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Rho Platinum is Rho's top tier for businesses that run their finances through Rho. It isn't a paid plan — there's no subscription fee. You qualify by consolidating your financial operations on Rho. What do I get with Rho Platinum? Up to 2% Cashback with Rho Platinum (terms apply) — Rho's highest Cashback rate on the Rho Card with Daily Terms, plus elevated rates on Monthly Terms. The 2% rate applies to your first $1 million in eligible spend per calendar year, the standard limit. Spending more than $1M a year? Talk to sales and we'll build your program. See the current Rewards Terms for the full rate schedule and conditions. How do I qualify? Rho Platinum requires all four of the following: Payroll runs from Rho — Rho is your central account for payroll. Revenue lands in Rho — your business revenue is deposited into Rho Checking. Most of your assets are at Rho — 50% or more of your company's assets are held at Rho. An active Rho Corporate Card — you have an open Rho Corporate Card. When does the higher Cashback rate apply? Once your account meets all four qualifications. Cashback requires paying your full statement balance on time — see Understanding Card Cashback for how and when Cashback pays out. Do I lose Platinum if I stop qualifying? Platinum status reflects your current setup. If your account no longer meets the qualifications, your Cashback rate returns to the standard rate. How do I check my status or get help qualifying? Contact your account team or reach support 24/7 — phone, chat, or email. We'll tell you exactly which qualifications you're missing.

Rho Capital is a revolving working-capital credit line built into your Rho account. Draw funds when you need them, repay on your schedule, and reuse the line as it replenishes. How does it work? Revolving: your available line replenishes as you pay down your balance. Flexible repayment: terms up to 180 days per draw. Fast funding: approved funds typically land in your Rho account within about 48 hours of application. Cash-flow underwriting: Rho evaluates your real business transaction data — built for businesses with lumpy revenue or a thin credit file that traditional credit scoring under-serves. What can I use it for? Any gap between paying for growth and getting paid: inventory purchases, supplier payments, payroll bridges, or marketing spend. What does it cost? There are no origination fees and no prepayment penalties. Applying doesn't involve a hard pull on your personal credit. Rates are set during underwriting based on your business — see your offer for exact terms. Is this a merchant cash advance? No. Rho Capital is a credit line — there are no daily withdrawals and no cut of your revenue. Does Rho offer venture debt? Rho's financing product is the working-capital credit line described here. If you're comparing options, Rho Capital is revolving credit against your business cash flow — not a term loan or venture-debt facility. How do I apply? Apply from your Rho dashboard at rho.co/product/capital . Lines are available up to $5M+, subject to underwriting. Business-purpose loans made by Lead Bank and subject to credit approval. Application and consent to obtain personal credit report is required. Subject to minimum revenue and business requirements. Personal Guaranty may be required. Fees vary based on risk assessment and loan term.

Every Rho account includes three kinds of extras — no points schemes, no paid tiers: Cashback on card spend Earn Cashback on eligible purchases with your Rho Cards, credited to your Rho Rewards checking account. How and when it pays out depends on your card terms — see Understanding Card Cashback . Partner Perks Exclusive offers from Rho's partners, built into your dashboard. Admins and Account Owners can browse them under Partner Perks in the main sidebar — see Accessing Partner Perks in Your Rho Account . The Rewards Marketplace Over $1M in negotiated deals on tools your business already uses — from Carta to QuickBooks. Access it at rho.co/rewards — see Rho's Rewards Marketplace . Questions about any perk or offer? Contact partnerships@rho.co, or reach support 24/7 by phone, chat, or email.

Rho can incorporate your company for you — a Delaware C-corp, filed on your behalf, with every formation document reviewed and approved by a licensed attorney. Most founders finish the flow in about 5 minutes, and roughly 80% of filings complete within 24 hours. What does incorporation with Rho include? Delaware certificate of incorporation, filed for you Your EIN application (Form SS-4) submitted to the IRS Attorney review and approval of every formation document Registered-agent service, included for the first year What does it cost? Incorporation requires a $400 fee, which is credited back once you deposit $10,000 of new money into your Rho checking account and keep your daily average balance $10,000 above where it started for the 60 days after you incorporate ($1,000 for founders introduced through an accelerator). If Rho becomes your bank, incorporation is effectively free. What are the requirements? At least one U.S.-based owner or officer A physical U.S. operating address Delaware C-corps only — other entity types and states aren't supported yet Can I open a Rho account before I have an EIN? Yes. Rho supports pre-EIN onboarding, so you can start banking while your EIN application is in progress. International founders without a U.S. SSN or TIN are supported too — expect a longer EIN timeline from the IRS. When do I get my documents? Rho files your Delaware certificate first, then submits your EIN application. About 80% of filings complete within 24 hours; the EIN follows on the IRS's timeline.

