Company debit & credit card comparison 2026: Top providers ranked

Debit and credit cards for companies differ in key aspects — from the number of cards issued and the cost structure to the available features. In the following company credit card comparison, we take a closer look at the top 10 providers to help you find the best company credit card for your business.

Company credit card comparison: evaluation criteria

In our comprehensive company credit card comparison, we analysed the offerings of ten leading fintech providers and banks. While larger companies often require a high number of physical and virtual cards, businesses operating internationally primarily look for simple and cost-effective ways to pay in foreign currencies. As requirements vary depending on a company’s individual needs, the best company credit card is determined based on a wide range of criteria.

Debit cards

The following points provide an overview of the key features:

Fees

The points below outline the most relevant costs and fees:

Security

The following criteria show how providers are positioned in terms of security and regulatory frameworks:

The best company debit and credit cards at a glance

In the following sections, the fintech providers amnis, Payoneer, PayPal, Revolut, Wise, Skrill, and Moss are compared with the online direct bank N26 as well as the traditional branch banks UBS and Deutsche Bank — all with the aim of identifying the best company credit card.

Note: Current data may vary depending on the region.

amnis

amnis is a Swiss fintech company primarily serving SMEs and large enterprises that operate internationally. amnis provides access to an ecosystem that enables businesses to connect to global payment rails in the United States, the EU, Switzerland, and the United Kingdom — regardless of their own location. This allows customers to significantly reduce costs that typically arise at traditional banks due to the expensive SWIFT network.

At the same time, amnis offers access to both physical and virtual Mastercard cards, enabling customers not only to hold foreign currencies but also to pay directly in them. This eliminates unnecessary currency conversions and helps avoid exchange rate costs, which are also 0% with amnis. The business debit cards support payments in virtually all currencies, either directly via amnis or through Mastercard.

Naturally, the cards are highly secure, supported by a clear separation of roles between users and administrators, spending limits, geoblocking, and the ability to deactivate or cancel cards at any time. All settings are available online 24/7, further enhancing security.

In addition, amnis offers AI-powered expense management through its new Expense AI feature, available in the amnis web app. Once activated, expense receipts uploaded for card transactions are automatically scanned, with categories and VAT details pre-filled by AI. This significantly reduces manual effort and helps finance teams process expenses faster and more accurately.

Beyond the Mastercard Business Bonus programme, users can also benefit from cashback on selected foreign currencies, making the multi-currency account even more attractive.

Payoneer

Payoneer is a payment service provider that enables businesses and individuals to receive and send payments in multiple currencies. To this end, Payoneer offers a platform for cross-border transactions that is particularly useful for freelancers, online sellers, and internationally active companies. With a Payoneer account, users can access local bank transfers, international transfers, e-wallets, and even card-based payments.

Another key product is the prepaid Mastercard, which is directly linked to the Payoneer account and can be used worldwide for payments and cash withdrawals. Transaction fees can be as high as 3.5%, depending on the destination and currency.

The annual account fee amounts to USD 29.95. However, this fee is waived if annual incoming payments exceed USD 2,000.

PayPal

Founded in 1998, PayPal has since grown into one of the most widely used fintech providers worldwide. PayPal enables businesses and consumers to send and receive online payments. Accounts can be linked directly to bank accounts, credit cards, or debit cards. In addition to standard transfers, PayPal also offers services such as buyer protection and merchant solutions, which are specifically designed for e-commerce websites and online merchants.

While standard PayPal accounts are available to consumers, the debit card is limited to freelancers and businesses. Users benefit from a cashback system offering 0.5% on selected purchases. PayPal also allows users to hold more than 25 currencies.

Naturally, a credit or debit card abroad can be used without issue. However, it should be noted that cash withdrawals at ATMs are always processed in the account’s primary currency. This can lead to unnecessary currency conversion costs, even if the foreign currency is already held in the account. Despite its many advantages, users should be aware of the relatively high fees associated with card usage.

Revolut

Revolut offers a wide range of banking and financial services via a mobile app and is particularly popular with users who travel frequently or carry out international transactions. Core features include sending and receiving money, currency exchange in more than 25 currencies at rates between 0.6% and 1%, and transactions priced at up to EUR 5.

The Revolut Business card provides a variety of features specifically designed for companies. Its multi-currency functionality allows users to hold, send, and spend money in over 25 currencies, making it especially attractive for businesses with international operations. However, FX limits and stop orders are only available with paid subscription plans.

Another useful feature is the automatic reminder for employees to submit receipts for expenses, which simplifies expense management. Despite its many advantages, users should be aware that fees can add up quickly when carrying out a high number of transactions.

