Apply with your EIN. No personal guarantee, no personal credit check, no annual fee. Earn up to 2% cashback with Rho Platinum (terms apply), on up to $1M in eligible card spend per calendar year; 1.25% standard (terms apply).
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
What you get with a Rho Corporate Card
¹ Cashback is earned on card spend, up to $1,000,000 in eligible spend per calendar year across all tiers (terms apply). Standard rate (terms apply) is 1.25% on Daily Terms and 1% on Monthly Terms. Rho Platinum requires routing payroll and revenue through Rho, holding the majority of company assets at Rho, and an open Rho Corporate Card.
- 01
Apply with your EIN
Provide your EIN and formation documents. No personal guarantee and no personal credit check are required.
- 02
Get approved
Underwriting reviews your business financials, not a personal credit report.
- 03
Choose your terms
Start on Daily Terms right away, or move to Monthly Terms once you hold $25,000 at Rho (or $75,000 combined with linked accounts), subject to underwriting.
- 04
Issue cards
Add physical, virtual, and vendor cards for your team.
No Annual Fee. No Personal Guarantee.
- Physical, virtual, and vendor cards for your team
- Up to 2% cashback with Rho Platinum (terms apply); 1.25% standard (terms apply), on up to $1M in eligible card spend per calendar year
- No personal guarantee, no personal credit check
- Daily or Monthly repayment terms, your choice
- No annual fee, subscription fee, or per-card fee
- Issued on the Mastercard World Elite Business network
Every Rho Corporate Card starts on Daily Terms at 1.25% cashback on card spend (terms apply). Rho Platinum raises that to up to 2% (terms apply). Monthly Terms earns 1% standard (terms apply) or up to 1.75% with Platinum (terms apply). Cashback is capped at $1,000,000 in eligible spend per calendar year, across all tiers.
No personal guarantee
Get approved on your company's financials, not your personal credit, with no personal guarantee and no personal credit check required.
Physical, virtual, and vendor cards
Issue physical, virtual, and vendor cards to your team, each carrying the same underwriting and terms: no personal guarantee and no personal credit check.
Cashback that adds up
Earn cashback on every swipe: up to 2% with Rho Platinum (terms apply), 1.25% standard on Daily Terms (terms apply), with no annual fee, subscription fee, or per-card fee.
| Rho | |
|---|---|
| Cashback rate | Real cash, not points, no category restrictions, with your rate set by Daily or Monthly Terms: up to 2% with Rho Platinum (terms apply); 1.25% standard (terms apply), on card spend |
| Repayment terms | Daily Terms or Monthly Terms, your choice; cashback rate depends on which you select |
| Personal guarantee | Not required. No personal guarantee, no consumer credit report, no personal credit score pull |
| Annual and card fees | $0. No annual fee, subscription fee, or per-card fee |
| Rho | Brex | Ramp | Mercury | |
|---|---|---|---|---|
| Cashback rate | Real cash, not points, no category restrictions, with your rate set by Daily or Monthly Terms: up to 2% with Rho Platinum (terms apply); 1.25% standard (terms apply), on card spend | Category multipliers, not cash back: 7x rideshare, 4x Brex travel, 3x restaurants, 2x software, 1x everything else | No published cashback rate; a footnoted "5% savings" figure is an illustrative spend-savings estimate, not a cashback rate | 1.5% cashback on card spend, flat, no higher tier |
| Repayment terms | Daily Terms or Monthly Terms, your choice; cashback rate depends on which you select | Daily payments require over $500K in annual revenue, or a funded-startup path; monthly payments require higher revenue thresholds for mid-market and enterprise | Not published on ramp.com as of this writing | New or lower-balance customers start on daily repayment; accounts can switch to 30-day terms once balances reach $15,000 |
| Personal guarantee | Not required. No personal guarantee, no consumer credit report, no personal credit score pull | Not required. Underwriting is based on business financials; the card does not check or report to personal bureaus | Not required. Eligibility is based on business financials | Not required. No credit check during sign-up, so personal credit score is not affected |
| Annual and card fees | $0. No annual fee, subscription fee, or per-card fee | Included on the $0/user/month Essentials plan. Unlimited global cards, accepted in 210+ countries | No annual or per-card fee stated. Unlimited physical and virtual cards across the Free, Plus, and Enterprise tiers | $0 annual fee on IO cards |
Competitive data collected from Brex, Ramp, and Mercury websites as of 2026-09-08, and may change. Cashback requires Rho Platinum status where noted and is earned on card spend, up to $1,000,000 in eligible spend per calendar year across all tiers (terms apply).
A corporate card is a payment card issued directly to a business, tied to the company's financials rather than a founder's personal credit history.
Here's what that means on Rho: it's issued on the Mastercard World Elite Business network, with no personal guarantee and no personal credit check required to apply. It comes in physical, virtual, and vendor card forms, so a team can issue cards to employees or specific vendors without sharing one account number.
- Payment card issued to a business, tied to the company's financials
- Issued on the Mastercard World Elite Business network
- No personal guarantee and no personal credit check required to apply
- Available as physical, virtual, and vendor cards
A corporate card like Rho's is a charge card: the full statement balance is paid on time each period, rather than carried at an interest rate. A typical small-business credit card is a revolving line that can carry a balance month to month, and many still require a personal guarantee.
If your team needs revolving credit you carry over time, a traditional business credit card may fit. If you want cards issued to the business with no personal guarantee and no personal credit pull, a corporate card is the more direct fit.
