The Best Corporate Cards For Businesses

Ramp is a corporate card built for businesses that want rewards, spend controls, and expense management tools in one platform.

Ramp offers cash back, no monthly fee for its core plan, partner discounts, accounting integrations, automated expense tools, and savings insights designed to help businesses control spending. Ramp Flex may also give eligible businesses more time to pay, though availability and fees vary.

BILL Spend & Expense is a corporate card option for businesses that may not qualify for more restrictive corporate card programs.

BILL offers rewards, virtual cards, spend controls, expense management tools, accounting integrations, and no annual fee. Eligibility may be more accessible than some corporate cards, but rewards depend on billing frequency and monthly spending requirements.

Rho is a corporate card option for businesses that want cards, banking, and accounts payable tools in one platform.

Rho offers cash back, flexible repayment terms, physical and virtual employee cards, card-level controls, bill pay, accounting sync, checking, savings, and treasury account options. Rewards vary based on repayment terms, and some purchases may not qualify for cash back.

Mercury's IO is a corporate card for businesses that want simple cash back rewards and business banking tools in one platform.

Mercury's IO offers unlimited cash back with automatic redemption, virtual cards, employee cards, custom spend controls, partner discounts, accounting integrations, and access to Mercury checking and savings accounts. Eligibility depends on having qualifying Mercury accounts in good standing.

The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. 

Brex is a corporate card for startups and growing businesses that want rewards, spend controls, and expense management without a personal guarantee.

Brex offers rewards, partner perks, virtual and physical cards, expense tracking, employee controls, automated workflows, and paid plans for more advanced travel, customization, integration, and global support needs. The highest rewards rates require daily repayments and using Brex as your exclusive corporate card.

Expensify Visa Corporate Card is best for companies that want corporate cards tied directly to expense management, invoicing, bill pay, and travel tools.

High-spending businesses may qualify for stronger cash back rates, while all eligible card users can access Expensify’s expense management platform, partner discounts, travel benefits, and card controls. Businesses need a paid Expensify plan, though subscription fees may be waived for qualifying card spend.

The American Express Corporate Gold Card is best for established businesses that want corporate card rewards and travel perks.

Cardholders can earn rewards points and access benefits such as Uber Cash, airline fee credits, Hilton Honors status, baggage insurance, reporting tools, and Amex travel perks. However, the fees make it best for businesses that can use enough benefits to offset the cost.

The Bank of America Executive Explorer Card is a corporate card for businesses that want premium travel benefits for employees.

The card offers lounge access credits, airport security screening credits, mobile wallet support, contactless payments, virtual cards, Global Card Access, and Dinova dining benefits. However, Bank of America discloses limited fee details publicly, so businesses should confirm pricing and terms before applying.

Capital One Spark 2% Cash is a business card for companies that want simple, flat-rate cash back without tracking spending categories.

Businesses can earn unlimited cash back on purchases, add free employee cards, set spending limits, monitor employee purchases, and access travel and purchase protections. The card does have an annual fee, but businesses with high enough annual spending may qualify for a refund.