Arc manages your treasury. Lovie manages your entire business.

Arc focuses on treasury management and FDIC-insured deposits. Lovie starts with formation and gives you banking, cards, and AI — all integrated.

Join the Waitlist
Lovie
Your Business Name
Coming Soon
Join the Waitlist

Lovie vs Arc: side by side.

A detailed comparison of Lovie and Arc Business Card for startups and small businesses.

Arc Business Card

Arc

Arc

Full review
Annual Fee
$0
Rewards
1-2% cashback
Intro Offer
None

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

Join the Waitlist

Related reading

Card reviews