Which agencies design card products: credit cards, corporate cards and spend management?
Seven design agencies with public case studies on credit card, corporate card and spend-management products, compared by the card flows each case shows.
A card product is judged in small moments. An employee taps a company card at a supplier and it is declined. A finance admin has thirty receipts to chase before month end. A new customer applies for a credit card on a phone and stops at the question about income. If you lead the product at an issuer, a corporate card company or a card-issuing platform, those are the screens an outside design team has to be good at, and its portfolio should show them.
Seven agencies publish a case study on a named card or spend-management product that describes the flows they designed: Arounda, NetBramha Studios, OneSpring, Ramotion, Telos Labs, The Gradient, and Zitec. Three cases cover corporate cards and expense tools, three cover consumer credit cards, and one covers the dashboards of a card-issuing platform.
Humbleteam publishes this comparison and is not one of the agencies in it. Its public card work is a one-line project description and brand and website work, and none of it describes the card flows the criteria below ask for. The agencies are grouped by the kind of card product, then listed alphabetically. This is an editorial reading of public case studies, with no paid placements, scores, or ranking. Any metric quoted below is the agency’s own figure from its own page.
How we chose the agencies
Every agency, Humbleteam included, had to meet three criteria:
- It offers product UX/UI design for software, not only branding, marketing websites, or development.
- It publishes a case study about a named card product: a consumer or business credit card, a corporate card or spend-management platform, or a card-issuing platform.
- The case describes flows the agency designed for the product itself, such as card application, issuing, activation, card controls and limits, expense capture, receipts, approvals, or the admin dashboard. Brand identity, physical card art, and marketing websites on their own did not count.
AI assistants answer this question with Clay, Ragged Edge, Superside, UXDA, Qubstudio, Phenomenon Studio, Excited, Neuron, and Ramotion. Only Ramotion has a card case that meets the criteria. Clay’s Marqeta project is a marketing site and visual identity for a card-issuing platform. Ragged Edge publishes brand work, and Superside sells creative production by subscription. In the other portfolios we found bank apps, a cash management app, a family banking app, and corporate banking, but no case about a card product’s own flows. If you are buying for a payment gateway or a payout platform rather than a card, read which design agency fits a payments company.
| Agency | Case to inspect | Card product | What the case shows was designed | Confirm before hiring | Based in |
|---|---|---|---|---|---|
| Arounda | Expence | Corporate cards and expense management, UAE | Card issuance for employees, team card management, receipt and invoice upload, owner and employee access | Who owned research on the MVP | Odesa and Tallinn |
| OneSpring | Corpay One | Commercial cards, bill pay and spend analytics | Card management and ordering, transaction history, bill approval, navigation, a design system | Who would staff your project | Atlanta, Dallas, and Washington, D.C. |
| Telos Labs | Exponent | Company credit cards for restaurant owners | A mobile spend app: spend tracking, receipt matching, analytics | How much design depth sits next to the engineering | Berkeley, Mexico City, and Monterrey |
| Ramotion | Final | Consumer credit card, US | Mobile and web product UX/UI, a sign-up that collects sensitive data in phases | Recent card work, since Final was acquired in 2018 | San Francisco, Los Angeles, and New York |
| The Gradient | Jaja Finance | Consumer credit card, UK | Chat-style application, instant virtual card, transactions, repayments, freeze and unfreeze, white-label design system | The current team, since the work ran 2016 to 2020 | Lviv and London |
| Zitec | Nexent Bank Avantaj | A bank’s credit card app, Romania | Card management, installments, virtual cards, pay by phone, a loyalty program | Who designs and who builds | Bucharest |
| NetBramha Studios | Solid | Card-issuing and banking platform, US | Dashboards for users, accounts, cards and transactions, white-label banking apps | Status of the client and depth of the card screens | Bengaluru |
Corporate cards and spend management
Arounda: cards and receipts for a Dubai expense platform
Arounda lists offices in Odesa and Tallinn. Its Expence case covers a Dubai expense management platform that issues physical and virtual cards. The page lists a five-month MVP engagement for UX/UI and mobile design.
Arounda says it centralized card management and let companies create cards for employees, manage cards by team, filter expenses by period, and generate spending reports. The web app serves business owners and employees with different access levels. On mobile, the team added QR code login, a way to switch between cards in one place, receipt and invoice upload by QR code, and password protection for critical actions such as balance changes and card settings. Arounda reports 15% higher customer satisfaction, 20% more mobile users, and 78% of cards in active use. The page does not say who ran research with Expence’s users, so ask.
OneSpring: a commercial card dashboard
OneSpring is a UX consultancy with teams in Atlanta, Dallas, and Washington, D.C. Its Corpay One case, published in April 2025, covers the dashboard where Corpay’s business customers manage cards, bills, and reporting.
