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The Best Corporate Credit Cards For Businesses

The best corporate credit cards offer spending rewards, expense management tools, employee cards, and more. We'll detail the best options for your business.

    Chelsea Krause
  • Last updated onUpdated

  • Erica Seppala
  • REVIEWED BY

    Erica Seppala

    Editor & Senior Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Corporate credit cards can earn you points or cash back for your corporation’s purchases while offering spend management features, expense reporting tools, and more — all without personal liability.

The best corporate credit cards offer competitive rewards, low fees, and employee card controls to help make managing your business’s expenses easier and more rewarding. Some of these choices are so good they even make it on our list of overall best business credit cards against a stiffly competitive scene. Let’s dive in to see what makes these top corporate card options for small businesses so noteworthy.

Learn More About Our Top Picks

CompanyKey TakeawayNext StepsKey Takeaway
Ramp

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  • 1.5% cash back on all purchases
  • $0-$15/month per user
  • Available for corporations or non-individual LLCs
  • 1.5% cash back on all purchases
  • $0-$15/month per user
  • Available for corporations or non-individual LLCs

Apply Now

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BILL Spend & Expense

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  • Up to 7x rewards
  • $0/month
  • All business types with good credit are eligible
  • Up to 7x rewards
  • $0/month
  • All business types with good credit are eligible

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Rho

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  • Up to 1.25% cash back
  • $0/month
  • Must be a corporation or LLC
  • Up to 1.25% cash back
  • $0/month
  • Must be a corporation or LLC

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Brex

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  • Up to 8x rewards
  • $0-$12/moth per user
  • Must have $1 million+ in annual revenue, 50+ employees, or equity investment
  • Up to 8x rewards
  • $0-$12/moth per user
  • Must have $1 million+ in annual revenue, 50+ employees, or equity investment

Apply Now

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Expensify

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  • High cash back rate for companies spending over $250,000/month
  • Strong spend management platform
  • Limited eligibility information available
  • High cash back rate for companies spending over $250,000/month
  • Strong spend management platform
  • Limited eligibility information available

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American Express

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  • Three different Amex corporate card options
  • $75-$550/year
  • Must be a corporation/LLC/LLP and earn at least $4 million/year
  • Three different Amex corporate card options
  • $75-$550/year
  • Must be a corporation/LLC/LLP and earn at least $4 million/year

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Bank Of America

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  • Annual $600 Lounge Access statement credit
  • $375/year
  • No eligibility information disclosed
  • Annual $600 Lounge Access statement credit
  • $375/year
  • No eligibility information disclosed

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Capital One

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  • Save 1% to 4% on more than 30,000 qualifying businesses
  • No pricing information disclosed
  • No eligibility information disclosed
  • Save 1% to 4% on more than 30,000 qualifying businesses
  • No pricing information disclosed
  • No eligibility information disclosed

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Read more below to learn why we chose these options.

The 8 Best Corporate Credit Cards For Businesses

The best corporate credit cards let businesses earn rewards, manage expenses, and automate their reporting. Our choices include corporate cards from newer fintech card issuers along with a few options from the most popular credit card issuers. See which top pick fits your business best.

How The Best Corporate Credit Cards Compare

Monthly FeeSupported Business StructuresRewards Rates
Ramp$0-$15/month per userCorporations, LLCs, LLPs, and LPs1.5% cash back
BILL Spend & Expense$0All business structuresUp to 7x points
Rho$0Corporations, LLCs, LLPsUp to 1.25% cash back
Brex $0-$12/month per userCorporations, LLCs, LLPs1x-8x rewards
Expensify$0-$9/month per userAll business structuresUp to 2% cash back
American Express$75-$550/yearCorporations, LLCs, LLPsCustom
Bank Of America$375/yearCorporations, LLCs, LLPsNot disclosed
Capital OneNot disclosedCorporations, LLCs, LLPsUp to 4% cash back

