The Ultimate Guide to Credit Cards
Thursday, December 12, 2019

18 Best Corporate Credit Cards

18 Best Corporate Credit Cards

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: July 12, 2019

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Although commonly thought of interchangeably, corporate credit cards are actually their own product distinct from the more prevalent business credit card.

Essentially, corporate cards offer functionality specifically designed to meet the needs of large companies with hundreds of employees and robust revenue streams. But that’s not to say there’s no value in a regular business credit card, even at the corporate level.

Determining whether your business needs a corporate credit card or a regular business credit card will come down to your company’s size and revenue, as well as the specific features you need your company’s card to deliver.

Large Corporations | Cash Back | Travel Rewards | Airline Miles
Hotel Points | No Annual Fee | Fair Credit

Obtaining Credit Cards for a Large Corporation

Large corporations tend to have different financial needs than your typical small business, and they need a card that reflects those differences. For example, corporate credit cards — also called commercial credit cards — can have unique structures for billing, purchase tracking, and employee cards, among other features.

While most businesses — even one-person sole proprietorships and DBAs — can qualify for a small business credit card, only actual corporations can generally qualify for a corporate credit card. This means being structured and registered as an S or C corporation.

Additionally, individual corporate credit cards and issuers may have certain revenue qualifications, typically requiring companies make several million in revenue each year, which may be difficult for smaller businesses to meet.

Unlike small business credit cards, signing up for a corporate credit card isn’t always as simple as filling out a quick online application. While some banks may offer an online application, others will require you to contact the bank and meet with an adviser to get started.

If your company doesn’t meet the income or classification requirements for a corporate credit card, you’ll likely need to look into small business credit cards, instead. But that’s not necessarily a bad thing.

Many small business credit cards offer pretty strong rewards programs, as well as options for annual-fee-free credit cards and free employee cards. And when it comes to travel perks and other benefits, some business cards can be well worth adding to even your corporation’s collection.

Best “Cash Back” Cards for Businesses

Simple, straightforward cash back rewards can be an easy way to make your credit card carry its own weight without needing to worry about complicated redemption options or points transfers.

If you want to try and maximize your cash back, a card offering bonus rewards categories can be quite lucrative when the categories align with your business’s expenses. Otherwise, a flat-rate unlimited rewards credit card can help you earn rewards on every purchase without any categories to remember.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.74% - 20.74% Variable
$0
Good/Excellent

Although the Ink Business Cash℠ Credit Card has a low bonus category cap of just $25,000 per bonus tier, it offers higher rewards rates than many business credit cards. Plus, you’ll earn a fairly large signup bonus and receive an intro-APR offer on new purchases.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

If you’re looking for a cash back card without categories, you’ll be hard-pressed to find one with a better unlimited rate than the Capital One® Spark® Cash for Business. Even better, the card comes with a good-sized signup bonus and the first year’s annual fee is waived.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The Capital One® Spark® Cash Select for Business has a lower rewards rate than its sibling card, but it comes with a range of other perks that may be worth more to some users, including an intro-APR offer for new purchases. Well-qualified applicants can also obtain a lower APR than the Spark® Cash offers.

Best “Travel Rewards” Cards for Businesses

There are likely as many reasons you could need to travel for your business as there are businesses themselves, which can make a travel rewards business credit card a worthwhile addition to your company’s financial plan.

While there are dozens of co-branded business rewards cards for those dedicated to specific airlines or hotel chains, unaligned businesses can often get the most value out of a travel rewards card with flexible points or miles that can be used free of brand restrictions.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 22.49% Variable
$95
Good/Excellent

The Ink Business Preferred℠ Credit Card is easily one of the more popular travel cards for businesses as it not only provides bonus rewards in useful categories — including, you guessed it, travel — but also because the Ultimate Rewards® points it earns can be transferred to a range of airline and travel partners.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The miles you earn with your Capital One® Spark® Miles for Business can be used to cover a number of travel-related expenses, including airfare and hotel stays, free from blackout dates. The card’s annual fee is waived the first year, and its signup bonus is solid.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The annual-fee-free sibling of the Spark® Miles, the Capital One® Spark® Miles Select for Business has a lower rewards rate but also has the potential for a lower APR. The intro-APR offer can also prove lucrative for businesses that need a few months to pay off a large purchase.

