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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.

    Jason Vissers
  • Last updated onUpdated

  • Chelsea Krause
  • REVIEWED BY

    Chelsea Krause

    Lead 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, 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. Let’s explore your best corporate credit card options.

Learn More About Our Top Picks

CompanyKey TakeawayNext StepsKey Takeaway
Ramp

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  • 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

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BILL Spend & Expense

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  • 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

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Rho

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  • Up to 1.25% cash back depending on your repayment terms
  • Commercial banking suite, automated bill pay, and expense management
  • Must be a corporation or LLC
  • Up to 1.25% cash back depending on your repayment terms
  • Commercial banking suite, automated bill pay, and expense management
  • Must be a corporation or LLC

Visit Site

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Brex

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  • 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

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American Express

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  • 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

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Bank Of America

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  • 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

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Capital One

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  • 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

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J.P. Morgan

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  • 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

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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

Visit Site

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Read more below to learn why we chose these options.

Table of Contents

What Is A Corporate Credit Card?

Corporate credit cards are credit cards designed around the needs of corporations. Their main feature is that they usually don’t require a personal guarantee from the business owner. Instead, the business entity assumes liability for all charges.

Corporate credit cards typically offer rewards for your business purchases. These rewards are often customizable to fit your corporate spending profile. Travel perks, virtual cards, fraud protection, and online account management may also be included.

How Can I Get A Corporate Credit Card?

If you’re wondering how to get a corporate credit card, make sure you meet the requirements of the card in question first. Many corporate credit cards require that your business be incorporated as an S-corp, C-corp, or LLC. Other corporate cards accept some non-incorporated entities as well.

The process of applying for a corporate credit card is similar to the process of applying for a business credit card. Our expertise can help you through this process.

The 9 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. Read on for our top picks!

How The Best Corporate Credit Cards Compare

Monthly/Annual Fee Business Structures Accepted Rewards Rate
Ramp $0 to $15/user/month Corporations, LLCs, LLPs, and LPs 1.5% flat cash back
BILL Spend & Expense $0 All business structures Up to 7X points on restaurants
Rho $0 Corporations, LLCs, LLPs Up to 1.25% flat cash back
Brex $0 to $12/user/month Corporations, LLCs, LLPs Up to 8X points on rideshares
Amex Corporate Cards $75/year to $550/year Corporations, LLCs, LLPs Custom rewards rates
Bank Of America Executive Explorer Card $375/year Corporations, LLCs, LLPs Not disclosed
Capital One’s One Card Not disclosed Corporations, LLCs, LLPs Up to 4% on certain purchases
J.P. Morgan Corporate Cards Not disclosed Corporations, LLCs, LLPs Not disclosed
Expensify Card Starts at $0 All business structures Up to 2% flat cash back

Ramp: Best For Saving Money

Ramp


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Rewards Rate

Unlimited 1.5% cash back on all purchases

Annual Fee

$0 for the standard package, $15/user/month for Ramp Plus

Business Size

Corporations and LLCs with $75K+ in the bank

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

What Makes Ramp A Great Choice For Saving Money?

Ramp's corporate credit card offers a flat 1.5% cash back on all purchases. This, paired with Ramp's savings management features and accounting integrations, made Ramp a natural fit for this list.

Ramp's signature benefit is its savings insights algorithm, which delves into your company's spending history to find cost-cutting opportunities. For example, it 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 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 Fees & Rates

You can use Ramp without paying any fees whatsoever. Fees only come into play under two optional scenarios.

The Ramp card, like most corporate cards, is a charge card — normally, you can’t carry a balance month-to-month. However, you can now apply to take part in Ramp Flex, a program that lets you delay paying for a purchase for 30, 60, or 90 days. Percentage fees for financing are determined on a business-by-business basis, and finance charges are due in advance (when the purchase is made).

Additionally, while Ramp’s base plan is still free, Ramp now offers Ramp Plus, a premium subscription tier that includes more advanced features, more customization, more integrations, and international support. Ramp Plus costs $15/user/month and is billed annually.

For even more features, custom implementation, and premium support, there’s now Ramp Enterprise, pricing for which is quote-based.

