The 11 best business credit cards in 2025

Think about how you and your team spend today — travel, SaaS subscriptions, office supplies, the works.

Without the right business credit card, those expenses scatter across accounts and create reconciliation headaches at month-end. With the right one, every swipe keeps your close clean. And when that card is tied to a spend management platform (like Rippling), it delivers far more control than a traditional bank card.

Let's look at 11 of the best business credit cards, with side-by-side comparisons and clear advice on which one fits your business best.

Types of business credit cards and corporate charge cards

Not all business cards work the same way. Here are four different types:

Business credit cards with revolving credit

Traditional business credit cards work like personal cards. You can pay a minimum each month and carry the remaining balance forward. The trade-off is interest charges on unpaid balances. For example, carrying a $50,000 balance at a 20% APR could cost $10,000 a year in interest.

While this flexibility smooths cash flow, the liability often ties back to your personal credit, which means your own score is at risk if the business defaults.

Corporate charge cards

Corporate charge cards work differently. The full balance must be repaid by the statement due date, so there’s no revolving debt. In return, they usually come with higher limits and more granular spending controls. 

Modern corporate card platforms (like Rippling) have automation features like receipt matching and category blocking.

Individual vs. corporate liability

Individual liability cards

An individual liability card is issued in the employee’s name. The employee pays the bill directly and then files for reimbursement. This puts legal responsibility for repayment on them, even though the charges are for business use.

Corporate liability cards

These are issued under your company's name, so you bear the liability for any charges. This setup simplifies reimbursement, reduces employee risk, and makes it easier to enforce spending policies at scale.

Quick comparison: Best business and corporate cards at a glance

We'll do a deep dive in the next section, but first, here's a table for you to see your options side-by-side (as promised). I've compared every business card against the same set of criteria, so you can quickly see how they stack up.

Corporate cards you can set and forget

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Methodology: How I chose these cards

I didn’t pick these cards just by reading their marketing hype. Each recommendation was sourced from real product walk-throughs and user feedback, and judged against practical business criteria, such as:

Business credit card rewards 

I compared cash back, points, and perks based on how some of our customers actually spend — software, travel, and everyday operations. 

Controls and software integration

Expense leaks are a common pain point, so I prioritized cards with strong spend controls, virtual card issuance, and integrations with accounting or ERP systems. 

Fees and transparency

In my opinion, fees can be worth it if the perks justify them. Hidden costs, however, are deal breakers. I checked for transaction fees and APR terms so you know what to expect upfront.

Personal guarantee vs. corporate liability

Cards that require personal guarantees (Chase, Amex, Capital One, BofA, U.S. Bank) put your credit on the line. True corporate cards (Rippling, Brex, Ramp, Mercury, Stripe) shift liability to the business, reducing personal risk. I tagged each card accordingly.

Scalability and company stage fit

An investor-backed startup has different spending needs than a CFO running a 500-person company. I matched cards to roles and contexts: founders who want simple cash back, SMBs with bundled credit and expense tool needs, finance heads focused on automation, etc.

Rippling editorial policy: Rippling puts our customers (and prospective customers!) first. The Rippling team is committed to providing information supported by product data, expert insights, and real customer feedback to inform all of our content. All of our content is reviewed by product experts for accuracy and freshness.

Deep dive: My full review of each credit or charge card

Let's now take a closer look at the 11 cards that made the best credit and corporate card list. In each review, I explain why it stands out, what the trade-offs are, and who should (or shouldn’t) use it.

1. Rippling Corporate Card

Fees: No annual fee.

Rippling doesn’t just issue cards; it connects them directly to expense management, bill pay, and even payroll. Of all the business credit cards I reviewed, it's the only one that unifies spend with payroll and workforce data. And unlike most bank-issued cards, there’s no personal guarantee, so liability stays with your business.

Where Rippling falls short:

The Rippling Corporate Card is only available to registered legal entities (except sole proprietorships) with an EIN. Also, to get one, you must be a Rippling Spend customer; it’s not available as a standalone credit card.

Is Rippling right for you?

Use the Rippling Corporate Card if you need an all-in-one platform with automations and employee data integrations to enforce spend policy. 

It may not be the best fit if your priority is getting the most out of airline or hotel loyalty programs, since the card offers flat cash back rather than reward multipliers.

Rippling: Feature snapshot

Pro tip: Rippling’s biggest edge is that it unifies multiple tools — corporate cards, expense tracking, bill pay, and payroll — in one system. Since Rippling houses your employee data, you can always enforce card spend with hyper-custom policies and automate control over how, when, and where employees can spend.

You’ve never had control over card spend like this

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2. Brex Corporate Card

Fees: No annual, interest, or foreign transaction fees.

