Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Corpay Mastercard® review

A straightforward cashback business card that can earn up to 1.5% on qualifying spend.

  • 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.
No reviews yet. Write a review

Up to 1.5%

Cash back


Annual fee


Recommended credit score


Annual fee$0
Welcome offerN/A
Rewards1.5% on qualifying spend
Purchase APRN/A
Balance transfer APRN/A
Minimum credit score620
Apply now

Review by

Steven Dashiell is a senior personal finance writer at Finder, specializing in all things banking and credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their banking rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured in U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living, among other top publications.

Expert review

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 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.

Corpay Mastercard® benefits

  • Earn cash back. You’ll earn 1.5% cash back on all eligible purchases. To earn this rate however, you’ll need to pay at least one bill through Corpay One for the month. If you don’t pay at least one bill through Corpay One, you’ll earn 1% on your spend instead.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Sizable credit limit. Depending on your credit score, you can automatically receive a credit limit up to $50,000. This is a sizable limit for a card designed for small and mid-size businesses, but you can also request an even higher credit limit of up to $100,000.
  • Business finances integration. You can manage employee card spending limits and set up automatic bill payments through your Corpay One account.

Corpay Mastercard® drawbacks

  • Charge card. If you need to carry a balance on your business expenses, you’ll need to look elsewhere. You’ll need to pay off your balance in full every 21 days.
  • Average cash back. Unless you’re paying off your bills through Corpay One, you’ll earn just 1% back on your purchases with this card. It’s not uncommon to find business cards that earn 2% back on all purchases or even more in select categories.
  • Potentially high fees. The Corpay Mastercard® can hit you with some sizable fees if you’re not careful. Late fees, for example, run the greater of $75 or 12.25% of your new balance and returned payments will cost you $50 per occurrence.
  • High credit risk fee. Should your credit score fall below 600, Corpay One may deem your account “high risk.” This can result in your card terms changing, as well as the addition of a $5 fee per transaction made with the Corpay Mastercard®.

Compare more business credit cards

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.

1 - 3 of 29
Name Product Rewards Purchase APR Annual fee
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Up to 1.5% cash back
0% intro for the first 9 billing cycles (then 16.74% to 26.74% variable)
$300 statement credit online bonus after making at least $3,000 in net purchases in the first 90 days of account opening.
Alaska Airlines Visa® Business card
Alaska Airlines Visa® Business card
From 1x miles
20.49% to 28.49% variable
Get 70,000 bonus miles after you make $4,000 in purchases within the first 90 days of opening your account.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
From 1.5x points
0% intro for the first 9 billing cycles (then 16.74% to 26.74% variable)
30,000 online bonus points after making at least $3,000 in net purchases in the first 90 days of account opening.

Corpay Mastercard® customer reviews and complaints

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.

Bottom line

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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site