No personal guarantee, no personal credit report, and up to 2% Cashback with Rho Platinum on card spend (terms apply).
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC.
What you get with a Rho Corporate Card
¹ Cashback rate depends on Daily or Monthly Terms. Full statement balance must be paid on time, or Cashback is forfeited. Daily Terms: up to 1.25% Cashback on card spend (terms apply); up to 2% Cashback with Rho Platinum on card spend (terms apply). Monthly Terms: up to 1% Cashback on card spend (terms apply); up to 1.75% Cashback with Rho Platinum on card spend (terms apply). Rho Platinum Cashback applies on up to $1,000,000 in eligible card spend per calendar year.
Rho's corporate card has no personal guarantee and offers up to 2% Cashback with Rho Platinum on up to $1M in eligible annual card spend (terms apply). Rho offers Mastercard World Elite Business cards to US-incorporated businesses with an EIN, with no annual fee, subscription fee, or per-card fee, and no personal guarantee. Virtual and physical Rho cards can be added to Apple Wallet or Google Wallet.
Cashback depends on your terms. On Daily Terms, standard Cashback is up to 1.25% and Rho Platinum is up to 2% on card spend (terms apply), on up to $1M in eligible annual card spend. On Monthly Terms, standard Cashback is up to 1% and Rho Platinum is up to 1.75% on card spend (terms apply), on up to $1M in eligible annual card spend. Monthly Terms is by application and opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting. The comparison table below shows how Rho lines up against Brex, Ramp, and Mercury.
- 01
Gather your documents
You need your EIN and formation documents.
- 02
Apply online
Apply with your EIN and formation documents.
- 03
Get approved
Rho does not run a hard or soft check on your credit score when you apply.
- 04
Issue cards and set controls
Issue physical and virtual cards to your team, manage card controls from the Rho mobile app, and start earning Cashback on card spend.
No annual fee. Ever.
- No personal guarantee or personal credit check
- Up to 2% Cashback with Rho Platinum on card spend (terms apply)
- Physical and virtual cards for your team
- Spend controls
- Daily or Monthly Terms, your choice
- Monthly Terms opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting
Rho Platinum is a status, not a separate product, with no fee and no application. It applies when payroll is funded from Rho, revenue is deposited via Rho, 50% or more of company assets are held at Rho, and the company has an open Rho Corporate Card. Talk to your Rho team to confirm your status.
No personal guarantee
No personal guarantee or personal credit report is required to apply, and Rho will not conduct a hard or soft check on your credit score when you apply for credit with Rho.
Spending controls on every card
Rho supports spending limits on physical and virtual cards, set per card, with additional controls like merchant restrictions and permitted spending categories.
Real-time spend alerts
Rho sends real-time notifications for card transactions, and can connect to Slack to deliver real-time alerts on money movement, including inflows, outflows, and card activity, in your channels.
Rho Corporate Cards support card controls, which your team can manage from the Rho mobile app. Team cards and Vendor Cards can both be created and managed from the Rho mobile app, where cards can also be locked or unlocked.
Rho has native integrations with QuickBooks Online, NetSuite, Sage Intacct, and Puzzle. Rho also supports bank feed connections to Xero and QuickBooks Online. In the Rho app, your team can code transactions with accounting attributes.
Rho Corporate Cards work with Rho's expense management, which is free, with no user or platform usage fees. In the Rho mobile app, your team can upload receipts with OCR, code transactions for accounting, and review expenses for approval.
| Rho | |
|---|---|
| Cashback rate | Cashback, not points (some categories excluded, terms apply): up to 2% with Rho Platinum (terms apply); up to 1.25% standard (terms apply), on card spend |
| Minimum balance to qualify | Monthly Terms opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting |
| Personal guarantee | Not required |
| Repayment terms | Daily or Monthly Terms, your choice |
| Annual and card fees | $0. No annual fee, subscription fee, or per-card fee |
| Rho | Brex | Ramp | Mercury | |
|---|---|---|---|---|
| Cashback rate | Cashback, not points (some categories excluded, terms apply): up to 2% with Rho Platinum (terms apply); up to 1.25% standard (terms apply), on card spend | Category-multiplier points: 7x on rideshare, 4x on Brex prepaid travel, 3x on restaurants, 2x on software, 1x on everything else | No published Cashback rate; "up to 5% savings" is an illustrative estimate, not a guarantee | Unlimited 1.5% Cashback on all spend, flat |
| Minimum balance to qualify | Monthly Terms opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting | $50,000 cash balance if funded, or revenue thresholds for daily and monthly payments | None published | None stated; credit limit is balance-based |
| Personal guarantee | Not required | Not required | Not required | Not required |
| Repayment terms | Daily or Monthly Terms, your choice | Daily payments require over $500K/yr revenue; monthly payments require over $400K/mo for mid-market and enterprise | 30-day payback | Daily repayment until balances reach $15K, then 30-day terms |
| Annual and card fees | $0. No annual fee, subscription fee, or per-card fee | $0 per user per month; no separate card fee | No annual fee; Plus plan has a platform fee based on team size | No annual or interest fees |
A corporate credit card is issued directly to a company rather than an individual employee, with the business, not the employee, liable for repayment. Rho issues corporate credit cards with no personal guarantee and no personal credit report required to apply. The business settles the balance on Daily or Monthly Terms, the customer's choice.
