The 11 best commercial credit cards for business in 2025

With only a handful of local employees, using a traditional business credit card is manageable. But once your organization starts running global payroll or managing multimillion-dollar budgets, you'll definitely need something stronger. That’s where commercial credit cards come in.

In this guide, I'll review 11 of the best commercial cards for enterprise spend, comparing everything from rewards to liability models so you see which one aligns best with your priorities.

Types of commercial cards and program types

Unlike standard business credit cards, commercial cards are built for high-volume spending, AP automation, and corporate liability. Before we compare the issuers, let's see what types and use cases are available.

Commercial credit cards (revolving credit)

These are like the business version of consumer credit cards. You can carry a balance and pay interest over time. This flexibility is why you’ll see them all over the SMB space.

While they can scale to larger teams, interest charges can wipe out any reward gains if you’re not paying in full. Plus, most commercial credit card programs in this category don’t give you the same policy controls or ERP integrations that enterprise finance teams expect.

Corporate charge cards (full repayment)

With corporate charge cards, you pay off the balance in full every cycle. No revolving debt, no interest. That lowers risk for issuers, which is why the cards often come with higher limits, stronger policy controls, and better perks.

Commercial card program types

Corporate liability vs. individual liability cards

Corporate liability: Here, the company, not the employee, is responsible for charges. This means no founder or CFO is putting their personal credit on the line.

Individual liability: Here, your employee is responsible and gets reimbursed by the company. Banks like this model because it’s easy to underwrite, but it exposes your team to personal credit risk.

Purchasing cards (P-cards)

P-cards are a shortcut for procurement. Instead of cutting POs and waiting on invoices, your team can pay vendors directly. Finance still gets detailed spend data, but the workflow is much easier to track.

Travel & entertainment (T&E) cards

T&E cards pull flights, hotels, and meals into one place, sync with booking tools, and usually come with extras like lounge access and travel insurance.

Fleet cards

If your company runs vehicles, fleet cards are the easiest way to control gas and maintenance spend. You can lock cards to fuel stations, track mileage, and spot out-of-policy charges before they snowball.

Ghost/virtual cards

No physical plastic here — just virtual numbers created for a specific vendor or transaction. They’re a favorite for AP automation because you can tie each card to a vendor, set a cap, and shut it off instantly. That means less fraud risk and cleaner reconciliation at month-end.

Quick comparison: Best commercial & corporate cards at a glance

We'll do a deep dive in the next section, but first, here's a side-by-side comparison of the best commercial credit cards.

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Methodology: How I chose these commercial cards

For this review, I looked at product walk-throughs and customer feedback, and measured the cards against the following criteria.

• Liability model: Whether the card keeps risk at the company level or requires a personal guarantee.

• Scale: How well the program plugs into ERP systems, treasury workflows, and AP automation once spend starts to climb.

• Controls: The strength of spend policies — MCC blocking, per-employee limits, ghost or virtual cards for vendors.

• Global acceptance: Whether the card holds up for international spend with multi-currency support.

• Pricing: Annual fees, FX charges, and how clearly the terms are spelled out.

• Enterprise role fit: I mapped each against the needs of CFOs, controllers, procurement leaders, finance teams, etc.

Rippling editorial policy: Rippling puts our customers (and prospective customers!) first. The Rippling team is committed to providing information supported by product data, insights, and customer feedback to inform our content. 

Deep dive: My full review of each card

Let's now see the 11 cards on my best commercial credit card list. For each one, I highlight why it stands out, where it falls short, and the type of business it’s best suited for.

1. Rippling Corporate Card

Fees: No annual fees or interest

Rippling issues cards, but also connects them directly to expense management, billing, and payroll. That makes it the only platform on this list that unifies spend with workforce data. 

With Rippling, you can also create hyper-custom card policies and automatically control how, when, and where your employees can spend.

Where Rippling falls short:

The Rippling Corporate Card is only available to registered legal entities with an EIN. Sole proprietorships aren't eligible. You also have to be a Rippling Spend customer to access one.