Brex built its reputation by making corporate cards accessible to startups that banks wouldn’t underwrite. Instead of relying on the founder’s personal credit, Brex bases its limits on a company’s cash balance and revenue. 

Brex offers strong rewards in categories startups actually use —like software, and travel — and their corporate card comes with built-in spend controls and budgeting tools.

Where Brex falls short:

Brex's eligibility favors venture-backed companies, often leaving smaller businesses out. To qualify, you typically need a minimum cash balance of $50,000 (for monthly payments) or north of $1 million ARR (for daily payments). Rewards are also tied to the platform, so if you don’t route spend through Brex’s portal, you won’t get any multipliers.

By contrast, Rippling’s card is available to a wider range of businesses and pairs directly with payroll and HR data, which Brex does not.

Is Brex right for you?

Use Brex if you want flexible credit limits without a personal guarantee, and rewards tailored to software and travel. Note that the limits depend on your company's cash balance, revenue, and other pre-defined factors.

Brex: Feature snapshot

Pro tip: If you already use Brex, Rippling integrates directly, so you can centralize spend with HR and payroll.

“The biggest issue we had with Brex was that it was another tool. Somebody had to remember to log in and make sure that they found each transaction, or they increased the limit for whichever cardholder—but then you had to invite the members in there, so the provisioning and deprovisioning of users was just annoying, to be completely honest.” Ex. Brex customer

3. Ramp

Fees: No annual fee.

Ramp positions itself as an “all-in-one” spend platform, offering corporate cards alongside expense management, procurement, and travel tools. Ramp cards require no personal guarantee and offer a flat 1.5% cash back on all purchases.

Where Ramp falls short:

Despite its breadth, Ramp doesn't consolidate spend with HR and payroll. This means its users often end up juggling multiple tools with siloed employee data, driving up the total cost of ownership.

Ramp also doesn't have a carry-over option, so balances must be paid in full each month. 

Is Ramp right for you?

Choose Ramp if you want a broad set of spend management tools with AI-driven savings insights. However, if you need payroll and workforce data in the same system, with deeper automation across approvals, reimbursements, and travel, Rippling may be a better fit.

Ramp: Feature snapshot

Pro tip: Ramp is ideal if your priority is savings insights in a finance-only stack. Rippling takes it up a notch by unifying spend, payroll, and workforce management into one stack. 

“Ramp is exceptionally difficult for creating cards and eliminating cards in a fast fashion​​ — it’s all manual. Rippling, being our HRIS system, automatically provisions a card right at the time we hire and disables the card at termination. The different rules that we can automatically apply to each card are also a value add. It was an unbelievable time save.” Ex. Ramp customer

4. BILL Divvy Card

Fees: No annual fee.

BILL (formerly Divvy) combines free corporate cards with built-in expense management and budgeting software. It offers credit lines ranging from $1,000 to $5 million and category-based rewards (up to 7x on restaurants and 5x on hotels) that make it popular among U.S.-based SMBs.

Where BILL falls short:

Reimbursements often involve manual handling, and finance teams lack a full view of spend since payroll isn’t part of the dashboard. Issuing or deactivating cards also takes extra manual work. On top of that, BILL’s high reward rates only apply if you pay more often, which can put pressure on cash flow.

Is BILL right for you?

BILL works well for smaller businesses that want free cards and simple budgeting software without layering on extra vendors. Skip it if your cash flow can’t handle accelerated repayment.

BILL: Feature snapshot

Pro tip: With BILL, you’ll get expense management, but no path to connect Finance with Payroll and HR. With Rippling, you can start with spend management and add consolidation later.

“Before, we had every single person in the company walking around with a physical credit card. That’s really dangerous. Our control structure is important to me, knowing who can access what.” Ex. BILL customer

H3: 5. Chase Ink

Fees: $0–$95 annual fee and 3% FX fees depending on version (Cash, Unlimited, Preferred, Premier, etc.).

Chase Ink credit cards are a popular choice for small businesses thanks to generous sign-up bonuses and flexible category rewards. They are bank-issued cards with features like purchase coverage and fraud monitoring.

Where Chase Ink falls short:

All Chase Ink business cards require a personal guarantee, so your credit as a cardholder is on the line. They operate as traditional revolving credit cards, meaning interest charges can quickly outweigh rewards if balances aren’t paid in full.

Chase also lacks built-in expense automation and payroll sync, leaving finance teams to manage spend across disconnected systems. 

Is Chase Ink right for you?

Chase Ink's personal guarantee requirement means you're personally liable for debt if your business defaults. It ties application approval to your credit score and history. If you accept that, they deliver on lucrative sign-up bonuses and category rewards.

Chase Ink: Feature snapshot

Pro tip: Chase Ink is best if you want to maximize sign-up bonuses and travel rewards, but it comes with personal liability and limited automation. 