- Balance: paid in full each period on Rho, vs. can be carried month to month on a revolving credit card
- Personal guarantee: not required on Rho, vs. often required on a revolving business credit card
- Issued to: the business on Rho, vs. often the business but backed by the owner elsewhere
Cashback is earned on card spend, and the rate depends on your terms and your Platinum status. On Daily Terms, standard is 1.25% (terms apply) and Rho Platinum is up to 2% (terms apply). On Monthly Terms, standard is 1% (terms apply) and Rho Platinum is up to 1.75% (terms apply).
One cap and one deadline to know: cashback is capped at $1,000,000 in eligible spend per calendar year, across all tiers, and earned cashback must be redeemed within 12 months or it is forfeited.
- Daily Terms: 1.25% standard (terms apply); up to 2% with Rho Platinum (terms apply)
- Monthly Terms: 1% standard (terms apply); up to 1.75% with Rho Platinum (terms apply)
- Cashback is capped at $1,000,000 in eligible spend per calendar year, across all tiers
- Earned cashback must be redeemed within 12 months or it is forfeited
Your business needs to be incorporated in the US with an EIN. Every account starts on Daily Terms, and you can apply with formation documents in place of a personal credit report.
From there, Monthly Terms opens up once you hold $25,000 at Rho, or $75,000 combined across Rho and linked external accounts (personal accounts don't count), subject to underwriting approval. You can only be on one program at a time. Because there's no personal guarantee and no personal credit pull, approval is based on the business, not the founder's personal credit score.
- Business must be incorporated in the US with an EIN
- Every account starts on Daily Terms; formation documents replace a personal credit report
- Monthly Terms opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting
- No personal guarantee and no personal credit pull; approval is based on the business
Apply with your EIN. No personal guarantee, no personal credit check, and no annual fee.
Frequently asked questions
Corporate cards are payment cards issued to a company rather than a person, underwritten on the business's financials and managed centrally by its finance team. The Rho Corporate Card is a Mastercard World Elite Business card issued by Webster Bank, a division of Santander Bank, N.A., Member FDIC, with no annual fee and up to 2% cashback with Rho Platinum (terms apply).
Yes, Rho is a full financial platform that includes business checking, savings with up to $75M in FDIC coverage, treasury management, AP automation, and expense management, all with no monthly software fee.
Your business must be incorporated in the US and have an EIN. There's no personal guarantee and no personal credit check, so approval is based on your business, not your personal credit. Daily Terms is the default; Monthly Terms requires $25,000 held at Rho, or $75,000 combined across Rho and linked external accounts, subject to underwriting approval.
A startup needs to be incorporated in the US with an EIN to apply for a Rho Corporate Card. There's no personal guarantee and no personal credit check, so a founder without personal or business credit history can still qualify. It's built as a startup credit card alternative: underwriting looks at the business, not the founder's personal credit.
Yes. LLCs, C-corps, and other US-incorporated entities can apply for a Rho Corporate Card with an EIN and formation documents. There's no personal guarantee and no personal credit check required to apply.
The Rho Corporate Card has no annual fee, no subscription fee, and no per-card fee. It's issued on the Mastercard World Elite Business network at no cost to open or maintain.
Not with Rho. Applying for a Rho Corporate Card does not require a personal guarantee or a personal credit report, so it does not affect your personal credit score.
Yes. A Rho Corporate Card application uses your business EIN and formation documents rather than a personal credit check. Underwriting is based on your business financials, not your personal credit history.
A corporate card like Rho's is issued to a business rather than a person, and it's a charge card: the full statement balance is paid on time each period rather than carried at an interest rate. A typical personal credit card is issued to an individual and can carry a revolving balance.
Apply online with your business EIN and formation documents. No personal guarantee or personal credit check is required. Once approved, the Rho Corporate Card is issued by Webster Bank, a division of Santander Bank, N.A., Member FDIC, pursuant to a license from Mastercard.
A Rho Corporate Card earns up to 2% cashback with Rho Platinum (terms apply), on up to $1,000,000 in eligible card spend per calendar year; 1.25% standard (terms apply). It comes with no personal guarantee, no annual fee, and physical, virtual, and vendor cards for your team.
Not incorporated yet? Get a Delaware C-corp and EIN through Rho's incorporation flow, then apply for a Rho Corporate Card once your EIN is issued.
Yes. You can apply for a Rho Corporate Card at any time, whether or not you currently use Brex, Ramp, or Mercury. There is no personal guarantee or personal credit check to apply, and approval is based on your business, not your existing card program.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC. The Rho Corporate Card is issued by Webster Bank, a division of Santander Bank, N.A., Member FDIC, pursuant to a license from Mastercard. Rho Platinum cashback is up to 2% on Daily Terms and up to 1.75% on Monthly Terms (terms apply). Standard cashback (terms apply) is 1.25% on Daily Terms and 1% on Monthly Terms. Cashback is earned on card spend, up to $1,000,000 in eligible spend per calendar year across all tiers, issued as a statement credit, requires payment of the full statement balance on time, must be redeemed within 12 months of earning, and excludes certain categories including Walmart and affiliates, utilities, money transfers and quasi-cash, and non-US transactions. A late fee of 3% of the delinquent payment balance per month may apply for up to six months, unless prohibited by law. Late payment forfeits rewards. Competitive data collected from Brex, Ramp, and Mercury websites as of 2026-09-08, and may change. Product claims current as of September 2026. Facts verified as of 2026-09-08.