Question 1

Ramp vs Brex vs Mercury—which should I choose?

Accepted Answer

Ramp: best expense management, cashback. Brex: good for startups with no revenue. Mercury: bundled with banking. Try based on your primary need.

Question 2

Can I get a corporate card with no revenue?

Accepted Answer

Yes. Brex and Mercury look at funding, not revenue. Ramp needs some revenue. Limits based on bank balance or funding.

Question 3

What's a virtual card and why use it?

Accepted Answer

Virtual cards are instant, disposable card numbers. Great for online purchases, subscriptions, one-time vendors. Easy to cancel without affecting other cards.

Question 4

How do spending limits work?

Accepted Answer

Set per card or per category. Daily, monthly, or total limits. Auto-decline over limit or require approval. Flexible based on role.

Question 5

Do founders need good personal credit?

Accepted Answer

Most startup cards don't require personal guarantee or credit check if you have funding. They look at business bank balance.

Question 6

What rewards or cashback can I get?

Accepted Answer

Ramp offers 1.5% cashback. Brex varies by category. Mercury has travel perks. Not huge but adds up. Better than nothing.

Question 7

How do I handle card fraud?

Accepted Answer

Virtual cards limit exposure. Real-time alerts on spending. Freeze cards instantly in app. Dispute process similar to consumer cards.

Question 8

Should I give contractors corporate cards?

Accepted Answer

Only if needed and with strict limits. Virtual cards for specific purchases better. Most contractors should invoice instead.

Question 9

How do receipts work with corporate cards?

Accepted Answer

App prompts for receipt after purchase. Text photo in. Auto-matches to transaction. Some even OCR the receipt for details.

Question 10

What about international purchases?

Accepted Answer

Most have no foreign transaction fees. Support multiple currencies. Some offer better FX rates than traditional banks.

Question 11

Can I integrate with accounting software?

Accepted Answer

Yes, all major options sync with QuickBooks, Xero, NetSuite. Automatic categorization and export. Saves hours monthly.

Question 12

How fast can I get a card?

Accepted Answer

Virtual cards: instant. Physical cards: 5-7 business days usually. Approval process 1-2 days for funded startups.

Question 13

What happens if I cancel a subscription on virtual card?

Accepted Answer

Merchant can't charge the old number. Clean break. Why virtual cards are great for SaaS trials and risky purchases.

Question 14

Do I need to pay off the balance immediately?

Accepted Answer

Most are charge cards, not credit cards—pay monthly in full. Some offer extended payment terms. No interest if paid on time.

Question 15

What about building business credit?

Accepted Answer

Brex reports to Dun & Bradstreet. Others vary. Good payment history builds business credit separate from personal.

I need corporate credit cards for my team

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Ramp

Brex

Mercury

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I need to track and manage company expenses properly

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