Wise

Founded in 2011, Wise specialises in low-cost and fast international money transfers. Wise enables individuals and businesses to send and receive money in multiple currencies, often at significantly lower costs than traditional banks. Exchange fees start from 0.33%, depending on the currency and region.

Wise also offers debit cards that can be used worldwide. Additional fees apply and vary by market. In the United States, for example, the Wise Business card is only available to sole proprietors and single-member LLCs.

A virtual debit card can be used with Google Pay or Apple Pay, providing added flexibility for employees. Each customer can receive a maximum of one physical card and three virtual cards, which makes Wise more suitable for smaller businesses.

Skrill

Skrill is used by both individuals and businesses to make payments and transfer money. The company also offers prepaid Mastercards that are linked to the Skrill account and can be used worldwide for purchases and cash withdrawals.

The Skrill Business card offers several features designed for business use. However, fees are relatively high: a EUR 10 fee applies for issuing a new card, along with an additional EUR 10 annual fee. Transactions in foreign currencies are subject to a 3.99% exchange fee.

The Skrill card is particularly suitable for e-commerce professionals, freelancers, and companies that regularly transfer funds in multiple currencies. It enables fast and secure payments and allows business expenses to be managed via an e-wallet.

Moss

oss is the final fintech platform in our company credit card comparison. The provider specialises in financial solutions for small businesses. Through the Moss platform, companies gain access to a range of services, including business accounts, payment solutions, and administrative tools.

Moss offers both debit and credit cards, with fees depending on the selected plan. A key highlight is the wide variety of card types available in unlimited quantities, allowing businesses to tailor card usage to their specific needs.

These include physical and virtual prepaid debit cards. This ensures that departments, individual employees, and even interns can be issued the appropriate cards for their roles. It is important to note that Moss does not allow ATM withdrawals.

N26

N26 is a German direct bank founded in 2013 and headquartered in Berlin. Direct banks operate primarily through digital channels such as websites and mobile apps, enabling customers to open accounts, make transfers, apply for loans, and manage their banking entirely online.

The N26 card is a debit card designed specifically for freelancers. It is available in both physical and virtual formats and supports Apple Pay and Google Pay. Monthly fees start from EUR 0 (including one virtual card), while cashless transactions are free of charge. Deposits are protected up to EUR 100,000.

UBS

With UBS (Union Bank of Switzerland), we include the first traditional bank in our company credit card comparison. UBS is one of Switzerland’s largest and most established banks, with a global presence. Founded in 1862, it is headquartered in Zurich and is known for its comprehensive financial services, ranging from private banking and asset management to investment banking.

UBS offers a wide selection of debit and credit cards for both consumers and businesses. These cards are available in physical and virtual formats and are compatible with Apple Pay, Google Pay, and Samsung Pay. The annual fee is CHF 80 after the first free year. A second year of free usage is possible if an additional insurance product is taken out.

Deutsche Bank

Deutsche Bank is one of Germany’s largest and most well-known banks and a major international financial institution headquartered in Frankfurt am Main. Its offering spans corporate and investment banking as well as asset and wealth management.

Deutsche Bank provides both debit and credit cards for business customers. International transactions start at 1%, with a minimum fee of EUR 5.99. Payments in foreign currencies incur an additional 0.5% FX markup. The Mastercard Business Bonus programme offers additional benefits for business card usage.

Conclusion: amnis delivers across the board

In the company credit card comparison, amnis stands out in particular for its attractive cost structure, efficient international transactions, and flexible use of multiple currencies. With amnis, businesses can receive, hold, and send more than 20 currencies — without automatic conversion into their home currency.

International payments can be processed seamlessly via multiple global payment rails, allowing companies to fully bypass the SWIFT network. In addition, amnis offers an unlimited number of virtual debit cards as well as up to 250 physical debit cards. Customised setups are also available on request.

Beyond this, amnis provides a comprehensive service package: a multi-currency account supporting more than 20 currencies, fee-free physical and virtual business debit cards, auto accounting for recurring card transactions, and AI-powered support for expense management, significantly simplifying receipt capture and allocation.

The offering is complemented by numerous integrations for accounting and expense tools, a powerful API for custom integrations, and 24/7 self-service for centrally managing all financial operations.

Book a free live demo and experience amnis in practice.

Elena Tankovski · Senior Content Writer

As a senior content writer at amnis, I keep SMEs informed with updates on topics like the FX market, international business and the latest news through our blog and FAQ page.