Finding the best Corporate Credit Card 2024

Independent comparison of corporate credit cards in Germany & Europe: Costs, employee conditions, pros and cons.

  • Bunq Corporate Credit Card Easy Bank

    Provider
    Bunq Easy Bank
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    83,88
    Card system
    Mastercard
    Card type
    Debit
  • American Express Business Platinum

    Provider
    American Express Business Platinum
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    700,00
    Card system
    American Express
    Card type
    Credit
  • Pleo Free

    Provider
    Pleo
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Mastercard
    Card type
    Credit
  • Payhawk Corporate Credit Card

    Provider
    Payhawk
    Card system
    Visa
    Card type
    Debit
  • Revolut Business

    Provider
    Revolut
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Mastercard
    Card type
    Debit
  • Miles & More Gold Business

    Provider
    Miles & More Gold
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    138,00
    Card system
    Mastercard
    Card type
    Credit
  • Finom Corporate Credit Card

    Provider
    Finom
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Visa
    Card type
    Credit
  • Amazon Business American Express Card

    Provider
    Amazon
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    American Express
    Card type
    Credit
  • Moss Corporate Card

    Provider
    Moss
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    144,00
    Card system
    Mastercard
    Card type
    Debit
  • Metro Corporate Credit Card

    Provider
    Metro
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Mastercard
    Card type
    Debit
  • Bunq Coporate Credit Card Easy Money

    Provider
    Bunq Easy Money
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    155,88
    Card system
    Mastercard
    Card type
    Debit
  • Fyrst Card Plus Corporate Creditcard

    Provider
    Fyrst
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    girocard
    Card type
    Debit
  • Bunq Corporate Credit Card Easy Green

    Provider
    Bunq Easy Green
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    275,88
    Card system
    Mastercard
    Card type
    Debit
  • Postbank Business Card plus

    Provider
    Postbank
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    24,00
    Card system
    Mastercard
    Card type
    Debit
  • N26 Business You

    Provider
    N26 You
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    118,00
    Card system
    Mastercard
    Card type
    Debit
  • Holvi Corporate Credit Card

    Provider
    Holvi
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    108,00
    Card system
    Mastercard
    Card type
    Debit
  • Pliant Corporate Credit Card

    Provider
    Pliant
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Visa
    Card type
    Credit
  • American Express Business Gold Card

    Provider
    American Express Business Gold
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    American Express
    Card type
    Credit
  • N26 Business Standard

    Provider
    N26 Standard
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Mastercard
    Card type
    Debit
  • N26 Business Smart

    Provider
    N26 Smart
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    58,00
    Card system
    Mastercard
    Card type
    Debit
  • Miles & More Blue Business

    Provider
    Miles & More Blue
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    66,00
    Card system
    Mastercard
    Card type
    Credit
  • Kontist Visa Business Debit

    Provider
    Kontist
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Visa
    Card type
    Debit
  • Qonto One Corporate Credit Card

    Provider
    Quonto One
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    0,00
    Card system
    Mastercard
    Card type
    Debit
  • Commerzbank Business Card Classic

    Provider
    Commerzbank Business Card Classic
    Costs first year
    Kosten beziehen sich auf das erste Jahr und können im Folgejahr variieren
    34,00
    Card system
    Mastercard
    Card type
    Debit

Corporate Credit Card Comparison: Find the Best Provider in Germany & Europe

In our corporate credit card comparison, we scrutinize all providers so that you can make the best decision for your company. Get informed and find the best provider now!

Key Points at a Glance

Corporate credit cards enable a clear separation between business and private expenses.

There are various types of cards specifically developed for small, medium-sized, and large enterprises.

Private use of the corporate card is not permitted.

When applying for a credit card for employees, their creditworthiness does not play a role.

Applying for a Company Card: Business Card or Corporate Card?

There are different types of corporate credit cards. Business Cards are aimed at freelancers and self-employed individuals, as well as small and medium-sized enterprises where only a few employees need a credit card. The features are limited to accounting and invoicing integration, and insurance. These corporate credit cards are often available for free or at a low cost.

Corporate Cards are suitable for larger companies that need many corporate cards. Therefore, there is usually a minimum purchase requirement. Corporate Cards offer individual additional services and better conditions. Due to the higher volume of credit cards, you can also benefit from rewards and bonus programs.

Corporate Credit Card for Employees: What to Consider?

Corporate credit cards open up new possibilities for expense management and control for companies. The following are important considerations when implementing corporate cards.

Requirements for Applying for a Business Credit Card

To apply for a credit card for your company, you must meet the following requirements:

  • Officially registered company

  • Ownership of a business account

  • Positive creditworthiness of the company

  • Depending on the provider, fulfillment of minimum sales requirements might be necessary

  • Residence in the issuing country of the card

  • Proof of adulthood, identity, and business affiliation of the applicant

The exact requirements may vary depending on the corporate credit card provider. It is particularly important to provide proof of business and to submit relevant business documents.

Billing: Can the company credit card be used for personal purposes?

At the end of 2015, an EU-wide regulation for corporate credit cards was introduced. Since then, it is not permitted for the billing of the credit card to be done through an employee's personal account. Business expenses and private expenses must be clearly separated. Therefore, the company account must also be registered with the corporate credit cards.

What can be paid for with the corporate credit card?

The corporate credit card may only be used for business-related expenses. These include:

  • Travel expenses (airline tickets, hotel bookings, etc.)
  • Business meals
  • Training and education
  • Expenditures for office supplies
  • Services related to business activities

All transactions made with the corporate credit card must comply with the company’s guidelines and demonstrably serve business purposes.

