Setting Up Expenses as part of HCM Midsize (Error: EXM-630168)

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I am trying to set up the expense module for a client who has bought Fusion HCM for midsize. 

They do not use any corporate cards and are wanting to use the system to reimburse employees who have incurred a cash expense.

While creating the expense report templates I get the following error:

"A default expense template must be enabled for corporate card mapping and have at least one active expense type. (EXM-630168)"

How is this an issue if they are not using any of the corporate card functionality?

Please help!