Credit Cards

• Annual Fee – $95 ($0 intro for the first year)
• APR – 20.99% variable
• Welcome Offer – Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Unique Selling Point:
Get unlimited 2X miles on every purchase with your business credit card with no blackouts or seat restrictions and no minimum to redeem.

Who is this card for:
If you run a business that values travel rewards, makes purchases across a broad range of categories, and don’t mind a moderate annual fee, it’s hard to go wrong with the Capital One Spark Miles credit card. Getting unlimited 2% miles on all purchases allows you to maximize travel rewards without having to spend time and effort thinking about rotating reward categories, or time-limited bonuses. While Capital One started off as an old-school brick-and-mortar bank, they have long focused on a digital-first approach to banking which can is why we’ve included them in our list. Capital One strikes a good balance between the established name-recognition and customer support of old-school brick-and-mortar banks, and the digital offerings of newer, online-only neobanks.

Bonus Points:
– Add employee cards for free and earn rewards from their purchases
– Receive up to $100 credit for Global Entry or TSA Pre
– Earn 5X miles on hotel and rental car bookings through Capital One Travel
– Pay zero foreign transaction fees on purchases made outside of the United States

Fintech Pros :
– With the Capital One app, you can manage your Capital One credit cards, debit cards and bank accounts all in one place. You can also track your credit score, freeze/unfreeze your card and get a detailed breakdown of all of your transactions including push notification alerts for added security.

Fintech Cons:
– Capital One doesn’t offer virtual cards.

• Annual Fee – $95 ($0 intro for the first year)
• APR – 20.99% variable
• Welcome Offer – Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening

Unique Selling Point:
Earn unlimited 2% cash back on every purchase, every day.

Who is this card for:
If you run a business that doesn’t really need travel rewards, makes purchases across a broad range of categories, and don’t mind a moderate annual fee, it’s hard to go wrong with the Capital One Spark Cash credit card. Getting unlimited 2% cash back on all purchases allows you to maximize value and margins without having to spend time and effort thinking about rotating reward categories, or time-limited bonuses. While Capital One started off as an old-school brick-and-mortar bank, they have long focused on a digital-first approach to banking which can is why we’ve included them in our list. Capital One strikes a good balance between the established name-recognition and customer support of old-school brick-and-mortar banks, and the digital offerings of newer, online-only neobanks.

Bonus Points:
– Add employee cards for free and earn rewards from their purchases.

Fintech Pros :
– With the Capital One app, you can manage your Capital One credit cards, debit cards and bank accounts all in one place. You can also track your credit score, freeze/unfreeze your card and get a detailed breakdown of all of your transactions including push notification alerts for added security.

Fintech Cons:
– Capital One doesn’t offer virtual cards.

• Annual Fee – $0 (Although there is a charge of $5-9 per Expensify user depending on features)
• APR – N/A (This is a charge card only and you cannot carry a balance)
• Welcome Offer – None

Unique Selling Point:
When you use the Expensify Card, for the majority of purchases the transaction will automatically be logged in the Expensify app where you’ll get an eReceipt you can use for tax returns.

Who is this card for:
For businesses that already use Expensify for expense management, the Expensify card is a free addition which allows for seamless integration within your existing ecosystem. While daily reconciliation means that there is effectively no credit capacity (this is a charge card where the balance is due every day), this does allow for expense problems to be resolved every quickly and efficiently, and may appeal to business owners and managers who want to stay on top of things, and don’t want any surprises at the end of the month. For business new to expense management and corporate cards, or those looking for a change, the 

Bonus points:
– $5,000 Amazon Web Services (AWS) credit
– $1,000 credit on Snapchat Advertising
– $5,000 in fee-free processing from Stripe
– $436 Zendesk credit per month for your first year
– 50% off QuickBooks for 12 months

Fintech pros:
– For those already using Expensify, the simple integration of this card with your existing payments will likely be very appealing.
– Adding the Expensify Cards to your Expensify account allows seamless integration with the apps and extensions on available through Expensify. Easily integrate your new corporate card with major accounting and payments platforms as well as receipt integrations with various travel providers, ride sharing services, food delivery services, point-of-sale systems, and more.