"We lacked the means to establish a system that empowered card users to independently access, reconcile, and upload receipts.” Ex. Chase customer

6. Amex Business Platinum Card

Fees: $695 annual fee, 18.49%-29.24% APR.

The Amex Business Platinum is the go-to premium card for travel-heavy teams. You get 5x points on flights and prepaid hotels booked through Amex Travel, access to 1,400+ airport lounges (Centurion, Priority Pass, Delta Sky Club), plus perks like hotel status and travel protections. For companies with big travel budgets, the perks can outweigh the steep fees.

Where Amex Business Platinum falls short:

While the rewards are great for travel, Amex doesn’t offer built-in expense automation, payroll sync, or out-of-policy controls. Rippling fills those gaps with a unified payroll and tighter spend management in one platform.

Is Amex Business Platinum right for you?

Go with the Amex Business Platinum card if your team travels often and values luxury perks and points. Skip it if you need corporate liability, integrated payroll, or deeper control over spend.

Amex Business Platinum: Feature snapshot

Pro tip: The Amex Business Platinum is unbeatable for luxury travel perks but less effective as a spend management tool or if you’re spending heavily in non-travel categories.

“I’ve gone from closing the prior month’s finances in 10 to 15 days to being able to do it in just two. And, honestly, I think it’ll be even faster this month as I get more familiar with Rippling. The layout of Rippling lets me stay on top of spend as it happens. It’s saved me tremendous amounts of time. I’m able to actually get back to more important projects.” Ex. Amex customer

7. Capital One Spark Cash Plus

Fees: $150 annual fee (refunded if you spend >$149,999 in a year).

The Spark Cash Plus pays unlimited 2% cash back on all purchases and 5% on hotels and rental cars booked through Capital One Travel. For businesses with steady spend, the flat 2% rate is easy to predict.

Where Capital One Spark Cash Plus falls short:

The card is bank-issued and doesn’t include automated expense controls, payroll/HR integration, or travel policy enforcement. While the 2% flat rate is competitive, Rippling’s 1.75% cash back comes with corporate liability and spend controls tied to HR data.

It does offer unlimited cash back and rewards, but unpaid balances incur a 2.99% late fee. This is on top of the annual fees.

Is Capital One Spark Cash Plus right for you?

Use Spark Cash Plus if you spend heavily in broad expense categories and can pay off your balance in full each cycle. If your business is under $150,000 in annual spend, you're unlikely to get your Spark Cash Plus fee refund. This means the fees will become a cost burden, and you'll be overpaying for benefits you can’t use fully.

If you want tighter spend controls by employee or HR role, or need to carry a balance, it is less ideal.

Spark Cash Plus: Feature snapshot

Pro tip: Spark Cash Plus is best if you want predictable cash back with no category tracking or preset spend limits.

8. BofA Business Advantage Customized Cash Card

Fees: No annual fee, 3% FX fees.

The Bank of America Customized Cash card lets you pick a 3% cash back category (like gas, office supplies, travel, or tech), 2% on dining, and 1% on other purchases. 

The default category for the 3% cash back is gas and EV charging stations, but you can switch the 3% category each month.

Where the BofA Customized Cash card falls short:

The 3% and 2% rewards only apply to the first $50,000 you spend each year. After that, you drop to 1% on everything across the board. The card also requires a personal guarantee and doesn’t offer spend automation or direct payroll sync.

Their 0% introductory APR offer ends after 9 billing cycles, after which a variable APR (from 17.49% to 25.49%) will be applied.

Is the BofA Customized Cash card right for you?

It's a good fit if you want a no-fee card with boosted rewards in one category. Not so great if you need automations, unlimited rewards beyond the $50,000 cap, corporate liability, or tighter spend controls.

BofA Business Advantage Customized Cash: Feature snapshot

Pro tip: The BofA Customized Cash card is flexible if you want to maximize spend in a single category, but it caps out quickly and ties liability to your personal credit.

9. U.S. Bank Business Triple Cash Card

Fees: No annual fee, 3% foreign transaction fee, 0% intro APR for 12 months, then 17.99%–26.99%.

With the Triple Cash card, you can earn 3% cash back on eligible gas and EV charging station purchases (under $200), office supplies, cell phone services, and dining. You also get 5% on prepaid hotels and car rentals booked through the U.S. Bank Rewards Center and 1% on everything else. 

It includes a $100 annual statement credit for eligible software subscriptions and a 0% introductory APR for 12 billing cycles.

Where U.S. Bank Business Triple Cash falls short:

Cash rewards expire if there's no reward, purchase, or balance activity for 12 consecutive statement cycles. Also, your variable APR will range from 17.99% to 26.99% after the introductory period.

