Updated October 17, 2026 · DebitCue Editorial Team

Top business credit cards compared in China

29 cards available in China, ranked for China.

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Top business credit cards compared in China
#	Card	Score	Features	Key facts	Actions
1	NavanTop pick Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	No annual fee	Annual fee: $0 Rewards type: Points Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank	Review Compare See alternatives
2	EQIBank	9.0/10	Multi currency Virtual card	Currency conversion fee: 1% Perks: No spending limits, spend up to the amount deposited on the card, Accepted in over 44 million locations worldwide, 24/7 customer support, and 6 more Card kind: Credit	Review Compare See alternatives
3	Eversend	8.9/10	Multi currency Crypto Virtual card	Currency conversion fee: 0.9% Rewards type: None Founded: 2017	Review Compare See alternatives
4	Moss	8.9/10	No annual fee Virtual card	Annual fee: €0 Card kind: Credit Legal entity: Moss GmbH	Review Compare See alternatives
5	Paysera	8.9/10	Multi currency Virtual card	Rewards type: None Card kind: Credit Legal entity: "Paysera LT", UAB	Review Compare See alternatives
6	Circula Kostenlos testen (free trial sign-up)	8.8/10	Virtual card	Currency conversion fee: 2% Perks: Apple Pay, Google Pay, Virtual and physical Visa cards, and 6 more Card kind: Credit	Review Compare See alternatives
7	Juni	8.7/10	No annual fee Multi currency	Annual fee: £0 Currency conversion fee: 0% Rewards type: Cashback	Review Compare See alternatives
8	Wallester	8.7/10	No annual fee Multi currency Virtual card	Annual fee: €0 Rewards type: None Card kind: Credit	Review Compare See alternatives
9	Spendesk	8.5/10	Multi currency Virtual card	Currency conversion fee: 2.99% Perks: Unlimited users with no active user fees, Card orders free of charge with no monthly card fees, Unlimited physical and virtual cards (single-use, recurring, multi-use), and 4 more Legal entity: SPENDESK FINANCIAL SERVICES	Review Compare See alternatives

Other rankings

Top business credit cards compared: worldwide ranking

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Navan

Top pick for China

9.4/10See alternatives