Ramp: Overall Best Corporate Card

Total Rating 4.5
Rewards & Perks4.0

Rates & Fees5.0

Features5.0

Eligibility Requirements5.0

Customer Service4.5

User Reviews4.5

Rewards Rate

Unlimited 1.5% cash back on all purchases

Annual Fee

$0 for the standard package, $12/user/month for Ramp Plus

Business Size

Corporations and LLCs with $75K+ in the bank

Pros

  • Unlimited 1.5% cashback
  • Strong spend controls & automated savings
  • Low fees
  • Partner discounts

Cons

  • High cash reserve requirements
  • Available only to US-based non-individual liability companies

Why We Chose Ramp As The Overall Best Corporate Card

Ramp has an enticing combination of rewards, low fees, and unique finance management features. Ramp's corporate credit card offers a flat 1.5% cash back on all purchases. This, paired with Ramp's savings management features, accounting integrations, and an optional payment plan which is very unique for a corporate card makes Ramp a great choice for small businesses.

Ramp Rewards & Features

Your company will collect 1.5% cash back on all Ramp purchases — a very solid flat cashback rate for a corporate card with no earning cap on rewards. All told, here’s what you’ll get:

  • 1.5% cash back on all purchases
  • Access Ramp’s partner offers worth over $350,000, including discounts on AWS, Stripe, Slack, and more
  • Automated accounting that integrates with QuickBooks, Xero, and NetSuite
  • Specialized algorithm-driven precision spend controls to help you save money and manage expenses

Ramp Fees

Arguably, the biggest perk of Ramp is that you can use Ramp without paying any fees whatsoever. You get full access to the basic Ramp plan with no annual or monthly fees.

You can opt for the Ramp premium plan at $15/month/user which gives you access to more advanced features, more customization, more integrations, and international support.

You’ll also encounter fees if you opt for Ramp Flex. a program that lets you delay paying for a purchase for 30, 60, or 90 days. This program is particularly enticing and very rare for a corporate card (the only other card on the list that does this is Rho). Percentage fees for financing are determined on a business-by-business basis, and finance charges are due in advance (when the purchase is made).

Currently, Ramp Flex has a waitlist and is not available to all customers, which isn’t ideal. We’re hoping Ramp rolls this out to all customers soon.

When To Choose A Ramp Card

  • You want unlimited 1.5% cash back
  • You want help automatically saving, cutting costs, and eliminating unnecessary spending
  • You want the option to carry a balance on your card for 30-90 days
  • You need extensive customizable spend controls for employee purchases

Get Started With Ramp

Read our in-depth review

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BILL Spend & Expense: Best For Managing Budgets

BILL Spend & Expense

Total Rating 4.3
Rewards & Perks4.4

Rates & Fees4.5

Features4.3

Eligibility Requirements3.4

Customer Service4.5

User Reviews4.2

Rewards Rate

Up to 7X points on restaurants

Up to 5X points on hotels

Annual Fee

$0

Business Size

Small-to-mid-sized businesses

Must generally have $20K+ in the bank

Pros

  • Flexible rewards scheme that matches bill payoff frequency
  • Strong features & customizable budgeting
  • No annual or employee card fees

Cons

  • Some lackluster rewards redemption options
  • Foreign transaction fee

Why We Chose BILL Spend & Expense As The Best Corporate Card For Managing Budgets

The BILL Spend & Expense (formerly Divvy) corporate credit card doesn't just offer spending rewards. BILL's card offers a full-on expense management suite that automates a company's expense reporting while also providing team-by-team budgeting services.

BILL Spend & Expense Rewards & Features

The BILL Divvy corporate credit card features a flexible rewards program that adjusts based on how frequently you pay off your balance. The card offers other benefits as well, like virtual cards, a flexible credit line of up to $5 million, and standard security features. Plus, your business doesn’t even have to be incorporated to qualify. The company told us that it accepts sole proprietors in addition to corporations and LLCs.

