Best Enterprise Manager Credit Cards 2025

Karl says: “For enterprise-level spending, the American Express Corporate Platinum Card® offers premium travel access, including over 1,400 airport lounges and elite status with hotel chains, making it ideal for executives. The Ink Business Premier℠ Credit Card earns 2.5% cash back on large purchases, perfect for big expenses, while offering a minimum credit access line of $10,000. The Ramp Corporate Card simplifies expense management with real-time tracking and 1.5% cash back on all purchases, all with no fees or personal liability.”

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The American Express Corporate Platinum Card®

Top Pick:

The American Express Corporate Platinum Card®

Key offer

– Premium Global Travel Access – Includes access to 1,400+ airport lounges, $200 airline fee credit, $199 CLEAR® Plus credit, and TSA PreCheck®/Global Entry reimbursement—ideal for executives and frequent corporate travelers.

– Elite Status & Expense Management – Comes with Marriott Bonvoy and Hilton Honors Gold status, hotel perks, expense tracking tools, and 24/7 concierge support, perfect for managing travel and procurement needs.

Welcome offer

The American Express Corporate Platinum Card® does not include a traditional welcome bonus, such as a points-based reward or statement credit upon approval. Instead, it offers a suite of premium benefits tailored to support business travel and expense management.

Annual fee

The annual fee for the American Express Corporate Platinum Card® varies based on the corporate agreement.

Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.

Enterprise Program Card

Card Rewards

Premium Benefits

– $199 CLEAR® Plus Credit: Receive up to $199 in statement credits per calendar year for CLEAR® Plus Membership when charged to the card.
– Get up to $200 in statement credits annually for incidental fees charged by the selected airline. ​

– Global Lounge Access: Enjoy complimentary access to over 1,400 airport lounges worldwide through the American Express Global Lounge Collection®. ​
– Marriott Bonvoy Gold Elite Status: Benefits include 25% bonus points and room upgrades (subject to availability). ​
American Express
– Hilton Honors Gold Status: Offers perks like complimentary breakfast and space-available room upgrades. ​
– TSA PreCheck®/Global Entry Credit: Receive statement credits for application fees—$120 for Global Entry or up to $85 for TSA PreCheck®. ​
– Fine Hotels & Resorts Program: Access benefits such as daily breakfast for two, guaranteed 4 PM late checkout, and other amenities at over 1,100 luxury properties. ​
– Premium Roadside Assistance: Provides complimentary towing up to 10 miles, battery jump-starts, and flat tire changes up to four times per year. ​

– American Express Concierge Services: 24/7 assistance with travel planning, dining reservations, event tickets, and more.
– No Pre-Set Spending Limit: Offers flexible purchasing power that adjusts based on spending habits, payment history, and other factors. ​
– Employee Cards: Issue additional cards with customizable spending limits and earn rewards on all purchases.

Minimum Qualifications

​To initiate the application process for the American Express Corporate Platinum Card®, please contact an American Express Corporate Specialist directly:​
Phone: 1-855-531-3491​

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Ink Business Premier℠ Credit Card

Top Runner-Up:

Ink Business Premier℠ Credit Card

Key offer

– Earn 2.5% Cash Back on large purchases of $5,000 or more—ideal for big-ticket business expenses like construction, inventory, and equipment. Earn 2% cash back on all other purchases, making it one of the highest earning business cards.

– Receive a minimum starting credit access line of $10,000, offering strong purchasing power right out of the gate.
– Earn $1,000 cash back after spending $10,000 in the first 3 months—an excellent early return to boost your business budget.

Welcome offer

-Earn $1,000 bonus cash back, after spending $10,000 in the first 3 months.

Annual fee

• $195
• No cost for employee cards

The Chase Freedom Flex card is your pathway to financial freedom! Enjoy a fantastic 0% APR on purchases and balance transfers for a generous 15 months, setting the stage for easy money management. Delve into our massive cashback program, offering a delightful 5% cash back on revolving quarterly categories like gas stations and grocery stores up to $1,500 in combined purchases when activated. Plus, recieve a consistent 5% cash back on travel booked through Chase Ultimate Rewards, along with 3% back on dining and drugstore purchases. For all your other spending it’ll be 1% cash back. Designed for smart spenders, this card offers great flexibility and unmatched benefits. Don’t miss out. Apply now and step into a world of intelligent spending and limitless cashback opportunities!

Card Rewards

– 5% cash back on travel purchases made through Chase Travel.
– 2.5% cash back on individual purchases of $5,000 or more.​
– 2% cash back on all other business purchases.​

Premium Benefits

– Flex for Business option – delay paying in full, on select charges with interest.
– Free employee cards with custom limits
– Real-time alerts and expense tracking
– Year-end summaries and 24-month reports
– Integrates with QuickBooks and other accounting platforms

Travel & Purchase Protections
– Primary auto rental coverage (business use)
– Travel & emergency assistance services
– Roadside dispatch (fees apply)
– Purchase protection (120 days, up to $10,000/item)
– Extended warranty (+1 year on warranties of 3 years or less)
– Cell phone protection – Up to $1,000 per claim (3 claims/year, $100 deductible)

Minimum Qualifications

– Excellent credit recommended (typically 720+)
– Subject to Chase 5/24 rule
– Must be a business owner or authorized signer

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Ramp Corporate

Runner-Up:

Ramp Enterprise Card

Key offer

– The Ramp Corporate Card is ideal for businesses seeking efficient expense management, straightforward cash back rewards, and robust financial controls without the burden of fees or personal liability.

– Comprehensive Expense Management: Offers real-time tracking, automated receipt matching, and integrations with accounting software, simplifying financial oversight.
– No Fees and Cash Back Rewards: Provides 1.5% cash back on all purchases with no annual fees, interest charges, or foreign transaction fees.

Welcome offer

Apply and earn $250 upon approval, without any spending requirement

Annual fee

$0 

Best for Spend Management & Cost Control

Card Rewards

1.5% Cash Back on All Purchases: Unlimited cash back on every transaction, automatically applied as a statement credit.

Premium Benefits

You’ll Get Major Expense Management Tools:
– Real-time expense tracking and analytics.
– Automated receipt matching via SMS or email.
– Customizable spending controls and approval workflows.
– Unlimited virtual and physical cards at no extra cost.

– Individual spending limits and merchant category restrictions.
– Seamless integration with accounting software like QuickBooks, Xero, and more.
– No personal guarantee required; does not affect personal credit scores.
– Advanced fraud protection and real-time transaction monitoring.

Minimum Qualifications

– Must be a U.S.-based corporation, limited liability company (LLC), or other registered business entity.
– Minimum bank balance requirements apply (typically around $75,000).
– No personal credit check or personal guarantee required.

Pro Tips

  • Negotiate custom point multipliers for high-volume categories
  • Implement department-specific expense policies
  • Utilize API integration for real-time expense management
  • Set up automated compliance monitoring

Program Infrastructure

We evaluate based on:

  • Global acceptance
  • Payment processing capabilities
  • Technical support infrastructure
  • Implementation resources

Program Setup

  • Define program structure
  • Establish policies
  • Configure systems
  • Train administrators