Best Corporate Credit Cards
Best corporate credit cards are financial tools designed for businesses to streamline expenses, manage employee spending, and earn rewards on company purchases. These cards often offer features like multi-user access, detailed reporting, and integration with accounting software – making them essential for financial control and growth.
- Business expense management
- Tailored for small to large enterprises
- Real-time spend tracking
- Multi-user access with custom limits
- Expense reporting & accounting integration
- Cashback & rewards on business purchases
- International usage support
- Enhanced security and fraud protection
- VAT-friendly invoicing options
- Scalable credit solutions for growing teams
- Best Corporate Credit Cards
Top 10 Best Corporate Credit Cards in 2025 for Smart Business Spending
Payhawk Corporate Car
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 1 |
Payhawk Corporate Card (馃嚙馃嚞/馃嚞馃嚙)
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92
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Go To Site |
Pros
- Excellent for multi-office teams
- ERP integrations save time
- Virtual & physical cards
- Global FX support without extra fees
Cons
- Only available for businesses
- Onboarding may take time
- Pricing not ideal for small teams
- No consumer banking services
About Payhawk Corporate Card
Payhawk, born in Bulgaria and expanded into the UK, is a rising fintech powerhouse offering smart corporate cards built for modern businesses. With native support for multi-currency accounts, ERP integrations, and real-time expense tracking, it empowers finance teams to gain full control of company spending. Whether managing a startup or scaling enterprise, Payhawk removes the friction from reimbursement, reconciliation, and team budgets. Every card can be issued with custom controls, and their unified dashboard puts transparency first. Ideal for companies operating in multiple regions or currencies, Payhawk is redefining the standard for expense management.
Soldo Business Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 1 |
Payhawk Corporate Card (馃嚙馃嚞/馃嚞馃嚙)
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92
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Go To Site |
Pros
- Excellent for multi-office teams
- ERP integrations save time
- Virtual & physical cards
- Global FX support without extra fees
Cons
- Only available for businesses
- Onboarding may take time
- Pricing not ideal for small teams
- No consumer banking services
About Payhawk Corporate Card
Payhawk, born in Bulgaria and expanded into the UK, is a rising fintech powerhouse offering smart corporate cards built for modern businesses. With native support for multi-currency accounts, ERP integrations, and real-time expense tracking, it empowers finance teams to gain full control of company spending. Whether managing a startup or scaling enterprise, Payhawk removes the friction from reimbursement, reconciliation, and team budgets. Every card can be issued with custom controls, and their unified dashboard puts transparency first. Ideal for companies operating in multiple regions or currencies, Payhawk is redefining the standard for expense management.
Pleo Business Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 3 |
Pleo Business Card (馃嚛馃嚢 Denmark)
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88
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Go To Site |
Pros
- Highly intuitive dashboard
- Cards for each team member
- Real-time analytics and spend control
- Integrates with Xero, QuickBooks, and more
Cons
- Requires company verification
- Some advanced tools are premium only
- No cashback rewards
- Limited support outside Europe
About Pleo Business Card
Pleo is a modern expense management platform from Denmark 馃嚛馃嚢 that issues intuitive corporate cards for startups, SMEs, and growing teams across Europe. With both prepaid and credit card options, Pleo simplifies spending with auto-matching receipts, budgeting tools, and complete transparency across departments. Real-time analytics and flexible spending limits ensure your team stays efficient without the chaos of paper receipts. Pleo works seamlessly with leading accounting tools, making reconciliation a breeze. Ideal for agile teams who want to ditch spreadsheets and manage expenses smartly.
Qonto Business Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 4 |
Qonto Business Card 馃嚝馃嚪
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88
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Go To Site |
Pros
- Streamlined for French and EU startups
- Powerful control over user permissions
- Modern UX with great app support
- Integrated expense and team tools
Cons
- Primarily focused on French market
- No physical branches for in-person help
- Pricing tiers may add up for larger teams
- International use limited vs others
About Qonto Business Card
Qonto’s Business Card 馃嚝馃嚪 is built with modern French and European companies in mind – offering sleek team spending tools, premium Mastercards, and deep accounting integrations. Startups and SMEs can delegate cards to employees while staying in control with custom permissions, approval flows, and real-time spending updates. With a digital-first experience, Qonto simplifies financial operations and brings efficiency to daily business banking. Whether you’re managing a small team or scaling rapidly, Qonto helps you stay in charge without friction.