Now, here’s what you’ll earn for your spending with BILL Spend & Expense:

  • Pay your balance weekly and earn 7x points at restaurants, 5x on hotels, 2x on recurring software subscriptions, and 1.5x on everything else
  • Pay semi-monthly and earn 4x, 3x, 1.75x, and 1x on those categories, respectively
  • Pay monthly and earn 2x, 2x, 1.5x, and 1x on these categories, respectively
  • Partner rewards and discounts with AWS, FedEx Office, Gusto, and others
  • Spend/expense management and accounting integrations

To keep your earned rewards in any month, you must spend at least 30% of your credit line for that month.

BILL Spend & Expense Fees

BILL Spend & Expense is nearly fee-free — there are no monthly or annual account fees, no fees for additional cards, and no interest (since you can’t carry a monthly balance).

The only fees charged are foreign transaction fees and late payment fees:

  • Cross Border Fees: 0.90% of the total transaction volume when the account user is US-based and 0.20% when the account is Canada-based
  • Currency Conversion Fees: 0.20% of total transaction volume, no matter where the account user is based
  • Late Payment Fee: 2.99% or $38, whichever is greater

When To Choose A BILL Spend & Expense Card

  • You’re willing to make weekly repayments to get elevated rewards on restaurant and hotel spending
  • You need a corporate card with flexible business structure qualifications
  • You want a corporate card with no monthly fees
  • You value budgeting and expense management features

Get Started With BILL Spend & Expense

Read our in-depth review

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Rho: Best For Flexible Repayment Terms

Total Rating 3.8
Rewards & Perks2.9

Rates & Fees4.5

Features4.7

Eligibility Requirements3.4

Customer Service4.0

User Reviews4.4

Rewards Rate

Up to 1.25% cash back

Annual Fee

$0

Business Size

$1 million in revenue or $1 million in equity capital raised

Pros

  • Flexible corporate card repayment terms
  • Cash back rates of up to 1.25%
  • No fees for its corporate card

Cons

  • Must be a corporation or LLC
  • High cash-on-hand/equity investment requirements

Why We Chose Rho As The Best Corporate Card For Flexible Repayment Terms

Rho offers the unique ability to make payments in daily, 30-day, or 60-day installments. The faster you pay your card back, the higher your cash-back rewards rate. This level of flexibility is great for small businesses that sometimes carry a balance. If your company needs more than just a corporate card program, Rho offers a full-on commercial banking suite and accounts payable solution, making it a great option for businesses.

Rho Rewards & Features

Rho’s corporate card is notable for its flexible credit terms — you can choose to make daily payments or opt for repayment terms of 30 or 60 days. The repayment length you select will determine your flat cash-back rate.

  • Earn 1.25% universal cash back on purchases when you make daily repayments
  • Earn 1% cash back with a 30-day repayment term
  • Earn no cash back with a 60-day repayment term
  • Access up to $600,000+ in partner perks and discounts
  • Automated bill pay that auto-syncs with your accounting software

Certain purchases are ineligible for Rho’s cash-back (see our review for full details).

Beyond flexible repayments and reasonable cash-back rates, Rho also offers unlimited physical and virtual employee cards, custom branding on cards, and card-level controls.

Rho Fees

Rho does not charge monthly or annual account fees, late fees, interest, ACH fees, etc. There are only two types of fees charged:

  • 1% FX fee for non-US currencies
  • $30 wire recall fee

While we don’t love that Rho has a foreign transaction fee, it is still smaller than many other foreign transaction fees.

