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Zena Everything 
with the Zena Card

Use the Zena Card to instantly spend from your Zena balance, organize every purchase into Buckets, and unlock rewards from vendors that move your business forward.

Organize Spend Into Buckets

Spend your Zena Balance

Earn rewards as you spend smart

Unlimited cards, no fees

Spend from your Zena balance

Your Zena Card draws from your Zena balance, which you can fund by connecting a bank account and making instant deposits?



Use it online or in-store for business, client, or personal purchases — with every transaction tracked, tagged, and organized into Buckets.

Use it instantly. Add unlimited cards to your mobile wallet.

Add your Zena Cards to Apple Pay or Google Pay as soon as you sign up. Create a card for every Bucket — travel, tools, clients — and start spending right away while your physical cards are on the way.

Invite a team member, share a Bucket, issue a card.

Need a freelancer to buy supplies for a client project? Just invite them to the Bucket, issue a Zena Card, and every purchase they make stays neatly tied to that Bucket — and their name. No reimbursement headaches, no guesswork.

Your Spending, Sorted and Synced

See every transaction by bucket, card, or user—right from your Zena dashboard. Everything stays in sync with QuickBooks, organized by accounting best practices.

Enjoy more ways to earn up to
30% cash back

Your Zena Card unlocks rotating offers on business essentials — from design tools to marketing platforms. Earn real discounts on things you’re already paying for, like Canva, Meta Verified, and more.

Every swipe, one simple thread

A payment experience like no other. Get a text right after you spend — snap the receipt, tag a bucket, add a note, and move on. It’s business, beautifully handled.

Instant text notifications

Get a text right after you spend — no login, no app. Just reply to organize everything while it’s fresh.

Reply with a memo

Reply with a short note — like what it was for, who it was for, or anything else that keeps you audit-ready.

Snap and send your receipt

Just reply with a photo — no app required. Zena adds the receipt to the right transaction, instantly.

Catch up on missed transactions

Behind on receipts or notes? Just ask Zena what’s missing — and knock it out in one go.

Ask anything or get help

Zena AI learns new skills over time — from sorting spend to smarter summaries. Just text, and let it handle the rest.