Editorial and Partnership Disclosure Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Corporate cards are either charge or prepaid cards with functionalities designed for medium to 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 eight best corporate credit cards for 2025:
- Ramp Credit Card: Overall best corporate credit card with a straightforward rewards program
- Emburse Spend Card: Best prepaid card with unlimited cash back
- Coast Fuel Card: Best for frequent fuel expenses
- Rippling Spend Credit Card: Best for custom card policies, robust control, and cash back
- U.S. Bank Commercial Rewards Card: Best for cost-savings and earning rebates
- Rho Card: Best for daily or monthly payment terms with exclusive partner rewards
- BILL Divvy Card: Best for high rewards rate and three payment frequencies
- American Express® Corporate Gold Card: Best for frequent travel expenses
Looking for smarter corporate cards? Meet Rippling Spend |
|
Overview of the Best Corporate Credit Cards
Best For | Annual Fee | Key Features | ||
|---|---|---|---|---|
 Ramp | Overall best corporate credit card with a straightforward rewards program | $0 |
| |
 Emburse Spend Card | Prepaid card with unlimited cash back | $0 |
| |
 Coast Fuel Card | Frequent fuel expenses | $0; only $4 per active card, per month |
| |
 Rippling Spend Credit Card | Custom card policies, robust control, and cash back | $0; only $11 per month |
| |
 U.S. Bank Commercial Rewards Card | Cost-savings and earning rebates | $0 |
| |
 Rho Card | Daily or monthly payment terms with exclusive partner rewards | $0 |
| |
 BILL Divvy Card | High rewards rate and three payment frequencies | $0 |
| |
 American Express® Corporate Gold Card | Frequent travel expenses | $250 |
|
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
- Integrates with accounting software, such as QuickBooks and Xero
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
- Integrates with accounting software, such as QuickBooks and Xero
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
Ramp Credit Card 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, you can get 10 to 20 times higher credit limits than regular business credit cards.
- Unlimited virtual 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
- Direct integration with a variety of accounting systems, including QuickBooks, NetSuite, Xero, and Sage Intacct
Emburse Spend Card: Best Prepaid Card With Unlimited Cash Back
Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
Why We Like It
Emburse Spend Card 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. It is best for companies that have sufficient cash on hand and don’t want to incur debt.
- $0 annual, monthly, and per-transaction fees
- Up to $100,000 load limit—if you need an increase, 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
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
For only $4 per active card, per month, Coast Fuel Card offers up to 10 cents rebate per gallon anywhere you purchase fuel (this includes a 4 to 10 cents per gallon rebate at every participating Exxon, Mobil, 7-Eleven, Casey’s, Circle K, and 40 additional brands). Besides 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.
- 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
- Expense reports and comparative charts let you track expense transactions easily
Rippling Spend Credit Card: Best for Custom Card Policies, Robust Control & Cash Back
Rippling Spend Credit Card | |
|---|---|
Qualifications | Terms |
|
|
Costs | |
| |
Why We Like It
Rippling Spend Credit Card lets you earn up to 3× points—and there’s no limit to the number of points you can earn, plus your rewards don’t expire as long as your account is active and in good standing. Rippling provides you direct access to your employee data, so you can create a custom card policy to enforce spend controls as necessary.
- Unlimited rewards
- 3× points on rideshares
- 2× points on travel
- 1.25× points on top category
- 1× point on everything else
- Robust automation of processes, including updating card policies, issuing employee cards, and revoking cards
- Personalized card branding with your company logos
U.S. Bank Commercial Rewards Card: Best for Cost-savings & Earning Rebates
U.S. Bank Commercial Rewards Card | |
|---|---|
Qualifications | Terms |
|
|
Costs | |
| |
Why We Like It
U.S. Bank Commercial Rewards Card is ideal for companies 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
- Single, intuitive platform powered by TravelBank allows your company to manage cash flow better 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
Rho Card: Best for Daily or Monthly Credit Terms With Exclusive Partner Rewards
Rho Card | |
|---|---|
Qualifications | Terms |
|
|
Costs | |
| |
Why We Like It
Rho Card is known for its seamless platform that helps businesses manage expenses and cash flow. It comes with $0 annual and subscription fees and offers cash rewards on eligible purchases in the form of a statement credit. On top of that, you can take advantage of more than $600,000 exclusive partner perks, including Stripe, Slack, Gusto, and Amazon.
- Rho platform features expense management tools to streamline reimbursements, approval workflows, and expense reporting
- No personal guarantee, consumer credit report (personal credit check), or personal credit score pull required
- Higher, scalable credit limits that increase as your company grows
BILL Divvy Card: Best for High Rewards Rate & Three Payment Frequencies
BILL Divvy Card | |
|---|---|
Qualifications | Terms |
|
|
Costs | |
| |
Why We Like It
BILL Divvy Card is known for its scalable and generous credit limits—small to midsize companies can get credit limits ranging from $500 to $5 million. It has a $0 annual fee and lets you choose how frequently you would like to pay your balance—either monthly, semimonthly, or weekly. Note that the more frequently you pay, the higher the rewards you’ll earn, as follows:
Weekly | Semi-monthly | Monthly |
|---|---|---|
|
|
|
- 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 | |
|---|---|
Qualifications | Terms |
|
|
Costs | |
| |
Why We Like It
American Express® Corporate Gold Card 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, Hilton HonorsTM Silver status, and either a $120 statement credit for Global Entry or $85 for TSA PreCheck®.
- 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, 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 useful features to small to large companies. These include the ability to add employee cards and get streamlined expense management platforms, robust controls, and seamless integrations with other business tools. We also prioritized cards that are 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)
The key difference lies in how the terms are structured. Small business credit cards allow you to carry a balance and charge interest (APR), while purchasing cards are typically either charge cards (requiring full payment each month) or prepaid/debit cards (requiring preloaded funds). Both are used for business expenses, but purchasing cards are specifically designed to streamline business-to-business (B2B) transactions.
For a detailed comparison, check out our comprehensive guide on small business credit cards vs purchasing cards.
You can use purchasing cards when creating a purchase order, check request, or petty cash that needs to be processed with any vendor that accepts credit cards. You can benefit from using purchasing cards due to their convenience and lower transaction costs and by using them as an alternative to petty cash.
When deciding which purchasing card is best for your business, consider the following:
- Payment terms: Do you want to pay your balance after each month, or do you want your purchase transactions to be directly deducted from your account balance? This can help you decide which card to use—either a corporate charge card or a prepaid purchasing card.
- Rewards: If your company prefers to earn rewards on purchases, select a card that offers rewards in the form of cash back, points, or rebates.
- Software: All purchasing cards come with business tools and reporting software that make it easier for your company to track and reconcile transactions. Choose one with software that integrates with your accounting system and allows you to set the controls that you want.
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.
