finallyReviews of finally.com

Adding another entry to the saga of Finally reducing our credit account from $30,000 to $0 with no warning, and locking the rewards balance behind a 30 day contact window. Update June 19th, 2026: They have now told me that the rewards program is cancelled and no accrued rewards will be paid out. We had about $2,000 accrued. Others I'm sure lost more but that's still extremely frustrating. Do not trust this company.

Had Finally for a few months. Loved the idea of my technicians being able to upload receipts to the Finally portal, which is integrated with QBO. Started off great, the cards were finicky at times and declined randomly. Then about two weeks ago, the cards started declining for gas- our most common transaction and then for other things. I could not get ahold of my account rep. Spoke to a rep through the Finally portal and was told by that person that Finally decreased our credit limit by $30,000.. they did not notify us. I was told by the same rep that they did this to numerous companies. It's been almost a week since I contacted my account rep, still not have heard back. I ended up closing our account as we can't operate our business with cards constantly declining and no communication.

Similar to others, I'm literally copying and pasting what another guy wrote because the same exact thing happen to me. My Credit line went from $200K to $0 overnight with no warning. They're holding over $5k in rewards. I think the trigger is when you try to use the rewards they cancel you. from David" As others have stated, this outfit decided to "Silently" cancel a lot of accounts, including ours, stating a credit line decrease was placed on our account. When you call support, they will NOT assist your and tell you that their underwriters are the only ones that can speak on the account and they will respond within 30 days.... Wait, what??? The major issue is that we have been using them for years now and have recently switched to them for ALL of our billing needs since they currently also do our bookkeeping. I just assigned our last employee a credit card. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning, no email, no phone call. Please do yourself a favor and DO NOT use this company for your financial needs. We currently have 3K of reward point rebates that are now locked into limbo as well. Stay Away.

UPDATE: Now, Finally is refusing to give us our rewards money, stating since our account is closed, they do not have to honor it. Now for the lawyers to do their work. Stay far away from this group and do not believe these 5 start reviews. I am betting they are all AI generated fakes anyway. As others have stated, this outfit decided to "Silently" cancel alot of accounts, including ours, stating a credit line decrease was placed on our account. When you call support, they will NOT assist your and tell you that their underwriters are the only ones that can speak on the account and they will respond within 30 days.... Wait, what??? The major issue is that we have been using them for years now and have recently switched to them for ALL of our billing needs since they currently also do our bookkeeping. I just assigned our last employee a credit card. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning, no email, no phone call. Please do yourself a favor and DO NOT use this company for your financial needs. We currently have 3K of reward point rebates that are now locked into limbo as well. Stay Away.

Same story happened to us. They auto drafted our account for the full balance (as always) and then reduced the credit limit to $0.00 with no warning. I have reached out to customer service and got the same generic response and other representatives that were involved in the onboarding just have out of office responses going out.

I would definitely advise everyone to steer clear of this company. We spent all the time to get Finally cards set up for our employees, only to have our credit limit set to $0 on the morning of the May 15th 2026. Then we could not get a hold of anyone to help us on why all of our cards were being declined. When I finally got a response, they gave me the same response as may others have stated. They couldn't tell me why, just that their risk team assessment changed our available credit amount. This has left us in quite a mess as this is how all of our employees pay for job materials. DO NOT USE THIS COMPANY FOR YOUR BUSINESS!!

Apparently I am not alone in this experience- we were approved with a 150k credit line for our business as we we lured to their expense tracking setup. Cards were rolled out to employees on a slow burn and what happens when all cards are handed out and employees trained on the setup? You guessed it.. card account restricted. No funds available and our entire credit line is restricted. No warnings. After 10 minutes on the phone, we are advised to email support and get a response in 30 days. Are you joking? What an absolute joke of how to run a business. I am sure something is up on the backend. Regardless- we are severing this relationship and will not be going back. Good riddance.

I didn't have a good experience. Needs improvement with timely customer service. Tried it a few months. Over promised and under delivered