Melhores cartões empresariais

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.

Isso é ferramenta de tesouraria, não cartão de recompensas. O valor está em pagar prestadores no exterior a taxas interbancárias e emitir cartões controlados para um time sem abrir empresas fora do país. Não há cashback nem preços publicados, o que torna impossível comparar custos antes de se cadastrar.

O ARQ Business é o lado empresarial da ARQ, feito para times no México, na Colômbia e no Brasil. Ele fornece dados de conta empresarial nos Estados Unidos e na Europa para enviar e receber USD e EUR como empresa local, com todas as transferências recebidas convertidas automaticamente em dólares ou euros digitais. Cartões corporativos podem ser emitidos para funcionários, com limites de gasto por cartão e controles em tempo real. Os pagamentos em lote vão para fornecedores e prestadores no mundo todo. O cadastro é feito por um portal empresarial separado.

Não há cashback nos cartões corporativos do ARQ Business, e a ARQ não publica nenhuma tabela de tarifas para a conta empresarial, a emissão de cartões ou as transferências. O benefício apontado é a taxa de conversão: preços institucionais em USDc e EURc contra a moeda local, que um depoimento de cliente descreve como uma redução de cerca de 2% nas despesas totais da empresa. Trate isso como marketing, não como um número publicado. Os custos reais só aparecem depois que a conta está aberta.

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.