The card that makes your life easier

They keep their independence, even as the details get harder to hold. You set the rules together: a gentle check when a purchase looks like a repeat, and a heads-up if the card is used far from home.

Shaping spending for:

No personal credit check · No annual fee · No hidden charges

Card Present

$500 per-transaction max

$1,000 daily · $5,000 monthly

Weekdays 9am–6pm only

No transactions after midnight

Holiday budget: Nov 15 – Dec 31

Team card: $50 daily cap

Intern stipend: $200/mo on books

EA travel card: flights & hotels

Ask me first over $25 at Domino's

$500 per-transaction max

$1,000 daily · $5,000 monthly

Weekdays 9am–6pm only

No transactions after midnight

Holiday budget: Nov 15 – Dec 31

Team card: $50 daily cap

Intern stipend: $200/mo on books

EA travel card: flights & hotels

Ask me first over $25 at Domino's

Card Not Present

How it works

Six rule types, endless controls

The six rule families are the core of the card. Use them à la carte, or layer multiple to compose controls that fit any need. Rules are written by you and enforced by our software. Keep scrolling to see all six types.

Quantity

How much, how often

Time

Hours and active dates

Six rule types, endless controls

The six rule families are the core of the card. Use them à la carte, or layer multiple to compose controls that fit any need. Rules are written by you and enforced by our software. Swipe to see all six types.

Quantity
How much, how often
Time
Hours and active dates
Category
What it can buy
Merchant
Who it can buy from
Geography
Countries, distance, states
Delegated Authority
Who signs off, and when

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ShapeCard AI

Ask your card anything.

ShapeCard AI answers from the card's real rules and its last twelve months of activity. Ask what was blocked and why, or have it draft the next rule in plain language.

Hey there

Pull my transactions from the last twelve months and sort them by category
What did this card spend the most on, and where was it blocked?
Explain the last declined purchase. Which rule fired?
Suggest rule changes based on the spending pattern you see

See it in the portal

The screen is live · click through the sidebar

Solutions

One rule engine. Six shapes of discipline.

The same six families of quantity, time, category, merchant, geography, and delegated authority compose into very different products depending on who you're protecting, and from what.

Lucy · her dad, 81, lives alone

A phone scam took $4,000 last year. This morning the card stopped the next one.

Story & ruleset

Lucy's scam shield for Dad

Her father still does his own shopping, but lately the details slip, and a phone scam cost him $4,000 before anyone noticed. The bank's answer was a frozen account that took his independence with it. Lucy sets the rules with him, and he keeps shopping without a daily fight.

Example ruleset

Only the stores near home
Within 5 miles of his house
Every decline explained
Gift cards and wire services blocked
His daughter approves anything over $100

Tap to flip back

Jordan, 22 · first full-time job

Salary spent on rent and life. No savings = no safety net.

Story & ruleset

Jordan's payday guardrails

First real income, spending faster than it lands. A bank app is a ledger, not a brake. Nothing stops you in the moment. Set the edge while you are thinking clearly and let the card hold it.

Example ruleset

$150/day discretionary cap
Max 12 purchases per day
Bars & nightlife ask first after 10pm
Over $500 asks first, declines if unanswered
No transactions after 2am

Tap to flip back

Kate, 32 · ER nurse, nights

Was ordering dinner at 1am four nights a week. Now the order just does not go through.

Story & ruleset

Kate's late-night lockout

A cart at midnight always feels affordable. Budgeting apps tell you what you overspent last week — none of them tell the card no at checkout. Set the ceilings yourself, enforced somewhere you cannot argue with them at 1am.

Example ruleset

$40/day and $250/week caps
Max 6 purchases per day
Fast food asks first after 9pm
Delivery apps blocked after midnight
Online shopping capped at $60/week

Tap to flip back

Mark, 52 · in recovery, 14 months

Deleted the betting apps twice. This time the card says no, and Ray holds the only key.

Story & ruleset

Noah · dad of Mia, 12

She asked for a card. He said yes, with a $20 week and a ping before anything big.

Story & ruleset

The starter card Noah set up

She is old enough to buy her own lunch and skate-park snacks, but a card with no rails at twelve is a lesson that costs $300. Hand her real money with edges on it, and widen them as she earns the room.

Example ruleset

Allow grocery, transit, skate park
$20/week allowance, auto-reloaded
Over $25 asks a parent
Online purchases blocked
Card sleeps during school hours

Tap to flip back

Max · dad of Leo, 10

Leo shops on his own now. When he wanders past the line, Max gets a tap, not a call from the store.

Story & ruleset

Max's grow-as-he-goes setup

His son is learning to shop on his own, and one confusing checkout can undo months of confidence. The card replaces cash envelopes with real money on real rails — rails Max widens as his son grows into them.

Example ruleset

Allow grocery, pharmacy, transit
$25/day allowance, auto-reloaded
Over-limit pings Mom or Dad
Within 2 miles of home or school
Every decline explained in the app

Tap to flip back

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Illustrative composites of who ShapeCard is built for, not customer testimonials. Names, amounts and notifications are examples.

Compare Plans

Pricing that scales with your rules.

Start free. Upgrade when your controls need to grow, with no credit check at any tier.

ShapeCard Plus

Advanced controls, AI, and real-time approvals for households and power users.

Open Account

Everything in Essential, plus:

✓Time-window rules
✓Custom MCC categories
✓Custom locations (specific merchants)
✓ShapeCard AI assistant
✓Real-time approvals (live consent)
✓Natural-language rule authoringSoon
✓Date-range / trip windowsSoon

Essential

ShapeCard

Everything one person needs to shape a card: spending, category, and country controls. Always free.

Open Account

What's included:

✓Spending limits: per-purchase, daily, weekly, monthly
✓Category & MCC blocks
✓Category allow-listsSoon
✓Country restrictions
✓Ask-me-over-amount approvals
✓Virtual card + bank funding

ShapeCard Plus

Advanced controls, AI, and real-time approvals for households and power users.

Open Account

Everything in Essential, plus:

✓Time-window rules
✓Custom MCC categories
✓Custom locations (specific merchants)
✓ShapeCard AI assistant
✓Real-time approvals (live consent)
✓Natural-language rule authoringSoon
✓Date-range / trip windowsSoon

Pro

ShapeCard Pro

Maximum accountability: geo-fencing and approver-gated rules for recovery, delegation, and high-trust setups.

Open Account

Everything in Plus, and more:

✓Geography: proximity, states, alerts
✓Per-category time windowsSoon
✓Consent-gated rule editsSoon
✓Priority support

The card that makes your life easier

They keep their independence, even as the details get harder to hold. You set the rules together: a gentle check when a purchase looks like a repeat, and a heads-up if the card is used far from home.

Shaping spending for:

No personal credit check · No annual fee · No hidden charges

The card that makes your life easier

Six rule types, endless controls