Information on policies and usage agreements

To prevent potential misuse, it is advisable to set clear usage agreements for the corporate credit card. It should be clear to every employee that the credit card is not intended for private use. However, by establishing a detailed usage agreement, you ensure extra security. This agreement should specify the purposes for which the corporate credit card can be used and inform employees of their duty of care in the event of theft or loss of the card. Templates for such an agreement can be found online.

SCHUFA Checks, Creditworthiness, and Liability

Even if your employees receive personalized corporate credit cards, the liability lies solely with the company. Consequently, the personal creditworthiness of the employees does not matter, allowing even those with negative SCHUFA entries to receive a corporate credit card.

Corporate Credit Card Without a Name

Corporate credit cards can be issued without a name and used by multiple employees. There are also personalized credit cards that bear an employee's name and can only be used by that individual. The choice between these options depends on the individual needs of your company.

Digital Corporate Credit Card or Physical Model?

In addition to physical credit cards, there are now virtual models available only in digital form. These cards are either linked to the company account or topped up via an account-independent e-wallet. Digital corporate credit cards can have individual budgets and rules set. A time limit is also possible. This type of credit card is particularly suitable for individuals who sign up for online software subscriptions, book webinars, or make online purchases.

Mobile Payments with Apple Pay or Google Pay

Some credit card providers allow you to link your corporate credit card with Apple Pay or Google Pay. This enables your employees to make contactless payments quickly and easily with their smartphone or watch. Simply add the credit card to the corresponding wallet, and you too can benefit from convenient and secure transactions as a business customer.

Benefits of the Corporate Card

The corporate credit card offers numerous benefits for both employers and employees. Here is an overview of the advantages:

  • Good overview of employee payments

  • Direct payment of company expenses without the need for cash advances

  • Documentation of business expenses in real time

  • Digital storage of receipts

  • Time and cost savings in accounting

  • Better terms than with private credit cards

  • No credit checks on employees

  • Employees do not have to fill out expense reports

Disadvantages of Corporate Credit Cards

Despite numerous advantages, corporate credit cards also have a few drawbacks:

  • Potentially burdensome administration: Especially when there are many corporate cards, the responsible person in the company might frequently face questions.
  • Risk of dormant accounts: If an employee leaves the company, it is crucial not to forget to cancel their corporate credit card. Otherwise, they can continue to use it.
  • Fewer providers than for personal credit cards.

Free Corporate Credit Card? – All Costs and Fees Overview

There are free corporate credit cards and providers that charge an annual fee. The costs depend on the type of card as well as its additional benefits and discounts. Additional fees may include foreign currency surcharges, foreign transaction fees, or cash withdrawal fees. These vary by provider but should be considered when comparing corporate credit cards.

Cashback & Bonus Programs: Benefits You Can Enjoy

Not only personal credit cards include lucrative benefits – business cards can also come with attractive bonus programs. The conditions offered by providers can vary significantly. Some offer an extended payment deadline or a higher credit limit, while others provide cashback, upgrades, and rewards. Special discounts at airlines, hotels, or other shops are not uncommon. Specific insurance packages are also offered as an additional service for business travelers. Look closely at the additional benefits to see which ones could be worthwhile for your company.

How Secure Are Corporate Credit Cards?

To prevent misuse of corporate credit cards, many providers take extensive security measures, including:

  • An app or phone hotline for immediate blocking of the card in case of loss or theft.
  • Automatic blocking in case of suspicious bookings.
  • Real-time notifications of transactions.
  • 3D-Secure or two-factor authentication.
  • Company-specific card limits or credit balances.
  • Individual card limits for employees.
  • Cash withdrawals up to a set limit.

If misuse of the card occurs despite these measures, the company is liable for up to €50. If the damage exceeds this amount, the bank or the issuing credit card institute is liable. Note that the card must be blocked immediately in case of loss or theft, as the liability limit does not apply in case of negligent behavior.

Debit, Prepaid, & Co. – Alternatives to the Classic Credit Card

In our corporate credit card comparison, you will also find alternatives to the classic credit card. There are debit cards where the amount is debited directly at the time of transaction. Additionally, there are prepaid corporate credit cards, which can be loaded with a certain amount and used within that limit.

Another popular option is the virtual corporate credit card. It is available online and can be used for one-time or recurring payments. If your employees are supposed to handle travel bookings exclusively through a corporate credit card, the travel agency card is a good alternative. This involves a virtual account through which flights, train tickets, hotel stays, etc., can be booked.

Find the Best Corporate Credit Card Provider on Our Portal

Business use of credit cards is primarily specialized by Visa, MasterCard, and American Express. Among the credit card companies, both branch and direct banks as well as FinTech companies appear. Corporate credit card providers offer businesses customized solutions tailored to different target groups. In addition to Degussa, Sparkasse, and Commerzbank, there are numerous other financial companies that offer multifaceted benefits for your company.

In our corporate credit card comparison, you will find the perfect card for your needs!

What is the best corporate credit card?

The best corporate credit card for you depends on the individual needs of your company. Important factors include the fee structure, credit limit, or additional benefits. Compare various offers to make an informed decision.

What does a corporate credit card cost?

The cost of a corporate credit card can vary greatly. There are free cards and those with an annual fee. Compare the costs now and find the best business card for your company!

How can I apply for a corporate credit card?

After selecting a credit card provider, apply by providing the required information about your company. The provider will then conduct a credit check to assess your creditworthiness. After a successful review, the corporate credit card will be approved and issued.
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