When To Choose A Rho Card

  • You want flexible repayment terms to be able to carry a card balance
  • You want a corporate card that also offers banking and other business services
  • You want no monthly or annual fees
  • You are okay trading higher cash-back percentages for repayment terms if you don’t plan on paying daily
  • You don’t plan on making an excessive number of foreign transactions

Get Started With Rho

Read our in-depth review

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Brex : Best For Fast-Growing Startups

Total Rating 4.8
Rewards & Perks5.0

Rates & Fees5.0

Features5.0

Eligibility Requirements3.4

Customer Service4.0

User Reviews4.1



Pros

  • Flexible and unique points-earning structures
  • Thousands of dollars in partner discounts
  • No personal guarantee or personal credit check required

Cons

  • Brex must be your exclusive corporate card to get bonus points for purchases
  • Stringent eligibility requirements

Why We Chose Brex As The Best Corporate Card For Fast-Growing Startups

The Brex corporate card offers a great rewards program, advanced spend management and expense tracking, automated invoicing, and more -- all without personal liability, a credit check, or account fees. This makes it a great option for startups that may not have established credit yet. Brex also offers extensive expense management features to help fast-growing businesses keep track of their spending while maximizing rewards.

Brex Rewards & Features

If you make Brex your exclusive corporate card and elect to make automatic daily repayments, you’ll earn the following for your spending:

  • Brex’s standard rewards program offers 8x points on rideshare purchases, 5x points on Brex Travel purchases, 4x on restaurants, 3x on eligible Apple purchases through the Brex Rewards portal, 1.5x on ads, and 1x on everything else
  • Tech companies can replace the 1.5x points on ad spending with 3x points on recurring software purchases
  • Life sciences companies can replace the 8x points on rideshares with 8x points on life science conference ticket spending and can replace the 1.5x points on ad spending with 2x points on lab supply purchases
  • Access over $150,000 in partner rewards, including up to $100K in credits via AWS Activate and 25% off Slack for 12 months
  • In-depth expense tracking and employee controls through the Brex UI

To earn points at these rates, you must make Brex your exclusive corporate card and make automatic daily repayments. Rewards can be redeemed for statement credit or used to book travel arrangements through Brex’s portal

Brex Fees

Brex’s standard plan charges no fees whatsoever. No monthly or annual fees, no late fees, no foreign transaction fees — you get the idea.

Similar to Ramp, Brex now offers two additional paid subscription tiers. The first, Brex Premium, costs $12/user/month and gives you additional customization and integration options, in-app travel booking and management, and dedicated support for admins.

The second, Brex Enterprise, offers international support with local cards and billing in 50+ countries, locally-funded payments in 40+ countries, additional customization and feature options, and the highest level of customer support. Pricing for Brex Enterprise is quote-based.

When To Choose A Brex Card

  • You are a startup or quickly growing business that needs comprehensive employee spending controls
  • You don’t have credit yet, but do have $1M in revenue or equity investment
  • Brex’s rewards categories match your business’s spending habits
  • You don’t mind making Brex your company’s exclusive corporate card

Get Started With Brex

Read our in-depth review

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Expensify: Best Corporate Card For High Spending

Total Rating 3.7
Rewards & Perks3.4

Rates & Fees3.5

Features4.2

Eligibility Requirements4.2

Customer Service3.5

User Reviews4.3

Rewards Rate

1-2% cash back on all purchases

Monthly Fee

Starts at $5/user/month

Business Size

Small to medium sized

Pros

  • Great cash back rate for companies with a high level of spending
  • Receipt imaging and expense management
  • Trip reservation management

Cons

  • The card is only free if you meet a minimum monthly spending threshold
  • Lots of spending required to activate the highest cash back level

Why We Chose The Expensify Visa Corporate Card As The Best For High Spending

With the Expensify Visa Corporate Card, companies that spend over $250K/month will access unlimited 2% cash back earnings, which is higher than even the most competitive cash-back corporate cards on this list. Expensify's spending rewards get less compelling the less you spend. However, for companies that spend under $250K/month, Expensify's other features may make this option the right choice for businesses that want to manage their corporate card alongside their expenses and invoicing.

Expensify Visa Corporate Card Rewards & Fees

Expensify’s rewards are especially worthwhile for businesses with high spending levels.

