Best Corporate Credit Cards of July 2025
Corporate cards help businesses control and benefit from their spending. The best options pair expense management features — like card-level controls and receipt matching — with easy to earn rewards.
Apply nowBest Corporate Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ramp Card on Ramp's website | Cash back | $0 | 1%-1.5% Cashback | $250 | on Ramp's website | |
| Pros
Cons
| ||||||
 Rho Corporate Card on Rho's website | Flexible qualification requirements | $0 | 1%-2% Cashback | $500 | on Rho's website | |
| Pros
| ||||||
 BILL Divvy Corporate Card on BILL Spend & Expense's website | Businesses with smaller bank balances | $0 | 1x-7x Points | N/A | on BILL Spend & Expense's website | |
| Pros
Cons
| ||||||
 Brex Card on Brex's website | Venture-funded startups with travel expenses | $0 | 1x-7x Points | 10,000 Points | on Brex's website | |
| Pros
Cons
| ||||||
 Rippling Corporate Card on Rippling's website | Companies operating internationally | Companies with more than 25 employees may have to pay up to $11 per month for a subscription to Rippling Spend. | 1.75% Cashback | $500 | on Rippling's website | |
| Pros
Cons
| ||||||
Here are the best corporate credit cards
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
Best for Cash back
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
New bonus offer
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Rho Corporate Card
Best for Flexible qualification requirements
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$500
on Rho's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
BILL Divvy Corporate Card
Best for Businesses with smaller bank balances
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex Card
Best for Venture-funded startups with travel expenses
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Annual fee
Companies with more than 25 employees may have to pay up to $11 per month for a subscription to Rippling Spend.
Rewards rate
1.75%
Cashback
Intro offer
$500
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
Rippling Corporate Card
Best for Companies operating internationally
Annual fee
Companies with more than 25 employees may have to pay up to $11 per month for a subscription to Rippling Spend.
Rewards rate
1.75%
Cashback
Intro offer
$500
on Rippling's website
Pros
- High rewards rate
- Card-level spending controls
- Supports employee reimbursements in more than 100 countries and receipt collection in multiple languages
- Rippling’s software suite includes HR, payroll and digital security tools
Cons
- Subscription may be required for businesses with more than 25 employees.
- Multiple recent changes to pricing, rewards offerings.
Other picks: Best corporate credit cards
Before applying, confirm details on the issuer’s website.
IO Card
Best for: Venture-funded startups who want flat-rate cash back
This card has not been rated by NerdWallet.
The IO Card is offered by the financial technology company Mercury, which specializes in software, e-commerce and biotech startups (though other businesses can qualify). This card includes 1.5% cash back across the board, and cash back is automatically deposited into your account; you don’t have to redeem points. You’ll need a Mercury business bank account
Mercury
Mercury Business Bank Account
NerdWallet Rating
Annual Fee
$0
» MORE: Best banks for startups
What is a corporate card?
Corporate cards are credit cards issued to a company rather than a business owner. Because of this, corporate cards don’t require a personal guarantee. Instead, the corporation often assumes all financial liability for purchases made on the card by its employees.
Corporate cards from issuers like American Express, JP Morgan Chase and U.S. Bank are generally geared toward large corporations with millions in annual revenue. Smaller businesses and startups may be better suited for cards from financial technology companies, like Brex or Ramp.
How do you qualify for a corporate card?
To qualify for a corporate credit card, your company typically needs annual revenue in the millions and a dozen or more employees authorized to make spending decisions. Your business also needs to be incorporated as an S-corporation or a C-corporation, or structured as a limited liability company (LLC).
Specific requirements can vary from one card issuer to another. Historically, corporate card programs from major card issuers have required millions of dollars in annual revenue and at least six figures in annual credit card spend.
Corporate credit cards from fintech companies may have more attainable requirements. The Ramp Card, for example, is available to incorporated businesses with at least $25,000 in a business bank account
Corporate card applications may also consider your business history, revenue and how much capital you’ve raised during the underwriting process.
What if you can't get a corporate card?
You may not qualify for a corporate card if you're a sole proprietor or single-member LLC, or if your business has uneven cash flow. A traditional business credit card
Here’s how these options stack up:
| Corporate credit cards | Business credit cards | |
|---|---|---|
| Who they're for | Incorporated or registered businesses, such as corporations and LLCs. | All business owners, including freelancers and sole proprietors. |
| How repayment works | Typically must be paid in full every month; users can’t carry a balance over time. | You can carry a balance, allowing you to pay off purchases over time with interest. |
| Qualification requirements | Strong revenue history and bank balance, but no personal guarantee. | Good or excellent personal credit; personal guarantee required. |
| Primary benefits | Employee cards with spend controls and simplified expense reporting. | Rewards, including cash back, points and sign-up bonuses. |
Benefits of corporate credit cards
There are several advantages to choosing a corporate card program:
- Better expense reporting. Corporate credit card programs offer businesses robust ways to track expenses. Your cardholding employees typically will be able to file their expenses electronically, saving you time dealing with expense reports. Also, it will be easier for you to see where and how your employees are spending your company's money.
- Ability to set spending limits. Setting rules for spending is crucial for business success. Corporate card programs offer
employee credit cards - Personal credit is protected. Corporate cards do not
affect your personal credit business credit report - Reduced personal risk. Unlike business credit cards, corporate cards do not require business owners to sign a
personal guarantee
Drawbacks of corporate credit cards
Corporate credit cards also have disadvantages, including:
- In-depth application process. Setting up a corporate line of credit will likely be a more involved process than
applying for a business credit card - Can’t carry a balance. Corporate cards generally require full payment at the end of each billing cycle, and those cycles can be as short as a day, so won’t be able to put a big purchase on your corporate card and then pay it off over several months. If that's a need, consider a
business card with a 0% APR intro period - May require a minimum number of cardholders. Some corporate card issuers require that eligible corporations sign up for a minimum number of employee cards. If your business doesn’t need that many authorized cardholders yet, you may want to research cards that do not have that requirement — or hold off on getting a corporate card until then.
Who is liable for purchases on a corporate card?
Corporate credit cards allow multiple employees to use cards to make purchases on the employer's behalf. Who is legally responsible for those charges depends on the card; some default to corporate liability, while others give you the option to choose between corporate, individual or joint liability.
Corporate liability
The company is responsible for paying the bill. The issuer doesn't check employees' credit. Employees file expense reports so the company can reconcile charges with the card statement each month, but the employee doesn’t have to pay the bill upfront. This is the standard with most corporate card programs.
Individual liability
Employees must pay all charges on the card, and they get reimbursed when they file an expense report. The issuer will check employees' credit before giving them a card, but this check is a “soft pull,” meaning it doesn’t affect employees' credit scores.
Joint liability
The company and the employee are responsible for debt on the card. Employees are responsible for repaying personal or unauthorized spending on the corporate card but are not personally held liable for any expenses charged in compliance with company policies. However, if a long overdue balance gets reported to credit reporting bureaus, it may affect the employee’s credit.
Methodology
NerdWallet's business credit card team selects the best small-business credit cards
In 2025, we began evaluating corporate cards according to their own set of factors. These ratings place a greater emphasis on features more common among such cards, including spend and expense management software capabilities and card-level spending controls. We also examine fees, rewards rates and the simplicity of earning and using those rewards, along with customer service ratings for card providers. Learn how NerdWallet rates small-business credit cards.