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.

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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Here are the best corporate credit cards

Ramp Card

Best for Cash back

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Best for Cash back

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Corpay World Elite Mastercard®

Best for Airport lounge access

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
N/A

on Corpay's website

Corpay World Elite Mastercard®

Best for Airport lounge access

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
N/A

on Corpay's website

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

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

Rho Corporate Card

Best for Flexible qualification requirements

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$500

on Rho's website

Rho Corporate Card

Best for Flexible qualification requirements

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$500

on Rho's website

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

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

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

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

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 to be eligible, but you can qualify with a balance as low as $25,000. Your credit limit will be determined by your account balance.
Mercury Business Bank Account
Mercury

Mercury Business Bank Account

NerdWallet Rating  
4.4
Annual Fee  

$0

Read Review
Learn more

at Mercury, Deposits are FDIC Insured

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, and the Rho Card doesn’t have a specific bank balance or revenue requirement (though both are underwriting criteria). Neither have spend requirements, though Ramp asks you to estimate your card spend on your application.
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 is probably a better fit than a corporate card in those instances.
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 and let managers set limits on the amount of spending and the categories in which employees can spend. Many companies forbid the personal use of a corporate credit card.
  • Personal credit is protected. Corporate cards do not affect your personal credit. Approval is based on your company’s revenue and business credit score (among other factors), and payments on the card — as well as any missed payments — are recorded on the company’s business credit report.
  • Reduced personal risk. Unlike business credit cards, corporate cards do not require business owners to sign a personal guarantee. That means your personal assets are not on the line if an employee misuses a card or your company folds and can’t pay the outstanding balance.

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 online. Card issuers will evaluate your business stability to establish creditworthiness, so be prepared to share your legal and financial information for corporate card approval.
  • 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 instead.
  • 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.
Last updated on July 11, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
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.