Advertiser Disclosure

💳 Save money on credit card processing with one of our top 5 picks for 2022

The 9 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.

    Jason Vissers
  • UPDATED

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

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

The best corporate credit cards can help your company’s bottom line when your corporation’s purchases go unrewarded, your employees frequently travel for business, or when you’re tired of dealing with pesky expense reports. Keep reading for a summary of your best corporate credit card options. And if you’re wondering “What is a corporate credit card?“, we’ll touch on the primary differences between corporate cards and typical business credit cards.

Learn More About Our Top Picks

CompanyKey TakeawayNext StepsKey Takeaway
BILL Spend & Expense

Read More

  • Up to 7x rewards
  • Expense management, budgeting, and accounting integrations
  • All business types with good credit are eligible
  • Up to 7x rewards
  • Expense management, budgeting, and accounting integrations
  • All business types with good credit are eligible

Visit Site

Read More

Ramp

Read More

  • 1.5% cash back on all purchases
  • Algorithm-driven savings insights, bill pay, and automated accounting
  • Available for corporations or non-individual LLCs
  • 1.5% cash back on all purchases
  • Algorithm-driven savings insights, bill pay, and automated accounting
  • Available for corporations or non-individual LLCs

Apply Now

Read More

Rho

Read More

  • Up to 1.75% cash back depending on your repayment terms
  • Commercial banking suite, automated bill pay, and expense management
  • Must be a corporation or LLC
  • Up to 1.75% cash back depending on your repayment terms
  • Commercial banking suite, automated bill pay, and expense management
  • Must be a corporation or LLC

Visit Site

Read More

Brex

Read More

  • Up to 8x rewards for your business spending on certain purchase categories
  • Spend management, bill pay, financial modeling, and a mobile app
  • Must have $1 million+ in annual revenue, 50+ employees, or equity investment
  • Up to 8x rewards for your business spending on certain purchase categories
  • Spend management, bill pay, financial modeling, and a mobile app
  • Must have $1 million+ in annual revenue, 50+ employees, or equity investment

Apply Now

Read More

American Express

Read More

  • Three different Amex corporate card options
  • Travel rewards, airport lounge access, streamlined expense reports, and more
  • Must be a corporation/LLC/LLP and earn at least $4 million/year
  • Three different Amex corporate card options
  • Travel rewards, airport lounge access, streamlined expense reports, and more
  • Must be a corporation/LLC/LLP and earn at least $4 million/year

Visit Site

Read More

Show More Options
Bank Of America

Read More

  • Annual $600 Lounge Access statement credit
  • Mobile wallet and global card access
  • No eligibility information disclosed
  • Annual $600 Lounge Access statement credit
  • Mobile wallet and global card access
  • No eligibility information disclosed

Visit Site

Read More

Capital One

Read More

  • Save 1% to 4% on more than 30,000 qualifying businesses
  • Offers an accounts payable platform
  • No eligibility information disclosed
  • Save 1% to 4% on more than 30,000 qualifying businesses
  • Offers an accounts payable platform
  • No eligibility information disclosed

Visit Site

Read More

J.P. Morgan

Read More

  • Three different corporate card programs available
  • Spend management and reporting
  • No eligibility requirements disclosed
  • Three different corporate card programs available
  • Spend management and reporting
  • No eligibility requirements disclosed

Visit Site

Read More

Expensify

Read More

  • 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

Visit Site

Read More

Show Fewer Options

Read more below to learn why we chose these options.

Table of Contents

How To Choose The Best Corporate Credit Card For Your Business

When examining your various options, you’ll need to decide which aspects to prioritize in a corporate card program. Are rewards paramount? Or do you need flexible credit terms? Or maybe a robust infrastructure for monitoring, controlling, and issuing cards to employees? You’ll also need to consider how your company’s needs will evolve as it grows and adapts to new economic conditions.

Before you decide on a corporate card program, shop around and research each program’s various ins and outs. You’ll then be prepared to make the right decision for your company. The providers we’ve summarized here all offer professional-level service and competitive products — hopefully, one will work for your company!

If you’re not sure how to get a corporate credit card, our explainer piece gets into the nitty gritty.

The 9 Best Corporate Cards For Businesses

The best corporate credit cards allow your business to earn rewards, manage expenses, and automate your reporting. Our full list of the nine best corporate credit cards includes Divvy, Ramp, Rho, Brex, and a few options from some established credit card issuers. Read on to learn more!

