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Corporate vs. Business Credit Card: What is the Difference?

Leen Shami

October 10, 2022

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Corporate credit card vs. a business credit card. You might have heard both terms used interchangeably, but what's the difference?

Primarily, corporate cards are issued to large businesses with many employees, while business credit cards are designed for smaller businesses. Corporate cards generally have higher spending limits and may offer more perks than business cards due to their volume.

This post will cover the main differences so you can decide which card is best for your business.

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What is a Business Credit Card?

A business credit card is a commercial payment solution for companies and businesses. Similar to a personal credit card, business credit cards are used when business-related purchases are made on credit provided by one of the credit card companies.

Banks in the UAE and MENA offer various business credit cards for small, medium, and large companies. 

Business credit cards usually offer higher credit limits than personal credit cards and may come with exclusive privileges, such as free travel insurance, concierge services, and air miles.

In the case of small businesses, a personal credit score will play an important role in credit limit approval.

What is a Corporate Credit Card?

A corporate credit card is issued to company employees to help with business expenses. The company will be liable for any debts incurred on the card.

It is important to note that corporate cards are not personal credit cards and should only be used for business purposes.

Financial institutions expect you to spend more with a corporate card than a business card, as the companies that require those cards are usually bigger. Therefore, the company must have a good credit score to qualify. This can come with various perks, such as lower interest rates, extended grace periods, and, most importantly - higher spending limits.

At the same time, there can be some drawbacks, such as:

  • Long approval periods due to the nature of the financial product.
  • Limited online features for your cards and company spend management. 

What is a Pluto Card?

Pluto is MENA's corporate card that helps finance teams take control of their company's expenses while saving their business time & money. While Pluto can't give you a line of credit, you will be able to instantly issue as many business and corporate cards as you need while getting a complete overview of your business's spend management on one dashboard.

Pluto Virtual & Physical Corporate Cards

Virtual credit cards

Virtual cards are corporate credit card numbers used for online business-related purchases and contactless payments.

Although there is no physical card, virtual credit cards are great as they are flexible, convenient, and controllable.

With virtual credit cards, you can:

  • Issue unlimited virtual credit cards/employee cards;
  • Create a virtual credit card within seconds;
  • Set employee spending limits to avoid going over budget;
  • Generate a one-time use purchase card that deactivates as soon as it is used;
  • Set purchases to be made with specific vendors so the card can't be used for other purchases;

Chances are that if you need a virtual credit card at your existing bank, it might take quite some time, and the reporting and limit setting options might not be very user-friendly.

While Pluto cannot provide you with credit cards, we can issue as many virtual cards as you need with just a few clicks:

Physical credit cards

Physical corporate credit cards serve the same purpose as virtual and business credit cards, making payments. Unlike virtual cards, physical corporate credit cards can be used in person to make purchases.

While both virtual and physical credit cards are comparable, the main differences are:

  • Physical corporate credit cards may take up to 3 business days to be delivered.
  • Virtual cards cannot be used physically.
  • Virtual cards are safer for the user, as they cannot be lost or stolen.

Benefits and perks

The benefits and perks differ for business and corporate credit cards and Pluto cards.

Business & corporate credit cards:

  • Receive Business reward points for purchases made that can be redeemed for future purchases.

Pluto cards:

Pluto Corporate Card Perks

Why are Business Credit Cards and Corporate Credit Cards Different?

Now you know the main difference between business and corporate cards, but let's investigate some of them in more detail.

Expense management tools

Business credit cards are frequently limited to your online banking platform. In the case of corporate credit cards, you may get something slightly better - an enterprise solution.

But from what we have seen, the speed of card issuing or limit changes is usually lacking.

Pluto doesn't give you a credit line, but here is a list of things that Pluto's expense management platform does:

  • Unlimited corporate cards (within seconds);
  • Set spending limits on corporate cards to avoid going over budget or being overcharged;
  • Issue one-time purchase cards that deactivate after being used;
  • Real-time transactional data - know what (and where) is being spent in real-time;
  • Ability to oversee company financials and receive instantaneous expense reports;
  • Automated accounting; 
  • Sync transactional data to major accounting platforms;
  • Simple and quick reimbursements;
  • Digitized receipt reconciliation;
  • Close books in hours, not days.