Is Rippling right for you?

Use the Rippling Corporate Card if you want cards, expense, and payroll rolled (pun intended) into one system with no PG risk. If you’re chasing maximum airline or hotel loyalty points, you may be better off with a dedicated travel card, since Rippling pays flat cash back rather than multipliers.

Rippling: Feature snapshot

Pro tip: Since Rippling unifies your employee data, you can set custom spend rules and automate controls that update as roles or teams change.

2. Brex Corporate Card

Fees: No annual, interest, or foreign transaction fees

If your business has strong cash reserves but limited credit history, Brex is likely a good fit since it focuses on cash flow rather than traditional credit metrics. 

Depending on your plan, they also offer category-specific rewards with multipliers on SaaS, travel, rideshare, and restaurants, and reports to business credit bureaus, helping your company build independent credit.

Where Brex falls short:

When comparing Brex against competitors, I found that their higher qualification requirements make it less accessible for startups. To qualify, you typically need at least $50,000 in a U.S. bank account or venture funding.

Is Brex right for you?

Choose Brex if you're a venture-backed or cash-rich company that spends heavily on SaaS, travel, and dining, and you want rewards multipliers rather than flat cashback. Not ideal if you’re a bootstrapped or non-US business.

Brex: Feature snapshot

Pro tip: If you’re below Brex's $50K cash balance threshold or not venture-backed, you may struggle to get approved. 

“Our main issue with Brex was that it was just another tool to manage. Someone had to remember to log in, check transactions, or adjust card limits. Adding or removing users was particularly tedious and frankly, annoying. Brex also didn't prioritize integration with our ERP or other essential tools, complicating our reconciliation processes.” Ex. Brex customer

3. Ramp

Fees: No annual fee

Ramp focuses less on perks and more on cost control. All purchases made using your Ramp card earn you 1.5% cash back rewards as statement credit. 

If your team travels a lot, Ramp won’t deliver the premium perks or category multipliers that some commercial cards like Amex or Chase offer. Rewards are flat, and the emphasis is on expense management rather than lifestyle benefits.

Where Ramp falls short:

Unlike Rippling, Ramp doesn’t sync with HRIS data (like PTO, role changes), so approvals can stall, and reimbursements can’t run through payroll automatically. While marketed as “no-fee,” Ramp's reliance on integrations and manual workarounds can raise admin costs. 

Is Ramp right for you?

Choose Ramp if you value spend controls over flashy perks. However, if you need expense and workforce data in the same system, Rippling may be a better fit.

Ramp: Feature snapshot

Pro tip: If you care less about racking up travel points, Ramp works. Rippling takes it up a notch by unifying spend, payroll, and workforce management into one platform.

“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

Divvy, now part of BILL, combines its commercial cards with built-in budgeting and expense management. Credit lines run from $1,000 to $5 million, depending on your company's profile, and every transaction feeds into the native tools.

Where BILL falls short:

Repayment terms can be aggressive (daily, weekly, or semi-monthly). This can strain cash flow if you prefer monthly reconciliation. Rewards are cadence-based — meaning the less often you repay, the weaker your rewards. 

For large companies, international features are thinner than bank-issued commercial programs, and BILL doesn’t offer the same depth of ERP or treasury integrations you’d see from Citi or JPMorgan.

Is BILL right for you?

Yes, if you want to give your managers clear budgets without adding more software. Not ideal if your company needs monthly repayment flexibility, enterprise-grade ERP integrations, or global treasury capabilities.

BILL: Feature snapshot

Pro tip: BILL works if you want integrated accounts payable and spend management with accessible qualification criteria. If your finance team is global or treasury-driven, a bank commercial program may be a better fit.

5. Amex Corporate Card Program

Fees: Varies by card program and company contract

American Express runs one of the most established corporate card programs. You can choose from tiers (Corporate Green, Gold, Platinum) and get global acceptance, robust travel perks, and access to Amex’s Global Lounge Collection. 

