Corporate cards and spend management for startups

Last updated 2026-10-17. Prices and terms checked against each linked source on 2026-10-17; vendors change them, so confirm before you buy.

Startup corporate cards are usually charge cards underwritten on your cash balance, bundled with expense software. The first filter is eligibility; then compare the software and plan prices.

Seed: You raised and are hiring: add spend controls, real books, payroll and a forecast.

Tool	What it is	Pricing
Ramp	Corporate cards, expense management, AP and accounting automation.	Free $0/user/month; Plus $15/user/month plus a platform fee based on team size (20% off with annual billing); Enterprise custom.source	Visit
Brex	Corporate cards, spend management and business accounts.	Essentials $0/user/month; Premium $12/user/month; Enterprise custom pricing.source	Visit
Divvy (BILL Spend & Expense)	Corporate cards and budgets with expense management.	Pricing not published on a /pricing page; check site	Visit
Expensify	Expense reports, receipts and corporate card.	See pricing: https://www.expensify.com/pricing	Visit
Pleo	Company cards and expense management for teams.	See pricing: https://www.pleo.io/pricing	Visit

Series A+: Board reporting, audits and multi-entity: tools built for a finance team.

Tool	What it is	Pricing
Center	Expense management and corporate cards.	See pricing: https://getcenter.com/pricing	Visit
Airbase (Paylocity)	Spend management for cards, AP and reimbursements.	See pricing: https://www.airbase.com/pricing	Visit
Spendesk	European spend management with cards and approvals.	See pricing: https://www.spendesk.com/pricing	Visit
Navan	Travel and expense management with corporate cards.	See pricing: https://navan.com/pricing	Visit
Emburse	Travel and expense management.	Pricing not published on a /pricing page; check site	Visit

Order within each stage follows our editorial list and is not affected by payment. Paid placements are labeled Featured.

How to choose

Check the cash-balance minimum before you apply (Ramp: $25,000 linked; Brex monthly-payment card: $50,000 for funded startups).
Look at the paid-plan price per user if you'll need approvals, multi-entity or ERP sync.
Global team? Check local-currency card support.
Confirm the accounting integration with your ledger.

FAQ

What corporate card can a seed startup get?

Ramp lists a $25,000 cash requirement in a linked US business bank account; Brex says funded startups generally need $50,000 for its monthly-payment card, with a daily-payment option below that.

Do startup corporate cards need a personal guarantee?

Ramp says no personal guarantee is required. Check each issuer's terms.

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