Editor’s note: This is a recurring post with regularly updated card details.
Corporate cards are either charge or prepaid cards with functionalities designed for medium or large companies with high revenues and hundreds of employees—though some cards on this list may also be good for small businesses. Since most corporations have different financial needs than smaller operations, the best corporate cards offer features and perks like high credit limits, robust spending controls, streamlined reporting tools, unique billing structures, and lucrative rewards.
Here are the seven best corporate credit cards for 2024:
- Ramp: Overall best corporate credit card with straightforward rewards program
- Emburse Spend Card: Best prepaid card with unlimited cash back
- Brex Card: Best for paid daily or paid monthly options
- Coast Fuel Card: Best for frequent fuel expenses
- U.S. Bank Commercial Rewards Card: Best for cost-savings and earning rebates
- BILL Divvy Card: Best for high rewards rate and three payment frequencies
- American Express® Corporate Gold Card: Best for frequent travel expenses
Streamline Your Business Expenses with Rippling Spend |
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Overview of the Best Corporate Credit Cards
Best For | Annual Fee | Key Features | ||
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 Ramp | Overall best corporate credit card with straightforward rewards program | $0 |
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 Emburse Spend Card | Prepaid card with unlimited cash back | $0 |
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 Brex Card | Paid daily or paid monthly options | $0 |
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 Coast Fuel Card | Frequent fuel expenses | $0; only $4 per active card, per month |
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 U.S. Bank Commercial Rewards Card | Cost-savings and earning rebates | $0 |
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 BILL Divvy Card | High rewards rate and three payment frequencies | $0 |
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 American Express® Corporate Gold Card | Frequent travel expenses | $250 |
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Ramp: Overall Best Corporate Card With Straightforward Rewards Program
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
It is our best overall corporate credit card because it lets you save money on your business expenses. It is ideal for those who use Ramp as their primary financial management tool. You can earn up to 1.5% cash back on purchases, and it charges $0 annual, setup, and replacement fees. What’s more, it offers advanced financial management tools with its seamless platform that integrates directly with a variety of accounting systems, including QuickBooks, NetSuite, Xero, and Sage Intacct.
- Unlimitedvirtual and physical cards at no additional costs
- Ramp’s seamless platform lets you set spending controls on every card, block certain merchants, and monitor expenses in real time
- Higher credit limits—you could get up to 10 to 20 times higher credit limits compared with most other corporate or business credit cards
Emburse Spend Card: Best Prepaid Card With Unlimited Cash Back
Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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Spending Limit | Load Limit |
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Why We Like It
Companies that have sufficient cash on hand and don’t want to incur debt may consider this card. It is a business prepaid card that offers unlimited 1% cash back on all business-related purchases, regardless of expense categories. On top of that, you get to use its streamlined expense management system, which lets you approve or reject transactions, set spending controls, and monitor expenses.
- $0 annual, monthly, and per-transaction fees
- Up to $100,000 load limit—if you need an increase in load limit, then you may request approval
- Emburse card management platform lets you automate your expense policy, issue one-time use cards or cards with recurring monthly limits, and set spending limits and expense category restrictions
Brex Card: Best for Paid Daily or Paid Monthly Options
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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Spending Limit | Load Limit |
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Costs | |
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Why We Like It
The card comes with a $0 annual fee. It’s ideal for small to large businesses, making it a good option if you’re a startup or new company looking for a card that scales with your growth. It can be used as either a prepaid card or a charge card because you can choose to pay your bills daily or monthly.
- If you choose to pay monthly, your transactions will be deducted directly from your Brex Business Account balance, and you will have access to 100% of your balance.
- If you choose to pay monthly, your credit limit is equal to 30% of your Brex Business Account balance or up to 20% of your other bank’s cash balance.
- Lucrative rewardpoints on your purchases, as follows:
Paid Daily | Paid Monthly |
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- Built-in expense management system allows you to embed company policies, access automated expense reports and AI-driven insights, and manage global spending in real time
- Automated compliance with IRS or local tax laws through the Brex system
Coast Fuel Card: Best for Frequent Fuel Expenses
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why We Like It
Companies with small to large fleets that fuel up at any gas station can take advantage of up to 10 cents off per gallon anywhere you purchase gas with this card. On top of that, it offers 1% cash back on all other purchases at merchants other than gas stations. It comes with an easy-to-use and seamless platform that allows you to onboard new users and vehicles, order new cards, and set spending controls and restrictions. Note that while it has a $0 annual fee, you need to pay $4 per active card, per month.
