Small to medium-sized enterprises often struggle with cash flow management and lack access to tailored financial services that can optimize spending and maximize returns. Traditional business credit cards offer limited cash back and do not actively seek additional discounts or savings opportunities.

Winden provides an AI-powered business credit card that automatically maximizes cash back on every purchase. The platform's Scout feature actively negotiates discounts, promotional codes, and special offers with merchants to secure the highest possible returns. Winden also offers virtual credit cards with customizable limits and merchant locks to prevent unwanted charges and enhance security. The integrated business account allows users to receive payments, send money, and manage their Winden cards in one place, while also providing invoicing and payment tools.

2% unlimited cash back on every dollar spent

Winden Scout™ AI that automatically negotiates discounts and promotional codes with merchants

Virtual credit cards with custom limits and merchant locks

Business account for receiving payments, sending money, and managing Winden cards

Invoicing and payment tools for managing customers and getting paid quickly

Free domestic ACH and wire transfers

Integrations with accounting, payroll, and other business software

AI CFO for automated accounting and financial projections

24/7 email and chat support

Winden targets small to medium-sized enterprises seeking to optimize their spending, maximize cash back rewards, and streamline their financial management processes.

Winden operates on a subscription-based model, charging $99 per month for its Pro plan. If a customer does not earn at least $100 in cash back per month, their membership fee is refunded.