DAY ONE
Issue a card. Ship.
Open banking and issue cards in minutes. No personal guarantee, no credit pull, no relationship manager calling you back next week.
The card every founder wishes they started with
Issue cards in minutes. Earn up to 2% Cashback with Rho Platinum. Keep every dollar visible – without becoming a finance operator.
“It’s nice to feel so cared for.”
Atul Raghunathan, Founder & CRO
"Our accountants love them."
Landseer Enga & Anam Hira, Co-Founders
"They've scaled with us."
James Jiang, Co-founder & CEOSet it up once. Trust it as you grow.
A foundation that scales with you — not against you.
From the first wire to your first finance hire, Rho Cards work the same way: quietly, in the background, without asking for your attention.
MONTH THREE
Hand cards to the team.
Vendor cards for every subscription. Daily, weekly, or monthly limits. Approve and freeze cards from your phone in seconds.
YEAR ONE
Books that close themselves.
Receipts pulled from Gmail and matched automatically. Synced to your accounting software — no chasing required.
One card per vendor. No more subscription archaeology.
Charging subscriptions to personal or team cards seems manageable — until it isn't. Vendor Cards keep every recurring charge clean, named, and easy to kill.
One card per vendor.
Each card is tied to a single vendor with its logo, name, and spend history. No more guessing what "AUTH ABC*PLATFORM" actually is.
Cancel in one click.
Pause or kill any vendor card from your phone. The subscription stops. No customer-service hold music required.
Clear ownership, even at 50.
Assign every vendor card to a person or team. When you scale from 5 to 50, the org chart is already in your books.
What founders actually do with Rho Cards
Run ad spend through dedicated cards for Meta, Google, and LinkedIn
Hand vendor cards to engineering for AWS, Linear, and Vercel
Set fixed-limit travel cards before a team off-site, not after
Add a contractor with daily, weekly, or monthly caps in 30 seconds
Track project or client spend without a spreadsheet shadow system
Keep senior-only cards for wires and high-trust spend
Built with the rigor founders expect.
Cards are the operational layer the rest of the platform plugs into — banking, treasury, expenses, accounting. One login. One balance. One source of truth.
Virtual or physical, your call.
Spin up a virtual card in seconds. Ship a physical card globally. Activate from inside the app — no envelope-opening ritual.
Limits that match how you work.
Daily, weekly, monthly, or annual cycles. Restrict by merchant or category. Get notified before someone hits a cap — not after the decline.
Cashback, not a points puzzle.
Up to 2% Cashback with Rho Platinum, up to 1.5% standard (terms apply) — paid as a statement credit. No blackout dates. No redemption portals. Money your business can actually use.
Rho Platinum
Meet Rho Platinum — a program, not a plan
No fee. No application. Run your business on Rho — payroll, revenue, and most of your cash — and your Rho Card with Daily Terms steps up from 1.5% to 2% Cashback on your first $1M in eligible spend each calendar year (terms apply). The whole checklist:
01
Run payroll from Rho
Make Rho the account your payroll runs from.
02
Deposit revenue into Rho Checking
Your business revenue lands in Rho Checking.
03
Hold 50%+ of your assets at Rho
Keep at least half of your company's assets at Rho.
Rho Corporate Card at a glance
- Cashback
- Rho Card with Daily Terms: 2% with Rho Platinum (on up to $1M in eligible spend per calendar year) / 1.5% standard · Rho Card with Monthly Terms: 1.75% (Platinum) / 1.25% (standard) · requires paying the full statement balance on time
- Personal guarantee
- Not required — no personal guarantee required; no personal credit report or credit-score pull
- Annual / subscription / per-card fees
- $0
- Credit limits
- Underwritten on business financials; scale with company growth — no extensive credit history required
- Repayment
- Rho Card with Daily Terms or Monthly Terms (30-day billing cycle)
- Card network / issuer
- Mastercard, issued by Webster Bank, N.A., Member FDIC ($85.5B in assets, FDIC call report 3/31/2026)
- Vendor cards
- Dedicated, named virtual cards with hard limits for subscriptions and vendors
- Support
- 24/7 real human by phone, in-app chat, or SMS — every account, $0Facts verified as of 2026-08-02.
Day one. Year one. Same system.
The financial foundation founders wish they'd started with — set up once on day one and trusted as the company grows.
Day one
You're solo or two-handed. You need to wire a vendor, hand a card to your cofounder, and not think about it again. Rho gets you operational in minutes.
Year one
You've got a team, a real burn rate, and a finance hire who'll inherit the books. Same Rho. Now with vendor cards, automated receipts, and a clean GL — without you doing anything.
Every Rho card is a World Elite Mastercard
World Elite Mastercard for Business benefits come built into every Rho corporate card — provided by Mastercard and verified against your card at mycardbenefits.com:
Priority Pass airport lounge access — complimentary for cardholders, including lounge visits: access 1,300+ lounges in over 140 countries by presenting your Rho card (or via the Priority Pass app). No enrollment needed.
Primary car rental insurance — coverage for damage and theft on rentals paid with your Rho card.
24/7 Business Assistant concierge — travel, dining, tickets, and business services by phone or chat.
Mastercard Easy Savings — automatic rebates at tens of thousands of merchants, plus dated offers like 30% off QuickBooks and $300 in Microsoft Advertising credit.
Security built in — ID theft protection, Zero Liability coverage, My Cyber Risk assessment, and 24/7 global emergency card services.
FAQs
Rho Corporate Cards
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’s startup credit cards, your business must be based in the United States, among other things.
There is no minimum annual revenue requirement, although revenue is used as a datapoint for underwriting, among other datapoints. We do not offer services to sole proprietorships or unincorporated businesses.
Yes! The Rho platform’s built-in expense management tools simplify receipt collection and streamline reimbursements, approval workflows, and expense reporting.
When you use your Rho card, you can get a text message to submit a photo of your receipt based on your configured settings. Once uploaded, Rho will automatically upload the receipt and approval rules from your company policy will be applied automatically, saving you time.
Rho corporate credit cards are issued by Webster Bank, N.A., Member FDIC, and are powered by Mastercard. Rho checking accounts are also provided by Webster Bank, N.A., Member FDIC.
Rho does not currently 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
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.
Rho’s holistic approach to underwriting generally 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.
Mastercard.
Rho Corporate Cards focus on real-time spend controls, automated reconciliation, and built-in compliance. Unlike many traditional options, Rho does not require a personal guarantee and is designed to scale with growing teams.
A business credit card for startup teams should make it easy to control spend as the company grows. That includes setting limits by card or vendor, enforcing approval workflows, and tracking spend in real time. Automatic syncing with accounting tools and flexible credit limits also reduce manual work as spend scales across teams.
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.
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.
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.
The foundation, set up once.
Open banking, issue cards, and start earning cashback in minutes.