Corporate and business card fees

The fees that you might have to pay on corporate and business cards fall into two main categories:

Annual fees

For business and corporate credit cards, annual fees may differ depending on the bank or credit card issuer you choose to move forward with. Typically, the UAE's yearly fees range from 0-800 AED, with 'free for life' being the most popular.

If there are any fees, you can typically waive them by spending a certain amount per year.

Pluto cards do not have any annual fees and are entirely free; however, if you're a large corporation that wants unlimited users, custom ERP integrations, or a dedicated account manager, there will be a monthly subscription fee.

FX fees

Business and corporate credit cards tend to incur FX fees, making it expensive for a company owner, a small business, or a large business to do any transactions outside their domestic currency.

FX fees can be high, and credit card issuers are usually not transparent with the fees that come with them. Typically, fees come in the form of an FX spread and are hidden inside your payment, meaning you might be paying 2-6% for a transaction in a different currency.

Just imagine how much of your spending is in a different currency and take an optimistic 4% fee from that amount. Now multiply it by five years.

Pluto does not charge FX fees, making it the perfect choice for companies or businesses that frequently transact in foreign currencies.

Application & Approval Process

You must wait around two weeks for a business credit card approval. After the approval process, it may take up to 10 business days to receive your business credit card.

With a corporate credit card, the time may vary, but the chances are that you will need to wait more than 5 business days before you get approved.

From our experience, when you need an expense card - you need it on the spot!

Pluto has adopted a KYB & KYC (know your business and client) process that allows us to onboard customers in minutes. After you set up your account, you can start issuing virtual cards and continue your work without halts or limitations.

Corporate vs. Business Credit Cards Pros and Cons

While a corporate credit card and a business credit card may be comparable in some aspects, there are some differences between the two financial products.

Business credit card pros

  • Available for most businesses in their standard banking products;
  • Standard application process with low business requirements;

Business credit card cons

  • Usually limited in numbers, one card is internally shared amongst many employees. That creates bottlenecks in spending and raises various security risks;
  • Non-existent (or very limited) spend management platforms to monitor your reporting;
  • No virtual cards;
  • High FX fees;

Corporate credit card pros

  • Higher spending limits;
  • Possibility to issue several cards;
  • Safe & secure, as information is not being shared;

Corporate credit card cons

  • Longer approval process;
  • High FX fees;

While the pros and cons for both types of cards may vary, the final decision will be based on the size of your business.

Why Pick Pluto Card for Business and Corporate Users?

As mentioned, Pluto won't give you a line of credit; instead, Pluto provides you with an all-in-one expense management solution. 

Pluto's spend management platform

  • All your business expenses are at your reach on Pluto's dashboard;
  • Control over all issued cards and their limits;
  • Creation of unlimited virtual cards;
  • Real-time expense reporting;
Pluto's Dashboard

Approval workflow on Pluto

Once you have access to Pluto's expense management dashboard, you'll also be able to set up approval flows and automation.

With Pluto's approval workflow, you can:

  • Get visibility and control over your expenses;
  • Streamline how you manage your spending;
  • Automatically direct approvals to the right employees;
  • Create approval flows within departments;
Pluto Card Approval Workflow

Real-time expense reports

With Pluto cards, you'll gain real-time transactional data on company spending while being able to set strict budget limits.

This will also help you make informed decisions about allocating resources and improving your P&L.

Additionally, you can also set up notifications to be sent to your accounting or finance team whenever a transaction is made. This way, they'll always be in the loop and can take appropriate action if needed.

Which Card is Best for My Business?

The final pick of the card will depend on several factors related to your business.

Industry

The needs of companies based on their industries may differ. Consulting businesses need a flexible card solution with no FX fees, as their employees travel frequently. Digital agencies need multiple virtual cards to onboard new projects and pay for ad networks daily.

Consider the needs relevant to your industry and decide from there. While Pluto is an excellent pick for all industries (as we have a very versatile product), here are some of the use cases that illustrate the needs and how Pluto solves them:

Size

Annual revenue, the number of employees, and spending volume will also come into play when making your decision.

If it is just you or a couple of employees, you may not need many cards (or you might take advantage of Pluto's virtual cards).

On the other hand, if you have a sales team that needs to pay for lunches with prospects every second day, one card in the business owner's name will be problematic! 

