Best Cards for New Businesses.
Cards that are easy to qualify for when you're just starting out, with no revenue requirements.
Top picks compared.
We evaluated rewards, fees, and features to find the best cards for new businesses.
From formation to first purchase.
Form your company
Lovie handles your LLC or Corp formation with AI — state fees included.
Get your card instantly
You get a virtual card right away. Physical card ships the same day.
Set your rules
Set limits, block merchants, manage team access — from the dashboard or by asking your AI.
Start earning
Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.
Your business card should work as fast as your AI.
Create virtual cards the moment your company is formed. No waiting, no separate applications.
Instant Virtual Cards
Issue unlimited virtual cards in seconds. Set per-card limits, merchant restrictions, and auto-expiring rules.
Smart Spending Controls
AI-powered rules that adapt to your business. Lock cards by merchant, category, amount, or time.
MCP-Native
Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.
Build Business Credit
Every purchase reports to major credit bureaus. Your company builds credit automatically.
No Foreign Transaction Fees
Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.
One Platform, Everything
Formation, banking, and cards in one dashboard. You stop juggling logins.
Card-by-card breakdown.
Brex Corporate Card
Brex
The Brex Corporate Card is a strong pick for cards for new businesses with its Up to 7x points on rideshare, 4x on travel, 3x on restaurants, 2x on software, 1x all other.
- Up to 7x points on rideshare rewards
- No personal guarantee, category multipliers
Ramp Corporate Card
Ramp
The Ramp Corporate Card is a strong pick for cards for new businesses with its 1.5% cashback on all purchases.
- 1.5% cashback on all purchases rewards
- AI-powered savings insights, vendor negotiation
Mercury IO Card
Mercury
The Mercury IO Card is a strong pick for cards for new businesses with its 1.5% cashback on all purchases.
- 1.5% cashback on all purchases rewards
- Integrated with Mercury banking
Novo Business Card
Novo
The Novo Business Card is a strong pick for cards for new businesses with its Up to 2% cashback on all purchases.
- Up to 2% cashback on all purchases rewards
- Integrated with Novo business checking, ecommerce integrations
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Beyond business cards: the full Lovie platform
A business card is one piece of your financial stack. Lovie brings formation, banking, equity, and compliance together so founders can focus on building.
Starting a business requires more than the right credit card. Lovie helps founders incorporate their LLC or C-Corp in Delaware or Wyoming in under two minutes.
AI-powered LLC and C-Corp formation for foundersOnce your entity is formed, equity management becomes critical. Track shares, SAFEs, and option pools with a cap table built for modern founders.
automated cap table management for startupsFor Web3 founders managing token treasuries alongside traditional business spending, integrated operations tooling keeps everything in one place.
token operations and treasury management platformBusiness cards work best when paired with a banking stack that understands how modern startups operate, from automated bill pay to API-driven transactions.
agent-native banking designed for AI-first startups