Grow faster with the Ora business credit card

Unlimited cashback, credit limits built for early revenue, and spend controls your whole team can use. For Fairwater account holders.

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ORA
vantis

The Ora Card is issued by Halewood Bank pursuant to a licence from Vantis Network.

Engineered for the early years

1.8% cashback on all spend

Plain rewards, no categories

Higher limits for young companies

Underwriting that reads runway

Low cash balance minimum

Qualify from a $12K balance

Virtual cards in seconds

Issue one per vendor or hire

Spend controls that hold

Limits, rules, and approvals

One place for the money

Banking and cards side by side

Scale confidently with real spend controls

Cards Controls Receipts Subscriptions Permissions

Cards for the whole team

Issue as many as you need — one at a time, or in bulk through our payroll and HR integrations.

Put the Ora card to work1

Turn everyday spend into cash flow2

  • → Unlimited 1.8% cashback on every purchase
  • → Deposited straight into your operating account
  • → No points, tiers, or blackout categories
  • → Nothing to claim or redeem by hand
Active ORA
Rhea's credit card
•••• •••• 0114
Cashback deposited$1,264.38

Start spending at founder speed

  • → Qualify with a $12K cash balance — among the lowest in business credit3
  • → Limits set against revenue and runway, not years of history
  • → Virtual cards are live the moment you're approved
Legacy banks
Ora credit limit

Get the month-end hours back

  • → Sync transactions to Ledgerly, Tallowbook, and Northline
  • → Categorise automatically with rules you write once
  • → Surface GL codes inside Fairwater so the books stay clean
Accounting
Bookkeeping
Approvals
Automations

There's more to Ora

No interest and no annual fee
Zero-liability cover and fraud monitoring
Discounts on tools like Ledgerly and Northpeak
Builds a credit file in your company's name
People to talk to when something breaks

One part of the wider Fairwater platform

Open account Explore the demo ↗
Checking$412.8K
Savings$1.9M
Credit$128.4K

Business banking4

Checking and savings with up to $4M in deposit cover5 across our partner bank network.

Current portfolio
72% Aldermount 28% Grayling

Treasury6

Earn yield on cash you aren't spending, right beside your operating accounts.

Receipt required
Card limit set
Approved by Dara

Expense management

Employee spend, corporate cards, and reimbursements handled in one flow.

$7.4M
Drawn Available

Venture debt

Extend runway between rounds without giving up more of the company.

justo Northpeak
up to $180K beam

Founder perks

Discounts on hundreds of tools, including Northpeak Cloud and Beam Compute.

Post-money note to Jonas Vekker
$180,000.00
SignatureSigned 14 Feb

Founder notes

Draft, send, and countersign investment notes without leaving Fairwater.

If you have questions, we have answers

See all FAQs
How do I sign up for Ora?
How does the 1.8% cashback work?
What will my credit limit be?
How often do I pay off the balance?
Does Ora charge any fees?
What expense features come with Ora?
How is Ora related to Fairwater?
Does Ora build business credit?

Ready when you are

Start spending — and start earning it back — with a credit card built for Fairwater account holders.

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