Zena | The Business Card That Tracks Expenses by Project
- By Umm e Hani
- Updated on July 21, 2025
Inside This Article:
Discover Zena, the smart platform for project-based expense management that simplifies financial tracking and budget oversight.
Zena is a project-based expense management platform designed to simplify and streamline financial tracking for businesses that operate on a project basis. It offers features like AI-powered transaction categorization, project-specific cards, budget tracking, and real-time cash flow insights to help teams manage finances efficiently and stay profitable.
With seamless integration into accounting tools like QuickBooks Online, Zena enables businesses to automate expense allocation, eliminate manual reconciliation, and maintain full visibility over project budgets. Zena supports a wide range of industries, including agencies, contractors, freelancers, and consultancies, with a user-friendly platform tailored for businesses of all sizes.
Zena automatically assigns every purchase to the right project, so you stay on budget without the busywork.
How Zena Can Help Your Business
Zena can help your business by providing a smart, automated expense management system built specifically for project-based operations. It enables businesses to issue project-specific cards, automatically allocate expenses to the right budgets, and monitor profitability in real-time, reducing manual effort and eliminating financial blind spots.
With integrations to popular accounting platforms, Zena saves time by syncing data seamlessly while providing insights to control budgets and forecast cash flow. Its intuitive interface makes it accessible for teams of all sizes, empowering businesses to improve financial accuracy, stay on top of spending, and focus on scaling their operations.
Zena Features
Zena offers a comprehensive set of features designed to simplify project-based expense management and optimize financial tracking for businesses.
These features include:
Project-Specific Cards: Issue physical or virtual cards tied to specific projects for precise expense tracking.
AI-Powered Categorization: Automatically assigns transactions to the correct projects and categories, reducing manual work.
Budget Control Tools: Set and monitor spending limits per project to avoid overspending.
Cash Flow Forecasting: Gain real-time visibility into profitability and future cash flow.
QuickBooks Integration: Sync expenses directly with your accounting software to streamline reconciliation.
User-Friendly Dashboard: Manage budgets, track transactions, and analyze insights in an intuitive interface.
Unlimited Virtual Cards: Create multiple cards for teams and projects at no extra cost.
Zena features empower businesses to save time, minimize errors, maintain full control over finances, and focus on growth.
How to Use Zena
Using Zena is simple and intuitive, allowing businesses to efficiently track expenses and manage project budgets.
Here’s a step-by-step overview:
Create an Account: Sign up and connect your bank account or accounting tools to get started.
Set Up Projects: Create individual projects and define their budgets, timelines, and spending rules.
Issue Cards: Generate virtual or physical cards for each project or team member.
Track and Categorize Expenses: Let Zena’s AI automatically allocate transactions to the correct projects.
Monitor Budgets in Real-Time: Review spending, track profitability, and forecast cash flow directly from the dashboard.
Sync with Accounting Tools: Export or sync data seamlessly to QuickBooks Online for easy reconciliation.
Review Insights: Use reports to identify cost savings, optimize cash flow, and stay on top of financial performance.
By following these steps, Zena helps businesses gain transparency, reduce manual work, and manage finances with ease.
Zena Pricing
Zena offers flexible pricing plans designed to accommodate individuals, small teams, and growing businesses, providing tools to simplify project-based expense management. Below is a detailed breakdown of Zena’s pricing plans, with all prices listed in USD and billed annually.
Free Plan – $0/month
The Free plan is ideal for solopreneurs and side hustlers who need essential expense tracking without any upfront cost. It includes unlimited virtual cards, physical cards for in-person spending, access for one user, and full access to Zena’s software features. This plan is perfect for individuals managing project-based spending who want to get started at no cost.
Pro Plan – $17/month
The Pro plan is designed for small teams managing shared expenses across multiple projects. It includes everything in the Free plan, plus access for three users, QuickBooks Online integration for seamless accounting, and the ability to add additional users for just $5 per month each. This plan is the most popular option for businesses seeking enhanced collaboration and integrated financial workflows.
Rewards Plan – $25/month
The Rewards plan is built for teams looking to maximize benefits from their spending while managing finances efficiently. It includes everything in the Pro plan, plus $200 in annual statement credits through the Zena Rewards program and opportunities to unlock additional rewards as spending increases. This plan is best suited for teams who want robust expense management along with incentives for their purchases.