  • Spend $250,000+/month across all Expensify Cards companywide and earn a flat 2% cash back on all purchases
  • 1% cash back on all other purchases
  • Save 50% on Expensify
  • Concierge travel benefits
  • Revenue share available for ExpensifyApproved! accountants
  • $75,000+ in partner discounts including AWS, Gusto, QuickBooks, and more

As we note in our Expensify review, the platform offers a wide range of expense management, invoicing, bill payment, and travel features.

Expensify Visa Corporate Card Fees

Expensify subscriptions normally range from free to $9/user/month, with more features offered with the pricier plans. However, Expensify now offers to waive your subscription fee if you meet a minimum monthly card spend. Unfortunately, the company doesn’t specify what that monthly spend is.

Expensify also offers two subscription packages for individuals, but these packages don’t include credit cards.

When To Chose An Expensify Corporate Card

  • You want to unlock one of the highest corporate card cash-back rates
  • You expect corporate card purchases of over $250K/month
  • You want a corporate credit card that’s part of a comprehensive expense management, invoicing, and bill pay platform

Get Started With Expensify

Read our in-depth review

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American Express: Best For Different Levels Of Employees

American Express


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Pros

  • An array of options to mix and match with different types of employees
  • Travel perks
  • Tailored rewards

Cons

  • Some card options have pricey annual fees
  • Must earn at least $4 million/year

Why We Chose The Amex Corporate Card As The Best For Best For Different Levels Of Employees

Amex issues three corporate credit cards as part of its corporate card program, which also features expense management tools and employee spending limits. You can mix and match these three cards to fit your employees' travel and spending habits. These cards also offer spending rewards, with both points and cash-back options available, so that you can leverage your employees' spending for maximum rewards.

Amex Corporate Card Rewards & Features

Here’s a quick overview of Amex’s three corporate cards and their featured benefits.

  • Corporate Platinum Card: Hilton Honors Gold Status, trip delay insurance, and $200 airline fee credit
  • Corporate Gold Card: Hilton Honors Silver Status and $100 airline fee credit
  • Corporate Green Card: Hilton Honors Silver Status

Furthermore, Amex’s corporate program for startups features a dynamic spending capacity of up to 10% of your business’s bank account, streamlined expense reports, and premium cards with perks such as airport lounge access and rewards in the form of points or cash back.

Amex Corporate Card Fees

Amex’s corporate card fees are quite a bit heftier than other corporate credit cards. However, the pros could outweigh the cons here for businesses that earn enough rewards to make these fees moot.

Here are the annual fees attached to Amex’s three corporate cards:

  • Corporate Platinum Card: $550 annual fee
  • Corporate Gold Card: $250 annual fee
  • Corporate Green Card: $75 annual fee

With each of these cards, the following additional fees apply:

  • Foreign transaction fee: 2.5% of each transaction
  • Late payment fee: $39 or 2.99% of the past due amount, whichever is greater
  • Administrative suspense fee: $25 (applies when your account is 90 days past due and your charge privileges are suspended)
  • Reinstatement fee (to get your card un-suspended): $25

When To Choose An Amex Corporate Card

  • Your incorporated business earns more than $4 million/year
  • You want your employees to have access to corporate cards with features and benefits that vary to match their needs
  • You want to mix and match employee cards for maximum rewards
  • You value an established company over an up-and-coming fintech company

Get Started With American Express

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Bank Of America: Best For Travel

Bank Of America


Visit Site


Pros

  • Valuable travel benefits
  • Restaurant rewards
  • Mobile/desktop app for account management

Cons

  • High annual fee
  • Minimal information available online

Why We Chose The Bank Of America Corporate Card As The Best For Travel

The Bank Of America Executive Explorer corporate card offers some eye-popping travel benefits. With statement credits for TSA PreCheck, airport lounge access, dining discounts, and global card access, the BoA Executive Explorer card is a great option if travel is an important aspect of your business.

Note that Bank of America's corporate card program is separate from its stable of business credit cards. Check out Bank of America's business credit card lineup if you have a small business and are looking for a business credit card.

