8 best corporate credit cards for employees in March 2025
- The best corporate credit cards for employees
- Summary of the best company credit cards for employees
- What is an employee credit card?
- How to choose the best company card for your employees
- How do you qualify for a corporate card?
- Getting a business credit card as an employee
- Ramp: Unlimited physical and virtual corporate cards
As a small business owner or startup, it’s nice to know you can trust your employees to make wise spending decisions on your behalf. That may include spending petty cash on office supplies when necessary, booking a hotel for business travel, or expensing client dinners.
While giving your employees the ability to spend on behalf of your business offers a level of convenience, it also opens the door to headaches. Managing the employee reimbursement process is time-consuming, and spending in multiple areas without automated tracking is an accounting nightmare.
That’s one reason your business may want to transition to company credit cards for your employees. In this article, we review what these credit cards are, why they’re beneficial, and the best business credit cards to consider.
The best corporate credit cards for employees
1. Ramp Corporate Credit Card
Ramp Corporate Credit Card
- Custom vendor and category spending controls
- Automated expense reporting
- Accounting integrations
- Integrated travel management platform
- No annual fees or interest charges
- Comprehensive expense management tools
- Strong cost-saving capabilities
- Requires full balance payments monthly
- Limited to financially strong businesses
The Ramp Corporate Credit Card is a charge card designed to help businesses streamline expense management. It offers cashback on purchases and provides advanced tools for tracking and controlling expenses. Businesses can issue unlimited free physical and virtual employee cards with customizable spending limits, ensuring greater control over employee expenses. With no annual fees or interest charges, Ramp helps businesses save money while improving operational efficiency.
In addition to its spending controls, Ramp offers robust automation features, including receipt matching and expense categorization. The card integrates seamlessly with popular accounting tools, making bookkeeping and reporting more efficient. It also provides analytics to identify cost-saving opportunities, enabling businesses to optimize spending.
Key features:
- Unlimited free physical and virtual employee cards with spending controls
- Cashback rewards on purchases
- Automated expense tracking and cost-saving insights
- Seamless integration with accounting tools
2. Chase Ink Business Cash Credit Card
Chase Ink Business Cash Credit Card
- High rewards for office-related purchases
- Generous welcome bonus
- Introductory APR period
- Rewards capped in bonus categories
- Foreign transaction fees
The Chase Ink Business Cash Credit Card provides significant cashback rewards for businesses with regular expenses in office supplies and telecom services. Cardholders earn 5% cashback on these purchases (up to $25,000 annually) and 2% cashback at gas stations and restaurants. All other purchases earn 1% cashback. Additionally, new users can earn a $900 bonus after spending $6,000 in the first three months.
The card offers a 0% introductory APR for 12 months but includes a 3% foreign transaction fee, making it less suitable for international use. Rewards for bonus categories are capped, which may limit its appeal for high spenders in those areas.
Key features:
- $900 welcome bonus after spending $6,000 in the first 3 months
- 5% cashback on office supplies and telecom (up to $25,000 annually)
- 0% introductory APR for 12 months
- 3% foreign transaction fee
3. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- High rewards in key categories
- No foreign transaction fees
- Statement credit for software subscriptions
- Limited reward categories
- High standard APR
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is ideal for businesses seeking cashback rewards across multiple categories. It offers up to 5% cashback on eligible purchases and a $100 annual statement credit for recurring software subscription expenses. The card includes a 0% introductory APR period, which is helpful for businesses managing large upfront expenses.
While the card offers strong category-specific rewards, not all purchase categories qualify. Additionally, the standard APR after the introductory period is relatively high, ranging from 19.24% to 28.24%.
Key features:
- 5% cashback on eligible purchases
- Annual $100 statement credit for software subscriptions
- 0% introductory APR
- No foreign transaction fees
4. Capital One Spark 2X Miles
Capital One Spark 2X Miles
- Excellent travel rewards
- No foreign transaction fees
- Flexible redemption options
- Annual fee after the first year
- High APR
The Capital One Spark 2X Miles is a travel-focused business card offering unlimited 2 miles per dollar on every purchase. Cardholders earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Additional perks include credits for Global Entry or TSA PreCheck and access to travel partners for mile transfers.
The card has a $95 annual fee after the first year, which is waived for the first 12 months. However, it lacks an introductory APR offer, and the APR is relatively high, making it less appealing for businesses that carry balances.
Key features:
- 2 miles per dollar on all purchases
- 5 miles per dollar on hotels and rental cars through Capital One Travel
- $95 annual fee waived for the first year
- Credits for Global Entry or TSA PreCheck
5. Delta SkyMiles Reserve Business American Express Card
Delta SkyMiles Reserve Business American Express Card
- Strong travel perks for Delta flyers
- High rewards for Delta-related expenses
- No foreign transaction fees
- High annual fee
- Rewards focus primarily on Delta purchases
The Delta SkyMiles Reserve Business American Express Card is tailored for frequent Delta travelers, offering exclusive benefits such as complimentary Sky Club access, priority boarding, and baggage insurance. Cardholders earn 3x miles on Delta purchases and 1.5x miles in specific categories after reaching $150,000 annual spending. A welcome bonus of 110,000 miles is available after spending $6,000 in the first three months.
