Introducing Adaptive Cards: Field Spending, Finally Under Control

If you're still using a mix of personal credit cards, store accounts, or chasing receipts through group texts… you're not alone. But you're also not in control.

Field spending is one of the biggest sources of friction in construction finance—and one of the easiest places to lose visibility, accuracy, and trust in your job costs.

That’s exactly why we built Adaptive Cards.

Adaptive Cards¹ give you real-time visibility, control, and coding accuracy, without disrupting your current points programs or adding new systems to manage.

Here’s how they work, and why builders using Adaptive are making the switch.

Smarter Spending Starts With Real-Time Control

Most builders don’t want to micromanage their team’s purchases. But when you can’t see where money is going until days (or weeks) later, it becomes a mess fast.

With Adaptive Cards, you get:

• Real-time transaction visibility
• Instant alerts to your team when a purchase is made
• Receipt prompts so expenses get documented before they’re forgotten
• Auto-tagging to jobs or cost codes, so accounting doesn’t have to chase down context later

No more mystery charges. No more receipt stacks in the truck. No more guessing what job that $462 from Home Depot was for.

Full Control—Without the Complexity

Adaptive Cards give you simple, powerful tools to manage field spending:

• Create and deactivate cards instantly
• Set rules by amount, frequency, and vendor (e.g., “$1,000/week at supply stores only”)
• Assign cards to jobs or teams, so every charge gets coded automatically

This means you can give your field team the flexibility they need—without losing track of what’s being spent where.

1% Cash Back on Every Purchase

Most builders use cards to chase points. But here’s the truth: 85% of your points come from 15% of your purchases—usually big-ticket items you or leadership are buying.

The rest? They create headaches, not rewards.

That’s why Adaptive Cards are meant for your team—and come with 1% cash back on every purchase. No games. No thresholds. Just real savings on your day-to-day field spending.

Built to Work With the Cards You Already Use

Adaptive Cards are charge cards, not credit cards. That means:

• No interest2
• No personal credit checks
• No impact on your existing points programs

You can keep using your Amex or Chase for large purchases, while issuing Adaptive Cards to your team for everyday jobsite expenses.

It’s a field-ready solution that works alongside your existing financial stack—not against it.

Better Job Costing Starts at the Point of Purchase

Clean job costing doesn’t start in QuickBooks. It starts the moment someone swipes a card.

When expenses are coded instantly—by job, by cost code, by project—you don’t have to chase receipts, fix coding errors, or wonder what actually hit the budget.

And when everything is tied together in the Adaptive platform, your financial reports finally reflect what’s really happening on the ground.

Adaptive Cards Are Best For:

• Builders with 9+ employees, especially if you're growing fast
• Teams using debit cards, Venmo, or multiple store accounts
• Companies frustrated with missing receipts or vague charges
• Firms already using Adaptive who want even tighter control

Final Thought: It’s Not About the Card—It’s About the Control

Adaptive Cards are available exclusively to Adaptive users—because they’re not just cards. They’re an extension of the platform you already trust to manage job costs, track spend, and keep your books clean.

They enhance the tools you’re already using by bringing faster visibility, better coding, and real-time field control directly into your financial workflows.

With Adaptive Cards:

• Every expense is tracked in the moment
• Every receipt is tied to the job
• Every charge shows up in Adaptive, already coded and ready to reconcile

No extra systems. No disconnected tools. Just a smarter, simpler way to manage field spending—from the same dashboard you're already using.

¹Adaptive partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for Adaptive Card. Capital provided by CapitalOS. Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Depending on your location, credit is provided by CapitalOS, Inc. or CapitalOS Financial Services LLC.

2Adaptive Cards is a pay in full charge card. Any outstanding statement balance will be automatically debited on each monthly payment due date from your designated bank account. If your account cannot be successfully debited on the payment due date, your card may be locked and you won’t be able to make new purchases until your balance has been repaid. Late fees may apply.