Fintech cons:
– None

• Annual Fee – $0
• APR – N/A (This is a charge card only and you cannot carry a balance)
• Welcome Offer – None

Unique Selling Point:
As an expense-management software platform first, Divvy stands out among other business credit cards in it’s capabilities on the back end, and it’s automatic expense categorization and tracking. 

Who is this card for:
This card is aimed primarily at businesses that require multiple credit cards for different staff members, and need a solution that is focused on expense tracking and management. It is not a credit card in the traditional sense, but rather a charge card where the balance is automatically taken out of of your Divvy balance at a specified date each month (Divvy does however offer access to credit separately). As a software company first, Divvy will likely appeal to companies who spend a lot of time on expense management, consolidating receipts and validating data, and want a simple, clear solution to manage all of their expense data in one place and have a direct integration with their existing accounting platform.

Bonus points:
– Divvy Bill Pay allows pay all your bills and invoices right from the Divvy platform, without needing additional software.
– Divvy is a completely free solution, allowing advanced, enterprise-level expense management with no sign up costs, ongoing fees or costs per user.

Fintech Pros :
– As a software-first company, Divvy’s intuitive app includes features such as managing virtual cards, instant categorization of transactions, and push notifications to help employees with spending limits and expense management on-the-fly.
– A live transaction dashboard allows all transactions to be seen in real-time as they flow into your central management dashboard.

Fintech Cons:
– None

• Annual Fee – $0
• APR – N/A (This is a charge card only and you cannot carry a balance)
• Welcome Offer – None

Unique Selling Point:
2% cash back on your top 2 spending categories every month.

Who is this card for:
This card is aimed primarily at larger businesses and corporations. It is not a credit card in the traditional sense, but rather a charge card where the balance is automatically taken out of of your Stripe balance at a specified date each month. Stripe does however offer access to credit separately. This card will likely appeal to more digital-focused and online businesses, who need a way of managing multiple corporate cards for expenses, while benefiting from cash back and seamless integration with Stripe’s ecosystem, which allows integration with many 3rd party service providers through it’s Stripe Partners apps and extensions.

Bonus points:
– $5,000 Amazon Web Services (AWS) credit
– Three months Shopify basic subscription
– $150 Google Ads credit
– $436 Zendesk credit per month for your first year
– 50% cash back on up to $5,000 for Notion
– 50% off for six months for Expensify

Fintech Pros :
– For those already ingrained within the Stripe ecosystem, the simple integration of this card with your existing payments will likely be very appealing.
– Adding the Stripe Corporate Card to your Stripe account allows seamless integration with the apps and extensions on Stripe’s marketplace. Easily integrate your new corporate card with major accounting, marketing and customer service platforms.

Fintech Cons:
– None

• Annual Fee – $0
• APR – N/A (This is a charge card only and you cannot carry a balance)
• Welcome Offer – None

Unique Selling Point:
Dynamic rewards and cash back categories depending on your company size, stage and industry.

Who is this card for:
Brex cards are aimed primarily at medium to large sized companies, or smaller companies that generate significant revenue or have received sizeable amounts of equity investment.

Bonus Points:
– Credit limits up to 75% of your projected monthly sales, up to $5m.
– Discounts and credits for a wide variety of software platforms including Salesforce, Zendesk, AWS, DropBox and more.

Fintech Pros :
– Upon approval, Brex customers get instant online access to virtual cards as well as Apple Pay, Google Pay, and Samsung Pay.
– Seamless integration with many ERPs, expense and accounting software including NetSuite, QuickBooks, Expensify and Xero.
– Instant receipt capture and matching using the Brex app on your mobile device.

Fintech Cons:
– None