The Core Difference

Regular business cards require personal guarantees - if your business fails, you're on the hook personally. Corporate cards work differently: they run purely on your business credentials.

Qualification Requirements

Your business needs:

2+ years operating history
$1M-$5M annual revenue
$50K minimum in business accounts
Strong business financials

Market Leaders and Their Requirements

Wex

The industry heavyweight.

Revenue threshold: $5M+
Annual fee: None
Target market: Enterprise-level operations
Used by: WebJet, Uplift, Expedia
Strength: Market reputation

Divvy

The flexible option.

Revenue threshold: More flexible than others
Annual fee: None
Standout features:
- QuickBooks integration
- Strong restaurant/hotel rewards
- Smart employee card controls
- Bank account based approval
Best for: Growing businesses needing flexibility

Corpay

The control-focused option.

Revenue needed: $1M+
Annual fee: None
Key features:
- Custom spending limits
- Category restrictions
- Real-time notifications
- Negotiable cashback rates
Best for: Companies needing tight expense control

Ramp

The tech-forward choice.

Revenue requirement: $1M+
Account minimum: $50K
Spending requirement: $10K monthly
Base cashback: 1.5% (negotiable up to 2%+)
Features:
- Real-time expense categorization
- Automated receipt collection
- Advanced control settings
- Built-in expense management

Strategic Advantages

Financial Protection
- No personal liability
- Business-only credit checks
- Protected in case of business failure
Better Terms
- Negotiable cashback rates
- Higher credit limits
- More flexible payment terms
Business Tools
- Expense management software
- Employee card controls
- Accounting integrations
- Real-time spending oversight

Bottom Line

Corporate cards offer serious advantages for established businesses. They remove personal risk while providing better terms and tools. But they're not for everyone - you need solid business financials to qualify.

Choose based on:

Your revenue level
Required features
Cash management needs
Employee card requirements
Integration needs

Remember: These aren't startup cards. They're designed for established businesses ready to separate personal and business credit completely.

Heading 1

Heading 2

Heading 3

Heading 4

Heading 5

Heading 6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.