Bank Of America Corporate Card Rewards & Features

The Executive Explorer card offers some hefty travel benefits:

  • Annual $600 Lounge Access statement credit, good at Admirals Club, Alaska Lounge, Delta Sky Club, United Club, and/or LoungeKey airport lounges
  • $100 Airport Fast Track statement credit every four years that can be used with TSA PreCheck, Global Entry, Nexus, and/or Registered Traveller
  • Complimentary access to Benefits on Us with 2x Dinova points

Here’s a quick glance at what else you can get from Bank of America on the corporate card side of things:

  • Mobile Wallet: Bank of America corporate cards can be added to mobile wallets and work with Apple Pay, Google Pay, and Samsung Pay.
  • Global Card Access: Accounts can be managed via mobile and desktop. Management features include activating a new card, checking a balance, and viewing a PIN.
  • Virtual Cards: Travel managers can spin up one-time virtual cards to efficiently manage travel bookings.
  • Contactless Payments: Employees can make payments more quickly and safely via their card’s contactless features.
  • Benefits: Cardholders will gain access to various features, including those offered by the corporate dining network Dinova, which operates at over 18,000 restaurants.

Bank Of America Corporate Card Fees

The BofA Executive Explorer corporate card sports an annual fee of $375.

Unfortunately, BofA doesn’t supply any other corporate card fee details.

When To Choose A Bank Of America Corporate Card

  • You want a corporate card with luxury travel perks and credits
  • You don’t mind contacting Bank of America directly for eligibility and fee information
  • You value an established company over an up-and-coming fintech company

Get Started With Bank Of America

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Capital One: Best Minimalist Corporate Card

Capital One


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Pros

  • Real-time expense management
  • Mastercard benefits
  • Virtual cards

Cons

  • Non-comprehensive rewards
  • Incomplete information offered online regarding fees, eligibility, and rewards

Why We Chose The Capital One Corporate Card As The Best Minimalist Corporate Card

Capital One's One card is a corporate card option with solid rewards and accounts payable features that cover the basics without adding complicated additional features or perks your business may not be ready for. If you're looking for a bare-bones, no-nonsense corporate card from a more established company than other fintechs on the list, Capital One's One card might be for you.

Capital One Corporate Card Rewards & Features

Capital One’s One Card program allows your company to manage expenses in real-time and set up automatic payments that trigger every evening.

  • Save 1% to 4% on more than 30,000 qualifying businesses
  • Redeem points for statement credit, gift cards, and travel bookings
  • Redeem on-demand or set up automatic redemption
  • Virtual Card Relay gives you a digital accounts payable solution and lets you simplify vendor payments via virtual cards

The accounts payable and expense management features also make it easy for small businesses to manage their spending.

Capital One Corporate Card Fees

Capital One doesn’t disclose whether the One Card carries an annual fee, nor does it disclose any other fee information relating to the card.

When To Choose A Capital One Corporate Card

  • You want a minimalist corporate card with a digital accounts payable solution
  • You want to maximize rewards with an impressive cash-back rate of up to 4%
  • You value an established company over an up-and-coming fintech company
  • You don’t mind contacting Capital One for eligibility and fee information

Get Started With Capital One

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Corporate Card Review Methodology

We spend hours researching and evaluating each corporate card that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

When rating corporate cards, we use a 15-point rubric that looks at rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. We weigh each section differently to calculate the total star rating.

  • Rewards & Perks: 40% of the total star rating
  • Rates & Fees: 25% of the total star rating
  • Features: 20% of the total star rating
  • Eligibility Requirements: 5% of the total star rating
  • Customer Support: 5% of the total star rating
  • User Reviews: 5% of the total star rating

Note: We use a different credit card rating methodology to evaluate traditional business credit cards, as they often differ from corporate cards in benefits, qualifications, and use cases.

