BEST CARDS FOR STARTUPS

Best business cards for startups.

Fast-moving teams need instant virtual cards, clear spend controls, and rewards that scale with growth.

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Top picks compared.

We evaluated rewards, fees, and features to find the best cards for startups.

Brex Corporate Card

Brex

Brex

Full review
Annual Fee
$0
Rewards
Up to 7x points on rideshare, ...
Intro Offer
Varies by promotion
Ramp Corporate Card

Ramp

Ramp

Full review
Annual Fee
$0
Rewards
1.5% cashback on all purchases
Intro Offer
None
Mercury IO Card

Mercury

Mercury

Full review
Annual Fee
$0
Rewards
1.5% cashback on all purchases
Intro Offer
None
Novo Business Card

Novo

Novo

Full review
Annual Fee
$0
Rewards
Up to 2% cashback on all purch...
Intro Offer
None

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.

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Our top picks, reviewed.

Brex Corporate Card

Brex

Annual Fee
$0
Rewards
Up to 7x points on rideshare

The Brex Corporate Card is a strong pick for startups with its Up to 7x points on rideshare, 4x on travel, 3x on restaurants, 2x on software, 1x all other.

Best Feature: No personal guarantee, category multipliers
Pros
  • Up to 7x points on rideshare rewards
  • No personal guarantee, category multipliers

Ramp Corporate Card

Ramp

Annual Fee
$0
Rewards
1.5% cashback on all purchases

The Ramp Corporate Card is a strong pick for startups with its 1.5% cashback on all purchases.

Best Feature: AI-powered savings insights, vendor negotiation
Pros
  • 1.5% cashback on all purchases rewards
  • AI-powered savings insights, vendor negotiation

Mercury IO Card

Mercury

Annual Fee
$0
Rewards
1.5% cashback on all purchases

The Mercury IO Card is a strong pick for startups with its 1.5% cashback on all purchases.

Best Feature: Integrated with Mercury banking
Pros
  • 1.5% cashback on all purchases rewards
  • Integrated with Mercury banking

Novo Business Card

Novo

Annual Fee
$0
Rewards
Up to 2% cashback on all purchases

The Novo Business Card is a strong pick for startups with its Up to 2% cashback on all purchases.

Best Feature: Integrated with Novo business checking, ecommerce integrations
Pros
  • Up to 2% cashback on all purchases rewards
  • Integrated with Novo business checking, ecommerce integrations

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