Here are the best corporate credit cards of 2024

Corporate credit cards are similar to business credit cards but have a few key differences. Small business cards are typically designed for smaller businesses or sole proprietorships and usually require a personal guarantee and personal credit check. However, corporate cards typically don’t require a personal guarantee and instead often have other requirements such as revenue minimums or are only available to U.S. registered business entities (LLCs, corporations, etc.).

Corporate cards are designed to help business managers seamlessly manage spending for a large number of employees and some offer rewards as well. Below, CNBC Select details the best corporate cards with a range of benefits. (See our methodology for information on how we chose the best corporate credit cards).

Who’s this for? Brex is a fintech company that offers financial services to corporations, including the Brex Card, which offers an exceptional return for many different bonus spending categories.

Standout benefits: The Brex Card is available to Brex business account members (a cash management account). Eligible businesses can earn generous rewards in useful bonus categories like rideshare, Brex travel, restaurants, eligible Apple purchases through the Brex rewards portal, recurring software and additional categories depending on your primary industry. The Brex Card is a charge card that must be paid off monthly or daily. If you opt for daily payments, your company may earn additional rewards in certain categories.

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Who’s this for? The Ramp Visa® Corporate Card is worth considering if your company wants to earn straightforward, yet valuable cash-back rewards.

Standout benefits: The Ramp Visa Corporate Card can boost your company’s bottom line with an uncapped 1.5% cash back on all purchases. This card has no annual fee and a long list of partner deals which can save you even more money. Ramp members enjoy discounts with UPS, OpenAI, Stripe, Amazon Web Services, QuickBooks, Indeed and more. You can even transfer Ramp rewards to various airline and hotel loyalty programs.

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Who’s this for? The U.S. Bank Commercial Rewards Card provides mid-sized corporations flexibility in how they earn rewards.

Standout benefits: With a U.S. Bank Commercial Rewards Card account, companies can choose what type of rewards they earn. If your company opts for earning a rebate, it will earn a 1% cash rebate after hitting $150,000 in quarterly spending. With the rewards option, the company earns 5X points on car rentals, 4X points on lodging, 3X points on airlines and 1X points on all other purchases.

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The Brex Card has extremely generous spending categories, which are even more valuable than they appear because you can transfer Brex points to partner travel programs.

Rewards

Brex Exclusive rewards (monthly payments):

• 7X points on rideshare
• 4X points on Brex travel rewards
• 3X points at restaurants
• 3X points on eligible Apple purchases through the Brex rewards portal
• 2X points on recurring software
• 1X points on all other purchases

By opting for daily payments (instead of monthly) you can earn an additional 1X points in select categories. Life sciences companies don’t earn bonus rewards on software, rideshare or restaurant purchases. Instead, they earn additional points on lab supplies and life sciences conference tickets.

Brex also has a custom rewards program that’s available to companies with 50 or more Brex users who also will meet minimum spending requirements. You’ll have to speak with Brex to see if your company qualifies.

Learn more about all reward multipliers and options here.

Welcome bonus

Earn 30,000 points after spending $3,500, or 50,000 points after spending $9,000 in the first 30 days.

Annual fee

$0 (paid plans available)

Notable perks

The Brex Card is a World Elite Mastercard® and includes Mastercard ID Theft Protection (activation required), MasterRental Insurance (rental car damage and theft coverage) and Mastercard Luxury Hotel Program (free daily breakfast for two guests, room upgrades when available, etc.).

The card also unlocks discounts for a long list of software services and business products such as TurboTax, Microsoft 365, QuickBooks® and Salesforce Essentials. Brex account holders also receive 5% back on Microsoft advertising purchases on up to $10,000 in annual spending per card.

You can use Brex rewards for a long list of redemptions including, gift cards, travel, cryptocurrency, cash back and more. One of the best ways to use Brex points is to transfer points to one of its partner airline loyalty programs, including:

• Air France/KLM (Flying Blue)
• Singapore Airlines KrisFlyer
• Emirates Skywards
• Avianca LifeMiles
• Aeromexico Club Premier
• Qantas Frequent Flyer
• Cathay Pacific Asia Miles

You are allowed to transfer points to any cardholder associated with the Brex account.

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Ramp is a financial technology company that issues the Ramp Visa® Corporate Card and provides expense management and other services to U.S.-based corporations.

