- Get this card if you want a simple cashback business card for a small or medium-size business.
- Pick something else if you have a large business or you want bigger reward opportunities.
- Apply with a good credit score of 620 or higher.
The Corpay Mastercard® is a new cashback business charge card from Corpay One, the company behind the titularly named cash management software for businesses. As far as business cards go, the Corpay Mastercard® is straightforward: it charges no annual fee, earns up to 1.5% back on eligible purchases (provided you pay at least one bill through Corpay One each month), offers a credit limit of up to $100,000 and a 21-day repayment window.
From a pure rewards and features standpoint, the Corpay Mastercard® falls short of much of the business card competition on the market. There are plenty of 2% cashback cards available to businesses, with several including welcome offers on top of that. The The American Express Blue Business Cash™ Card, for example, earns 2% back on your first $50,000 spent (the max credit limit of the Corpay Mastercard®), reverting to 1% afterwards, while also offering a $250 statement credit after you spend $3,000 on your card within your first 3 months (Terms apply, see rates & fees).
The card’s strength lies in the integration with the Corpay One payment system, which offers bill pay automation, accounting syncing, and the ability to pay business bills that might not typically accept credit card payments. To that end, the card most benefits those already immersed in the Corpay One system, or those interested in checking it out.
For everyone else, the card’s relatively average earning rate and potentially high fees make this card more of a niche pick than one that can suit any business.
|1.5% on qualifying spend
|Balance transfer APR
|Minimum credit score
|Interest free period
|Up to 21 days
|Late payment fee
|Returned payment fee
For a better idea of how the Corpay Mastercard® stands up to other business cards on the market, select up to four cards and click Compare to see them side-by-side.
The Corpay Mastercard® has only just launched and hasn’t garnered much consumer response yet. Corpay itself has an A+ rating from the Better Business Bureau though it’s not accredited yet. The company also has a 4.3 out of 5 rating on Trustpilot as of January 2022.
For those interested in the Corpay One financial system or curious to check it out, the Corpay Mastercard® is a natural extension of the service that can help automate your payments while you earn a little back on your purchases. If you’re looking to push your business rewards or need a little more financial utility, however, you’ll want to check out other business cards on the market.
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