Best “Airline Miles” Cards for Businesses

There are many reasons you may be loyal to one airline over another, like the customer service or quality of the aircraft. In some cases, proximity can have a lot to do with how you fly; if only one airline flies out of your local airport, it’s hard not to have a preference.

Whatever your reason for regularly choosing a particular airline, it can be beneficial to pick up a co-branded airline credit card. You’ll not only earn frequent flyer miles on every card purchase, but you can also receive additional branded perks that include free checked bags.

7. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If you regularly travel through American Airlines hubs for business, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® can be a good way to earn perks and miles. Cardholders can earn American Airlines miles on every card purchase, plus a free checked bag and preferred boarding.

 CitiBusiness American Airlines

  • Earn 2X miles per $1 spent in select business categories that include gas stations & communication services
  • Earn 2X miles per $1 spent on American Airlines purchases
  • Pay no annual fee the first year, then $99

It can pay to use your card regularly, as cardholders who spend at least $30,000 a year on their CitiBusiness American Airlines card will receive a Companion Certificate good for one round-trip domestic economy trip.

8. Delta Business Gold Card

The Delta Business Gold Card can be a good way to earn Delta SkyMiles® on every purchase on top of cardholder perks that include free checked bags.

Business Gold Delta SkyMiles® Credit Card from American Express

  • Earn 2X miles per $1 spent on qualifying Delta purchases made with your card
  • Earn 1X mile per $1 on all other purchases
  • Pay no annual fee the first year, then $95

Other benefits of the Delta Business Gold card include priority boarding, 20% in-flight savings credit, and bonus miles on Delta purchases.

9. United MileagePlus Explorer Business Card

The United MileagePlus Explorer Business Card is one of the few co-branded airline credit cards that offer bonus miles for non-airline purchases, providing 2X miles per dollar in multiple useful categories.

United MileagePlus® Explorer Business card

  • Earn 2X miles per $1 at gas stations, restaurants, office supply stores, and on United purchases
  • Earn 1X per $1 on all other purchases
  • Pay no annual fee the first year, then $95

You’ll also receive priority boarding with your United MileagePlus Explorer Business Card, as well as the ability to obtain employee cards at no additional cost.

Best “Hotel Points” Cards for Businesses

For the average tourist, a hotel’s location and amenities can be the most important qualities. For those business travelers stuck in hotel rooms on the regular, different things become important — like soundproof walls.

If you travel enough for business that you’ve developed an affinity for a particular hotel chain, a hotel co-branded credit card can offer an easy way to earn rewards for free stays, as well as unlocking special branded perks and benefits like free room upgrades or elite status.

10. Marriott Bonvoy Business American Express® Card

The Marriott Bonvoy Business American Express® Card is the business credit card for the newly rebranded Marriott Bonvoy program. The card offers 6X Marriott Bonvoy points per dollar at participating properties, plus four points per dollar at U.S. restaurants and gas stations, and on wireless services purchased from U.S. providers.

Marriott Bonvoy Business American Express® Card

  • Earn 6X Marriott Bonvoy points per $1 you spend at eligible Marriott Bonvoy properties
  • Earn 4X in select business & travel categories
  • Pay no annual fee the first year, then $125

Other perks of the card include complimentary Silver Elite status with Marriott Bonvoy, a free annual award night after your account anniversary, and premium in-room wifi service. Plus, receive 15 elite night credits each year and pay no foreign transaction fees.

11. Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card offers a number of perks for cardholders, including Hilton Honors Gold status and free night awards for meeting annual spending requirements.

Hilton Honors American Express Business Card

  • Earn 12X Hilton Honors points per dollar on Hilton purchases made directly with Hilton
  • Earn 6X points on select business and travel purchases
  • Pay $95 annual fee

If you’re seeking Hilton Diamond satus, simply spend $40,000 or more on your card in a single calendar year to enjoy a status upgrade through the end of the next calendar year.