1. Divvy: Best Corporate Credit Card For Managing Budgets

BILL Spend & Expense


Visit Site

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

  • A flexible rewards scheme that matches bill payoff frequency
  • A robust feature set built around managing budgets
  • No annual or employee card fees

Cons

  • Some lackluster rewards redemption options
  • Divvy still has fees for foreign transactions and late payments

Why We Chose Divvy As The Best Corporate Credit Card For Managing Budgets

Divvy doesn’t just offer a corporate credit card with spending rewards. The company offers a full-on expense management suite that automates a company’s expense reporting while also providing team-by-team budgeting services. What’s more, your business doesn’t even have to be incorporated to qualify — Divvy let us know that it accepts sole proprietors in addition to corporations and LLCs.

The Divvy corporate credit card features a flexible rewards program that adjusts based on how frequently you pay off your balance. Besides rewards, the card has several other benefits, such as virtual cards, a flexible credit line of up to $15 million, and standard security features.

Divvy Rewards

To keep your earned rewards in any month, you must spend at least 30% of your credit line for that month. Now, here’s what you’ll earn for your spending with Divvy:

  • 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

Divvy Eligibility Requirements

  • No business type restrictions (sole proprietors and other non-corporations are accepted)
  • Must typically have $20,000+ in the bank
  • Must have good to very good business and personal credit (no personal guarantee required, though)
  • Must be US-based
  • Revenue and business history requirements vary based on various factors

Get Started With BILL Spend & Expense

Read our in-depth review

Jump back to comparison chart

2. Ramp: Best Corporate Credit Card For Saving Money

Ramp


Apply Now


Pros

  • A simple and minimalist rewards scheme
  • A unique platform built to help companies cut costs
  • No fees of any kind

Cons

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

Why We Chose Ramp As The Best Corporate Credit Card For Saving Money

Ramp offers an excellent corporate credit card with a flat 1.5% cash back rate on all purchases. The ability to earn on every purchase paired with Ramp’s savings management features and accounting integrations makes Ramp a great choice for many small businesses.

Ramp’s most unique benefit is its algorithm-driven savings insights. These insights delve into your company’s spending history and determine areas where you can cut costs and save money. For example, an insight might suggest consolidating duplicate Dropbox subscriptions purchased by different departments within your company. This feature earned Ramp our recommendation as the best corporate card for saving money. It’s a great option for managing and growing small business finances.

Ramp Rewards

Your company will collect 1.5% cash back on all Ramp purchases — a very solid flat cash back rate for a corporate card. While you won’t receive better rewards for select purchase categories, companies with wide-ranging purchase habits benefit from the Ramp corporate card — all for no fees whatsoever. 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 up to $100,000 in AWS credits and $50,000 in Segment Credits
  • Automated accounting that integrates with QuickBooks, Xero, and NetSuite
  • Specialized algorithm-driven precision spend controls

Ramp Eligibility Requirements

  • Must be a corporation or a non-individual limited liability company (including nonprofits)
  • Must have $75,000+ in the bank
  • Must be US-registered and have most of your operations and corporate spending within the US

Get Started With Ramp

Read our in-depth review

Jump back to comparison chart

3. Rho: Best Corporate Credit Card For Flexible Credit Terms

Rho


Visit Site

Rewards Rate

Up to 1.75% cash back

Annual Fee

$0

Business Size

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

Pros

  • Flexible corporate card repayment terms
  • Competitive cash back rates of up to 1.75%
  • 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 Credit Card For Flexible Credit Terms

Rho is known for its flexible repayment options and cash-back rewards. If your company needs more than just a corporate card program, Rho offers a full-on commercial banking suite and accounts payable solution. Beyond flexible repayments and competitive cash back rates, Rho also includes unlimited physical and virtual employee cards, custom logos on cards, and card-level controls.

Unfortunately, Rho’s revenue/equity investment requirements are rather stringent, but for qualifying businesses, this corporate credit card has a lot to offer. Plus, all of this comes with virtually no fees!

Rho Rewards

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, 45, or 60 days. The repayment length you select will determine your flat cash back rate.