Control

How much control do you need over your spending? Classic credit cards (be it business or corporate) usually have just a few features that are extensions of your online banking.

In some cases, that might be enough. If there is one card and one person using it - setting limits and monitoring the spending is not an issue.

Pluto comes into play when you have several holders and many cards, as you can set custom limits on cards. Real-time reports of spending suddenly become very important to increase and decrease limits on the go.

Pluto Corporate Card Budget Control

Key Takeaways

  • Business credit card is the best fit for small business owners; they offer a standardized solution.
  • Corporate credit cards are for bigger companies, allowing higher spending and slightly better control.
  • Pluto cards (used for all business sizes) can provide unlimited virtual cards and give you access to an all-in-one expense management platform.

FAQ

Does a corporate credit card affect my credit score?

A corporate card is a company's liability and does not affect your credit score, and you will not see them on your personal credit report. Pluto cards do not affect your credit score in any way (as they do not provide loans or credit facilities).

What is the difference between a business and a corporate credit card?

The main difference between small business credit cards is the size of the company that uses them, followed by credit limits and available control features. Pluto provides cards to corporations and businesses through the all-in-one spend management platform.

What is meant by a corporate credit card?

A corporate credit card refers to a card provided by the company to the employee for various business-related expenses.

Is a corporate card the same as a credit card?

Credit cards primarily draw from an approved loan balance, while corporate card programs are just an extension to a dedicated corporate account. But the terms are used interchangeably nowadays.

What is the difference between corporate and domestic credit cards?

A domestic card may refer to a debit card or a card issued by your local bank for your local use. Corporate cards are accepted internationally, at the ATM, or online.

Can a corporate card be used for personal use?

No. By default, corporate cards have to be used for business expenses, which are reported into accounting, but most importantly, it is the company's money on that card. The only exception will be if your company allows it.

What is the advantage of a corporate credit card?

Usually, it comes down to higher spending limiting. Compared to small business credit cards, corporate credit card debt does not usually require a personal guarantee, as the company guarantees it.

In the case of Pluto's corporate card, we can also add - unlimited virtual cards, real-time team-wide spend control, instantaneous reporting, and no FX fees!

Does a corporate credit card affect my credit score?

No. If the corporate credit card has a credit facility attached to it (it usually does), it is a company liability, not a personal liability. You are given access to a portion of their credit facility that does not fall into the personal loans group, and you do not need to provide personal guarantees.

Can my company require me to put business travel on my own credit card?

No, the company cannot force you to put business expenses on your credit card, but it is sometimes easier for everyone. So, if you agree with that, and the company agrees to reimburse you - it is not a problem. 

If you are looking for a better solution, let the Pluto team know, and we will provide you with an easy corporate card platform for your whole team.

Do corporate credit cards require a credit check?

A corporate credit card (in its classical meaning) is attached to a loan facility. To approve this loan facility, banks must do a company credit check. 

Find out how much your business can save with Pluto

Discover your savings with Pluto's Cost Saving Calculator and take control of your expenses. Unlock cost-efficiency now!

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Learn how Pluto is helping Keyper        to eliminate petty cash spending and optimize spend management

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At Pluto Card, our mission is to assist businesses of all scales make well-informed choices. To uphold our standards, we follow editorial guidelines to guarantee that our content consistently aligns with our high-quality benchmarks.

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Procurement
November 2, 2023

Mohammed Ridwan

Why A Legacy ERP Is Not Enough For Modern Procurement Teams

In today's fast-paced business environment, most organisations rely on Enterprise Resource Planning (ERP) systems as foundational tools to manage and integrate various business processes. ERPs traditionally offer a broad spectrum of functionalities, assisting in handling essential operations such as procurement, data management, accounting, and supply chain management.

ERP systems provide a comprehensive suite of software functionalities to enhance and optimise various aspects of business operations. Over time, these systems have evolved, shifting from on-premises solutions to cloud-based platforms. However, organisations still face challenges when implementing ERP solutions across their enterprise.

One significant aspect often overlooked in ERP systems is their limitation regarding financial operations & intelligence. ERP solutions primarily focus on improving business processes and management but do not directly handle monetary transactions or provide financial products. This necessitates the integration of external financial institutions and banks with ERP systems.

