Comparing Ampla's Visa Corporate Card to 5 Top Business Credit Cards

Choosing the right business card is a critical decision. It impacts costs, how flexible you can be with spending, and how much time you’ll spend managing expenses. And there’s no shortage of choice, which makes it even more complicated. 

Ampla’s Visa Corporate Card is a new option. It’s unique because it was designed for consumer brands, whereas a lot of other options are for a general audience. Read on to see how it compares to some common options: Brex Corporate Card, AMEX Small Business Cards, Chase Ink Business Cards, Ramp Corporate Card, and CapitalOne Spark Credit Cards. 

Ampla Visa Corporate Card: The Card Built for Consumer Brands

Pros

• Multifaceted underwriting: based on liquidity, all revenue streams
• 1.5% cash back on all card spend*
• Limits grow with company revenue and takes into account seasonality
• Offers limited fluctuation on credit limits
• No personal guarantees
• No annual fees
• Streamline your finances and increase efficiency using our all-in-one, intuitive platform

Cons

• Limited category-specific rewards (e.g., no travel-specific perks or weighted points on travel).

Brex Corporate Card

Pros 

• Accepted wherever Mastercard is accepted
• Earn up to 7x back, which can be redeemed for cash back, credits, or even billboards
• 24/7 customer support
• No personal guarantees
• No annual fees

Cons

• Considers limited data for setting credit limits 
• Complicated rewards system

AMEX Small Business Cards

Pros

• Offers limited fluctuation on credit limits
• Various types of credit cards offer all kinds of rewards, from travel perks to points per dollar spent on eligible purchases to even baggage insurance for frequent business travelers 
• Some cards let businesses carry a balance for up to 60 days with no interest

Cons

• Most cards require an annual fee
• Some cards require a personal guarantee

Chase Ink Business Cards - Unlimited, Cash, Preferred, and Premier Cards

Pros

• Earn bonus points or bonus cash for spending $6,000 - $10,000 in the first 3 months of account opening 
• Uncomplicated rewards system – earn cash back or points on certain purchases 
• Cash and Unlimited Cards don’t require an annual fee

Cons

• Limits don’t grow with increase in revenue 
• May require personal guarantees
• Cash collateral required 

Ramp Corporate Card

Pros

• Lets you manage your expenses all in one place
• Automated receipt collection and mobile receipt capture
• No annual fees
• Issue unlimited cards – suitable for growing teams

Cons

• Considers limited data in underwriting 
• Limits don’t fluctuate based off of cash balance
• Serves primarily tech startups and not the CPG and consumer space

Capital One Spark Credit Cards

Pros

• Various types of cards offer all kinds of rewards, from simple 1% cashback to 10X miles on hotels and rental cars for frequent business travelers
• Most cards don’t have an annual fee
• Limited fluctuation on credit limits

Cons

• Limits don’t grow with increase in revenue
• Some cards require personal guarantees
• High variable APR

In Summary – the TLDR: 

When it comes to the Ampla Visa Corporate Card, the difference is in the underwriting. We understand that consumer brands have revenue from multiple sources and tend to experience peaks in seasonality that require higher limits; we cater our offering to these unique circumstances. And it’s simple - 1.5% cash back on all spend, no annual fees, and no credit checks. It’s ideal for the reality of running a growing consumer brand.

Like to travel? Need a personal concierge for theater tickets? The Ampla Visa Corporate Card wouldn’t be the choice. Its focus is on making managing your cash flow easier and more transparent. 

Options like the Brex Corporate Card shine for rewards on items like travel, or even buying billboard ad space. But it considers very limited data in setting your credit limits. 

On the other hand, AMEX Small Business Cards can be flexible with payment terms, but most require you to pay very large annual fees. 

Much like the Ampla Visa Corporate Card, the Chase Ink Business Cards generally have uncomplicated rewards systems, but they require personal guarantees and cash collateral. 

The Ramp Corporate Card is backed by a great tech infrastructure that even lets you capture receipt data through mobile, but credit limits don’t fluctuate based on cash balance. 

Lastly, Capital One Spark Credit Cards are also great options because they generally don’t have annual fees, but they have the highest APRs compared to other cards we’ve profiled in this blog post. 

Interested in the Ampla Visa Corporate Card? Apply today or schedule a call with one of our sales representatives.