The Official Corporate Card of the Texas Restaurant Association

The Texas Restaurant Association & Tab Commerce have partnered to launch the TRA Card, a modern corporate card built just for Texan restaurants.

The Card unifies the benefits of a modern corporate card, powerful spend control software, and the leading business association for the $106B Texas restaurant industry.

Read the Launch Announcement

No personal guarantees or credit checks required.

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Introducing the TRA Card

The TRA Card is the most powerful financial tool for Texas restaurants and aims to add millions to their bottom line every year.
No personal credit checks or guarantees required.

Earn
Earn Up To 1.25% Cash Back

Restaurant members of the TRA get 1.25% unlimited cash back on all purchases made on the TRA Card (25% more than non-members)

Support
Support the Foundation

Each purchase on the TRA Card supports the Texas Restaurant Foundation to help the Texas restaurant industry thrive

Save
Exclusive Perks & Rewards

TRA members using the TRA Card access vendor perks, exclusive events, collaborative marketing, and much more

questions & answers

How Does This Work?

Who is Tab Commerce?

Tab Commerce is a financial technology company providing the most secure way for restaurants to spend money. Get virtual operating accounts, modern corporate cards, and more - all secured with our payment verification.

How does the TRA Corporate Card work?

Get started in minutes with no credit checks or personal liability. The Tab Card works just like any other corporate card but with the benefits of powerful spend control software built just for restaurants.

What does it cost?

Tab has simple, transparent pricing plans designed to drive a 10x+ ROI to our restaurant customers. See Pricing.

What is the Tab Platform?

The Tab Platform enables seamless spend management end-to-end. Including invoice & receipt management, approvals, supplier payments, spend analytics, and much more.

Do I need to be a member of the Texas Restaurant Association?

Only members of the Texas Restaurant Association earn up to 1.25% unlimited cash back. Non-members earn up to 1.00% cash back, meaning the TRA Card more than pays for a TRA membership.

What is the Texas Restaurant Association & Foundation?

More information about the Texas Restaurant Association can be found here and information about the Texas Restaurant Foundation here.

Built for restaurants

of all types

Tab works for restaurants of all types & sizes

Tab enables multi-unit restaurant groups to seamlessly segregate and control spending at scale. A single place for all location-level operating accounts, cards, accounting automations, and more.

Sync transactions to multiple QBO accounts
Segregate & manage 2-100s of locations in one place
Isolate cards, spending, and staff for each location
Automatically reconcile card transactions with invoices & receipts
Monitor group-wide spend in real-time

Tab works with franchise restaurant groups to both enhance corporate-level spending and enhance the franchisee experience with branded cards.

Seamlessly manage corporate-level spending across all staff
Empower franchisees with corporate cards & powerful spend control tools
Gain a new revenue stream & offer franchisees cash back
Enable franchisees to automate costly back office work

Unlock unlimited 1% cash back on all spending with Tab corporate cards, eliminate painful manual back-office work, and gain control + visibility.

Unlimited 1% cash back on all purchases using the cards
Eliminate overspending & fraud with employee cards for business spend
Streamline back-office work with accounting integrations

Enterprise restaurant groups work with Tab across a suite of products from corporate cards, back-office automation, internal money movement & treasury, and much more. Get in touch to learn more.

Issue & manage unlimited physical & virtual corporate cards
Automatically reconcile card transactions with invoices & receipts
Manage corporate, restaurant & employee level spending
Gain unprecedented control & real-time visibility over group-wide spending

We love the restaurant industry

Our team grew up in the restaurant industry, working every job from dishwasher and server to controller and owner. We've built our platform from the ground up right alongside our restaurant partners.

$35,000+

Average annual savings on total costs with Tab3

3 Minutes

Typical human response time to customer support inquiries

7%

Average annual savings on total costs with Tab1

25

Hours of manual back-office work saved per month per location2

questions & answers

Frequently Asked Questions

Who is Tab Commerce?

Tab Commerce is a financial technology company providing the most secure way for restaurants to spend money. Get virtual operating accounts, modern corporate cards, and more - all secured with our payment verification.

How does the Tab Corporate Card work?

Get started in minutes with no credit checks or personal liability. Tab cards work just like any other corporate card but with the benefits of powerful spend control software built just for restaurants.

How do Tab cards work across multiple locations?

Tab cards enable restaurants to completely automate the complexity of managing corporate cards across multiple locations. From card issuing and management, assigning transactions to the right locations, transaction splitting, and knowing exactly what each location owes on the statement. It's all incredibly simple with Tab.

Where can I use Tab Cards?

Anywhere that Visa is accepted (most places). Most vendors accept cards, but some might only be available upon request. With the Tab Network, we work directly alongside our restaurant partners to enable their largest vendors to accept Tab Cards without passing on fees.

What are the limits on the card?

Easily apply for credit limits or use cash by securely connecting each locations primary bank accounts with Tab.

Can I add my team to Tab?

You can create as many users as you would like. You can have Admins who can do everything across all locations and Employees who can only see the cards that you have assigned them. Managing this is incredibly easy from within the Tab Platform.

What are virtual operating accounts?

Virtual operating accounts are business checking accounts but used specifically for the chaos of spending and operations. Virtual operating accounts isolate this chaos away from your primary bank, increasing security, simplifying expenses, and providing access to powerful embedded products to control spending and automate back office work.

Can virtual operating accounts hold a balance?

Yes, you can hold a balance in the virtual operating accounts. Funds in the account will earn 2% APY, calculated daily and paid monthly.

Are these accounts FDIC eligible?

Yes, accounts are eligible for FDIC insurance up to $250,000.

How can I fund my virtual operating accounts?

You can easily link your primary bank accounts and set up auto-funding to maintain a minimum balance. You can also receives sales payouts from your POS or delivery apps into the accounts via our Deposit Management product.

How can I move vendor direct debits (auto-payments) to this account?

Simply provide your virtual operating accounts routing & account number to your vendor, they'll do the rest.

How else can I pay vendors with Tab?

With just 2-clicks, you can send a same-day ACH to any of your vendors. You can also pay with Tab corporate cards.

What do I do with my current bank accounts?

Keep your primary bank account, and link it right into Tab. It's good to separate the chaos of spending and operations away from where your savings and the bulk of your cash sits.

How can I connect my POS & payroll systems?

Each virtual operating account has a unique account & routing number. This information can easily be inputted into your POS, delivery apps, payroll systems, and any other revenue or expense source.

Learn More

Learn more about Tab

Book a call with a member of our team to learn more, get a walkthrough of our product, and if you'd like, get started with Tab.

Platform Demo
Implementation Plan
Onboarding Kickoff
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