The top corporate credit cards of 2024 have been revealed.

While corporate credit cards and business credit cards share some similarities, they also have notable differences. Small business cards are typically geared towards smaller businesses or sole proprietorships and necessitate a personal guarantee and credit check. In contrast, corporate cards typically do not require a personal guarantee and instead may have other prerequisites, such as revenue minimums or eligibility restrictions to U.S. registered business entities (LLCs, corporations, etc.).

CNBC Select has compiled a list of the top corporate credit cards, which offer a range of benefits to help business managers manage spending for multiple employees. Our methodology was used to determine the best cards based on various factors.

Best for travel spending

What is Brex? Brex is a fintech company that provides financial services to corporations, including the Brex Card, which offers exceptional returns for various bonus spending categories.

Brex business account members can access the Brex Card, which offers cash management services. Eligible businesses can earn significant rewards in categories such as rideshare, travel, restaurants, and Apple purchases through the Brex rewards portal. The Brex Card is a charge card that must be paid off monthly or daily. If you choose daily payments, your company may receive additional rewards in specific categories.

Best for cash back

If your company wants to earn valuable cash-back rewards, the Ramp Visa® Corporate Card is worth considering.

The Ramp Visa Corporate Card offers an uncapped 1.5% cash back on all purchases, eliminating the need for an annual fee and providing access to a range of partner deals that can help you save money. Ramp members receive discounts with UPS, OpenAI, Stripe, Amazon Web Services, QuickBooks, Indeed, and more. Additionally, you can transfer Ramp rewards to various airline and hotel loyalty programs.

Best for travel perks

The American Express Corporate Platinum Card® offers similar benefits to The Platinum Card® from American Express, but with notable variations.

This card offers travel benefits that will be appreciated by corporate employees on the go, with its airport lounge access being the standout feature. Cardholders can access over 1,400 airport lounges through the American Express Global Lounge Collection, including Amex Centurion lounges, Delta Sky Clubs, Priority Pass lounges (enrollment required), Plaza Premium lounges, Escape lounges, and Lufthansa lounges.

Best for mid-sized corporations

This card is designed for mid-sized corporations, offering flexibility in earning rewards.

Companies can select their own rewards with a U.S. Bank Commercial Rewards Card account. If a company chooses to earn a rebate, it will receive a 1% cash rebate after reaching $150,000 in quarterly spending. With the rewards option, companies can earn 5X points on car rentals, 4X points on lodging, 3X points on airlines, and 1X points on all other purchases.

More on our best corporate credit cards

Brex Card

The Brex Card offers highly advantageous spending categories, which are even more valuable due to the ability to 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

Earning bonus points in select categories can be achieved by choosing daily payments instead of monthly. However, life sciences companies do not receive bonus rewards on software, rideshare, or restaurant purchases. Instead, they receive additional points on lab supplies and life sciences conference tickets.

Brex offers a custom rewards program for companies with 50 or more users who meet minimum spending requirements. To determine if your company qualifies, you must contact Brex.

Learn more about all reward multipliers and options here.

Welcome bonus

In the first 30 days, you can earn 50,000 points by spending $9,000, or 30,000 points by spending $3,500.

Annual fee

$0 (paid plans available)

Notable perks

The Brex Card is a World Elite Mastercard and comes with Mastercard ID Theft Protection, MasterRental Insurance, and the Mastercard Luxury Hotel Program.

The card offers discounts for various software services and business products, including TurboTax, Microsoft 365, QuickBooks, and Salesforce Essentials. Additionally, Brex account holders receive a 5% cashback on Microsoft advertising purchases, up to $10,000 annually per card.

One of the best ways to use Brex points is to transfer points to one of its partner airline loyalty programs, including gift cards, travel, cryptocurrency, cash back, and more.

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

You can transfer points to any cardholder linked to the Brex account.

Ramp Visa® Corporate Card

A financial technology company called Ramp offers 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 provides businesses with various tools to manage and automate their finances, such as bill payments, expense reimbursement, and corporate cards. To become eligible for Ramp, a company must have at least $75,000 in a U.S. business bank account, be registered in the U.S., and have the majority of its operations and spending in the U.S.

The Ramp card's Visa Signature Business benefits include:

• Purchase security
• Travel and emergency assistance services

Business-related products, services, and software are available at discounted prices for ramp users, with some current deals being:

• 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

You can also transfer Ramp rewards to airline and hotel partners at a 1.5:1 ratio, in addition to receiving straight cash back or gift cards.

• 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

Ramp's transfer ratio may not be impressive, but converting cash back to hotel and airline points can increase the value of your rewards. For instance, you can frequently book one-way Star Alliance business-class awards from the U.S. to Europe through Avianca for 63,000 miles (94,500 Ramp points).

The American Express Corporate Platinum Card®

The American Express Corporate Platinum Card® offers cardholders a comprehensive range of travel benefits, including lounge access and elite-status perks.

Rewards

• 1X points on all purchases
• Uber Cash can be earned on both Uber rides and Uber Eats orders with enrollment.

Welcome bonus

None

Annual fee

$550 (see rates and fees)

Notable perks

Individuals with both a personal and corporate American Express card can receive an annual credit of $150, provided that they have the same type of personal and corporate card (e.g. Gold, Platinum, etc.).

Other perks include:

• Up to $189 in CLEAR Plus credit
• Airline selection required for up to $200 in annual fee credit.
• Global Entry or TSA PreCheck application fee credit
• Hilton Honors Gold status (enrollment required)
• Marriott Bonvoy Gold status (enrollment required)
• Roadside assistance
• 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

American Express Platinum cards can be linked to either an individual or a corporate rewards program, but each card can only 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 offers 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.

U.S. Bank Commercial Rewards Card

Corporations with an annual revenue between $10 million and $150 million can apply for the U.S. Bank Commercial Rewards Card.

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

A U.S. Bank Commercial Card account offers more than just rewards for your company. It also includes tools and features to simplify expense management and corporate travel. The card integrates with popular accounting software such as QuickBooks online, NetSuite, Xero, and more. When employees book through the travel platform, it automatically tracks receipts. You can also set card limits or merchant category restrictions to align with company policies.

Bottom line

Best corporate credit cards can help businesses save time and money by offering additional services beyond credit card rewards.

Why trust CNBC Select?

Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each credit card article we publish is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of credit card products. At CNBC Select, we maintain the highest journalistic standards and ethics, and we earn a commission from affiliate partners on many offers and links. However, our content is created independently, without any input from our commercial team or external third parties. To learn more about our methodology and how we select the best corporate credit cards, please refer to our website.

Our methodology

CNBC Select analyzed corporate credit cards based on various features, including rewards, annual fees, welcome bonuses, APR and balance transfer fees, and foreign transaction fees, as well as additional perks, protections, and other features.

We took into account CNBC Select audience data, including demographics and engagement with our content and tools, when possible.

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