Moreover, traditional ERP systems struggle to keep pace with the dynamic demands of modern procurement, particularly in the ever-evolving supply chain environment. Today, ERP systems need to be more proactive, incorporating features like real-time analytics and flexible processes to meet the ever-shifting requirements of procurement. Adapting to these changes is essential for businesses aiming to enhance their procurement efficiency and agility.

ERP Systems vs Procurement Solutions: How Are They Different?

ERP systems were initially designed to automate business processes and offer insights for internal controls, while procurement solutions comprehensively manage the ecosystem.

A P2P or a procurement solution is primarily built to meet an organisation's procurement and supply chain needs, an arena always problematic for traditional ERP.

Innovative organisations are now adopting leaner and cheaper solutions for their procurement processes. These tools can deftly handle specialised tasks and yield instant results.

Limitations of ERP

Factors like market volatility, evolving work dynamics, and shifting supply chains have made it challenging for businesses to integrate their procurement processes into their current ERP systems. Hence, it is vital to use specialised solutions to cater to dynamic business processes.

But before exploring the benefits of specialised solutions, let us consider the limitations of ERP:

Long Implementation Duration that Impedes ROI

Customising legacy ERP to meet procurement or supply needs is a hassle. It contributes to a longer implementation duration lasting several months. Customisation projects are resource-intensive. That makes a fast ROI virtually impossible to achieve.

Moreover, businesses must hire ERP consultants or trained partners for the implementation. The success rate and the implementation duration heavily depend on the expertise of such third parties.

With many companies already strung tight regarding capital, implementing legacy ERP to function as procurement systems may prove counterproductive.

Expensive Implementation and Maintenance

Legacy ERP licenses come at a high price. Depending on your software, ERP implementation costs can range from $150,000 to $750,000.

Moreover, procurement processes almost always require extra modules that can further increase costs. It also includes the additional burden of maintenance costs and training employees to use the software.

Failures To Meet Business Goals

The success rate of ERP implementation is dwindling. Recent studies from Gartner indicate that the failure rates of ERP implementations can exceed 75%. McKinsey, a reputed global consultancy, supports this claim as it quantifies the failure rate of all digital transformations to be higher than 70%.

One famous example is Hershey's ERP implementation failure in 1996 as they set out to replace their legacy IT systems with an integrated ERP environment. They chose SAP's R/3 ERP software, and an implementation time of 48 months was recommended, which was later cut down to 30 months. The result - a $10 million investment leading to a loss of $150 million in revenue, a 19% reduction in share price, and a 12% loss in international market share.

With such massive costs and periods involved in achieving numbers from legacy ERP solutions, using specialized procurement systems can make achieving business objectives far easier.

Lack of analytics and insights

ERP systems often fail to deliver the necessary analytics and data for effective operations. Managing vast volumes of data within these systems can be daunting. Challenges include ensuring data quality, the lack of real-time insights, limited data analysis capabilities, and integration issues with other software applications.

Poor User Experience

Many ERP systems require makeshift solutions to modify their functionality according to user demands, leading to frustration with end-users.

Legacy ERP systems are notoriously complex, making them challenging for end-users. Frequently, users must navigate between multiple interfaces, hindering productivity and adoption.

Furthermore, the lack of mobile apps and scattered functionalities exacerbate the issue—problems that a dedicated procurement solution can readily address.

Complex User Interfaces

ERP systems offer enterprise-grade capabilities, yet their inherent complexity and poor user experience pose significant challenges. Users often struggle with confusion, as traditional ERPs are overly intricate. The need for add-ons further exacerbates the complexity, as these additions must seamlessly integrate with the existing ERP system. This constant juggling of different user interfaces not only hampers productivity but also hinders widespread adoption.

Compromised Collaboration

One of the most disappointing aspects of legacy ERP systems is the lack of in-built communication channels. ERP systems struggle with establishing themselves as a medium of dialogue between internal business users and external suppliers, as they are not accessible from outside the business network. It tangles communication channels through unnecessary phone calls and scattered information exchange lines.  

They are also severely limited in their capacity to maintain supplier pipelines, requiring most data to be entered and managed through several spreadsheets.  

Urgent reports, design changes, and other important information cannot be communicated promptly, which may lead to losses. It leads to unnecessary time consumption and inaccuracies.