Each Zena plan is designed to fit the unique needs of businesses, from individuals just starting out to teams seeking rewards and deeper integrations, ensuring that every user can manage project-based finances effectively.
Zena Free Plan
The Zena Free Plan is perfect for solopreneurs and side hustlers, providing essential tools for managing project-based expenses without any cost.
Here are the key features included in the Free Plan:
Unlimited Virtual Cards: Issue as many virtual cards as needed to manage spending for different projects or vendors.
Physical Cards for In-Person Spend: Access physical cards to handle in-person purchases and business-related expenses.
1 User: Designed for individual users, offering a simple solution for tracking and managing expenses.
Full Access to Software Features: Gain access to all of Zena’s core tools, including project tracking, expense categorization, and budget visibility.
The Free Plan provides a comprehensive starting point for individuals managing their own project-based finances, offering robust features with no monthly cost.
Zena Pro Plan
The Zena Pro Plan is ideal for small teams managing shared expenses across multiple projects, offering powerful tools to simplify collaboration and integrate with accounting systems.
Here are the key features included in the Pro Plan:
Everything in the Free Plan: All features from the Free Plan, including unlimited virtual and physical cards and access to all software tools.
3 Users Included: Perfect for small teams, with built-in access for three users to collaborate on managing expenses.
QuickBooks Online Integration: Seamlessly sync your expenses with QuickBooks Online for streamlined bookkeeping and reconciliation.
Add Additional Users: Easily scale by adding more users for just $5 per month each.
The Pro Plan is the most popular choice for growing teams, offering collaboration tools and integrations that make financial management easier and more efficient.
Zena Rewards Plan
The Zena Rewards Plan is designed for teams that want to maximize their benefits by earning rewards while managing expenses efficiently.
Here are the key features included in the Rewards Plan:
Everything in the Pro Plan: All features from the Pro Plan, including QuickBooks integration, team access, and unlimited cards.
$200 in Annual Statement Credits: Receive yearly statement credits through Zena’s Rewards program, reducing overall costs.
Unlock Additional Rewards: Earn more rewards and incentives as your team’s spending increases, maximizing value for every transaction.
The Rewards Plan is ideal for businesses that want not only robust expense management and team tools but also opportunities to earn and save more as they scale.
Zena Project Card
Zena’s Project Card is designed to simplify how businesses manage spending by providing project-specific virtual and physical cards. These cards help teams separate and track expenses for each project, ensuring every transaction is accurately allocated.
The platform allows businesses to issue unlimited virtual cards and physical cards tied to individual projects, making it easy to control budgets and monitor spending in real time. Project managers can set limits, assign cards to team members, and track every purchase with full visibility, eliminating confusion over shared expenses.
By offering precise expense tracking and budget control, Zena’s Project Card helps businesses avoid overspending, improve financial organization, and keep every project profitable.
Zena Project Expense Management
Zena’s Project Expense Management is designed to automate and streamline how businesses track and categorize expenses across multiple projects. It reduces manual work by using automation and integrations to handle expense allocation seamlessly.
The platform automatically categorizes transactions, assigns them to the correct project, and syncs the data with accounting systems like QuickBooks Online. Teams can monitor spending in real time, identify cost overruns, and generate reports to analyze profitability without tedious spreadsheet tracking.
By automating expense allocation and providing complete visibility into project finances, Zena’s Project Expense Management saves time, improves accuracy, and allows teams to make smarter financial decisions.
Zena Project Tracking
Zena’s Project Tracking is designed to give businesses full visibility over their project budgets, timelines, and spending progress. It enables teams to monitor financial performance in real time and stay on top of profitability.
The platform provides dashboards that display budgets versus actual spend, upcoming expenses, and cash flow forecasts. Project managers can quickly identify when a project is over or under budget and make adjustments to avoid financial issues before they occur.
By centralizing all financial and budget data, Zena’s Project Tracking empowers businesses to stay proactive, make data-driven decisions, and ensure projects remain profitable and on schedule.
Zena AI Agent
Zena’s AI Agent is designed to help businesses manage expenses and finances with intelligent automation and insights. It reduces the need for manual data entry and provides actionable recommendations for better budget control.
The AI Agent can automatically categorize transactions, predict future cash flow trends, detect anomalies in spending, and recommend ways to optimize budgets. It learns from a company’s historical data, providing tailored financial insights that help teams make smarter decisions.
