6
what are the best corporate credit cards for business you've used recently?
r/Entrepreneur
7/1/2025
SAAS TOOLS
| SaaS | URL | Category | Features/Notes |
|---|---|---|---|
| Ramp | Corporate Credit Card | 1.5% flat cash-back, finance automation, integrates with QuickBooks and Slack, automates receipt tracking | |
| Brex | Corporate Credit Card | 7x points on rides, 4x on flights, but may freeze limits if payment volume dips | |
| Chase Ink Unlimited | Business Credit Card | 1.5% cash back, unique card numbers for each vendor to reduce fraud, reports to personal credit if payment slips | |
| Divvy | Corporate Credit Card | Rewards got nerfed after six months | |
| FairFigure | Credit Building | EIN-only tradeline, thickens business credit file without personal guarantees | |
| Capital One | Conventional Credit Card | Mentioned as conventional option |
USER NEEDS
Pain Points:
- Difficulty in automating expense tracking
- Cash-back rewards leaking due to inefficient processes
- Fraud concerns with business credit cards
- Corporate cards freezing limits unexpectedly (e.g., when payment volume dips)
- Rewards being reduced after initial period (e.g., Divvy)
- Personal credit reporting if business payment slips (e.g., Chase Ink)
Problems to Solve:
- Automating expense tracking and receipt management
- Maximizing cash-back rewards
- Building business credit without personal guarantees
- Preventing fraud in business spending
- Ensuring consistent credit limits despite revenue fluctuations
Potential Solutions:
- Use cards with finance automation features (e.g., Ramp's QuickBooks/Slack integration)
- Push all recurring SaaS and ad charges through one card for better tracking
- Tag vendors in card portal for organization
- Auto-sync transactions into accounting software weekly
- Layer credit-building tools like FairFigure for EIN-only tradelines
- Maintain backup credit lines to handle limit freezes
GROWTH FACTORS
Effective Strategies:
- Automating financial processes to save time (e.g., expense tracking)
- Layering complementary financial tools for credit building and expense management
Marketing & Acquisition:
- Offering attractive rewards (e.g., Brex's 7x on rides, 4x on flights) to attract high-spend customers
- Providing unique security features (e.g., Chase Ink's vendor-specific card numbers) as differentiators
Monetization & Product:
- Flat cash-back rates (e.g., Ramp's 1.5%) as straightforward value proposition
- Integration with popular tools (QuickBooks, Slack) for workflow efficiency
- EIN-only credit building (FairFigure) addressing a specific business need without personal risk
User Engagement:
- Portal features allowing vendor tagging for better organization
- Automated receipt chasing to reduce user friction
- Weekly auto-syncs with accounting software to maintain user habit