Corporate Cards with Virtual Cards

10 Corporate Cards tools that qualify — compared on sourced, continuously re-verified facts.

Brex

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

Virtual Cards: Yes

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Ramp

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

Virtual Cards: Unlimited physical and virtual cards at no extra cost

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Mercury

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

Virtual Cards: Issue physical or virtual cards to the team; start spending immediately with virtual cards

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Navan

Formerly TripActions — combined travel, expense, and corporate card, tying card spend to booked travel and policy.

Virtual Cards: Unlimited on-demand virtual cards with customizable spend limits; auto-generated per booking

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BILL Spend & Expense

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

Virtual Cards: Unlimited physical and virtual cards with per-card limits/rules.

Full profile Visit BILL Spend & Expense

Rho

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

Virtual Cards: Spin up a virtual card in seconds; physical cards also available

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Revolut Business

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

Virtual Cards: Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.

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Wise Business

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

Virtual Cards: Create digital cards instantly to separate expense types

Full profile Visit Wise Business

Airbase

Mid-market spend management — corporate cards with AP automation, expenses, and procurement; now part of Paylocity.

Virtual Cards: Physical and virtual cards; virtual cards auto-provisioned per vendor/employee with preset limits.

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Capital One Spark

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

Virtual Cards: Free employee and virtual cards

Full profile Visit Capital One Spark

How this list is built. Every Corporate Cards tool here qualifies on a verified, first-party fact — 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.