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Many business owners face a decision between prioritizing expense management systems and maximizing credit card rewards for their companies. While many individuals focus on earning the most from personal credit cards, they often take a different approach when managing company expenses, even though business spending is usually much higher.
Platforms such as Ramp, Rippling, and Brex offer businesses both expense management tools and corporate credit cards. These platforms highlight features like centralized control over expenses, customizable spending rules, card issuance options, and APIs to connect with existing accounting software for streamlined bookkeeping.
Rippling provides up to 1.75% cash back on its credit card purchases, while Brex offers a points system that is more valuable when redeemed for travel but generally less lucrative than traditional corporate cards. In contrast, some standard business credit cards offer at least 2% cash back. Certain cards can provide even higher returns; for example, the Capital One Venture X Business card gives 10 miles per dollar spent on hotels and car rentals booked through its travel portal—a benefit that can be especially significant for companies with substantial travel expenses.