If your business is small, new, or doesn’t have large revenue, you might expect a starting limit in the low thousands (~$3,000-$10,000). If you have good financials, the limit could get significantly higher (>$25,000). At that point, you’ll need to provide two years of recent financial statements, including company tax returns, income statements, and balance sheets.

Is Triple Cash right for you?

Use Triple Cash if you want business credit card rewards on select categories with no annual fee. It's less ideal if you plan to cover international purchases or gas/EV transactions over $200 since those either incur a 3% fee or drop to just 1% cash back.

Triple Cash: Feature snapshot

Pro tip: The U.S. Bank Business Triple Cash card works for everyday business expenses and software credit, but lacks if you want integrated spend automation or HR sync.

10. Mercury IO Card

Fees: No annual fee, 0% APR, 1% FX fees for non-USD wires.

Mercury built IO for startups that want a modern corporate card without personal guarantees or credit checks. It pays unlimited 1.5% cash back on every purchase, including international spend, and issues unlimited virtual and physical cards to employees.

Where Mercury IO Card falls short:

It’s only available to U.S. startups with at least $15,000 in a Mercury account, so not every company size qualifies. Since it’s tied directly to Mercury bank accounts, limits are determined by your balance. 

Integrations with accounting systems like QuickBooks, Xero, or NetSuite are basic and only available on a Mercury Pro Plan. 

Is Mercury IO Card right for you?

It's great for venture-backed startups already banking with Mercury. Not so great if you need payroll sync, cannot keep an average 30-day balance of $15,000, or aren't already a Mercury customer.

Mercury IO Card: Feature snapshot

Pro tip: Mercury IO is startup-friendly, but it’s limited to companies that bank with Mercury. If your business cannot meet its cash-balance requirements, other cards might serve better.

11. Stripe Corporate Card

Fees: No annual, foreign transaction, late payment, or card replacement fees.

Stripe issues both virtual and physical cards instantly, with credit limits that increase as your company's processing volume grows. From my research, you can set spending control limits per employee, per interval, per merchant, or per category, and block certain purchase categories.

Where Stripe Corporate Card falls short:

It's only available to existing Stripe customers, and the cash back options (if any) are not transparent. While it offers real-time expense reporting and integrations with QuickBooks and Expensify, it doesn't provide payroll or HR integrations like Rippling.

Is Stripe Corporate Card right for you?

Excellent if you're already using Stripe's payment platform and want integration with your payment data. If you need broader spend management with HR tie-ins or transparent rewards, other corporate cards are a better fit.

Stripe Corporate Card: Feature snapshot

Pro tip: The Stripe corporate card works best if you’re already locked into the Stripe ecosystem. Outside of it, the card has limited value.

Which business credit card or corporate card is best for your business?

The options may be overwhelming, but picking the right corporate card simply depends on your company's stage, cash flow, and how your team actually spends. Here's a role-based breakdown to help you decide.

Founders

If your business is just getting off the ground and you need something straightforward, the Capital One Spark Cash Plus or the BofA Customized Cash will do the job. They’re predictable and don’t require you to overthink expense categories.

If you’ve raised venture capital and need higher limits without tying your personal credit to the business, Brex or Mercury IO are built for startups.

CFOs/Finance leads

If your priority is spend control, Ramp works, but if you need those same spend tools tied directly to payroll and HR data, Rippling gives you all of that in one unified platform. It’s the difference between just managing spend and actually automating the whole workflow.

Travel-heavy teams

On this list, Amex Business Platinum wins on luxury perks, lounges, and high travel multipliers if you're always on the move.

Bonus point: Reward maximizers

If you love collecting points like coupons, the Chase Ink family stacks some rich sign-up bonuses and category multipliers. Amex Business Platinum adds premium travel points, too. 

If you'd rather not juggle categories and portals, Rippling's 1.75% or Capital One Spark's 2% keeps things simple.

Choose based on your company stage

Choose based on your spending patterns

Choose based on your integration requirements

Why Rippling is the #1 choice for business spend in 2025

After reviewing all the options, one thing is clear: most cards solve only part of the problem. Bank cards give you rewards, but don't automate much. Fintech cards add controls but stop short of integrating with payroll and HR. 

Rippling is the only platform that brings it all under one roof. With Rippling, you get:

• Corporate cards with no personal guarantee or credit checks

• 1.75% unlimited cash-back across every purchase

• Granular spend controls tied to real HR data (like role, level, department, or location)

• Payroll and HR integration, so reimbursements, approvals, and offboarding all run automatically

• Automatic blocking of out-of-policy purchases

• One dashboard to manage cards, expenses, bill pay, and payroll

With this combination, Rippling isn't just another corporate card. It's a complete spend platform that reduces admin work, speeds up month-end close, and scales with your business.

Spend less time chasing receipts

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FAQs on business & corporate cards