Most programs are set up with corporate liability, and Amex includes policy controls along with expense integrations to ERP and T&E systems.

Where Amex falls short:

Amex’s strength is travel, not automation. You won’t get the same native AP or ERP hooks that Rippling, Ramp, or Brex deliver. Fees also vary by contract and can be less transparent than fintech flat-fee models.

Is Amex right for you?

Go with Amex if your team travels often and values the points. Skip it if your priority is spend management automation or payroll integration.

Amex Corporate Card: Feature snapshot

Pro tip: Use Amex Corporate if travel spend dominates your budget. 

“Internal policies and controls are better with Rippling than with Amex because we require fields not to be bypassed. But at the same time, we're able to override and put exceptions in certain things if they meet certain requirements. For instance, you can say all spend over this amount requires approval with the exception of a person or a department, which is really cool.” Ex. Amex customer

6. Citi Commercial Cards

Fees: Varies by card program; depends on contract and region

Citi offers commercial card programs with options for T&E, purchasing, meeting, and virtual cards. If your company operates internationally, needs both travel & expense and purchasing card capability, and requires detailed spend reporting, Citi may be a fit.

Where Citi falls short:

Program complexity. Because they offer many programs with different liability models and pricing, setting up a Citi program often involves negotiating terms, long implementation timelines, and more legal/workflow overhead. Compared to other commercial cards I reviewed, it's not the fastest setup.

Are Citi Commercial Cards right for you?

Yes, if you need a full commercial banking relationship and deep ERP procurement and treasury integration with global reach. Not ideal if you want a lightweight setup running in weeks, not months.

Citi Commercial Cards: Feature snapshot

Pro tip: Citi is best if you need advanced treasury visibility across regions.

7. JPMorgan Commercial Cards

Fees: Varies by contract and program

If your company manages large spend globally — with a mix of travel, procurement, and virtual payments — JPMorgan’s commercial card suite gives you options. 

Their “One Card,” purchasing card, virtual card, and procure-to-pay tools come with configurable spend controls, AP automation, and global acceptance under corporate liability.

Where JPMorgan falls short:

Their programs are robust but heavyweight. Contracts take time. Implementation requires legal, treasury, and procurement alignment. Compared to competitor card issuers, their onboarding process and configuration may feel like overkill.

Is JPMorgan Commercial Card right for you?

It may be a fit if you’re an enterprise or multinational looking for a global bank partner for AP and T&E integration. Skip it if you want quick rollouts or more modern HR-linked automations.

JPMorgan Commercial Card: Feature snapshot

Pro tip: Because rebates and terms are negotiated, enterprise companies tend to get the best value from JPMorgan’s card programs. The more volume you run, the stronger your deal.

8. Capital One Commercial Card

Fees: $150 annual fee (refunded at $150K+ annual spend)

Capital One’s commercial offering is anchored by Spark Cash Plus. It offers unlimited 2% cashback and 5% on Capital One Travel bookings.

Where Capital One falls short:

Because it’s a bank-issued card, Spark Cash Plus doesn’t come with built-in expense automation, HR/payroll integration, or policy enforcement. The unlimited 2% cashback is competitive, but balances must be paid in full each month, and late payments trigger a 2.99% fee.

Is Spark Cash Plus right for you?

It’s best if you want predictable 2% cashback and your company reliably spends $150K+ per year across broad categories. If your spend is lower, the annual fee becomes a sunk cost. And if you need granular controls by employee, role, or department, no personal guarantees, or a card that integrates with payroll and HR workflows, Spark Cash Plus won’t deliver.

Capital One Commercial Card: Feature snapshot

Pro tip: Capital One’s commercial card works if you value predictability. For ERP automation, you’ll need another platform.

Where spend meets payroll

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9. Bank of America Commercial Card

Fees: No annual fee on SMB products; enterprise pricing varies.

Bank of America offers both small-business and large commercial card programs. SMB versions (like Customized Cash) require a PG, while enterprise contracts can shift liability to the company. Strengths include category cashback options and access to procurement/T&E card programs.