The card’s annual fee of $650 may deter some users, and the APR ranges from 20.99% to 29.99% (variable), which could be costly for businesses carrying balances. The rewards program is heavily focused on Delta, limiting its appeal to non-Delta travelers.
Key features:
- Complimentary Delta Sky Club access
- 110,000 miles bonus after meeting spending requirements
- 3x miles on Delta purchases
- Priority boarding and baggage insurance
6. Chase Ink Business Premier Credit Card
Chase Ink Business Premier Credit Card
- High spending limits
- Strong cashback rewards
- No foreign transaction fees
- High annual fee
- No introductory APR
The Chase Ink Business Premier Credit Card is a high-spending business card with a $10,000 minimum credit limit. It offers 2% to 2.5% cashback rewards on purchases, making it ideal for businesses with significant expenditures. The card also provides free employee cards with customizable spending limits and includes valuable travel and purchase protections.
The $195 annual fee and lack of an introductory APR may deter some businesses. Additionally, the card’s cashback rate is not category-specific, which may not maximize rewards for businesses with targeted spending.
Key features:
- $10,000 minimum credit limit
- 2% to 2.5% cashback rewards
- Free employee cards with spending controls
- Includes travel and purchase protections
7. BILL Divvy Smart Corporate Card
BILL Divvy Smart Corporate Card
- Customizable spending limits
- Real-time reporting
- Expense categorization
- Inadequate expense management tool integration
- Customer support slow to respond
- Confusing fee structure and hidden charges
The BILL Divvy Smart Corporate Card helps businesses manage employee spending with greater control and automation. It allows business owners to issue virtual and physical cards with customizable spending limits for each employee, ensuring purchases align with company budgets. The real-time expense tracking and automatic categorization within Divvy’s platform integrates with accounting software like QuickBooks and NetSuite (no more manual reconciliation).
For employees, the Divvy card eliminates the hassle of out-of-pocket expenses and reimbursement delays.
Key features:
- Customizable spending limits with individual budgets for employees
- Real-time expense tracking
- Syncs with QuickBooks, NetSuite, and more
8. Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America Business Advantage Travel Rewards World Mastercard
- No annual fee
- Simple earnings: Get 1.5 points per dollar on all purchases
- Potential to boost earnings as a Bank of America customer with qualifying accounts
- No bonus categories
- Does not include lounge access or travel credits
The Bank of America Business Advantage Travel Rewards World Mastercard Credit Card provides a straightforward travel rewards program suited for businesses looking for simplicity. It offers consistent earning rates on all purchases, including travel, with the flexibility to redeem points through the Bank of America Travel Center.
While it doesn’t include elite status perks or lounge access found in premium cards, its strong rewards structure and lack of an annual fee make it a practical choice for businesses focused on maximizing value without added costs.
Key features:
- No annual fee
- Rewards are earned on all business expenses, not just travel
- Points can be redeemed for travel expenses through the Bank of America Travel Center
Summary of the best company credit cards for employees
Card comparison
- Corporate card and spend management platform
- Unlimited employee cards with custom spending limits
- Cashback rewards on purchases
- Offers an average savings of 5% by identifying cost-saving opportunities
- Assists with software price negiotations
Annual Fee
$0
APR
N/A
Chase Ink Business Cash Credit Card- Offers a $900 bonus after spending $6,000 in the first 3 months
- Provides 5% cash back on office supplies and telecom services (up to $25,000 annually)
- 2% back at gas stations and restaurants (up to $25,000 annually)
- 1% on all other purchases
- Offers 0% intro APR for 12 months
- 3% foreign transaction fees
Net Savings
N/A
APR
18.49% (variable)
Fees
No annual fee
Personal Guarantee
Required
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®- Offers between 1% to 5% cashback on eligible purchases
- Not all purchase categories qualify for rewards
- Comes with an introductory 0% APR period followed by a high variable APR
- Annual $100 statement credit for recurring software subscription expenses
Annual Fee
$0
APR
19.24%–28.24%
Capital One Spark 2X Miles- Business credit card tailored for travel expenses
- Spending requirement of $4,500 in the first three months to qualify for its welcome bonus
- Annual fee of $95, which is waived only for the first year
- Credit for Global Entry/TSA PreCheck
- Rental car coverage and airport lounge access
- Option to transfer miles to different airline and hotel partners
Net Savings
$95
APR
25.99% (variable)
Delta SkyMiles Reserve Business American Express Card- Designed for frequent business travelers who prefer flying with Delta Airlines
- Offers travel perks specifically for Delta, including Medallion Qualification Miles
- 3x miles on Delta purchases and 1.5x miles in specific categories after $150,000 annual spend
- Includes a 110,000 bonus miles offer after spending $6,000 in the first 3 months
- Complimentary Delta Sky Club access, priority boarding, and baggage insurance
Annual Fee
$650
APR
20.99%–29.99%
Chase Ink Business Premier Credit Card- Business credit card with travel and purchase protections
- Card comes with a $10,000 minimum credit limit, with the opportunity to raise it
- 2% to 2.5% cashback rewards on purchases
- Free employee cards with custom spending limits
Annual Fee
$195
APR
19.49%–27.49%
BILL Divvy Smart Corporate Card- Issue multiple virtual or physical cards
- Transactions are automatically categorized and synced with accounting software.