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like cash back and spending rewards, reward redemption options, annual fees, employee card access, extra perks and features, credit score and revenue requirements, customer support options, and the overall reputation of the corporate card issuer.

Read more about our corporate card rating methodology.

What’s The Difference Between A Corporate Credit Card & A Regular Business Credit Card?

If you’re weighing corporate cards versus business credit cards, there are a few main differences. Corporate cards generally operate similarly to charge cards in that you can’t carry a monthly balance, whereas credit cards can have monthly balances and APR.

One thing corporate credit cards for businesses offer that typical business cards rarely do is the ability to customize your rewards and benefits to fit your corporate needs. Business credit cards typically provide a take-it-or-leave-it rewards program that won’t offer you the same degree of flexibility.

Another key difference is that corporate card programs often allow you to set spending rules and purchasing limits on employee cards. Business credit cards may offer some degree of employee spend management, but these tools won’t typically be as comprehensive as those provided by corporate card programs.

Does Your Business Qualify For Corporate Credit Cards?

Corporate credit cards sport varying eligibility requirements, although they are usually more difficult to qualify for than a business card because these cards are targeted toward larger companies with higher revenues. Because corporate cards don’t require personal liability to secure them (i.e. no credit checks), corporate card issuers need to be certain they’re making a good investment, hence the high revenue eligibility requirements.

In the past, corporate cards were also pretty limited to LLCs, C-corps, and S-corps. With the rise of fintech companies, it’s getting easier for small businesses to qualify for corporate cards.

What If You Don’t Qualify For A Corporate Credit Card?

If your business doesn’t qualify for a corporate credit card, you can still enjoy common business credit card benefits. Instead of a corporate credit card, consider one of the top business credit cards. And if your business is new, look into the best credit cards for startups.

You may also want to look at some of the top business travel cards if you and/or your employees have considerable travel needs.

If you don’t qualify for these types of credit cards, you have another option: using a personal credit card for business expenses. Just make sure you don’t mix your personal and business expenses on the same card — you’ll regret it come tax time!

Corporate credit cards are usually best suited for companies with many employees and large cash flows. A regular business credit card will probably serve you better if your company doesn’t fit this description.

How To Choose The Right Corporate Credit Card For Your Business

Choosing the right corporate card for your business depends on several factors including:

  • What type of rewards are most important for your business’s spending habits
  • How your business entity is registered
  • The level of employee spend controls you need

You’ll want to start by making sure you’re looking at corporate cards that your business structure is eligible for.

Then, carefully analyze your current spending habits and projected employee spending to find the card that best matches your business’s use case. If your company travels often, you may want a card like the Bank of America corporate card. Maybe you spend over $250K/month so you need a high earning rate with no cap like Expensify. Or maybe you want a flat cash-back rate like with Ramp. Whatever you choose, make sure your corporate card is helping your business maximize rewards earning.

Once you’ve found a card that looks promising, check out our post on how to get a corporate card to help walk you through the application process.

Check out our other great resources on how to write an effective corporate card policy and the best corporate card practices to learn how to manage your new corporate card well.

FAQs About Corporate Credit Cards

Should you get a corporate credit card?

You should consider getting a corporate card if your business would take advantage of the unique benefits offered by corporate cards, such as expense management, spending rewards, and fraud protection.

Does a corporate card affect your credit?

Because corporate credit cards often don’t require a personal guarantee, they usually will not negatively or positively affect your credit.

Who is responsible for corporate credit card debt?

Usually, the business entity is responsible for corporate credit card debt, not the business owner.

What credit card companies offer corporate credit cards?

Fintech neobanking outfits, such as Ramp and Brex, and traditional credit card issuers, such as American Express, Bank of America, and Capital One, offer corporate credit cards.

Can an LLC get a corporate credit card?

An LLC can get a corporate credit card account in almost all cases.

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Chelsea Krause

Chelsea Krause

Lead Staff Writer
Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been with Merchant Maverick helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well. She currently resides in Boise, Idaho.
Chelsea Krause
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