Best business cards

The 0% FX and 0% auth fees look excellent until you notice the 4% funding fee, which is where the money is made. For agencies loading large sums to buy ads this is straightforward pricing. For everyday spending, 4% to add money is steep.

Kripicard is a financial technology company with offices in Rio de Janeiro and Dover, Delaware, and states that virtual cards are issued by licensed partners in their respective jurisdictions, which it does not name. Cards come as Visa or Mastercard across multiple debit and credit BINs, assigned automatically at issuance, valid five years. There is no limit on how many cards you create. Limits are $25,000 per transaction and per day, and $150,000 monthly.

There is no cashback or rewards programme. Kripicard's pricing is a flat structure instead: $5 issuance plus a $1 processing fee, a 4% funding fee on every top-up, $10 minimum to create a card which becomes your opening balance, $1 minimum top-ups afterwards, and zero monthly, auth and FX fees. Usage rules are strict: chargeback and refund rates must stay below 15%, and high-risk platforms including Steam and Uber are prohibited.

This is treasury tooling rather than a rewards card. The value is paying overseas contractors at interbank rates and issuing controlled cards to a team without setting up foreign entities. There is no cashback and no published pricing, which makes it impossible to compare on cost before signing up.

ARQ Business is the company-facing side of ARQ, built for teams in Mexico, Colombia and Brazil. It provides business account details in the United States and Europe to send and receive USD and EUR as a local company, with all incoming transfers automatically converted into digital dollars or euros. Corporate cards can be issued to staff with per-card spend limits and real-time controls. Bulk payments go to vendors and contractors worldwide. Signup runs through a separate business portal.

There is no cashback on ARQ Business corporate cards, and ARQ publishes no fee schedule for the business account, card issuance or transfers. The stated benefit is the conversion rate: institutional pricing on USDc and EURc against local currency, which one customer testimonial describes as cutting total company expenses by around 2%. Treat that as marketing rather than a published figure. Real costs are only visible once an account is open.

This is the only genuine business banking platform in the comparison, and one of very few cards here issued by an FDIC member bank. The 2% headline belongs to tiers starting at $1 million of spend, so most businesses will earn less. The free plan is the real draw.

Slash Financial, Inc is a San Francisco financial technology company, not a bank. The Slash Platinum Card is a Visa charge card issued by Column N.A., Member FDIC, with the account balance due in full daily. Deposits are FDIC insured through Column and its IntraFi sweep network across 800 banks. Card tiers are Silver at $1 million of spend, Gold at $10 million and Black at $100 million. Stablecoin services come from Bridge Building and Layer2 Financial.

Cashback runs up to 2% on corporate card spending, with tiers unlocked by volume: Silver from $1 million, Gold from $10 million and Black from $100 million. Slash reports over $100 million paid out across its customers. Both the free and $25 monthly Pro plans carry identical card terms, including a 1% foreign transaction fee with a $0.40 minimum and unlimited virtual cards; Pro removes wire and ACH fees rather than improving the card.