The corporate card with a built-in back office

Corporate cards are designed to help businesses manage their spending. Think of them as business credit cards equipped with a built-in back office, allowing you to issue cards to employees, implement granular spending controls, and automate expense reconciliation. Unlike traditional business credit cards, Rippling’s corporate cards don't require personal credit checks or guarantees, making them accessible to a wider range of companies, from small business and startups to enterprise companies.

While both business cards and corporate cards serve the purpose of facilitating business purchases, there are key distinctions. Traditional business cards are often tied to the business owner's personal credit and may offer less sophisticated spend management features. Corporate cards like Rippling's provide advanced spending controls, detailed expense reports, and often integrate with accounting systems to simplify reconciliation.

Implementing a corporate card program helps support your business needs by giving you unparalleled visibility and control over business spend, allowing you to set budgets, enforce customizable policies, and monitor transactions in real-time—helping prevent unauthorized spending and ensure compliant spending. A corporate card like Rippling’s can streamline everything from card issuance and revocation to expense reports and general ledger reconciliation, saving your finance team valuable time and resources.

Rippling Corporate Card is available to registered legal entities with the exception of sole proprietorships. Businesses must have an Employer Identification Number (EIN) and cannot operate in a restricted industry. Meeting these eligibility requirements does not guarantee that your application for a Corporate Card will be approved or that credit of any particular limit will be extended to you.

Rippling Corporate Card currently offers daily, weekly, bi-weekly and monthly payment terms depending on the risk profile of your business. At the end of your payment term, your Corporate Card expenses are consolidated into one payment that is deducted automatically from your linked bank account. You do have the ability to pay off your balance prior to the end of the term.

Rippling Corporate Card does not require a personal credit score check and your credit score will not be affected. Unlike personal credit cards, Rippling corporate cards focus on your business's financial standing. Rippling Corporate Card does not require a personal guarantee.

Rippling offers credit limits based on the size and health of your business, as determined by the company’s financial information and bank statement balances. As part of its process, Rippling evaluates a company’s available cash, spending patterns and history with Rippling amongst other factors to dynamically determine a credit limit for your business. Companies can appeal for a larger credit limit than initially offered, and may be required to include additional information for Rippling to make a decision to grant the request.

Rippling Corporate Card does not charge any annual fees or interest on your card for transactions denominated in U.S. Dollars placed with merchants in the United States. Transactions denominated in foreign currencies and/or placed with merchants abroad are subject to fees charged by Rippling or its partners and vendors, as detailed in the Corporate Card Program Terms .