The 9 Best Corporate Credit Cards For Businesses

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

• 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

• 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

Beyond the corporate credit card, Divvy offers a full-on expense management suite that automates a company’s expense reporting while also providing team-by-team budgeting services. Moreover, some businesses that don’t qualify for an unsecured credit line will be eligible for a secured credit line through Divvy’s Credit Builder program.

For rewards via Ramp, your company will collect 1.5% cash back on all 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.

• 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

• 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

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 paired with 1.5% cash-back on every purchase makes Ramp a great option for managing and growing small business savings.

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 0.75% cash back with a 45-day repayment term
• Earn no cash back with a 60-day repayment term
• Access up to $230,000+ in partner perks and discounts
• Automated bill pay that auto-syncs with your accounting software

• 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

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. All of this comes without any fees making Rho a great choice for qualified small businesses.

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 $150,00 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 states that businesses must meet at least one of the following eligibility criteria:

• Received an equity investment of any amount (accelerator, angel, VC, or web3 token)
• More than $1 million a year in revenue
• More than 50 employees
• More than $500K in cash

Furthermore, Brex states that “Tech startups who are on a path to meeting the criteria above and are referred by an existing customer or partner” may qualify for an account.

Brex’s pioneering corporate card program offers some 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 eligibility requirements.

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.

• 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

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.

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.

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

Bank of America’s 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 benefit 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 card lineup if you have a small business and are looking for a business credit card.

For corporate cards, Capital One offers its One Card program. This program will allow 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 a statement credit, gift cards, 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 or not the One Card carries an annual fee.

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

Capital One’s 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 full review of Capital One Spark.

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

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.

While we wish J.P. Morgan were more transparent about its corporate card offerings, the company offers 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.

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.

Expensify’s rewards are especially worthwhile for businesses with hig volume spending.

• 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.

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.”

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 mange their corporate card alongside their expenses and invoicing.