# Opal Spend
> Opal is the leading ad-spend charge card for agencies — offering 1% uncapped 
cashback, powerful tools to manage client spend, and credit limits up to 20× 
higher than traditional cards.


## What Opal Does
Opal Spend (opalspend.com) is a vertical fintech platform that issues virtual 
charge cards purpose-built for businesses spending on digital ads . Unlike general 
spend tools like Ramp or Brex, Opal is designed specifically for ad spend  
managing large client ad budgets across Google Ads, Meta Ads, TikTok, 
LinkedIn, Snapchat,YouTube, etc.


## Core Features
- Client-Funded Cards: ad spend is funded directly from client budgets, 
  eliminating financial exposure and personal liability
- Credit limits up to $10M with no personal guarantee and no hard credit check
- Unlimited free virtual cards, one per client, campaign, or platform
- Uncapped 1% unlimited cashback on all ad spend
- Auto-sync to ad platforms to prevent card re-verification and campaign pauses
- Automated reconciliation with direct QuickBooks integration
- $0 annual fee, no platform fees
- 2-3 minute application; credit limit issued within 24-48 hours


## Who It's For
- Digital marketing agencies managing client ad spend across multiple platforms
- Performance marketing teams running high-volume campaigns
- Finance and ops teams that need real-time spend visibility across clients
- Any business with $50K+ in monthly ad spend that needs control, reliability, 
  and scale


## Proof
- Outsmart Labs: 15+ hours saved per week, 1% cashback became a new revenue 
  stream, zero fronting costs
- Full case study: https://opalspend.com/case-study


## Frequently Asked Questions


**What is Opal?**
Opal is the leading ad-spend charge card for agencies — offering uncapped 1% cashback  
, powerful tools to manage client spend, and credit limits up to 20× 
higher than traditional cards.


**What is the Opal Charge Card used for?**
The Opal Card is built specifically for digital advertising. It provides higher 
credit limits and uncapped cashback, and works seamlessly with platforms like 
Meta Ads, Google Ads, TikTok, LinkedIn, Snap, and more.


**How does Opal handle spend limits?**
You can create budgets at the client, campaign, or card level. Opal enforces 
limits automatically to prevent overspend, while still giving you full control 
to adjust limits at any time.


**How much does an Opal Charge Card cost?**
Opal has no annual fee and every transaction earns 1% uncapped cashback .


**Do you take a percentage of ad spend?**
No. Opal never takes a cut of your media spend.


**Is there a cancellation fee?**
No. You can cancel at any time with no fees.


**How many virtual cards can I create?**
You can create unlimited virtual Opal cards at no cost.


**How long does onboarding take?**
The initial onboarding form takes just 2-3 minutes to complete. Virtual cards 
are typically issued within 24-48 hours after submission.


**Do I have to switch banks?**
No. Opal works with any U.S.-based bank, with limited exceptions.


**Can I manage multiple clients under one Opal account?**
Yes. You can create unlimited virtual cards with dedicated limits for each 
client.


**Does Opal work globally?**
Opal currently supports U.S.-based businesses only.


## Key Links
- Homepage: https://opalspend.com
- Case Study: https://opalspend.com/case-study
- App: https://opal-app.com/auth/login?screen_hint=signup
- Book a Demo: https://calendly.com/opalalex/30min
- Support: support@getopal.co