Opal Spend - 2026 Pricing, Features, Reviews & Alternatives

Opal Spend helps agencies and growth-focused brands fund, manage, and earn rewards on digital advertising spend without relying on traditional business cards that often come with lower limits, rigid underwriting, or limited campaign controls.

Built specifically for ad spend, Opal gives businesses access to credit limits up to $10 million, virtual cards for every client, campaign, vendor, or platform, and unlimited 1% cashback on all advertising spend with no caps. Teams can create separate cards, set spend limits, track budgets, and keep media buying organized across platforms like Google Ads, Meta, TikTok, LinkedIn, Snapchat, Amazon Ads, and more.

Opal is especially useful for agencies managing multiple client budgets, performance marketers scaling campaigns, and brands that want more flexibility than a standard corporate card. There are no annual fees, no personal guarantees, and no personal credit checks required. The online application takes about 2 to 3 minutes, and virtual cards are typically issued within 24 to 48 hours of approval.

Unlike general-purpose corporate cards, Opal is designed around the way modern marketing teams actually spend. It helps teams preserve cash flow, avoid campaign interruptions, separate client spend cleanly, and earn rewards on one of their largest recurring expenses.

Opal also provides hands-on support from a team that understands agency operations and paid media workflows. Support is available 24/7, with help offered through email, phone, or online meetings.