Finance
8 Best Business Prepaid Cards

Editorial and Partnership Disclosure
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Prepaid business cards allow you to load funds in advance, helping you stay on budget while controlling employee spending. The best prepaid cards offer low fees, flexible ways to reload, and helpful tools, like an online dashboard to track and manage expenses. Since these aren’t credit cards, approval is quick and easy, making them a great option for businesses of all sizes.
Here are the top eight business prepaid cards:
Overview of the Best Prepaid Business Card
Emburse Spend Card: Overall Best Business Prepaid Card for Earning Fixed-rate Cash Back on All Purchases
Why We Like It
The Emburse Spend Card stands out in our list because it offers unlimited 1% cash back and no local transaction fees. It allows real-time transaction tracking, issues unlimited employee cards for free, and integrates with expense management platforms for seamless financial tracking.
- Fees: Free for businesses with under 100 employees. Custom pricing applies for larger organizations.
- Free trial: Offers a 30-day free trial to explore features
- Funding method: Connect your business bank account for ACH transfers to load funds onto cards. ATM withdrawals are not supported.
- Ideal for: Those who want to automate their expense policies and approval workflows
Benefits and Features
- Emburse Card Issuing: Issue virtual and physical cards for employees.
- Expense Policy Controls: Set spending limits and enforce policies.
- Accrual Accounting Sync: Automatically track expenses by accrual accounting.
- ACH Reimbursements: Reimburse employees via ACH transfers.
- ERP and Accounting Connections: Seamlessly integrate with Netsuite, Intacct, QuickBooks Online, and Xero.
- Email Support: Access prompt assistance via email.
- SAML-Based SSO: Ensure secure, single sign-on access.
Customer Support
Rippling offers customer support via phone, email, and chat. They also provide online resources such as FAQs, guides, and video tutorials to assist users with any issues or questions they may have.
Security
Rippling prioritizes the security of user data and transactions. They utilize encryption technology to protect sensitive information and comply with industry standards for data security.
Final Verdict
Rippling Spend Corporate Card is an excellent choice for businesses looking to streamline their employee spending, expenses, and payroll management. With its all-in-one platform and efficient automation features, Rippling makes it easy for companies to control and monitor their finances effectively. Overall, Rippling is a comprehensive solution for small to midsize businesses seeking to simplify their financial processes.
Additionally, the exclusive partner rewards make it a great choice for businesses looking to maximize their benefits.
For more information on the Rho Card, you can read our review of Rippling.
It provides cash back on purchases, $600,000-plus in partner perks, and simplifies expense management—all with $0 annual or subscription fees.
- Fees: No monthly subscription
- Free trial: Not available
- Funding method: Set up ACH or wire transfers through the Banking Tab on the Rho platform.
- Ideal for: US incorporated businesses (not available for sole proprietorships or unincorporated entities)
Benefits & Features
- Up to 1.25% cash back: Earn 1.25% cash back for 1-day repayment terms; cash back decreases for longer terms, up to 60 days.
- Over $600,000 in partner perks: Access perks from partners like QuickBooks, AWS, Google Cloud, and more.
- Advanced expense management tools: Streamline reimbursements, approvals, and reporting.
- No personal guarantee or credit check required: Easily qualify without affecting your credit.
- Scalable credit limits: Limits increase as your business grows.
- Unlimited virtual and physical cards: Issue cards with customizable spending limits and restrictions.
Brink’s Business Expense Card: Best for Free Starter Package
The Brink’s Business Expense Card stands out for its free starter package, offering businesses a cost-effective way to manage expenses. It provides two card options: fixed-value cards for per-diems or one-time requests and spend-limit cards for daily expenses.
Key tools like employee cards, spending controls, and real-time tracking are included, making it ideal for budget-conscious businesses. Fees for the Brink’s Business Expense Card include free cards for the business owner and one team member, with a 60-day free trial and $0 setup fees. Funds can be loaded through the mobile app’s Funds tab, making it easy to manage finances on the go. This card is perfect for businesses needing up to two cards to maximize the free starter package.
Benefits and features of the Brink’s Business Expense Card include a real-time dashboard to track spending, admin controls for oversight, customizable reports for easier bookkeeping, automatic transfers for convenient reloads, and the ability to create virtual cards instantly. Additionally, banking services are provided by Bancorp Bank (Member FDIC).
For businesses needing to load up to $10,000 per card, the dash™ Prepaid Mastercard® is a great option. Issued by Sunrise Banks, N.A. (Member FDIC), this card allows for loading up to $100,000 across the entire account. It offers tools to manage employee spending, track transactions in real time, and set spending limits, making it a comprehensive solution for businesses with higher spending needs. With flexible reload options, the PEX Visa Business Prepaid Card is a great fit for companies handling significant operational expenses. It offers $0 setup and monthly or annual fees, with transaction fees that may apply. Businesses can load funds via ACH transfers, direct deposit, or through the card management platform. This card is ideal for businesses requiring high-load limits for operational expenses.
The PEX Visa Business Prepaid Card is known for its highly customizable payment platform, allowing businesses to have complete control over spending. It offers real-time visibility into expenses, making it easier to track and manage spending. With advanced tracking tools and seamless integration with accounting software, it is an excellent choice for businesses needing tailored payment solutions.
Monthly plans for the PEX Visa Business Prepaid Card start at $0 to $200, with three plans to choose from: Base, Core, and Pro. It also offers a 60-day free trial for new users. Business owners who want real-time visibility into their business expenses will find this card beneficial.
Key features of the PEX Visa Business Prepaid Card include customizable controls, real-time tracking, integration options with accounting software, the ability to issue unlimited cards, and simplified expense reporting with detailed transaction reports and receipt uploads. Please note that the maximum balance for any single PEX card is $25,000.
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