Las mejores tarjetas de empresa

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.

Esto es una herramienta de tesorería más que una tarjeta de recompensas. El valor está en pagar a colaboradores en el extranjero a tipos interbancarios y en emitir tarjetas controladas para un equipo sin montar filiales fuera. No hay cashback ni precios publicados, lo que hace imposible compararla por coste antes de registrarse.

ARQ Business es la parte de ARQ orientada a empresas, pensada para equipos en México, Colombia y Brasil. Facilita datos de cuenta empresarial en Estados Unidos y Europa para enviar y recibir USD y EUR como empresa local, con todas las transferencias entrantes convertidas automáticamente en dólares o euros digitales. Se pueden emitir tarjetas corporativas al personal con límites de gasto por tarjeta y controles en tiempo real. Los pagos masivos llegan a proveedores y colaboradores de todo el mundo. El registro se hace en un portal de empresa aparte.

No hay cashback en las tarjetas corporativas de ARQ Business, y ARQ no publica ningún cuadro de comisiones para la cuenta de empresa, la emisión de tarjetas ni las transferencias. El beneficio declarado es el tipo de cambio: precios institucionales de USDc y EURc frente a la moneda local, algo que el testimonio de un cliente describe como una reducción de los gastos totales de la empresa de alrededor del 2%. Tómalo como marketing y no como una cifra publicada. Los costes reales solo se ven una vez abierta la cuenta.

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.