Who needs a business credit card?

The self-employed and companies that want to keep business spending separate, settle travel expenses or give employees cards with limits.

What sets a business card apart from a private card?

Business cards usually offer multiple cards, spending controls, accounting integration and benefits tailored to business needs. Creditworthiness often relates to the company.

Business & Corporate Credit Cards 2026

Business and corporate credit cards separate business from private spending, simplifying accounting and travel expense reports. Depending on the provider, there are multiple cards for employees, spending limits, cashback on business expenses and integrations with accounting tools.

Who is it for?

For the self-employed, freelancers and companies that want to cleanly separate and better control business spending.

What to look out for

Multiple employee cards and individual limits
Accounting integrations / transaction export
Cashback or miles on business expenses
Annual fee per card and included services

Recommendations compared

American Express Business Platinum Card – Premium business card with lounge access and top services. Annual fee: 850 € · Bonus: +600 € · Rating: 8.7/10
American Express Business Gold Card – Earn points and manage business spending flexibly. Annual fee: 175 € · Bonus: +150 € · Rating: 8.6/10
American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs. Annual fee: 70 € · Bonus: — · Rating: 8.4/10
Miles & More Gold Credit Card Business – The miles card for business spending and travel. Annual fee: 138 € · Bonus: — · Rating: 8.4/10
Moss Credit Mastercard – Business credit card with spend control – Starter with no base fee. Annual fee: 0 € · Bonus: — · Rating: 8.3/10
Pleo Starter Firmenkarte – Company cards with spend management for teams. Annual fee: 48 € · Bonus: — · Rating: 8.2/10

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive. No affiliate links.

Frequently asked questions

Who needs a business credit card?: The self-employed and companies that want to keep business spending separate, settle travel expenses or give employees cards with limits.
What sets a business card apart from a private card?: Business cards usually offer multiple cards, spending controls, accounting integration and benefits tailored to business needs. Creditworthiness often relates to the company.

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