The Ultimate Guide to Credit Cards
Friday, April 19, 2024

5 Best Corporate Credit Cards (April 2024)

Corporate Credit Cards
Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer
Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewed by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Advertiser Disclosure

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. Keep reading to see our picks for some of the best corporate credit cards out there, including cards for large corporations and cards that specialize in great perks like cash back and travel rewards.

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

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.

  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
18.49% - 24.49% 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

★★★★★
4.7

OVERALL RATING

  • Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 24.49% (Variable)
$0
Excellent

The card comes with a range of perks that may be worth more to some users, particularly businesses that travel. Well-qualified applicants can also obtain a lower APR than competing offers and a sizable signup bonus with no annual fee.

Blue Business Cash™ Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

4.7/5.0
  • Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your card within the first 6 months of Card Membership.
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • Buy above your credit limit with Expanded Buying Power. Make business purchases over your credit limit with no penalty or enrollments, and still earn cash back on those purchases. Terms apply.
  • 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies
  • Get an approval decision in as little as 30 seconds
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
17.74% - 25.74% Variable
$0
Good/Excellent

If you’re looking for a cash back card without categories, you’ll be hard-pressed to find one with a better flat rate than the Blue Business Cash™ Card. Even better, the card comes with a modest signup bonus and charges no annual fee.

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

★★★★★
4.6

OVERALL RATING

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • 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
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.24%-26.24% 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 rewards points it earns can be transferred to a range of airline and travel partners.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from 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
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.24% (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 Platinum Card® from American Express Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
  • Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
  • Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 1,000,000 points back per calendar year
  • $695 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% - 26.74% Pay Over Time
$695
Excellent

The Business Platinum Card® from American Express is a premium card offering with the best of travel benefits, including lounge access, travel insurance, and higher rewards rates on select travel and business purchases.

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.

CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® Review

at the issuer'ssecure website

AIR MILES RATING

★★★★
4.3

OVERALL RATING

4.3/5.0
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending 4,000 within 4 months of account opening
  • Earn 2X miles for every $1 spent on American Airlines purchases and at cable and internet providers, gas stations, select telecommunications merchants, and car rental services — all other purchases earn 1X points
  • First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions
  • 25% savings on American Airlines inflight WiFi, food, and beverage purchases when you use your card
  • Earn an American Airlines Companion Certificate for domestic travel after $30,000 in purchases each card membership year and card membership is renewed. Fees apply.
  • $0 intro annual fee, then $99
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.49% - 29.49% (Variable)
$99, waived first 12 months
Excellent, Good

Additional Disclosure: (The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

If you regularly travel through American Airlines hubs for business, the CitiBusiness® / AAdvantage® Platinum Select® World Elite 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.

Cardholders who meet a minimum annual spending requirement using their CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® may be eligible for additional gifts from the credit card issuer. It pays to use some cards regularly — and responsibly!

Delta SkyMiles® Platinum Business Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new card in your first 3 months of card membership
  • With Status Boost®, get closer to Medallion® Status by earning 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2 times per year
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and purchases made directly with hotels
  • Earn 1.5 Miles on single eligible purchases over $5,000, up to 50,000 additional miles per calendar year, and 1 Mile on every eligible dollar spent on purchases
  • You can check your first bag for free and save up to $60 on a round-trip Delta flight, plus enjoy early boarding on Delta flights
  • Enjoy early boarding on Delta flights as a benefit of card membership. You can board your flight when Main Cabin 1 priority boarding is called so you can find room for your carry-on bag and settle into your seat sooner.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.24% - 29.24% variable
$250
N/A

The Delta SkyMiles® Platinum Business Card can be a good way to earn Delta SkyMiles® on every purchase on top of cardholder perks that include free checked bags. Other benefits of this card include priority boarding, 20% in-flight savings credit, and bonus miles on Delta purchases.

BUSINESS CARD RATING

★★★★
4.4

OVERALL RATING

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.99% - 28.99% Variable
$99
Good/Excellent

The United℠ Business Card is one of the few co-branded airline credit cards that offer bonus miles for non-airline purchases, providing 2 miles per $1 spent in multiple useful categories. You’ll also receive priority boarding with your card, as well as the ability to obtain employee cards at no additional cost.

Best “Hotel Rewards” 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.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from 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
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

The Capital One Spark Miles for Business offers 5X miles on hotels you book through Capital One Travel, and you can instantly redeem your miles to cover your purchase in your Capital One account.

If you have to fly to your hotel’s destination, this card will reimburse the cost of TSA PreCheck or Global Entry fees to help you breeze through airport security.

11. Marriott Bonvoy Business® Credit Card

The Marriott Bonvoy Business® Credit Card is the business credit card for the 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 Credit Card

  • Earn 6X Marriott Bonvoy points per $1 you spend at eligible Marriott Bonvoy properties
  • Earn 4X in select business & travel categories
  • Pay $125 annual fee

Other perks of the card include complimentary Gold 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.

12. 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.

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.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
18.49% - 24.49% Variable
$0
Good/Excellent

The Ink Business Unlimited® Credit Card offers a large signup bonus, unlimited cash back rewards, and charges no annual fee. It’s not just the best card with no annual fee — we rate it as our best overall business credit card, too. We appreciate the low APR for applicants with top credit scores and 0% promotional APR.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

  • Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 24.49% (Variable)
$0
Excellent

While its rewards rate is not as robust as others, the Capital One Spark Cash Select for Excellent Credit still provides a good return without the annual fee. Check back often, as the issuer routinely offers juicy signup bonuses for new cardholder applicants.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
18.49% - 24.49% 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.

Keep Your Business 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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.