Rho
$0/mo est.
- Card type
- Charge
- Purchase APR
- Pay in full, no interest
- FX fee
- Not published at source
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Rho
The Rho Corporate Card is a Mastercard charge card issued by Webster Bank, with no annual, per-user or software fees and no personal guarantee.
Best for
Incorporated US businesses that want a no-fee charge card with ERP sync included, and are willing to hold cash with Rho for monthly terms.
- Purchase APR
- Pay in full, no interest
- Annual fee
- $0
- Card type
- Charge
- Personal guarantee
- No personal guarantee
How Rho compares
All prices in USDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Fees only, at 5 cardholders and no foreign spend: the annual fee spread monthly, plus any software charged per cardholder. Excludes interest.
Airwallex Corporate Card
$0/mo est.
- Card type
- Debit (spends your balance)
- Purchase APR
- Not applicable
- FX fee
- None
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Mercury IO
$0/mo est.
- Card type
- Charge, cash-underwritten
- Purchase APR
- Pay in full, no interest
- FX fee
- Up to 3%
- Personal guarantee
- No personal guarantee
- Minimum to apply
- None
- Est. fees /mo
- $0/mo
Relay Visa Credit Card
$0/mo est.
- Card type
- Charge
- Purchase APR
- Not published at source
- FX fee
- Not published at source
- Personal guarantee
- Not published at source
- Minimum to apply
- $50K/mo revenue, or $20K/mo plus $25K cash
- Est. fees /mo
- $0/mo
Strengths and trade-offs
Pros
- No subscription, per-user or annual card fees
- NetSuite and Sage Intacct sync with no paid tier
- No personal guarantee and no personal credit check
- Every account starts on daily repayment terms
- Cashback, with a higher rate for businesses that bank their operations with Rho
Cons
- Sole proprietorships and unincorporated businesses cannot apply
- Monthly repayment needs a cash balance held at Rho or across linked accounts
- Foreign transaction fee on card spend is not published
- Late payments carry a fee and forfeit rewards
- The top cashback tier asks you to route payroll and revenue through Rho
About Rho
Rho is a financial technology platform, not a bank; its checking and card services are provided by Webster Bank, a division of Santander Bank, N.A. The Rho Corporate Card is a charge card on the Mastercard World Elite Business network: the full statement balance is paid each period rather than carried at an interest rate.
Rho charges no subscription, per-user or annual card fee, and physical, virtual and vendor cards are free. Its integrations page lists Xero, Sage Intacct, NetSuite and QuickBooks, with no paid tier. Every account starts on daily repayment terms, and monthly terms open once the business holds enough cash at Rho, or across Rho and linked external accounts.
Rho serves businesses incorporated in the United States with an EIN, and does not serve sole proprietorships or unincorporated businesses. It asks for no personal guarantee and no personal credit report.
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Compare Rho
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