Where BofA falls short:

Like other big banks, customization is limited, and implementation can take longer because you’re likely negotiating contracts, setting up AP & payables workflows, getting supplier approval, etc. The card also doesn’t offer spend automation or direct payroll sync.

Is BofA Commercial Card right for you?

It's a good fit if you already work with BoFA for treasury or banking, need a widely accepted commercial card, and want expense visibility. Not your best pick if you need out-of-the-box HR-linked spend controls or near-instant setup.

BofA Commercial Card: Feature snapshot

Pro tip: BofA cards are flexible if you want to maximize spend in a single category.

10. U.S. Bank Corporate Travel & Purchasing Card

Fees: Varies by program and contract

U.S. Bank offers dedicated T&E cards, P-cards, and fleet programs. Their “Corporate Travel Card” program includes worldwide acceptance, travel benefit protection (rental car collision, lost luggage, etc.), and detailed transaction data via U.S. Bank Access Online. SMB cards require a PG, but enterprise programs typically carry corporate liability.

Where U.S. Bank Corporate Travel & Purchasing Cards fall short:

I found that U.S. Bank now has a rule that rewards or points may expire if there is no purchase, redemption, or balance activity over 12 consecutive billing cycles. They also have less robust rewards for non-T&E or non-procurement spend compared to programs focused only on travel or SaaS.

Is the U.S. Bank Corporate Travel & Purchasing Card right for you?

Use it if you’re running heavy procurement or T&E programs and already have processes in place to manage travel, purchasing, and vendor spend. Not ideal if you want HR/payroll integration, ERP depth, or fast setup without contract negotiation.

U.S. Bank Corporate Travel & Purchasing Cards: Feature snapshot

Pro tip: U.S. Bank shines if procurement or fleet management is central to your business. Be sure to factor in your readiness for custom setup and ensuring rewards don’t expire unexpectedly.

11. Stripe Corporate Card

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

Stripe’s Corporate Card integrates tightly with the Stripe payments ecosystem. From my research, you can instantly issue virtual and physical cards, set per-employee or per-category limits, and block certain purchase categories.

Where Stripe Corporate Card falls short:

Rewards aren’t clearly disclosed (if any). The only public integrations are with accounting tools like QuickBooks and Expensify. There is no native payroll or HRIS integration. Also, it’s invite-only and typically limited to businesses that already use Stripe.

Is Stripe Corporate Card right for you?

Choose Stripe if you’re already in the Stripe ecosystem, want flexible physical + virtual cards, and real-time spending controls. Not a great fit if you need full corporate card program features like rewards published by category, or HR/payroll integrations out of the box.

Stripe Corporate Card: Feature snapshot

Pro tip: Stripe’s card works if you already use Stripe for payments and want to unify spend controls across your team. But if you’re looking for rewards breakdowns by spend category or built-in HR integrations, other commercial credit card programs may be better fits.

Which commercial card program is best for your business?

The “best” commercial card depends on your company's stage, integration requirements, and how your team actually spends. Here’s how I’d match programs:

Based on your company's stage

Based on your spending patterns

Based on your integration requirements

Bonus: Based on roles

Why Rippling is the #1 commercial card for business in 2025

Most commercial cards are usually issued à la carte and siloed from the rest of your spend management systems. With Rippling, your card program is tied directly to payroll, expense management, and bill pay in one system. It's the only true all-in-one option on this list.

• Unique all-in-one platform: Corporate Card + Spend Management + Payroll + Bill Pay, built natively in Rippling

• Corporate liability: Charge cards with no personal guarantee or credit checks

• Automated policy enforcement: Every transaction can be checked against HR data, spend limits, and approval policies in real time

• ERP and accounting integrations: Connects directly into QuickBooks, NetSuite, Sage Intacct, and Xero for faster close

• Automated reimbursements: With payroll and HR natively connected, reimbursements, approvals, and offboarding all run automatically

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

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FAQs on commercial & corporate cards