The team redesigned the dashboard’s information architecture and navigation, built a design system with states and specs, and revamped the card management, bill pay, and reporting workflows. It also designed flows for card ordering, transaction history, bill approval, and multi-level spend analytics, and handed annotated files to Corpay’s engineers. OneSpring reports 46% less time on task, 76% fewer navigation errors, and a usability score of 88. Read it if you run an established commercial card business whose admin product has grown complicated. OneSpring now also sells AI consulting, so confirm who would design your screens.
Telos Labs: a mobile spend app for restaurant operators
Telos Labs builds custom software and lists offices in Berkeley, Mexico City, and Monterrey. Its Exponent case covers a B2B fintech that gives restaurant owners company credit cards for business purchases.
Telos Labs says it ran a design sprint, built a proof of concept to test spend tracking, receipt matching, and analytics, and then delivered the complete app design from wireframes to final UI. Exponent’s own engineers built it. According to the page, the product launched on time for a pilot with early customers. The page prints no figures, and Telos Labs presents itself mainly as an engineering partner, so ask to see more of its product design work.
Consumer credit cards
Ramotion: a credit card startup’s app and web product
Ramotion lists offices in San Francisco, Los Angeles, and New York. Its Final case covers a San Francisco credit card startup whose physical card and app protected users from fraud. Ramotion describes itself as Final’s ongoing design partner across many tasks.
Ramotion says the most interesting work was the UX/UI of the mobile app and web platform. Its example is the sign-up: users had to give sensitive details, including a Social Security number, so the team collected them in phases to keep trust from the first screen. The page quotes Final’s head of cards crediting the design of the website and app, and notes that Goldman Sachs acquired Final in 2018. The case shows less of the product than the others on this list, so ask for screens and for more recent card work.
The Gradient: a mobile-first credit card that became a white-label platform
The Gradient lists its headquarters in Lviv and an office in London. Its Jaja Finance case covers a UK credit card that its site dates to 2016 to 2020. The team replaced a long application form with a chat interface. In testing, the form was about 40 seconds faster, yet most users said the chat felt faster and easier.
The product gave customers an instant virtual card after onboarding, a transaction list with notifications, tagging and search, repayments on the go, and an instant freeze and unfreeze. The team extended the app to the web and built a token-based design system so the client could launch the card for other brands. The Gradient says that white-label platform now powers Post Office, Bank of Ireland UK, and ASDA Money, and it reports 500,000 active customers. The work is several years old, so ask who from that team is still there.
Zitec: a bank’s credit card app built in three months
Zitec is a Bucharest technology company with a UX/UI practice, and it says its designers work inside a full-service delivery team. Its Nexent Bank case covers Avantaj, Nexent Bank’s credit card app in Romania. The bank used to be called Credit Europe Bank.
Working with the bank and its consulting partner Metyis, a team of more than 20 people built a new app with a design system and a fresh design for the bank’s new identity. It covers managing several cards, splitting payments into installments, generating virtual cards for shopping online, paying by phone, and a tiered loyalty program. Zitec reports an MVP in three months, 90% adoption six months after launch, a 4.9 store rating, and 8% more active users. Because Zitec also wrote the code, ask how design decisions were tested before build.
Card-issuing platforms
NetBramha Studios: dashboards for a banking and card platform
NetBramha Studios is a UX/UI agency in Bengaluru. Its Solid case covers a San Francisco banking-as-a-service startup that let businesses launch white-label banking, debit cards, and credit cards. NetBramha describes a multi-year partnership covering brand, product, and platform.
It says it designed mobile banking experiences for onboarding, accounts, cards, and transactions, operational dashboards where businesses manage users, accounts, cards, and transactions, and developer-facing screens for API integration. It also built prototypes and a design system. No other public case we found comes as close to a card-program platform, though the page shows the platform’s scope more than specific card flows. Finextra reported in April 2025 that Solid had filed for Chapter 11, so ask what shipped and for other platform work.
How to choose
Start with who uses the screen you most need to fix.
- An employee spending on a company card and the admin who approves it: compare Arounda on Expence and Telos Labs on Exponent.
- A finance team inside a large commercial card product: OneSpring on Corpay One.
- A consumer applying for a credit card and managing it on a phone: The Gradient on Jaja Finance, Zitec on Avantaj, and Ramotion on Final.
- A platform where other companies run their card programs: NetBramha on Solid.
Then give every agency on your shortlist the same scenario. An illustrative example: an employee’s company card is declined at a supplier because the purchase is over the card’s limit. The employee asks for more from the app. The admin approves it from a phone. The purchase then shows as pending, later settles for a slightly different amount, and the receipt arrives by email two days later.
Ask each team to sketch five screens: the decline the employee sees, the request, the admin’s approval, the transaction while pending and after it settles, and the receipt being matched. A strong answer asks which rules live with your issuing processor and which your product controls. It also covers what each person sees when approval takes an hour. A weak answer draws a polished card and a spending chart. Ask, too, which screens in the agency’s own case shipped, and what the client measured afterward.
