If your organisation pays suppliers by invoice, you no longer need a card. In Settings -> Billing, enter your organisation's name, a billing email, an optional PO number and an amount from $100 to $25,000. We email the invoice straight away, due in 30 days, and you pay it online.
Credits are added to your account when the invoice is paid, at the same rate as Growth credits: 125 credits per dollar. They never expire.
Holding Growth credits now also removes the makespdf.com link from your PDFs, including on the Free and Hobbyist plans, for as long as you have credits in your balance.