Finom Business Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 5 |
Finom Business Card 馃嚛馃嚜馃嚦馃嚤
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88
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Go To Site |
Pros
- Seamless integration with accounting
- Supports multiple currencies
- Team management features
- Fast payment processing
Cons
- Business verification needed
- Limited physical branch support
- Some advanced features cost extra
- Not ideal for sole proprietors
About Finom Business Card
The Finom Business Card is a modern financial solution tailored for small to medium businesses in Germany and the Netherlands. It streamlines expense management by integrating invoicing and accounting directly into the platform, making bookkeeping a breeze. With multi-currency support and real-time transaction alerts, teams can stay on top of their spending anywhere in Europe. Transparent fees and user-friendly tools make Finom a great choice for startups and growing companies who want full control without surprises.
Monzo Business Debit+Credit
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 6 |
Monzo Business Debit+Credit 馃嚞馃嚙
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85
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Go To Site |
Pros
- Excellent mobile app experience
- Fast and easy account setup
- Good integration with accounting tools
- Flexible credit options
Cons
- Only available for UK businesses
- Limited international transaction features
- Customer support can be slow during peak times
- Credit availability depends on business profile
About Monzo Business Debit+Credit
Monzo Business Debit+Credit offers UK businesses a versatile financial solution with a user-friendly mobile app and both debit and credit card options. Ideal for startups and small companies, Monzo combines easy invoicing and tax features with seamless integration to popular accounting software. Real-time transaction alerts keep business owners in control of their finances, while flexible credit limits help manage cash flow. With transparent fees and rapid account setup, Monzo is a popular choice for digitally savvy entrepreneurs in the UK.
Revolut Business Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 7 |
Revolut Business Card 馃嚞馃嚙馃嚤馃嚬
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87
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Go To Site |
Pros
- Supports multiple currencies with great FX rates
- Easy to use app with advanced spending controls
- Good accounting software integrations
- Physical and virtual cards available
Cons
- Customer support can be inconsistent
- Some fees apply on higher-tier plans
- Not available outside UK and Lithuania
- Occasional account freezing reported
About Revolut Business Card
Revolut Business Card 馃嚞馃嚙馃嚤馃嚬 offers flexible multi-currency accounts designed for businesses operating in the UK and Lithuania. With options for physical and virtual Mastercard cards, it simplifies expense management and team spending controls. Competitive foreign exchange rates, real-time spending notifications, and solid accounting integrations make it a favorite for startups and SMEs aiming for international growth. While customer support varies, Revolut continues to be a strong choice for digital-first business banking in these regions.
N26 Business Smart/Metal
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 8 |
N26 Business Smart/Metal 馃嚛馃嚜
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85
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Go To Site |
Pros
- Easy-to-use mobile app with smart features
- Metal plan offers premium perks and insurance
- Free ATM withdrawals across the Eurozone
- Instant spending notifications and controls
Cons
- Only available to self-employed/freelancers
- Customer support sometimes slow
- Limited physical branch access
- Metal plan pricing higher than basic
About N26 Business Smart/Metal
N26 Business Smart and Metal accounts 馃嚛馃嚜 provide flexible mobile banking solutions tailored for freelancers and self-employed professionals in Germany. The Smart plan offers essential banking features with no monthly fees, while Metal adds premium benefits such as travel insurance and a stylish metal Mastercard. With a clean app interface, real-time notifications, and integration with accounting tools, N26 simplifies managing business finances on the go. While support options are limited to digital channels, N26 remains a popular choice for modern entrepreneurs in Germany.
Airwallex Corporate Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 9 |
Airwallex Corporate Card 馃嚜馃嚭
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87
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Go To Site |
Pros
- Excellent multi-currency support with competitive FX
- Virtual and physical card flexibility
- Strong spend controls & real-time tracking
- Integrates seamlessly with Airwallex platform
Cons
- Focus on EU businesses only
- Requires business verification, can delay setup
- Limited physical branch support
- May not suit very small startups
About Airwallex Corporate Card
Airwallex Corporate Card 馃嚜馃嚭 is designed for European businesses that need flexible, multi-currency payment solutions. The card comes in both virtual and physical Mastercard formats, making it easy to manage business expenses across borders with no foreign transaction fees. It integrates tightly with the broader Airwallex platform, offering powerful spend management tools, real-time tracking, and multi-currency wallets supporting 50+ currencies. While best suited for SMEs and fast-growing startups, the card’s verification process and business eligibility requirements mean it is tailored for established companies looking for scalable financial operations.
