Best Corporate Cards for Startups

9 Corporate Cards tools ranked for this use case — on sourced, continuously re-verified facts.

1

BILL Spend & Expense

Formerly Divvy — free corporate cards with real-time budgets and expense automation for small and mid-sized businesses.

No Personal Guarantee: Underwritten on business financial health, not a personal guarantee. Starting Monthly Price (USD): $0

Full profile Visit BILL Spend & Expense

2

Brex

AI-powered spend platform — corporate charge cards, bill pay, expense management, and banking, with no personal guarantee.

No Personal Guarantee: Yes Starting Monthly Price (USD): $0

Full profile Visit Brex

3

Mercury

Business banking with the balance-funded IO card — the simplest card add-on if you already bank with Mercury.

No Personal Guarantee: No personal guarantee and no personal credit check Starting Monthly Price (USD): $0

Full profile Visit Mercury

4

Ramp

Finance automation platform — a flat-cash-back charge card with strong controls, AI receipt matching, and bill pay, built to cut spend.

No Personal Guarantee: No personal credit check or personal guarantee Starting Monthly Price (USD): $0

Full profile Visit Ramp

5

Rho

All-in-one finance platform — a corporate charge card with AP, banking, and treasury in one, with no personal guarantee.

No Personal Guarantee: No personal guarantee, personal credit check, or personal credit score pull Starting Monthly Price (USD): $0

Full profile Visit Rho

6

Wise Business

Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.

No Personal Guarantee: Balance-funded debit card; no personal guarantee or credit check Starting Monthly Price (USD): $0

Full profile Visit Wise Business

7

Revolut Business

Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.

No Personal Guarantee: Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds. Starting Monthly Price (USD): $10

Full profile Visit Revolut Business

8

American Express

The incumbent business-card issuer — established Membership Rewards and premium perks across a broad charge and credit lineup.

No Personal Guarantee: Amex business cards require a personal guarantee: the applicant is jointly and severally liable with the company for all charges, and applying involves a personal credit check. Starting Monthly Price (USD): $0

Full profile Visit American Express

9

Capital One Spark

Capital One's small-business card line — simple flat-rate cash-back and miles cards underwritten the traditional way.

No Personal Guarantee: Spark Cash Plus: underwritten on the owner's personal credit (pre-approval checks personal credit; limit adapts to credit profile) Starting Monthly Price (USD): $0

Full profile Visit Capital One Spark

How this list is built. Every Corporate Cards tool here is ranked from verified, first-party facts — no unsourced opinions. Affiliate disclosure: we may earn a commission when you sign up through outbound links here, at no extra cost to you — commissions never influence our data or rankings. Full disclosure.