12. Radisson Rewards Business Visa® Card

The Radisson Rewards Business Visa® Card is great for Radisson hotel fans who want to earn free stays quickly. In addition to bonus rewards for Radisson purchases, you’ll receive free Gold elite status.

Radisson Rewards Business Visa® Card

  • Earn 10X points per $1 spent on purchases at eligible Radisson Hotel Group properties
  • Earn 5X points per $1 on all other purchases
  • Pay $60 annual fee

In addition to a large signup bonus of up to 85,000 points when you hit the tiered spending requirement, this card awards you 40,000 bonus points each year you renew and one free night for every year you spend $10,000 or more on your card.

Best “No Annual Fee” Cards for Businesses

Depending on your business’s needs, a credit card with an annual fee can still be worthwhile, such as in cases where your business expenses can easily earn enough credit card rewards to pay for the annual fee (and then some).

Thankfully, a number of solid business rewards cards can be found without annual fees if your business doesn’t make enough purchases to make an annual fee worth paying — or if you simply don’t want to waste revenue on an extra fee.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.74% - 20.74% Variable
$0
Good/Excellent

The Ink Business Cash℠ Credit Card is a good choice for businesses with smaller revenue streams, as it offers a good rewards rate but a low spending cap. And not only does the card have no annual fee, but cardholders can also obtain employee credit cards at no additional cost.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

While its rewards rate is not as robust as that of the regular Spark® Cash card, the Capital One® Spark® Cash Select for Business still provides a good return without the annual fee, offering an unlimited 1.5% cash back and a quality signup bonus.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

Similar to the cash back versions, the Capital One® Spark® Miles Select for Business offers a lower rewards rate for those who don’t want to pay the annual fee of the Capital One® Spark® Miles for Business. Without the fee, you’ll earn 1.5X miles per dollar and a smaller — but still good — signup bonus.

Best “Fair Credit” Cards for Businesses

Establishing a consumer credit profile can be done in just six months, with a single line of credit. And you can even build reasonably good credit after just 12 months of paying your credit accounts on time.

Business credit, unfortunately, is an entirely different beast. It takes multiple credit lines to even establish a business credit score, and it can take years to build up your score.

If your business has yet to build significant credit and your own credit is less than great, finding a business card can be hard. These cards often accept fair credit or better and can be used to build up your business’s credit profile.

BUSINESS CARD RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited

The Capital One® Spark® Classic is designed for businesses starting to build credit, offering flexible requirements and no annual fee. Cardholders will even earn cash back rewards on every purchase.

17. BBVA Secured Visa® Business Credit Card

The BBVA Secured Visa® Business Credit Card is a secured card that requires a deposit of at least $500 to open. Your available credit will be equal to 90% of your deposit amount.

BBVA Secured Visa® Business Credit Card

  • Earn bonus points in categories you select, including office supplies, utilities, and travel
  • Earn 1X point per $1 on all other purchases
  • Pay no annual fee the first year, then $40

In addition to rewards points on every purchase, your BBVA Secured Visa® Business Credit Card will also provide free employee cards, a host of online account services, and special Visa Business benefits.

18. Wells Fargo Business Secured Credit Card

The Wells Fargo Business Secured Credit Card is a secured credit card, so it will require a deposit to open and use. Available credit lines range from $500 to $25,000.

Wells Fargo Business Secured Credit Card

  • Earn 1.5% cash back on every purchase made with your card, redeemable as a statement credit or check
  • Access credit lines from $500 to $25,000
  • Receive up to 10 employee cards

Wells Fargo Business Secured Credit Card users can earn 1.5% cash back on every purchase. Additionally, while the Wells Fargo Business Secured card has a $25 annual fee, you won’t pay any foreign transaction fees.

(The information related to Wells Fargo Business Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

Keep Your Company’s Finances on Track with the Right Card

The larger a business grows, the more difficult it can be to track the potentially thousands of transactions being made each year by dozens or hundreds of corporate cardholders. For the business corporation, corporate credit cards can offer the features and functionality necessary to keep everything on track.

But corporate credit cards aren’t the best fit for every business, nor are corporate cards and business credit cards mutually exclusive items. When used wisely, business credit cards can often offer significant value to businesses of any size.