- No personal guarantee required—you won’t be held personally liable for your company’s debts
- No extra fees—aside from the $4 monthly fee per active user, Coast does not charge other fees, such as:
- Per-gallon administration fee
- Electronic payments fee
- Reporting fee
- Portal access fee
- Inactive card fee
- Phone payment fee
- Per-transaction fees in the United States
- Up to $25,000 annual coverage against fuel card fraud
- Intuitive reports and charts: Track expense transactions easily with its expense reports and comparative charts
U.S. Bank Commercial Rewards Card: Best for Cost-savings & Earning Rebates
U.S. Bank Commercial Rewards Card | |
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Qualifications | Terms |
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Why We Like It
This is ideal for companies with $10 to $150 million in annual revenue looking for an all-in-one commercial card solution that provides cost savings. It charges $0 annual and platform fees, so it’s essentially free to use. Plus, you can save money on your expenses through rebates that require lower spend thresholds than most other traditional commercial cards.
- Scales with your business—designed specifically for middle-market businesses with $10 to $150 million in annual revenue and is built to scale with your company’s changing needs as it grows
- Single, intuitive platform powered by TravelBank allows your company to better manage cash flow and streamline your business’s expense procedures
- Seamless accounting integration provides built-in policies and card controls that can be customized to fit your business’s unique needs
- Integrated policies for expense and travel to fit your business needs
BILL Divvy Card: Best for High Rewards Rate & Three Payment Frequencies
BILL Divvy Card | |
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Qualifications | Terms |
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Why We Like It
Small and midsize companies needing a $500 to $5 million credit limit would be a good fit for this card. It has a $0 annual fee and lets you choose how frequently you would like to pay your balance. You have the option to pay your bills in full either monthly, semi-monthly, or weekly—and the more frequently you pay, the higher the rewards you’ll earn, as follows:
Weekly | Semi-monthly | Monthly |
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- Flexible rewards redemption lets you redeem your rewards as cash back, travel, statement credit, and gift cards
- Expense management software enables you to track your expenses and control your spending
- Accounting integrations with various accounting software, including QuickBooks, NetSuite, and Sage Intacct
American Express® Corporate Gold Card: Best for Frequent Travel Expenses
American Express® Corporate Gold Card | |
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Qualifications | Terms |
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Why We Like It
It lets you earn 5% Uber Cash on eligible rides with Uber and orders with Uber Eats and Membership Rewards® points on other business expenses. You can also enjoy travel perks, like a $100 airline fee credit, a $100 LoungeBuddy credit, and either a $100 statement credit for Global Entry or $85 for TSA PreCheck®.
- Hilton HonorsTM Silver status—enjoy premium perks and rewards, such as up to 10 Base Points per $1 spent, plus a 20% bonus on all Base Points earned
- Corporate rewards earning options:
- Allow your employees to enroll in the Individual Membership Rewards® Program so that they can use the rewards they earned; or
- Enroll the corporate card into the Corporate Membership Rewards® Program to pool rewards for business use.
- Online and mobile app account access to monitor transactions and set limits.
- Concur® Expense lets you access Program Optimization reports for more in-depth expense reporting, allowing you to spot spending trends and saving opportunities. To be eligible, you need to meet certain conditions—your company must have:
- 10 or more employees
- Spent at least $250,000 in the last 60 days during the quarterly reporting period
How We Selected the Best Corporate Cards
We considered corporate credit cards that offer features that are useful for small to large companies. These include the ability to add employee cards, streamlined expense management platforms, robust controls, and seamless integrations with other business tools.
We also prioritize cards that come at a low cost and offer rewards on purchases. When choosing the best corporate credit cards for your company, make sure to consider these factors and other functionalities that work best for your unique business’s needs.
Frequently Asked Questions (FAQs)
It is typically a charge or prepaid card that can be used for business-related expenses and offers functionalities that address the needs of medium to large businesses. These include the ability to add employee cards, set spending controls, monitor and manage expenses, and integrate with other business tools. With corporate cards, the company—not the business owner—is typically liable for the charges made on the cards.
Corporate credit cards are ideal for medium and large businesses needing the unique benefits they offer, such as a robust expense management system, rewards on purchases, business tools integrations, streamlined platforms, and protection coverages. To qualify for a corporate card, your business should be structured as an LLC or corporation.
Corporate cards allow you to streamline your company’s expenses with its cash management platforms, robust spending controls, and seamless accounting integration. You can also keep your business and personal expenses separate because corporate credit cards don’t require a personal guarantee, meaning you won’t be personally liable for your company’s obligations. What’s more, you can take advantage of rewards and exclusive perks, which vary depending on what the corporate card issuer offers.
The main difference between a corporate card and a business credit card is the payment scheme. Most small business credit cards allow you to carry a balance with APR, whereas corporate cards are either charge cards (which need to be paid in full each billing cycle) or prepaid cards (which need to be preloaded with funds).
Both can be used for business-related purchases and offer benefits such as rewards, protection coverages, and expense management platforms. However, since corporate cards are designed for medium and large businesses with hundreds of employees, these generally come with more robust spending controls and expense reporting tools.
Bottom Line
Corporate credit cards are great for companies that want to keep card liability within the business entity. The best corporate credit cards are those that come with streamlined expense management and reporting tools, ongoing rewards, exclusive perks, and low fees. Make sure that your business is registered as a limited liability company (LLC) or corporation to qualify for most corporate credit cards.
