Earn up to 2% cashback on all card spend (terms apply). Issue physical and virtual cards with built-in spend controls, no annual fee, no personal guarantee, and no personal credit check. Apply online in less than 10 minutes.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
What you get with a Rho Corporate Card
¹ Up to 2% Cashback on all card spend (terms apply). Cashback is issued as a statement credit and requires payment of the full statement balance on time. Category exclusions apply.
- 01
Apply online
The application takes less than 10 minutes. Have your EIN, formation documents, and a government ID for each owner ready.
- 02
Get underwritten on your business
Rho evaluates your company's financials, not your personal credit. No personal guarantee and no personal credit check required.
- 03
Choose your terms
Pick Daily Terms or Monthly Terms. Your cashback rate depends on the terms you choose.
- 04
Issue cards and set controls
Create physical and virtual cards, including a dedicated card for each vendor, set per-card limits and approval rules, and connect your accounting software.
No annual fee. No per-card fee.
- Physical and virtual corporate cards for your whole team
- Dedicated vendor cards for recurring charges
- Up to 2% cashback on all card spend (terms apply)
- Spend controls, per-card limits, and approval workflows
- QuickBooks Online, NetSuite, and Sage Intacct integrations
- No personal guarantee and no personal credit check
Cashback is issued as a statement credit after you pay your full statement balance on time, and must be redeemed within 12 months of earning. Some categories are excluded, including Walmart and affiliates, utilities, money transfers and quasi-cash, and non-US transactions.
Banking services by Webster Bank
Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
FDIC-insured deposits
Checking deposits are FDIC-insured up to $250,000 per entity through Webster Bank, a division of Santander Bank, N.A. Member FDIC.
24/7 support
24/7 support by phone, in-app chat, and SMS.
| Rho | |
|---|---|
| Published cashback rate | Up to 2% cashback on all card spend (terms apply) |
| Repayment terms | Daily Terms or Monthly Terms; rate varies by terms |
| Personal guarantee or personal credit check | Not currently required |
| Annual card fee | $0, with no subscription or per-card fees |
| Rho | Brex | Ramp | Mercury | |
|---|---|---|---|---|
| Published cashback rate | Up to 2% cashback on all card spend (terms apply) | Points by category, up to 7x; no cash redemption value published | Cashback offered; no rate published before applying | 1.5% flat on all spend |
| Repayment terms | Daily Terms or Monthly Terms; rate varies by terms | Daily, or monthly for companies meeting revenue requirements | 30-day payback | Daily to start; 30-day terms at $15K+ balance |
| Personal guarantee or personal credit check | Not currently required | No personal guarantee | No personal credit checks or personal guarantee | No personal guarantee; no credit check at sign-up |
| Annual card fee | $0, with no subscription or per-card fees | Cards included on $0-per-user Essentials plan | No annual fee | No annual fees on IO cards |
Competitive data collected from Brex, Ramp, and Mercury websites as of 08/20/2026, and may change. Rho cashback is subject to program terms, including on-time payment of the full statement balance and category exclusions.
A corporate card is a payment card issued to a business rather than an individual, underwritten on the company's financials instead of an owner's personal credit. Employees each get their own physical or virtual card under one company account, and finance teams set limits and see spend in real time.
Companies use corporate cards for software subscriptions, travel, vendor payments, and day-to-day employee purchases. Compared with reimbursements, the company pays upfront on its own card, policy is enforced at the point of spend, and reconciliation happens as transactions post rather than at month-end.
- Payment card issued to a business, underwritten on the company's financials
- Each employee gets their own physical or virtual card under one company account
- Finance teams set limits and see spend in real time
- Policy is enforced at the point of spend, not at month-end
A corporate charge card is paid in full on a set schedule, so there is no revolving balance and no APR. A corporate credit card lets a balance revolve and charges interest on it. The Rho Corporate Card is settled in full on Daily Terms or Monthly Terms.
A corporate card also differs from a small business credit card. Business credit cards are typically underwritten on the owner’s personal credit and require a personal guarantee; corporate cards like Rho’s are underwritten on the business itself, and Rho does not currently require a personal guarantee or personal credit check.
- Charge card: paid in full each cycle, no revolving balance, no APR
- Credit card: balance can revolve, interest (APR) applies to carried balances
- Business credit cards: typically underwritten on the owner's personal credit with a personal guarantee
- Rho Corporate Card: underwritten on the business itself, no personal guarantee or personal credit check currently required
Rho cashback is up to 2% on all card spend (terms apply). Cashback is paid as a statement credit when the full statement balance is paid on time, and must be redeemed within 12 months of earning.
Rho Platinum is a rewards program for companies that use Rho as their primary bank account, not a paid plan: there is no fee and no application. You qualify by routing your payroll funding through Rho, depositing business revenue into Rho Checking, holding 50% or more of your company assets at Rho, and having an open Rho Corporate Card.
- Up to 2% cashback on all card spend (terms apply)
- Cashback is paid as a statement credit when the full statement balance is paid on time
- Cashback must be redeemed within 12 months of earning
Start with rewards transparency. Some providers publish a cashback rate, others publish points categories without a redemption value, and some publish no rate until after you apply. A published rate is a rate you can hold the provider to.
Check the underwriting model. Startups without revenue history benefit from cards underwritten on business financials with no personal guarantee, so a founder’s personal credit stays out of it. Look for controls that do the policy work: per-card limits, merchant restrictions, approval workflows, and instant freeze or cancel. A dedicated card for each vendor keeps recurring charges visible and contained.
Finally, make the card feed your books. Rho syncs card transactions to QuickBooks Online, NetSuite, and Sage Intacct so coding and reconciliation happen continuously instead of at close.
- Start with rewards transparency: a published rate is a rate you can hold the provider to
- Check the underwriting model: cards underwritten on business financials with no personal guarantee
- Look for controls: per-card limits, merchant restrictions, approval workflows, and instant freeze or cancel
- Make the card feed your books: Rho syncs to QuickBooks Online, NetSuite, and Sage Intacct
Apply online in less than 10 minutes. No annual fee, no personal guarantee, and no personal credit check.
Frequently asked questions
Corporate cards are payment cards issued to a company rather than a person, underwritten on the business's financials and managed centrally by its finance team. The Rho Corporate Card is a Mastercard World Elite Business card issued by Webster Bank, a division of Santander Bank, N.A., Member FDIC, with no annual fee and up to 2% cashback with Rho Platinum (terms apply).
Yes, Rho is a full financial platform that includes business checking, savings with up to $75M in FDIC coverage, treasury management, AP automation, and expense management, all with no monthly software fee.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC. Up to 2% Cashback on all card spend (terms apply). Cashback is issued as a statement credit, requires payment of the full statement balance on time, must be redeemed within 12 months of earning, and excludes certain categories including Walmart and affiliates, utilities, money transfers and quasi-cash, and non-US transactions. A late fee of 3% of the delinquent payment balance per month may apply for up to six months, unless prohibited by law. Late payment forfeits rewards. Competitive data collected from Brex, Ramp, and Mercury websites as of 08/20/2026, and may change. Product claims current as of August 2026. Facts verified as of 08/20/2026.