Solving ERP Issues with Dedicated Procurement Solutions

Addressing the limitations of ERP systems, organisations are increasingly turning to dedicated procurement solutions to streamline their purchasing processes and enhance efficiency. These specialised solutions offer advanced analytics, real-time insights, and improved data quality, making it easier for businesses to manage their procurement operations effectively.

By integrating dedicated procurement solutions with their ERP systems, organisations can bridge the gap between data management challenges and their need for comprehensive procurement intelligence, ultimately driving better decision-making and cost savings.

Addresses Overspending Issues

Integrating P2P software with ERP can prevent overspending in procurement. By harnessing ERP with eProcurement solutions, you can efficiently assess expenses across purchasing categories.

It allows you to manage budgets and increase savings. Moreover, integrating procurement solutions with ERP simplifies procurement management by automating approval processes.

Boosts Vendor Collaboration

Vendor collaboration is one of the most essential aspects of procurement. Keeping them informed of the relevant business operations helps avoid miscommunication.

By integrating procurement solutions with ERP systems, buyers and suppliers can access real-time data, empowering them to make informed decisions. This integration brings advantages such as:

  • Enhanced collaboration: Seamless collaboration between buyers and sellers, achieved through transparent access to purchase orders, invoices, and receipts.
  • Supplier empowerment: Suppliers are empowered with real-time insights into payment statuses via a supplier portal, which enables sound financial planning.
  • Stronger buyer-supplier relationship: Heightened transparency nurtures and strengthens the critical relationships between buyers and suppliers, a fundamental cornerstone for any successful business.
  • Improves Scalability and Flexibility

As businesses expand, stakeholders must seek platforms that can swiftly adapt to increased operational demands and changes in the operational cycle.

Procurement software provides essential features like mobile and remote access that most businesses require to scale operations. It also allows businesses to create highly specialised and efficient platforms, saving money, time, and human resources.

Helps Eradicate Duplication Issues

Procurement solutions can help connect all departments to ensure office supply orders are placed through a centralised system. They help share real-time data across tech, IT, finance and accounting, HR, sales, and marketing teams. It helps prevent duplicate purchases by coordinating buying across departments. Improved coordination also allows teams to maximise discounts and negotiation opportunities while saving time, money, and effort.

Reduces Procurement Errors Through Automation

Specialised software can help organisations optimise deals, accelerate processes, and reduce errors through automation. It helps allocate repetitive and simple tasks to the system rather than to users.

For example, businesses can automate their supply ordering with this technology. Automation helps set limits to ensure timely orders, prevent shortages, and follow any restrictions they have in place.

Handles Compliance and Risk Management Issues

Managing procurement-related risks and complying with regulations can be pretty challenging. An ERP-procurement integration empowers the software to handle compliance matters and mitigate risks during procurement processes, even involving multi-currency transactions.

Supplier Performance Management

Managing supplier performance during the procurement process can be quite challenging without the right tools at your disposal. However, by integrating procurement software with an ERP system, you can simplify collecting and analysing data related to supplier performance.

This valuable information encompasses delivery times, product quality, and responsiveness, enabling you to decide whether to maintain or end supplier relationships.

Inventory Management

Inadequate inventory management can result in too much or too little stock. These outcomes affect working capital and operational efficiency. One practical approach to tackle this problem is integrating procurement solutions with ERP systems. Such integration offers benefits like:

  • Real-time visibility into inventory levels, allowing for monitoring.
  • Automated reordering process, reducing the burden on manual efforts.

For example, a supermarket chain can leverage sales data to automate the reordering of items, minimising waste and ensuring the availability of products.

Provides Analytics for Better Insights

By integrating procurement solutions with ERP, businesses gain a flexible data model capable of handling big data. It manages the data and offers valuable insights to enhance information generation, storage, and decision-making. Procurement software encompasses advanced spend analytics, supplier benchmarks, and comprehensive performance management.

Drastically Improves End-User Experience

Procurement solutions are built from the ground up, keeping procurement operations as the top priority. It helps avoid a cluttered, mismanaged UI that comes with legacy ERPs, enabling users to be more productive.

End-users can adapt to changes in the software much quicker, increasing efficiency.

Conclusion

Procurement and sourcing processes require a dedicated platform in 2023. Unlike legacy ERP, such dedicated solutions can handle complex sourcing and procurement operations. They ensure a streamlined and seamless flow of relevant information between internal business organisations and external suppliers, allowing all stakeholders to have complete project visibility.