  • Earn 1.75% cash back on all purchases when you make daily repayments
  • Earn 1.5% cash back with a 30-day repayment term
  • Earn 1% cash back with a 45-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

Rho Eligibility Requirements

  • Your company must be US-based
  • Must be a corporation/LLC — no sole proprietors or unincorporated businesses
  • Must have more than $1 million in revenue or $1 million in equity capital raised

Get Started With Rho

Read our in-depth review

Jump back to comparison chart

4. Brex: Best Corporate Card For Large Businesses & Tech Startups

Brex


Apply Now


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 Credit Card For Large Businesses & Tech Startups

Brex’s pioneering corporate card program offers astounding rewards rates for your business spending. When you pair those great rewards rates with well-developed expense management features, Brex makes a great choice for larger businesses or businesses that are growing quickly and meet Brex’s steep eligibility requirements.

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.

Brex Rewards

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

Brex Eligibility Requirements

Brex cards with daily repayments require you to meet at least one of the following criteria:

  • Received an equity investment of any amount (accelerator, angel, or VC) or plan to in the near future
  • More than $1 million a year in revenue
  • More than 50 employees
  • Tech startups that are on a path to meeting the criteria above, and are referred by an existing customer or partner

To qualify for monthly repayments, the requirements are even tougher.

  • Startups that are part of an accelerator program and which qualify for daily repayments also qualify for monthly repayments
  • Startups that have received venture funding qualify for both daily and monthly repayments
  • Startups that have received $100,000+ in angel funding and plan to raise capital from an accelerator or VC in the future qualify for both daily and monthly repayments
  • Startups need at least $50,000 in the bank to qualify for monthly repayments, or “potentially even lower if you’re referred by certain partners”
  • Mid-market and enterprise businesses will need $400K+ in monthly revenue to qualify for monthly repayments

Get Started With Brex

Read our in-depth review

Jump back to comparison chart

5. American Express: Best Corporate Cards For Different Levels Of Employees

American Express


Visit Site


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 Amex Corporate Cards As The Best Options For Different Levels Of Employees

Amex currently issues three corporate credit cards as part of its corporate card program, which also features expense management tools and employee spending limits.

While Amex’s eligibility requirements are a bit more stringent than others on this list, we like that Amex offers a corporate program for startups. This program 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 Rewards

Here’s a quick overview of Amex’s corporate cards, along with each card’s annual fees and some featured benefits.

  • Corporate Platinum Card: $550 annual fee, trip delay insurance, Hilton Honors Gold Status, and $200 airline fee credit
  • Corporate Gold Card: $250 annual fee, Hilton Honors Silver Status, and $100 airline fee credit
  • Corporate Green Card: $75 annual fee and Hilton Honors Silver Status

You can mix and match these cards to fit your employees’ travel and spending habits. These cards also come with rewards programs, with both points and cash back options available. The exact rewards scheme you get will be tailored to fit your company’s unique needs.

Please note that while Amex’s corporate cards have similar names to the company’s small business credit cards, they are not the same thing.

Amex Corporate Card Eligibility Requirements

  • Must be a corporation/LLC/LLP
  • Must earn at least $4 million/year in revenue
  • Your annual corporate card spending must be less than or equal to 10% of your annual revenue

Get Started With American Express

Jump back to comparison chart

6. Bank Of America: Best Corporate Credit Card 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 Executive Explorer Card As The Best Corporate Credit Card For Travel

While we have a full review of Bank of America’s business banking options, its corporate card program is slightly different. Bank of America has multiple corporate and commercial card programs on its website, but the only card it mentions by name is the Bank of America Executive Explorer card.

The Executive Explorer card offers some very generous travel benefits. If travel is an important aspect of your business, this corporate card option might be a great choice for your business. We just wish the company was more open regarding further details of its corporate card (or cards). If you’re curious about Bank of America’s corporate card options, we recommend contacting the company directly.

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

For an annual fee of $375, 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 Eligibility Requirements

Sadly, BofA hasn’t published any eligibility information regarding its corporate card programs, so you’ll have to contact BofA for more details.

Get Started With Bank Of America

Jump back to comparison chart

7. Capital One: Best Minimalist Corporate Card

Capital One


Visit Site


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 Capital One's One Card As The Best Minimalist Corporate Card

Capital One’s One card is a corporate card option with solid rewards and accounts payable features. Unfortunately, Capital One isn’t very forthcoming about eligibility requirements for this card.