By leveraging artificial intelligence, Zena’s AI Agent enhances accuracy, reduces workload, and empowers businesses to manage finances proactively rather than reactively.
Zena Budget Calculator
Zena’s Budget Calculator is designed to help businesses plan, manage, and optimize their project budgets with ease. It allows teams to forecast costs, allocate resources effectively, and avoid overspending.
The platform enables users to create detailed budget plans for each project, adjust figures in real time as expenses occur, and predict future spending based on historical trends. Managers can also model different financial scenarios to prepare for unexpected changes.
By providing accurate forecasting and dynamic budget adjustments, Zena’s Budget Calculator helps businesses stay financially organized, minimize risk, and keep every project on track for profitability.
Zena Alternatives
When exploring alternatives to Zena for project-based expense management and financial tracking, here are some popular options:
Expensify
Expensify provides tools for expense tracking, receipt scanning, and corporate card management. It simplifies reimbursements and integrates with accounting software, making it a solid option for businesses managing employee expenses.
Divvy (by Bill)
Divvy offers corporate cards with built-in budgeting tools, helping teams track and control spending in real time. Its platform combines spend management with rewards programs, making it a popular alternative for teams seeking financial oversight and perks.
Ramp
Ramp focuses on automating expense management with AI-powered insights, corporate cards, and integrations with accounting systems. It’s ideal for businesses looking to streamline their financial operations and reduce manual work.
Brex
Brex offers corporate cards and spend management tools tailored for startups and growing companies. It provides robust rewards programs and seamless integration with financial tools, making it a top choice for scaling businesses.
Airbase
Airbase combines expense management, bill payments, and corporate cards into a single platform. It’s designed for companies that want an all-in-one solution for managing their finances while maintaining visibility over budgets.
Spendesk
Spendesk focuses on team spending control with prepaid cards, approval workflows, and automated expense reporting. It’s particularly useful for small and medium-sized businesses looking for better visibility over employee expenses.
Each of these platforms offers unique tools for managing corporate and project-based expenses, allowing businesses to choose the best fit based on their size, needs, and desired features.
Zena is it Worth it?
Zena is certainly worth considering for businesses that manage project-based spending and need a streamlined way to track, control, and optimize their finances. It offers a range of features, including project-specific virtual and physical cards, automated expense categorization, QuickBooks Online integration, AI-powered insights, and real-time budget tracking, all designed to reduce manual effort and improve financial accuracy.
Zena’s flexibility caters to a wide range of users, from solo entrepreneurs to growing teams. Its plans scale to meet business needs, offering essential tools for individuals at no cost and advanced features like integrations, rewards, and team access for a low monthly fee. By combining automation with intuitive dashboards, Zena helps businesses gain visibility over their spending, avoid financial blind spots, and make data-driven decisions.
Overall, Zena’s functionality, ease of use, and competitive pricing make it a strong solution for businesses seeking better financial control and profitability across their projects.
Disclosure: We are an independent entity from Zena. We are not an agent or employee of Zena and have no authority to make binding contract or represent Zena. We receive referral payments from Zena. The opinions expressed here are our own and shall NOT be interpreted or considered as representations, guarantees, or statements by Zena.
Frequently Asked Questions
Zena offers three main plans billed annually in USD:
Free Plan: $0/month — includes unlimited virtual cards, physical cards, one user, and full software access.
Pro Plan: $17/month — includes everything in Free plus 3 users, QuickBooks Online integration, and additional users at $5/month each.
Rewards Plan: $25/month — includes all Pro features plus $200 in annual statement credits and enhanced rewards for higher spending.
Yes. Zena’s pricing is competitive and scalable: the Free plan offers robust tools at no cost, while Pro and Rewards plans are priced comparably to similar fintech platforms, adding valuable integrations and benefits at reasonable monthly rates.
No. Zena clearly states there are no setup fees, hidden fees, or surprise charges with any of its subscription plans.
Zena’s Annual billing reduces the monthly cost compared to monthly payment, and occasional promotional bonuses (e.g., extra Rewards benefits) may be offered. For tailored pricing or custom enterprise features, Zena also provides the option to talk to their sales team.
No money-back guarantee is mentioned. Zena allows plan changes (upgrades or downgrades) at any time, but there’s no explicit refund policy or money-back guarantee noted in their FAQs.
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