A corporate charge card must be paid in full each cycle, with no revolving balance. A corporate purchasing card, or P-card, is scoped to vendor and procurement spend, sometimes called a procurement card in larger purchasing workflows. Rho's corporate credit card settles on Daily or Monthly Terms.
The terms overlap, but "business credit card" more often refers to a card issued to a small-business owner personally, sometimes with a personal guarantee attached. "Corporate card" typically implies company-level underwriting instead. Rho's corporate credit card is underwritten on the business, with no personal guarantee and no personal credit report pull required.
Start with eligibility: does the issuer require a minimum cash balance, revenue, or a personal guarantee. Then compare the real Cashback mechanics, not just the headline rate: is it cash or points, and what spend counts. Rho's corporate card requires no personal guarantee, and pays up to 2% Cashback with Rho Platinum on card spend (terms apply).
No personal guarantee, no annual fee, and up to 2% Cashback with Rho Platinum on card spend (terms apply).
Frequently asked questions
A corporate card is a credit or charge card issued to a company rather than an individual, with the business responsible for repayment. Rho issues corporate credit cards with no personal guarantee required.
Yes. Rho's corporate credit card requires US incorporation and an EIN. Monthly Terms opens at $25,000 held at Rho, or $75,000 combined with linked external accounts, subject to underwriting.
No. Rho does not require a personal guarantee, a consumer credit report, or a personal credit score pull to open a corporate card.
Rho Cards do not require a personal guarantee. Rho will not conduct a hard or soft check on your credit score when you apply for credit with Rho.
No. Rho charges no annual fee, subscription fee, or per-card fee on its corporate credit card.
Rho Platinum applies when payroll is funded from Rho, revenue is deposited via Rho, 50% or more of company assets are held at Rho, and the company has an open Rho Corporate Card. Talk to your Rho team to confirm your status.
Daily Terms earn up to 1.25% standard Cashback (terms apply), or up to 2% with Rho Platinum (terms apply), on card spend. Monthly Terms earn up to 1% standard Cashback (terms apply), or up to 1.75% with Rho Platinum (terms apply), on card spend.
Category exclusions, including Walmart and affiliates, utilities, and money-transfer or quasi-cash merchants, apply regardless of terms.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC.
Rho supports spending limits on physical and virtual cards, set per card, with additional controls like merchant restrictions and permitted spending categories. Category exclusions, including Walmart and affiliates, utilities, and money-transfer or quasi-cash merchants, apply regardless of Daily or Monthly Terms.
Rho issues physical and virtual cards to your whole team, with no personal guarantee or personal credit report required for any cardholder, and up to 2% Cashback with Rho Platinum on card spend (terms apply) across the company.
Yes. Rho sends real-time notifications for card transactions. In-person purchases trigger an SMS at the time of purchase, and online purchases trigger an email when a receipt is required for that transaction. You can also turn on push, email, or SMS notifications per card in Card Settings > Notifications. If your team uses Slack, Rho can connect to Slack to deliver real-time alerts on money movement, including inflows, outflows, and card activity, in your channels.
Rho's corporate card has no personal guarantee and offers up to 2% Cashback with Rho Platinum on up to $1M in eligible annual card spend (terms apply). Rho offers Mastercard World Elite Business cards to US-incorporated businesses with an EIN, with no annual fee, subscription fee, or per-card fee.
Rho has a native integration with QuickBooks Online, and also supports a bank feed connection to QuickBooks Online. Rho has native integrations with NetSuite, QuickBooks Online, Sage Intacct, and Puzzle, and supports a bank feed connection to Xero.
Rho supports a bank feed connection to Xero. Rho also has native integrations with NetSuite, QuickBooks Online, Sage Intacct, and Puzzle.
No. Rho's expense management is free, with no user or platform usage fees. In the Rho mobile app, your team can upload receipts with OCR, code transactions for accounting, and review expenses for approval.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC. Funds held at Lead Bank are eligible for FDIC pass-through deposit insurance up to $250,000 per depositor, per FDIC-insured bank, per account ownership category, subject to applicable conditions. Coverage is shared across all of your deposits at Lead Bank in the same ownership category; amounts above the applicable limit, and funds that are not deposits at Lead Bank, are not covered. The Rho Corporate Cards are issued by Lead Bank, Member FDIC, and by Webster Bank, a division of Santander Bank, N.A., Member FDIC, as applicable, pursuant to a license from Mastercard and subject to approval. See the Card Terms and Reward Program Terms and Conditions. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and is subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or any other third party. Up to 2% cashback; terms and conditions apply. See eligibility and complete Rho Cashback Rewards Program terms and conditions at rho.co/policies/cashback-rewards. Up to 1.25% Cashback on card spend with Daily Terms and up to 1% Cashback with Monthly Terms (terms apply). Cashback rates, terms, and eligibility are subject to change at our sole discretion. Please refer to the full Rewards Terms for details. Competitive data collected from Brex, Ramp, and Mercury websites as of October 4, 2026, and may change. Any third-party links are provided for informational purposes only. The third-party sites and content are not endorsed or controlled by Rho.