The One card offers some nice corporate-level rewards and benefits. The accounts payable and expense management features also make it easy for small businesses to manage their spending.

If you’re more in the market for a small business banking solution, read our Capital One Spark review.

Capital One Corporate Card Rewards

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

Capital One doesn’t disclose whether the One Card carries an annual fee.

Capital One Eligibility Requirements

Capital One doesn’t disclose eligibility requirements for the One Card, so you’ll have to ask the company for more information.

Get Started With Capital One

Jump back to comparison chart

8. J.P. Morgan: Best For Different Types Of Companies

J.P. Morgan


Visit Site


Pros

  • Several program options for different types of organizations
  • Travel perks
  • Single-use virtual cards

Cons

  • Minimal information available online

Why We Chose J.P. Morgan Corporate Cards As Best For Different Types Of Companies

While we wish J.P. Morgan was more transparent about its corporate card offerings, the company boasts a good amount of variety in its corporate card programs while also offering single-use virtual card accounts for those needing unique parameters for every purchase.

J.P. Morgan doesn’t have a single program for corporate cards. Instead, the company provides several corporate card programs for different types of organizations and purposes:

  • J.P. Morgan Corporate Card: Targeted toward business travelers, this card program aims to help “simplify business travel and entertainment spending” for companies using it for purchases. Its highlights include “user-friendly” tracking and reporting software for your company’s transaction data.
  • J.P. Morgan Purchasing Card: Tooled for managing business-to-business purchases, this card program allows your company to monitor spending before and after the fact. You’ll also be able to receive data analysis to aid your payment strategy.
  • J.P. Morgan One Card: Intended to aid businesses that want a single card program for every expense, this card is best used for an array of purchases, including business-to-business, travel, and entertainment. It also promises to make management and reporting easier and offers purchase rewards.

Note that those interested in the company’s Chase Ink Business Credit Card lineup will need to forgo getting a corporate card — Chase Ink only offers regular business credit cards.

J.P. Morgan Corporate Card Rewards

Rewards rates for J.P. Morgan corporate cards depend on which of the three cards you choose. Unfortunately, the company doesn’t disclose exact reward rates.

J.P. Morgan Corporate Card Eligibility Requirements

J.P. Morgan doesn’t publish eligibility requirements for its corporate cards, so you’ll have to contact the company to ask about them if you’re interested.

Get Started With J.P. Morgan

Jump back to comparison chart

9. Expensify: Best Cash Back Corporate Credit Card

Expensify


Visit Site

APY

0%

Monthly Fee

Starts at $5/month/user

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

  • Complex pricing
  • Lots of spending required to activate the highest cash back level

Why We Chose Expensify As The Best Cash Back Corporate Credit Card

Expensify’s corporate card works with its automated expense management platform and offers a very high cash back rate to businesses with high spending needs.

With Expensify, companies that spend over $250K/month will enjoy some of the highest cash back earnings available anywhere, along with a robust spend management platform. Expensify’s benefits get less compelling the less you spend, however.

While rewards rates may be lower than other corporate credit card options for companies that spend less than $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 Rewards

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

  • Spend $250,000+/month across all Expensify Cards companywide in your first three months and earn 4% cash back on all purchases for those three months and 2% cash back thereafter
  • Spend between $25,000/month and $250K/month in your first three months and earn 2% cash back for those three months and 1% cash back thereafter
  • Spend under $25K/month for three months, and you won’t get any cash back

The Expensify platform offers a wide range of expense management, invoicing, bill payment, and travel features. Pricing ranges from free to $9/user/month, with more features offered with the pricier plans. Discounts are available, but you’ll be paying even more if your company’s spending on the Expensify Card doesn’t total at least 50% of your company’s total spending.

Expensify Eligibility Requirements

Regarding eligibility for its corporate card program, all Expensify discloses is that you need to “have a US business bank account added to your Expensify account to reimburse employees.”

Get Started With Expensify

Read our in-depth review

Jump back to comparison chart

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

Corporate credit cards are more difficult to get than regular business credit cards. We’ll detail some common corporate card eligibility requirements in the next section. As for business credit cards, they typically just require you to have good to excellent personal and/or business credit. Read the following article for details on improving your business credit score.

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 ability to manage employee spending, but these tools won’t typically be as comprehensive as those provided by corporate card programs.

For more information on the differences between the two, check out our article on corporate cards versus business credit cards.

