The card every founder wishes they started with

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.
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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.

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.