Juni Corporate Card
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 10 |
Juni Card 馃嚫馃嚜
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86
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Go To Site |
Pros
- Designed specifically for eCommerce businesses
- Strong integrations with bookkeeping tools
- Flexible physical and virtual card options
- Competitive FX rates and cashback benefits
Cons
- Verification process can be lengthy
- Limited to EU and especially Nordic region
- Focus on eCommerce may not suit other businesses
- Some fees for premium features
About Juni Card
Juni Card 馃嚫馃嚜 is a corporate payment solution tailored specifically for eCommerce businesses in Sweden and the broader EU market. It offers both physical and virtual Mastercard options combined with powerful spend management and bookkeeping integrations that simplify financial operations for online merchants. Juni provides multi-currency support, competitive foreign exchange rates, and cashback offers tailored to business spending. While ideal for eCommerce startups and growing companies, Juni’s service and features are primarily focused on Nordic and EU-based businesses.
Corporate vs. Business Credit Cards: What’s the Difference?
While both corporate and business credit cards are designed for business use, they differ primarily in scale, liability, and eligibility. Business credit cards are typically geared toward small to medium-sized businesses and require a personal guarantee from the owner. Corporate credit cards, on the other hand, are designed for larger organizations with multiple employees and may offer centralized billing, advanced reporting, and corporate liability options.
| Feature | Business Credit Card | Corporate Credit Card |
|---|---|---|
| Target Users | Small to medium-sized businesses | Medium to large companies with multiple employees |
| Approval Requirements | Often requires personal credit check and guarantee | Based on business credit and financial strength |
| Liability | Usually personal or joint liability | Usually corporate liability |
| Employee Card Controls | Basic spending limits | Advanced controls, custom permissions |
| Expense Reporting | Limited or manual options | Automated reporting and analytics tools |
| Billing | Individual billing | Centralized billing for all cards |
| Integration | May support basic accounting tools | Advanced ERP/accounting software integration |
| Annual Fees | Typically lower or none | Higher, but often offset by features |
Key Features to Look for in a Corporate Credit Card
When selecting a corporate credit card, it’s essential to focus on features that support business efficiency, security, and growth. The ideal card should offer spend controls, real-time reporting, and seamless integration with your company’s accounting systems. Look for cards that also provide rewards on business purchases, multi-user access, and strong fraud protection to manage both local and international operations with confidence.
Advanced Spend Controls
Set per-user limits, block specific merchant categories, or restrict usage by location.
Real-Time Expense Tracking
Monitor transactions instantly to prevent overspending and improve budgeting.
Accounting Software Integration
Sync with platforms like Xero, QuickBooks, or SAP for automated reconciliation.
Multi-User Access
Issue physical or virtual cards to employees with role-based permissions and custom limits.
Rewards & Cashback
Earn points or cashback on business purchases like travel, software, or ads.
International Usage Support
Low FX fees and global acceptance with Mastercard or Visa networks.
Centralized Billing
Consolidate all employee charges into a single invoice for easier payment and tracking.
VAT-Compliant Invoicing
Download compliant invoices for expense claims and tax reporting.
Fraud Protection & Security
EMV chips, tokenization, 2FA, and instant card freezing features.
Scalability
Ability to manage hundreds of cards, ideal for growing teams or enterprise-level usage.
Best Corporate Cards for International Businesses
For companies operating across borders, choosing the right corporate card can significantly reduce foreign transaction fees and streamline global spending. The best international business cards offer multi-currency support, real-time FX rates, and wide acceptance through Visa or Mastercard networks.
Additionally, these cards often include tools for managing employee expenses abroad, advanced fraud protection, and automated VAT invoice generation for compliant international accounting. Some providers also offer localized billing or IBANs, making it easier to manage subsidiaries and remote teams worldwide.
Corporate Credit Cards: Your Top Questions Answered
Corporate credit cards are typically issued to large companies with multiple employees and usually carry corporate liability, while business credit cards are designed for small to medium businesses and often require a personal guarantee from the owner.
Corporate credit cards provide tools like spend controls, real-time expense tracking, and centralized billing, helping businesses monitor and control employee spending efficiently.
Yes, many corporate cards offer rewards or cashback tailored for business expenses such as travel, office supplies, and advertising, helping companies save money on everyday purchases.
Corporate credit cards often come with enhanced security such as EMV chips, fraud detection, multi-factor authentication, and the ability to instantly freeze or cancel cards to prevent unauthorized use.
The application process usually requires your business鈥檚 financial information, credit history, and may involve a credit check on the company rather than an individual. Some cards require a minimum annual revenue or number of employees.