PEX CREDIT EXPENSE

The corporate card for construction that never slows you down

Unlock project cash flow with flexible spending limits and purchasing power at every job site

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Trusted by 10,000+ customers

PEX automates manual tasks, saving teams more than 10+ hours per month1

Automate finance team tasks

A digital interface shows daily, weekly, and monthly spending allowances with options for time-based limits, international spend, and online spend rules.

Customize spend limits and controls

Set limits by cardholder, card, MCC or merchant - plus, enforce day of week or state-based spend limits, and more

A digital interface shows options for scheduled funding, displaying a card balance of $2,500 and weekly funding on Mondays, with low-balance funding set to add $230.

Automate
approval workflows

Pre-approve purchases to prevent overspend, or enforce compliance for purchases that already occurred

Bar chart showing spend by group: Engineering (45%), Sales (25%), and Contractors (10%), with corresponding blue, green, and purple bars for each category.

Get real-time
spend visibility

Monitor employee, project or department spend to maintain 
accurate forecasts and oversight

Empower your crews

Man in work gear holds a phone and drinks coffee. Graphic overlays show payment statuses for store, hardware, and construction expenses.

Reimburse out-of-pocket expenses

Pay employees back for mileage and non-card spend, directly through the PEX platform

A construction worker in a yellow helmet and vest looks at his phone while crouching next to metal beams. An overlay shows a receipt and buttons labeled "Scan your receipt" and "Submit receipt.

Eliminate the receipt chase

Employees can snap, text or email receipts to PEX, ensuring timely and compliant submission

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use cases

Corporate cards for all
your project needs

Pay vendors, power team travel or use business credit as a flexible financing tool

Image of a VISA commercial card next to a financial summary showing a $38,578 balance and purchases including internet, entertainment, dinner, gas, and lunch.
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Project spend

Preserve cash flow and earn rewards on vendor or subcontractor invoices that accept card payments

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Back office spend

Prevent overspend and issue virtual cards to specific merchants, like software and ad vendors

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T&E and fuel

Enjoy worldwide acceptance with an easy-to-use mobile app for travel and fuel expenses

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Per diem

Allocate funds to your crew for meals, travel and any other job-related subsidies

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Petty cash

Go cashless and pay for small, everyday expenses like supplies or errands

Key benefits

Increase your cash flow access without taking on long-term debt

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Get up to $2M per month3 in spending power

card

Issue instant cards for crews and contractors

lock

Stay on budget with pre-defined custom card limits

money

Earn 1% back* on qualifying
purchases

receipt

Save time with AI-powered receipt matching

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Get started fast – no personal guarantees or credit checks needed

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The best corporate card for construction

PEX offers a seamless approval process and comprehensive support that traditional banks don’t offer

Comparison chart of PEX vs Traditional Banks. PEX offers smart fraud blocking, extensive tagging, quick review, and native mobile apps, while Traditional Banks have less efficient alternatives.

Integrations

PEX integrates with your accounting software and ERP

Explore our integrations library and discover time-saving applications

Learn More
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Today's modern finance leaders trust PEX

PEX’s intuitive platform and top-rated customer service.

"PEX makes it easy to put funds in employees hands when and where they're needed, yet still limit what can be spent - all from my desk."

Sarah C.

"PEX has been life-changing and easy for employees and employer, from managing expenses and receipts, to integration with accounting."

Darci H., VM West

Frequently asked questions

Why is PEX the best expense management platform for construction?

PEX offers a seamless solution tailored for the unique financial challenges of construction companies, including real-time expense tracking, enhanced spend controls, and integration with leading software like NetSuite, Sage Intacct, SAP Concur, Quickbooks, CMiC, Procore, and more. Unlike competitors, this integration is included with the platform at no extra cost.

With PEX, construction businesses can reduce administrative overhead and gain better visibility into project expenses, ensuring cost efficiency and compliance.

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Talk to an expert

Book a demo
Several blue and purple PEX Visa cards are arranged in a scattered pattern on a white background with a green outline.
The image shows the PEX logo with a stylized blue geometric design next to the word "PEX" in dark blue text.

1 The PEX Visa® Commercial Card is not a credit card.

3 PEX requires linking an external business bank account for credit approval & mandatory autopay enrollment. With PEX Credit Expense, repayment of charge card purchases is due in full every seven days at the end of the statement period. A minimum bank account balance is required to qualify. Please view the PEX Master Service Agreement for more information.

© 2007-2025 Prepaid Expense Card Solutions, Inc., All Rights Reserved. The PEX Visa® Prepaid Card, PEX Disburse Visa® Prepaid Card, and PEX Visa® Commercial Card are issued by Fifth Third Bank, N.A., Member FDIC, or The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa Business Prepaid and Visa Commercial Cards are accepted. The PEX Visa® Prepaid Card, PEX Disburse Visa® Prepaid Card, and PEX Visa® Commercial Card are not credit cards. Please see the back of your card for its issuing bank.