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

What To Watch Out For

Ramp’s 1.5% universal flat cash back rate is quite solid for a corporate credit card. However, if your business spending is concentrated on categories such as rideshares or travel, you may be leaving money on the table by going with Ramp instead of a corporate card offering enhanced rewards-earning for spending on these categories.

When To Choose Ramp

  • You run a corporation or non-individual limited liability company and you want a corporate credit card that helps you cut costs and eliminate unnecessary spending
  • Your business spending cuts across categories and you want a solid universal cash back rate

Get Started With Ramp

Read our in-depth review

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BILL Spend & Expense (formerly Divvy): Best For Managing Budgets

BILL Spend & Expense


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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

What Makes BILL Spend & Expense A Great Choice 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.

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.

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.

BILL Spend & Expense 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 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

BILL Spend & Expense Fees & Rates

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

BILL Spend & Expense 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

What To Watch Out For

When you redeem your points for travel, they’re worth about 1 cent apiece, but the other redemption options earn you about a half-cent per point redeemed. Ideally, these non-travel redemption options would give you more value for your points.

We also wish BILL were more publicly forthcoming about its foreign transaction/late payment fees.

When To Choose BILL Spend & Expense

  • You're a sole proprietor and you want the features of a corporate credit card
  • You're willing to make weekly repayments to get elevated rewards on restaurant and hotel spending

Get Started With BILL Spend & Expense

Read our in-depth review

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Rho: Best For Flexible Credit Terms

Rho


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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
  • 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

What Makes Rho Great For Flexible Credit Terms?

We wanted to highlight Rho 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 reasonable cash back rates, Rho also offers unlimited physical and virtual employee cards, custom branding on cards, and card-level controls.

Unfortunately, Rho's revenue/equity investment requirements are rather stringent, but for qualifying businesses, this nearly fee-free corporate credit card has a lot to offer.

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 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

There are a few exceptions to Rho’s flat cash back earning. You won’t earn any cash back for the following purchases:

  • Walmart/Sam’s Club purchases
  • Non-US transactions
  • Transactions with merchants “in the utilities, money transfer, digital payments, and quasi-cash merchant categories” as per Mastercard

Rho Fees & Rates

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

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 have raised equity capital

  • What To Watch Out For

    Rho recently reduced its top cash back rate for new accounts from 1.75% to 1.25%, making it a less lucrative cash back option than before. It’s also not the corporate card for businesses without significant cash reserves or equity investment.

    When To Choose Rho

    • You run an incorporated business and you want a corporate credit card with flexible credit terms and straightforward cash back redeemable as statement credits
    • You want to take advantage of Rho's extensive partner rewards and discounts

    Get Started With Rho

    Read our in-depth review

    Jump back to comparison chart

    Brex: Best 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

    What Makes Brex Great For Large Businesses & Tech Startups?

    Brex's 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 Fees & Rates

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

    Like 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.

    Brex Eligibility Requirements

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

    • You’ve received an equity investment of any amount (accelerator, angel, or VC) or you plan to “in the near future”
    • You earn more than $1 million a year in revenue
    • You have more than 50 employees
    • Tech startups that are on a path to meeting the above criteria and are referred by an existing customer or partner may be considered

    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 ($4.8 million/year) to qualify for monthly repayments

    What To Watch Out For

    Brex offers some of the highest points-earning rates around, but you won’t earn rewards at these rates unless you’re prepared to make Brex your exclusive corporate card. You’ll also face serious headwinds in getting a Brex card if you don’t yet earn $1 million/year in revenue, have 50+ employees, or have received equity investment.

    When To Choose Brex

    • You meet Brex's steep eligibility requirements and you want to earn points for rideshare and travel spending at the highest rates possible
    • You don't mind making Brex your company's exclusive corporate card

    Get Started With Brex

    Read our in-depth review

    Jump back to comparison chart

    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

    What Makes Amex Corporate Cards Great 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.

    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, which we'll detail below.

    Amex Corporate Card Rewards

    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

    Remember, the spending rewards you’ll get with these cards are determined on a case-by-case basis.

    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.

    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 Fees & Rates

    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

    Amex’s corporate cards are charge cards — no interest is charged, as you can’t carry a monthly balance.

    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

    What To Watch Out For

    Unlike the corporate cards from newer fintech-oriented issuers, Amex’s corporate cards charge a monthly fee, which you’ll want to take into consideration when weighing the costs and benefits of Amex’s corporate card program.

