Best business credit cards in Colombia
By Sofía Vargas (Editor-in-chief) · Reviewed by Sofía Vargas (Editor-in-chief) · Published · Reviewed
Also available in es-CO on Colombia.
The Colombian business segment has been transformed by Clara and Jeeves: digital approval, real-time spend control and corporate cashback have replaced the traditional model of high annual fees and approval against collateral. This guide evaluates the most relevant options for startups, SMBs and established companies.
Direct answer
For business — colombia, the strongest pick today is Clara White Colombia, according to the BestCardIn editorial review.
Quick answers
- What is needed to obtain a business card in Colombia?
- Minimum: certificate of existence and legal representation (Cámara de Comercio), updated RUT, ID of the legal representative and, for fintechs like Clara and Jeeves, a corporate account with verifiable transactional flow. Traditional banks additionally request financial statements and tax filings.
- What is the best option for a recently incorporated startup?
- Clara is the most accessible option for startups with less than a year of operation: digital approval, no minimum historical revenue requirement and zero annual fee.
- Do business cards build corporate credit history?
- Yes, they report to Datacrédito Empresarial and CIFIN Empresarial. The legal representative may appear as a joint obligor depending on the product.
- Can I deduct the maintenance fee?
- Yes, as long as the fee is invoiced to the company's NIT. Consult your accountant on the specific treatment (deductible operating expense).
Selected cards
Clara White Colombia
Clara Colombia
Annual fee: No annual fee · Cashback: 2.00%
Zero annual fee, per-employee control, accounting export and 2% corporate cashback. The most used option for Colombian startups in 2026.
Jeeves Colombia Corporate
Jeeves Colombia
Annual fee: No annual fee · Cashback: 4.00%
Specialized in companies with international operations: multi-currency cards, no foreign transaction fees and 4% cashback in business categories.
Clara Virtual Colombia
Clara Colombia
Annual fee: No annual fee · Cashback: 2.00%
Unlimited virtual cards with limits per employee and category; ideal for recurring digital spend (advertising, SaaS, subscriptions).
Bancolombia Empresarial
Bancolombia
Annual fee: COP 350000.00
The traditional option with the largest banking network in Colombia; high annual fee but a line backed by the checking account and in-person service.
Davivienda Empresarial
Davivienda
Annual fee: COP 320000.00
Good option for companies with a Davivienda account: native banking integration, DaviPlata payroll benefits and a line backed by historical flow.
Quick comparison
| # | Card | Issuer | Annual fee | Cashback |
|---|---|---|---|---|
| 1 | Clara White Colombia | Clara Colombia | No annual fee | 2.00% |
| 2 | Jeeves Colombia Corporate | Jeeves Colombia | No annual fee | 4.00% |
| 3 | Clara Virtual Colombia | Clara Colombia | No annual fee | 2.00% |
| 4 | Bancolombia Empresarial | Bancolombia | COP 350000.00 | - |
| 5 | Davivienda Empresarial | Davivienda | COP 320000.00 | - |
Clara White Colombia and Jeeves redefined the standard in Colombia: zero annual fee, approval in less than 48 hours and spend control down to the employee level. This is especially relevant for companies that previously depended on banking processes that took up to six weeks to issue cards to employees.
For companies with international operations (importers, cross-border e-commerce, digital agencies with USD clients), Jeeves Corporate offers multi-currency cards with no foreign transaction fee, a feature traditional banks have not yet replicated in Colombia.
Bancolombia Empresarial and Davivienda Empresarial remain valid options for companies that already operate with a checking account at those banks: native account integration simplifies bank reconciliation and treasury management.
FAQ
What is needed to obtain a business card in Colombia?
Minimum: certificate of existence and legal representation (Cámara de Comercio), updated RUT, ID of the legal representative and, for fintechs like Clara and Jeeves, a corporate account with verifiable transactional flow. Traditional banks additionally request financial statements and tax filings.
What is the best option for a recently incorporated startup?
Clara is the most accessible option for startups with less than a year of operation: digital approval, no minimum historical revenue requirement and zero annual fee.
Do business cards build corporate credit history?
Yes, they report to Datacrédito Empresarial and CIFIN Empresarial. The legal representative may appear as a joint obligor depending on the product.
Can I deduct the maintenance fee?
Yes, as long as the fee is invoiced to the company's NIT. Consult your accountant on the specific treatment (deductible operating expense).
Methodology
We evaluate real annual fee, effective corporate cashback, accounting integrations (Siigo, Alegra, ContaPyme), digital onboarding process and international usage coverage. We exclude products only accessible with a pre-existing banking relationship or cash collateral.
Conclusion
For startups and digital businesses, Clara White and Jeeves Corporate are mandatory options. For companies with consolidated physical operations and an established banking relationship, Bancolombia Empresarial and Davivienda Empresarial remain relevant. Combining a digital business card with a traditional corporate account gives you the best of both worlds.