Log in to Rho at https://app.rho.co on the web, or through the Rho mobile app. If you can't get in, the fixes below cover passwords, two-factor authentication (2FA), and Google SSO — and 24/7 support can help if you're still locked out. Where do I log in to Rho? Use the official web address, https://app.rho.co , and bookmark it. Always verify you're on a rho.co domain before entering credentials — see How to Spot Phishing Scams for the red flags. You can also log in from the Rho mobile app, available on the App Store and Google Play — see How to Install the Rho Mobile App . What if I forgot my password? Two paths get your password reset: Email Rho support. Send a request to clientservice@rho.co. Ask your admin. Admins and Account Owners can reset a team member's password directly. From the Users tab, they click the team member, click Reset Password , then Continue . You'll receive an email with reset instructions. Complete the reset on the web. The Rho mobile app does not support the password-reset flow, so set your new password at app.rho.co. How does two-factor authentication work at login? Rho requires 2FA every time you log in. You can use: Google Authenticator — recommended Authy — recommended SMS — the least secure method; an authenticator app is strongly encouraged To switch methods, click your user icon, select User Settings , and scroll to Two-Factor Authentication . You must verify with your existing method before changing to a new one. Lost access to your 2FA app or phone number? Contact support. Phone number changes go through clientservice@rho.co. What if my company uses Google SSO? If your organization has enabled Google Single Sign-On, select Sign in with Google on the login page and choose your Google account — no password needed. If you select SSO but your organization hasn't enabled it, you'll see a warning that SSO is not available for your organization. Log in with your email and password instead, or ask an admin about enabling SSO. I'm still locked out. How do I reach support? Rho support is available 24/7: Phone: 1 (855) 743-8746 (1-855-7-GETRHO) Email: clientservice@rho.co Live chat requires being logged in to your account, so phone and email are the channels to use when you're locked out.

To close your Rho account, contact Rho support — available 24/7. Call 1 (855) 743-8746 (1-855-7-GETRHO), start a live chat from your dashboard (click Help in the lower left, then 24/7 live support ), or email clientservice@rho.co. Closure must be requested by the Account Owner. A Rho specialist will confirm the request and walk you through the final steps. What should I do before closing my account? Working through this checklist first prevents failed payments and lost records: Pay off your Rho Card balance. Closure can't be processed until any outstanding card balance is settled. Cancel scheduled and recurring payments. Go to the Banking tab and open Scheduled Transactions . This lists every future transfer; the Recurring column shows which repeat, and how often. Move your Savings balance. Transfer funds from Savings to Checking under Banking → Transfer . Savings-to-Checking transfers typically settle the next business day if created before 1pm ET, and transfers out of Savings are limited to six per month (as of 08/02/2026). Liquidate your Treasury account. Contact Rho to close Treasury. Closing requires selling all holdings, which typically takes 2–3 business days. Assets are sold at current market prices and may be worth less than your original investment. Download your statements and transaction history first. Go to Settings → Documents → Account Statements for statements, and use Export in the Banking tab for a CSV of transactions. Your dashboard access ends when the account closes, so save these before you request closure. If you need records later, Rho support can provide historical statements on request. Save vendor tax documents. If you use Rho Bill Pay, download W-9s and other tax documents from your vendor profiles. What happens when my account closes? All Rho Cards on the account — physical and virtual — are canceled. Any remaining balance is returned by wire or check — your Rho specialist will arrange the method with you. How long does closing take? Closure timing can depend on pending transactions clearing — incoming deposits, outgoing payments, and card transactions must settle before the account can be fully closed. Treasury liquidation adds 2–3 business days if you hold Treasury assets. What if I'm closing because something isn't working? If a specific issue is driving the decision, mention it when you contact support — the team can often fix it. Either way, our specialists will help you close cleanly.

Rho has partnered with Navan Expense to provide your business an integrated expense management solution. This article explains how Rho Expense Management and Navan Expense Reporting work together to streamline your expense processes. Is Navan Expense only for travel expenses? No, Navan Expense is a comprehensive expense management tool that can be used for all types of business expenses, not just travel-related expenses. It functions like other expense management tools in the market, allowing you to manage and track a wide range of expenses. How are Navan and Rho linked? Rho and Navan are linked through Mastercard Smart Data. This integration allows Navan to receive your transaction logs from Rho. Within Navan, you'll see the cards you've created in Rho and all associated card transactions, just as you would in your Rho account. How do I get started with Navan? To get started with Navan: Sign Up with Navan: Reach out to Navan to create an account. Onboarding Call: Navan will handle the onboarding process and schedule a joint call with you and a Rho representative to set up Navan Connect. Integration Setup: Navan will guide you through the integration process during the call. Note: The setup process is entirely managed by Navan. How do I submit receipts? You should submit receipts directly through Navan Expense. Adding receipts in Rho will not sync them to Navan. To ensure your expenses are accurately tracked and reported, manage all receipt submissions within the Navan platform. How can I manage spending policies? Spending policies should be managed within Navan: In Navan, set up expense rules and policies that align with your company's needs. You can still set card-level controls, such as card limits and merchant restrictions, in Rho. These controls work alongside Navan's expense policies. How do I connect my Rho account to Navan? The connection process is led by Navan: Information Sharing: Rho provides Navan with your Mastercard Distribution ID. Onboarding Call: Navan hosts a joint onboarding call with you and a Rho representative to implement Navan Expense and establish the card connection. Support: If you have questions about setting up Navan Connect, please contact the Navan support team. Who should I contact for support? Interested in Navan? If you're interested in integrating Navan with your Rho account, please contact your Rho representative or reach out to our Client Service team. We'll facilitate an introduction to Navan. Questions about the Navan Setup? For any setup questions related to Navan Connect or Navan Expense, please contact the Navan support team directly.

What is SOC 2 Type 2 Compliance? SOC 2, developed by the American Institute of CPAs (AICPA), is an audit framework for an organizations control and management of customer data, relevant to security, availability, processing, integrity, confidentiality or privacy. SOC 2 reports help the organization in question, as well as regulators, partners, customers, vendors, and other stakeholders, achieve more confidence in the integrity of security, operations, and management of customer data. A SOC 2 Type 2 report describes an organizations system and whether the design and operating effectiveness of the systems controls are suitable to meet relevant trust services principles as of a specific date. Is Rho SOC 2 Type 2 Compliant? Rho is SOC 2 Type 2 compliant. Rho is audited every year by a third-party using the SOC 2 framework. You can access Rho's SOC 2 Type 2 report by clicking on this link.