ACCA Business Mastercard | Schedule a Demo

Schedule a Demo

Limited Time: Earn up to $2,000 sign-on bonus when you apply today*

Spend Smarter
with the ACCA Mastercard

Spend Smarter

with the ACCA
Mastercard

The all-in-one platform that helps contractors earn up to 2.1% unlimited cash back¹, manage expenses, and grow faster.

$0 annual fee

No impact on credit

Up to $2M in credit limits

Schedule a Demo

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For HVACR & Home Service Companies

Join 1,000+ contractors

The card is just the start

Everything you need to manage spending, track expenses, and grow your business.

2.1% Cash Back¹

Get 2.1% back on every purchase — suppliers, equipment, fuel.

Expense Management

Track and categorize expenses in real time. No more chasing receipts.

QuickBooks Sync

Every transactions syncs automatically to QuickBooks Online or Desktop.

Employee Cards

Issue team or supplier cards with custom limits and real-time visibility.

Trusted by Leading Contractors

"
If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”
Michael Mattioni
Owner, Mattioni Plumbing, Heating & Cooling
"
The ACCA Business Mastercard gave us access to capital when we needed it most. The cashback alone adds up fast, and the platform is simple to use—it’s helped us grow past where we were before."”
Paul Eddy
Owner, Cosby Heating & Cooling
"
If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”
Michael Mattioni
Owner, Mattioni Plumbing, Heating & Cooling
"
The ACCA Business Mastercard gave us access to capital when we needed it most. The cashback alone adds up fast, and the platform is simple to use—it’s helped us grow past where we were before."”
Paul Eddy
Owner, Cosby Heating & Cooling
"
If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”
Michael Mattioni
Owner, Mattioni Plumbing, Heating & Cooling
"
The ACCA Business Mastercard gave us access to capital when we needed it most. The cashback alone adds up fast, and the platform is simple to use—it’s helped us grow past where we were before."”
Paul Eddy
Owner, Cosby Heating & Cooling
"
If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”
Michael Mattioni
Owner, Mattioni Plumbing, Heating & Cooling
"
The ACCA Business Mastercard gave us access to capital when we needed it most. The cashback alone adds up fast, and the platform is simple to use—it’s helped us grow past where we were before."”
Paul Eddy
Owner, Cosby Heating & Cooling

If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”

Michael Mattioni

Owner, Mattioni Plumbing, Heating & Cooling

The ACCA Business Mastercard gave us access to capital when we needed it most. The cashback alone adds up fast, and the platform is simple to use—it’s helped us grow past where we were before."”

Paul Eddy

Owner, Cosby Heating & Cooling

If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch to the ACCA Mastercard.

It was little effort for a lot of hands-off gain.”

Michael Mattioni

Owner, Mattioni Plumbing, Heating & Cooling

Paul Eddy

Owner, Cosby Heating & Cooling

Have Questions?

How are rewards redeemed?

Redeem your cash back as a statement credit or request a physical check — on demand, anytime.

How is 2.1% cash back possible?

The 2.1% rate is unlocked when you enable autopay, which runs on net 7 terms — your balance is automatically paid 7 days after each transaction posts.

How long does approval take?

Most contractors are approved within 24 hours.

How are rewards redeemed?

Redeem your cash back as a statement credit or request a physical check — on demand, anytime.

How is 2.1% cash back possible?

The 2.1% rate is unlocked when you enable autopay, which runs on net 7 terms — your balance is automatically paid 7 days after each transaction posts.

How long does approval take?

Most contractors are approved within 24 hours.

How are rewards redeemed?

Redeem your cash back as a statement credit or request a physical check — on demand, anytime.

How is 2.1% cash back possible?

The 2.1% rate is unlocked when you enable autopay, which runs on net 7 terms — your balance is automatically paid 7 days after each transaction posts.

How long does approval take?

Most contractors are approved within 24 hours.

Can I keep my existing business card?

Yes — many contractors run both during a transition.

How do I get the sign-on bonus?

Spend $25,000 in your first 3 months to earn ACCA membership valued at $750. Earn up to $1,250 of additional signup bonuses based on your spend²

What credit limits are available?

Up to $2,000,000 depending on your business financials.

Can I keep my existing business card?

Yes — many contractors run both during a transition.

How do I get the sign-on bonus?

Spend $25,000 in your first 3 months to earn ACCA membership valued at $750. Earn up to $1,250 of additional signup bonuses based on your spend²

What credit limits are available?

Up to $2,000,000 depending on your business financials.

Can I keep my existing business card?

Yes — many contractors run both during a transition.

How do I get the sign-on bonus?

Spend $25,000 in your first 3 months to earn ACCA membership valued at $750. Earn up to $1,250 of additional signup bonuses based on your spend²

What credit limits are available?

Up to $2,000,000 depending on your business financials.

Ready to spend smarter?

Schedule a Demo

Affiniti Finance, Inc. is a financial technology company, not a bank. The ACCA Business Mastercard is issued by Patriot Bank N.A., Member FDIC, pursuant to license by Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Affiniti Finance, Inc. is the program manager of this card and can be reached at support@affiniti.finance.

Your usage of this website constitutes your consent and acceptance of the Affiniti Terms of Use and Privacy Policy. Your application for and usage of the ACCA Business Mastercard are subject to approval and are subject to: (1) the Cardholder Agreement (including rates, fees, offers & benefits terms); and (2) other terms and policies located at https://www.affiniti.com/legal.

Upon application, only a soft credit inquiry will be conducted, which will not impact your personal credit score. However, we reserve the right to report to credit bureaus in the event your account does not remain in good standing, which may affect your credit score.

1. If autopay is not set up, you’ll earn unlimited 1% cash back on all eligible purchases. With autopay enabled, you’ll instead earn 2.1% cash back on weekly autopay or 1.75% cash back on semi-monthly autopay, on all eligible purchases.

2. If you make $30,000 of eligible purchases within the first 3 months of being approved of your account, you will receive a rewards bonus worth $750. If you make $50,000 of eligible purchases within the first 3 months of being approved of your account you will earn a rewards bonus worth $750. If you make $75,000 of eligible purchases within the first 3 months of being approved of your account you will earn a rewards bonus worth $1,000. If you make $100,000 of eligible purchases within the first 3 months of being approved of your account you will earn a rewards bonus worth $1,250. Sign-up rewards are subject to the Card Reward Terms. Please review the Cardholder Agreement for full details about the terms and conditions of the rewards and benefits.

3. Credit limits are subject to approval and change based on Affiniti’s underwriting policy.