    When To Choose An Amex Corporate Card

    • Your incorporated business earns more than $4 million/year and you want your employees to have access to corporate cards with features and benefits that vary to match their needs

    Get Started With American Express

    Jump back to comparison chart

    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

    What Makes The Bank Of America Executive Explorer Card Great 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 eye-popping travel benefits. If travel is an important aspect of your business, this corporate card option might be the best fit for your company. We just wish BofA was more open regarding further details of its corporate card(s).

    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

    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 & Rates

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

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

    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.

    What To Watch Out For

    With the lack of available fee and eligibility information, this isn’t the corporate card to go for if you just want to sign up for a card and be done. You’ll want to contact BofA get a fuller picture of its corporate card program before you apply.

    When To Choose The Bank Of America Executive Explorer Card

    • You want a corporate card with luxury travel perks and credits

    Get Started With Bank Of America

    Jump back to comparison chart

    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

    What Makes Capital One's One Card A Great 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 Corporate Card Fees & Rates

    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.

    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.

    What To Watch Out For

    This is another corporate card offering from a major credit card issuer that has not seen fit to disclose fee details or eligibility information about its corporate card program. If you’re interested in this corporate card, be prepared to contact Capital One to hash out the details.

    When To Choose The One Card From Capital One

    • You want a minimalist corporate card with a digital accounts payable solution

    Get Started With Capital One

    Jump back to comparison chart

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

    J.P. Morgan


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    Pros

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

    Cons

    • Minimal information available online

    What Makes J.P. Morgan Corporate Cards Great For Different Types Of Companies?

    J.P. Morgan 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.

    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 Fees & Rates

    J.P. Morgan doesn’t disclose fee information for any of its corporate cards.

    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.

    What To Watch Out For

    Once again, we’re discussing a corporate card program from one of the major card issuers in which few details are disclosed.

    Traditionally, the exclusive nature of the corporate credit card field meant that issuers felt no need to lay out extensive disclosures regarding their corporate card products. We can only hope that competition from the new breed of corporate cards exemplified by the likes of Ramp, BILL/Divvy, and Brex leads to change.

    When To Choose J.P. Morgan Corporate Cards

    • Your incorporated business has an existing relationship with J.P. Morgan/Chase and you want to choose between its different corporate card programs to find the one that meets your business needs
    • Your corporation needs single-use virtual cards for payment security

    Get Started With J.P. Morgan

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    Expensify: Best Cash Back Corporate Credit Card

    Expensify


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    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

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

    What Makes Expensify A Great Cash Back Corporate Credit Card?

    With the Expensify Visa Corporate Card, companies that spend over $250K/month will enjoy high cash back earnings along with the Expensify automated expense management platform. 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 Rewards

    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
    • Spend between $25,000/month and $250K/month and earn 1% cash back
    • Spend under $25K/month, and you won’t get any cash back

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

    Expensify Fees & Rates

    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. The company doesn’t specify what that monthly spend is, however.

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

    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.”

    What To Watch Out For

    Expensify is only free if your company spend meets a certain threshold each month. If your average monthly spend is close to the threshold, you may end up anxiously eyeing your total spend towards the end of your billing period.

    When To Choose Expensify

    • 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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    Our Methodology For Choosing The Best Corporate Credit Cards

    There are countless credit cards out there competing for your business. Corporate credit cards, on the other hand, are much less common, leaving us with far fewer choices for this list.

    We made sure that the corporate cards featured in this list have something to offer businesses of various types, sizes, and structures. Our choices also offer expense management features and other benefits typically found in credit cards of this type.

    However, we also had to account for the fact that the corporate credit card industry is much less transparent than the credit card industry as a whole, and that several popular corporate card options — from some of the biggest names in banking, no less — do not come with the kind of fee and eligibility disclosures we expect from “regular” business credit cards.

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

    If you’re weighing corporate cards versus business credit cards, know that 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 a good to excellent personal and/or 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: Corporate card programs often let 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 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 Amex’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 the BILL Divvy card, which even sole proprietors can be approved for.

    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.

    The Bottom Line On Choosing 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!

    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.

    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, 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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    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.

    Sources