dedicated account manager
  • Send payments in bulk
  • Set up multi-level approvals for payments
  • Open banking API integration
  • Multi-account view for all your brands

Card One Money Accounting Software Integrations

  • Wave
  • Xero
  • Sage
  • FreeAgent

B4B Payments Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

B4B Payments Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

Card One Money vs B4B Payments Features Comparison

Card One MoneyB4B Payments
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsNoYes
Approval Process ControlYesNo
Budget ControlNoYes
Expense CategorisationNoYes
Compliance ManagementNoYes
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoNo
Mobile Receipt UploadNoNo
Real Time Notifications & ReportingNoYes
Receipt ManagementNoYes
Spend ControlYesYes
Travel Management NoYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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