- No annual fee
- Pay balances in full or choose structured repayment options
- Businesses qualify based on financial health rather than employee credit scores
Annual Fee
$0
APR
N/A
Bank of America Business Advantage Travel Rewards World Mastercard - Unlimited 1.5x points back on purchases
- 0% intro APR for the first nine billing cycles
- Travel and emergency services
- Balance Connect for overdraft protection
- Earn up to 75% more rewards on every purchase if you have a business checking account with Bank of America and qualify for the Business Platinum Honors tier
- Free access to your business credit score
Annual Fee
$0
APR
18.24-28.24% (variable)
What is an employee credit card?
Employee Credit Card
An employee credit card is an authorized payment card your employees can use to make business purchases. The card draws from your company’s bank account or line of credit, so employees don’t need to use their personal funds for business expenses.
Employee credit cards can help eliminate the need for reimbursements and make it easier to track business transactions. Some business credit cards, like corporate cards, include other features like custom spending limits and vendor restrictions. These cards also come with expense management features that allow you to automate expense reporting and tracking.
How to choose the best company card for your employees
There are plenty of benefits of business credit cards. Here’s what you should look for when you choose a new company card:
- Unlimited cards: Look for options that offer free unlimited physical and virtual cards for authorized users. Some providers charge fees for each additional card.
- Spending controls: Some cards allow you to create employee spending limits and vendor or expense category restrictions. These limits can reduce your business expenses by ensuring cardholders follow your company’s spending policy.
- Real-time tracking: Some providers let you track spending on corporate credit cards in real time. This means you always have an accurate view of how your actual spend is tracking against projected budgets.
- Additional perks: Many business credit cards come with extra perks, like travel benefits, cashback, or rewards points. These perks help you get the most bang for your buck as you spend to grow your business.
Do companies give employees credit cards?
Yes, companies may issue corporate credit cards to employees who need to make business-related purchases, such as travel, client meals, or office supplies.
How do you qualify for a corporate card?
To qualify for a corporate credit card, you’ll need to have a registered business with an EIN number. Depending on the credit card issuer, your business credit score may or may not be taken into account. If it isn’t, you’ll need to be generating substantial annual revenue. In some cases, you may have to put up a personal guarantee, making you as the business owner personally liable for any outstanding debts.
With Ramp, we don’t ask for a personal guarantee or check your credit score. Our requirements to apply are as follows:
- Be a registered business in the United States
- Be a corporation, limited liability company, or LP (including nonprofits). We’re not currently accepting individuals, sole proprietors, or unregistered businesses.
- Have at least $25,000 in cash in any US business bank account attached to your application
- Have most of your operations and corporate spend in the US
If you run an ecommerce business, you may also qualify for a higher credit limit compared to other cards with Ramp’s sales-based underwriting.
Getting a business credit card as an employee
Getting a company credit card as an employee isn’t the same as getting a personal credit card. To get an employee credit card, your company needs to issue it to you directly. Your eligibility for a corporate card usually depends on your role, responsibilities, or other criteria based on your company’s expense policy. With employee credit cards, companies usually set a spend limit at the employee, card, or department level to control spending and effectively manage expenses.
Do all employees get corporate cards?
Not all employees receive corporate cards; eligibility depends on the company's policies, job role, and expense needs. Typically, only employees who travel frequently or incur business-related expenses are issued a corporate card.
Ramp: Unlimited physical and virtual corporate cards
A corporate card should do more than just let your employees spend to a specific limit. That’s where Ramp comes in.
Ramp’s corporate cards help you streamline your cash flow and automate expense management:
- Automated receipt matching: With Ramp, the days of matching receipts to expense reports are behind you. Employees can submit receipts via mobile app the instant they make a purchase. Ramp matches those receipts to your expense reports for seamless accounting.
- Pay bills in seconds: You can pay vendors via card, ACH, or check. When you’re done, let Ramp streamline your accounting process by automatically categorizing expenses and syncing them with your accounting software.
- Close books faster: Ramp’s automatic expense categorization and accounting integrations help businesses close their books eight days faster on average.
- Real-time expense tracking: Track every expense you have in real time. You can even analyze spending by department, location, merchant, and more.
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