Introducing Engine X: The Corporate Card Built for the Way Small Business Actually Works
Small businesses move fast. They send teams into the field, close deals on the road, and work happens with leaner resources than their enterprise counterparts. And they’re often doing it all without access to sophisticated financial tools.
That changes today with the launch of Engine X.
Engine X is our first corporate card. It has no annual fee, and it’s built specifically for the small and mid-sized businesses that have long been underserved by traditional banks and fintechs. Roughly 28% of SMBs with less than $10 million in annual revenue have access to a corporate card. Engine X was designed to close that gap, giving growing businesses the kind of spend management infrastructure that is typically reserved for companies ten times their size.
Good for business, good for teams.
When employees have the right tools, everyone wins. According to a February 2026 Harris Poll survey conducted on behalf of Engine,1 59% of business travelers have used personal funds for work travel, and half of them are not always reimbursed. Nearly one in five spend more than five hours on expense reporting after a single trip. Engine X eliminates both pain points, so employees can focus on the business trip, not the financial stress or paperwork that follows.
An SMB corporate card needs to serve the needs of both the business and their employees. We’ve heard from many of the businesses we work with that they are looking for an affordable spend management system with access to credit, better visibility into travel costs, and an easier way to enforce expense policies. When business travelers were surveyed on what they value most in a corporate card, the answers were clear: avoiding out-of-pocket expenses (46%), earning rewards (38%), built-in travel protection (38%) and simplified reporting (37%).
Engine X was built to deliver on these:
Best-in-class travel rewards, no annual fees. Earn up to 10% rewards on travel booked through Engine and 1.5%2 on all other purchases – with no annual fees. Cardholders can also ‘double dip,’ stacking Engine Rewards on top of hotel and airline loyalty points they’re already earning.
Intelligent spend controls. Engine X integrates with company travel policies, allowing businesses to set daily spend limits, approved spending categories, and merchant restrictions. This way, company spend is managed before it happens, not after, and employees are saved from the hassle of manual expense reports.
Unmatched flexibility with virtual or physical cards. Issue physical or instant virtual cards to employees and 1099 contractors, including temporary cards for construction workers, disaster relief responders, and anyone in between. For SMBs that rely on contract workers, this is a game changer.
Real-time visibility and AI-powered insights. See spend the moment a card is swiped, track trends over time and (coming soon) get AI-powered recommendations to help your business spend smarter.
Engine already helps over one million travelers and tens of thousands of businesses save time and money. Our customers saved a combined $273 million on travel in 2025. Engine X is the next frontier, bringing travel booking and spend management into a single platform with no annual fee. Now growing businesses have everything they need in one place.
The tools exist, now it’s time to put them to work.
1Results are based on a February 2026 online survey conducted by The Harris Poll on behalf of Engine among 959 U.S. business travelers (January 29–February 2, 2026). All statistics are based on self-reported responses.
2Earn up to 10% back in points on eligible Engine travel purchases. Actual reward rates vary by purchase category and may change. See full rewards terms for details.
