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Corporate cards & spend management
Compare modern corporate cards, cashback rewards, virtual cards, multi-currency spending and expense-management platforms. Find the right solution for your business.
4 cards in United States
Corporate charge · Spend management
Flat cashback with no personal guarantee
Up to 1.5% cashback on card spend, no annual fee and no foreign transaction fees.
Cashback
Up to 1.5%
On card spend
Annual fee
$0
No foreign transaction fees
Personal guarantee
Not required
No personal credit check
Corporate charge · Points
Built for venture-backed startups
Corporate card with no personal guarantee. Founders’ personal credit isn’t used or reported. Part of Capital One since April 2026.
Annual fee
$0
Free plan
Personal guarantee
Not required
Personal credit not used
Apply with
EIN
US businesses
Business credit · Cash back
Flat cash back from a big bank
1.5% cash back on every purchase with no annual fee.
Cash back
1.5%
On every purchase
Annual fee
$0
Employee cards available
Personal guarantee
Required
Personal credit check
Corporate card · Cashback
1.5% cashback for Mercury customers
Card for businesses banking with Mercury, with no personal guarantee and no credit check at sign-up.
Cashback
1.5%
On all spend
Personal guarantee
Not required
No credit check at sign-up
Base plan
$0
Monthly
How a card is funded affects your cash flow, your eligibility and whether anyone has to sign a personal guarantee.
You spend now and pay the balance in full at the end of each cycle. Limits are usually based on your company’s cash and revenue.
You load money first and spend it down. Easier to qualify for, with no credit, but you tie up cash in advance.
Spending draws straight from a business account, often one that holds several currencies. Useful when you pay suppliers abroad.
Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.