The outcome of implementing a smaller yet far more efficient tool will facilitate faster time to market, subsequently letting you achieve your ROI at an expedited rate.

While customising an ERP may sound enticing, opting for an eProcurement solution is smarter.

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Updates
December 7, 2023

Mohammed Ridwan

Pluto Wins Big at the MENA Fintech Awards

The MENA Fintech Awards, a prestigious event within the financial technology industry, recently celebrated the most innovative and impactful solutions in the sector. 

We at Pluto are thrilled to announce that our company has been honoured with the 'Best Corporate Solution' award! This recognition is a testament to our team's hard work, dedication, and innovative approach in the fintech space.

Our co-founders, having spent a considerable part of their lives in the UAE. Working within the fintech sector, identified a significant gap in the region's finance sector. They observed that the tools, platforms, and software available to CFOs and finance teams were not only outdated but also overly complex, hindering efficient financial management.

With Pluto, they embarked on a mission to develop a software solution that would change how mid to enterprise level businesses handled their finances. 

The MENA Fintech Awards, organised in collaboration with the MENA Fintech Association, are designed to recognize excellence and innovation in financial technology. These awards are a highlight of the Abu Dhabi Finance Week (ADFinanceWeek), an event that fosters innovation and growth in the fintech sector. The 'Best Corporate Solution' category, in which we were victorious, emphasises practical, innovative solutions that address significant corporate financial challenges.

Our award-winning solution, the Pluto Card, addresses various corporate financial management needs. It offers features like employee reimbursements, petty cash management, and an efficient account payable cycle, along with robust accounting integrations. 

Winning the 'Best Corporate Solution' award at the MENA Fintech Awards is not just an honor but also a motivation for our future endeavours. We are excited about our upcoming initiatives, which include further enhancements to the Pluto Card and expanding our market reach to serve more businesses globally.

We extend our deepest gratitude to the organisers of the MENA Fintech Awards and ADFinanceWeek, the judges for recognizing our efforts, and most importantly, our dedicated team and loyal customers. Your support and trust in our solution have been invaluable!

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Updates
May 26, 2022

Leen Shami

We got funded!

We're thrilled to announce that Pluto closed US$6M in Seed funding in February, led by Global Founders Capital.

With GFC being the lead investors, we've had participation from several of the world's leading investment firms and entrepreneurs. Soma Capital, Graph Ventures, Adapt Ventures, Ramp, Thejo Kote (Founder of Airbase), Shaan Puri, and William Hockey (Co-founder of Plaid) were some of the few who participated.

With our Seed round, we aim to get closer to achieving our mission; to streamline company expenses for MENA businesses. 

The problem

Company spending in the MENA region is problematic, time-consuming, and frustrating. Managing company spending in MENA today is difficult, time-consuming, and frustrating, as today, companies only get a single debit or credit card.

OTPs

Today, employees all share one company credit card, which usually leads to an OTP being sent to the CFO, financial leader, or founder of the company. Most bank OTPs last from 2 to 10 minutes before they’re expired. So, if an employee doesn’t get the OTP in time, they won’t be able to complete the transaction.

Overspending

When a company credit card is issued, you cannot control spending. This means there is no way to set limits on the card to avoid being overcharged by recurring subscriptions or employees going over budget.

No visibility

You cannot get real-time visibility or instant reports on business expenses with company credit cards. This makes making informed decisions about allocating resources in real-time more challenging.

Petty cash

Banks have no ideal solution for petty cash management. Companies typically maintain a cash vault at their offices, distribute loose cash to employees, and spend countless hours collecting and matching invoices.

The solution

Introducing Pluto Card: a corporate card & spend management platform that allows MENA companies to simplify and control their business expenses.

With Pluto's software, managers can issue their employees virtual cards with spend and control limits, cards that get canceled after a one-time purchase, and cards with a recurring daily, weekly, or monthly budget.

Employees can request expenses from their managers and submit reimbursement requests by dragging and dropping receipts onto the software. This happens in real-time, where managers can view employee requests as they happen, see what is being spent and where, and gain insight into instantaneous expense reports, helping them make informed decisions.

Pretty straightforward.

Want to see Pluto in action? Sign up and get a private demo here.