Rewards

• 1.5% cash back on all purchases

Welcome bonus

Earn a $250 bonus after account approval.

Annual fee

$0 (paid subscriptions available)

Notable perks

Ramp is a fintech company that offers businesses a variety of tools to manage and automate their finances, including bill payments, expense reimbursement and corporate cards. To qualify for Ramp your company will need at least $75,000 in a U.S. business bank account, be a business registered in the U.S. and the majority of your operations and spending should be in the U.S.

The Ramp card’s Visa Signature Business benefits include:

Ramp users have access to a massive amount of deals and discounts on business-related products, services and software. Some of these deals include (at the time of writing):

• QuickBooks discounts
• Up to $5,000 in Amazon Web Services credits
• Up to $2,500 in OpenAI credits
• UPS discounts
• 50% off Amazon Business Prime
• And many more

In addition to straight cash back or gift cards, you can transfer Ramp rewards to airline and hotel partners at a 1.5:1 ratio, including:

• AeroMexico Rewards
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Executive Club
• Etihad Guest
• Marriott Bonvoy
• Qantas Frequent Flyer
• Qatar Airways Privilege Club
• TAP Air Portugal Miles&Go
• Wyndham Rewards

While Ramp’s transfer ratio isn’t great, having the option to convert your cash back to hotel and airline points can help you increase the value of your rewards. For example, you can often book one-way Star Alliance business-class awards from the U.S. to Europe through Avianca for 63,000 miles (94,500 Ramp points).

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The American Express Corporate Platinum Card^® provides cardholders with a robust list of travel perks such as lounge access and elite-status benefits.

Rewards

• 1X points on all purchases
• 5% Uber Cash on Uber rides and Uber Eats orders (enrollment required)

Welcome bonus

None

Annual fee

$550 (see rates and fees)

Notable perks

Employees with a personal Amex card, in addition to an Amex corporate card, can qualify for a Personal Card Annual Credit. To be eligible for the credit you must have the same type of personal and corporate card (i.e. Gold, Platinum, etc.). Cardholders with both a personal and corporate Platinum card receive an annual statement credit of $150.

Other perks include:

• Up to $189 in CLEAR Plus credit
• Up to $200 in airline fee credit per calendar year (airline selection required)
• Cell phone protection
• Global Entry or TSA PreCheck application fee credit
• Hilton Honors Gold status (enrollment required)
• Marriott Bonvoy Gold status (enrollment required)
• Roadside assistance
• Trip delay insurance
• Trip cancellation and interruption insurance
• Baggage insurance
• Global Assist Hotline
• The American Express Global Lounge Collection (enrollment required)
• Fine Hotels and Resorts program
• Rental car status perks

Corporate Amex Platinum cards can be linked to either an individual or a corporate rewards program, each card can be enrolled in one program at a time. With the corporate rewards program, designated account administrators can manage and redeem rewards. American Express’ corporate rewards program allows redemptions for gift cards, statement credits, travel and merchandise. As an employee, you may be able to link your corporate card to an existing individual Membership Rewards account and redeem the rewards as you like. However, not all Amex corporate cards are eligible for enrollment in an individual rewards account, so you’ll need to contact your program administrator to find out your options.

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The U.S. Bank Commercial Rewards Card is available to corporations with an annual revenue between $10 million and $150 million.

Rewards

A company can choose how it earns rewards:

• 1% rebate after spending at least $150,000 in quarterly spending

Or earn:

• 5X points on car rentals
• 4X points on lodging
• 3X points on airlines
• 1X points on all other purchases

Welcome bonus

None

Annual fee

$0

Notable perks

With a U.S. Bank Commercial Card account, your company will have access to more than just the ability to earn rewards. This card also has several tools and features designed to simplify expense management and corporate travel. It offers integration with popular accounting software, including QuickBooks online, NetSuite, Xero and more. When employees book through the travel platform it automatically tracks the receipts. You can also set card limits or merchant category restrictions to align with company policies.

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Corporate credit cards are designed for larger businesses and often offer additional services beyond just credit card rewards. If your company is at the point where managing small business credit cards is becoming tedious, the features offered by the best corporate credit cards may be able to save you time and money.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best corporate credit cards.

To determine which credit cards are best for corporations, CNBC Select analyzed corporate cards based on a range of features. We compared rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks, protections and other features available to corporations. 

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

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