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

1. Financial Protection
   • No personal liability
   • Business-only credit checks
   • Protected in case of business failure
2. Better Terms
   • Negotiable cashback rates
   • Higher credit limits
   • More flexible payment terms
3. 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.