Earn as you enforce your expense policy.

Rho Corporate Cards keep spend compliant, automate accounting, and earn up to 1.25% cashback. Apply in minutes.

Rho is a fintech company, not a bank. Checking account and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

Tyler Majors, CFO at Native Strategies

“We wanted our expense management process to feel like an extension of our employees vs. something else they had to worry about – and Rho delivered.”

Tyler Majors, CFO at Native Strategies

Keep spend controlled and compliant with ease.

Rho provides a seamless, simple, yet fully customizable corporate card experience.

Create your Rho Card.

Assign an unlimited amount of virtual cards to individuals or teams.

Seamless controls

Set spend limits, merchant restrictions, and approvals that enforce your policy.

Enjoy easy reconciliation.

Save time by automating accounting with integrations custom & CSVs.

Start boosting your bottom line with Rho today.

Apply Now

Enjoy a smooth onboarding experience when you apply.

Our unique underwriting method works to help businesses access higher, more stable limits.

1.

Apply for a Rho Card in minutes.

Tell us more about your business and upload important documents needed to start the underwriting process.

2.

Experience holistic underwriting.

We use comprehensive data that helps businesses access higher, more stable limits. 

3.

Set up your team in minutes. 
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In seconds, generate your first Rho Card with configured spend controls that help enforce your expense policy.

Enjoy the versatility of Rho Corporate Cards

See some of the many ways our customers put the Rho Corporate Card to use.

Track advertising spend.

Running advertising campaigns on Facebook or TikTok? Create virtual Rho corporate card that can only be spent with those merchants and understand company spending in real-time.

Execute procurement spending with ease.

Assign individual Rho purchasing cards to specific vendors or categories of company expenses, simplifying your procurement and accounts payable processes.

Pay for employee travel-related business expenses.

Book your flights and pay for team and client meals with Rho corporate cards to specific budgets or teams.

Distribute employee cards to purchase needed supplies.

Give your employees cards with strict spend limits and controls that help them pay for needed materials and office supplies while maintaining expense policy compliance.

Manage client budgets.

From construction companies to advertising agencies, Rho corporate cards can help track granular spending by client or job code, making budgeting easier.

Limit cardholder access to the C-Suite.

Some businesses prefer to limit corporate card access to senior executives or owners. Rho corporate cards can easily be assigned just to senior level employees.

Sarah Green, Senior Accountant at Dr. Squatch

“From technology to innovative underwriting, Rho’s consistently demonstrated they are a world-class partner to our business.”

Sarah Green, Senior Accountant at Dr. Squatch

Before and after Rho

Seasoned business owners, operators, and CFOs use Rho to put an end to non-compliant spending and protect margins.

From manual finance

Your old corporate card can’t stop non-compliant spending and slows down your accounting team.

To frictionless finance

Your Rho Corporate Card keeps spend controlled and boosts the productivity of your finance team.

Make card spend management frictionless with Rho today

FAQs

See answers to common questions we get from customers about Rho Corporate Cards.

Is my business eligible to apply for a Rho Card?

We work with a variety of clients ranging from early-stage startups and small business owners to seasoned middle-market businesses. To be eligible for Rho, your business must be incorporated in the United States.
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There is no minimum annual revenue requirement, although revenue is used as a datapoint for underwriting. We do not offer services to sole proprietorships or unincorporated businesses.

Does the Rho Card help with expense reporting?

Yes! The Rho platform’s built-in expense management tools simplify receipt collection and streamline reimbursements, approval workflows, and expense reporting.
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When you use your Rho card, you get a text message to submit a photo of your receipt. Rho will automatically upload the receipt and approval rules from your company policy will be applied automatically, saving you time.

Who is Rho’s corporate card issuer?

Rho corporate credit cards are issued by Webster Bank, N.A. Member FDIC, and are powered by Mastercard. Rho checking bank accounts are also provided by Webster Bank, N.A. Member FDIC.

What type of card fees does the Rho Card program have?

Unlike many common types of small business cards or personal credit cards on the market today, Rho Cards have no annual fee, subscription fees, or per-card fees. Read about our pricing for more information. Rho reserves the right to charge a 3% late fee on a delinquent balance for up to six months, unless prohibited by law.

Does Rho require a personal guarantee?

Rho does not require a personal guarantee, consumer credit report (personal credit check), or personal credit score pull, meaning business owners are not personally liable for their business accounts.

When must I repay my balance?

If your application is approved, your company will receive a daily credit limit. Repayments will be automatically debited from your Rho checking account just after midnight EST for that day’s activity. If interested, you can then apply for monthly credit terms.

Rho reserves the right to charge a 3% late fee on a delinquent balance for up to six months, unless prohibited by law.

What will my credit limit be?

Rho’s holistic approach to underwriting allows us to find you a higher, scalable credit limit that increases with your company’s growth – even if you don’t have an extensive credit history.

Your credit limit is not tied solely to your cash balance or last year's revenue but instead depends on several factors, such as revenue growth, business spending patterns, and balance sheet liquidity. We work with you to increase your credit limit as you grow. Read about our underwriting approach for more information.

Why does Rho offer cashback vs a points-based rewards program?

We prefer to give clients cash rewards via statement credits on qualifying business purchases that they can then use to run their business, improve cashflow, and avoid complicated point-based systems that often come with redemption restrictions and blackout dates.
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Some businesses prefer points-based rewards and travel benefits (think: airport lounge access) – and that’s okay! There are many great small business credit card options out there for intro card offers, business travel rewards, points, and other perks. We do offer a variety of perks through our partnerships, which you can read more about here.

Are Rho Cards Mastercard or Visa?

Mastercard.

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks. Mastercard^® and the circles design are trademarks of Mastercard International Incorporated. International and foreign currency payments services provided by Wise US., Inc. 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 other third party.