Motive Card | Commercial Underwriting

This is a corporate charge card, meaning the total invoiced balance is due in full at the end of each billing cycle and cannot be paid over time.

Motive Card is more than a fuel card — you can enable it for maintenance and repairs, lodging, fuel station store purchases, and other authorized business expenses, based on the spend controls you choose to set.

At this time we are not accepting applications from sole proprietorships for the Motive Card.

Yes. You can use your Motive Card anywhere Mastercard is accepted, including in North America and U.S territories, subject to your account configuration and spend controls. If you run cross-border routes, our team can help you confirm how international usage and billing will work for your Canadian fleet. 

Motive Card has no hidden fees—you pay $0 in hidden fees. For Canadian customers, pricing includes clearly disclosed per-active card fee, and late fees if an invoice is not paid on time. Any applicable fees will be outlined in your agreement and shown on your statements.

We will need a few details about your company’s spending needs and business demographic information:

• Your company name, address, phone, email, ownership structure, and company revenue.
• Spending limit requested.
• Banking information: digitally connecting your business bank account via Plaid™ or three consecutive months of business bank statements in pdf.
• Additional documents as requested: you may be asked for up to two years of audited or compiled financial statements including balance sheets, income statements, statements of cash flow, and debt schedule.

We consider several factors when reviewing applications for the Motive Card. Financial documents help us ensure we’re evaluating each applicant based on their overall financial health.

If your application is declined, you’ll automatically be notified via email with the specific reason(s) why we were unable to approve your application. You can reapply for the Motive Card in 3 months’ time.

Our integration with Plaid™ simplifies the number of financial documents we request and enables us to make a faster decision on your Motive Card application. Plaid™  instantly authenticates you, connects your account securely, and saves you time looking for or downloading bank statements.  A linked account is also required to use your Motive Card: we will use it to automatically withdraw the amount you owe for purchases made at the end of each billing cycle using ACH.

Plaid™ allows you to securely connect and share data from your financial institution directly with Motive. Motive reviews the same information that can typically be found on your bank statement.

You can provide your financial documents by linking your bank account via Plaid™ or by sending us PDF copies of the requested documents. Should you prefer not to submit full financial statements, we have 3 alternatives:

• Standby Letter of Credit(SBLC)- bank-issued guarantee for the credit line 
• Security Deposit – Cash deposit with Motive for the credit line 
• Daily Invoicing – Payments owed every day for card usage

Your information is only viewable by Motive’s employees who need access to make a decision on your application. Motive offers the option to securely provide digital access via Plaid™ to the information needed without sending physical or electronic copies of these documents.

Motive does not use your personal credit score to determine your company’s creditworthiness when you apply for a Motive Card, nor do we report your company’s payment history on your consumer credit report. For Canadian customers, your credit file may be used solely to confirm your identity. We rely on your business credit bureau report to determine your spending limit for the Motive Card.

Once a completed application is received, most customers have a decision in three days. If we ask for additional documents, we cannot make a decision until you provide them to us. Once approved, companies typically receive their Motive Cards within 3–4 business days, depending on shipping.

Each business is evaluated based on its financial health, past payment history, and other internal and external information to determine appropriate spending limits. This amount differs for each company.

For your protection and to reduce fraud, we can only ship cards to a physical address.

Yes. Motive provides contracts, key documentation, and customer support in French and English, to support your teams in their preferred language.