Does Your Business Qualify For Corporate Credit Cards?

Corporate credit cards sport varying eligibility requirements, although they will almost always be more difficult to qualify for than a business card. That’s because these cards are targeted toward larger companies with higher revenues.

Can a small business get a corporate credit card? That often depends on just how “small” your small business is. Some corporate cards look for set revenue per year (such as American Express’s corporate cards), while others require a set amount in the bank (such as some startup-focused cards).

Often, you’ll need your company to be a C-corp, an S-corp, or an LLC to apply. As such, you may not be able to apply for a corporate card if you operate your business as a sole proprietorship or as some other unregistered business. One exception to this general rule is Divvy — even sole proprietors can be approved for the Divvy card.

Otherwise, non-incorporated businesses should consider applying for a regular business card instead. Another option: using a personal credit card on business expenses.

Bear in mind that your company may need to be able to afford a corporate card’s annual fee. However, this will depend on the program and card you choose — some of the best company credit cards lack annual fees, and a few are almost entirely fee-free.

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, check out some of the best cards for startups. You may also want to look at some of our favorite travel cards if your business employs a lot of frequent flyers.

All told, corporate credit cards are 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.

Best Corporate Credit Card FAQs

What is a corporate credit card?

Corporate credit cards are simply credit cards designed for larger businesses to use. There’s nothing fancy about them — at their core, they aren’t much different from regular business credit cards. Corporate cards often have rewards schemes targeted toward business purchases, travel perks, and other benefits, such as fraud protection or online account management. They also usually offer virtual cards and don’t require personal guarantees.

What is the difference between a corporate card and a credit card?

Corporate credit cards are designed for large businesses with a lot of employees, so they generally come with more robust expense reporting tools. Additionally, most corporate cards are charge cards instead of true credit cards. Some require you to make frequent (even daily) automatic payments to pay off your balance.

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. Note that most corporate cards are only available to businesses structured as a corporation or as an LLC and meet certain revenue requirements.

Does a corporate card affect your credit?

Because corporate credit cards often don’t require a personal guarantee, they 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.

Can you get denied for a corporate credit card?

Yes, you can get denied a corporate card if you don’t meet the creditor’s requirements. If you don’t qualify for a corporate card, you might consider applying for a more traditional business credit card. Check out our article on our top picks for business credit cards to weigh your options.

What credit card companies offer corporate credit cards?

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

Can a corporation get a credit card?

Yes. Corporate credit cards are naturally tailored to the needs of corporations, and most (though not all) corporate credit card issuers require that your business be a corporation or LLC.

Can an LLC get a corporate credit card?

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

In Summary: The 9 Best Corporate Cards For Businesses

  1. BILL Spend & Expense:
    • Up to 7x rewards
    • Expense management, budgeting, and accounting integrations
    • All business types with good credit are eligible
  2. Ramp:
    • 1.5% cash back on all purchases
    • Algorithm-driven savings insights, bill pay, and automated accounting
    • Available for corporations or non-individual LLCs
  3. Rho:
    • Up to 1.75% cash back depending on your repayment terms
    • Commercial banking suite, automated bill pay, and expense management
    • Must be a corporation or LLC
  4. Brex :
    • Up to 8x rewards for your business spending on certain purchase categories
    • Spend management, bill pay, financial modeling, and a mobile app
    • Must have $1 million+ in annual revenue, 50+ employees, or equity investment
  5. American Express:
    • Three different Amex corporate card options
    • Travel rewards, airport lounge access, streamlined expense reports, and more
    • Must be a corporation/LLC/LLP and earn at least $4 million/year
  6. Bank Of America:
    • Annual $600 Lounge Access statement credit
    • Mobile wallet and global card access
    • No eligibility information disclosed
  7. Capital One:
    • Save 1% to 4% on more than 30,000 qualifying businesses
    • Offers an accounts payable platform
    • No eligibility information disclosed
  8. J.P. Morgan:
    • Three different corporate card programs available
    • Spend management and reporting
    • No eligibility requirements disclosed
  9. Expensify:
    • High cash back rate for companies spending over $250,000/month
    • Strong spend management platform
    • Limited eligibility information available
Jason Vissers

Jason Vissers

Senior Staff Writer at Merchant Maverick
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University and currently lives in Philadelphia, Pennsylvania.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.