Rho review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Rho suits businesses that want a corporate card with a virtual card option, cashback of 2% and a monthly fee of $0. The currency conversion fee of 1% sits mid-table for the brands compared here, so Rho fits everyday company spending rather than heavy overseas use.
Key facts
- Best for
- Business spending with a virtual card, cashback of 2% and a $0 monthly fee
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 1% (Source, checked September 26, 2026)
- Cashback rate
- 2% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Under Technologies, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Audience
- Business
- Official website
- rho.co
Credit cards
- Currency conversion fee
- 1% (Source, checked September 26, 2026)
- Legal entity
- Under Technologies, Inc. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Audience
- Business
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Monthly fee of $0 on the corporate card.
- Cashback of 2% on corporate card spend.
- A virtual card option, which suits teams paying for software and subscriptions.
- Support runs on phone, email and help centre.
Cons
- A currency conversion fee of 1% on foreign spend, with Rho at 125 of 259 brands compared on that measure.
- The account is built for business users, so personal spending is not the focus.
- The card sits on mastercard alone, and 54.1% of business cards in the ranking run on a different network.
Who it suits
- Businesses that want a corporate card with a virtual card option and cashback of 2%.
- Companies paying suppliers abroad who can live with a 1% conversion fee.
- Finance teams that want support by phone, email and help centre.
Who should look elsewhere
- Wise, for readers who want to weigh its own conversion pricing against Rho's 1%.
- Monzo Flex, for personal banking rather than the corporate card Rho builds for business users.
- HSBC Classic Credit Card, for shoppers who prioritise rewards or borrowing costs over a business card with a $0 monthly fee.
How it compares on our data
On monthly fee, Rho places 1 of 419 brands compared, right at the top of that table. On currency conversion fee it lands at 125 of 259, well down the field. Cost is the brand's strongest suit on account fees and its weaker point on foreign spend.
How Rho compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
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9.2 vs 8.5
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9.2 vs 9.0
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9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
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9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
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9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
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9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Frequently asked questions
What does the Rho business card cost to run?+
Rho charges a monthly fee of $0 on its corporate card, so the everyday running cost sits at the free end of the market. Support comes through phone, email and help centre, and the account is built for business users. Currency conversion is the charge to watch if staff buy abroad.
How much does Rho cost on foreign currency?+
The currency conversion fee is 1%, charged on foreign spend on the corporate card. On that measure Rho sits at 125 of 259 brands compared, making it a mid-table rate rather than a low-cost one. Businesses that bill in a single currency and rarely pay abroad will feel it least.
Does the Rho corporate card pay cashback?+
The reward is cashback of 2% on corporate card spend, and the money lands back with the business rather than in a points pot. Combined with the $0 monthly fee, the rewards are straightforward to follow and easy to budget for as spending grows.
Can Rho issue virtual cards?+
A virtual card is among Rho's features, so card numbers for online spending can sit alongside the corporate card rather than on it. That suits teams buying software or subscriptions often. The card runs on mastercard, so acceptance abroad follows that network.
How do I reach Rho support?+
Support runs on phone, email and help centre, so phone, email and a help centre are all available for day to day questions. That mix suits a business account where several colleagues may hold cards. Use the help centre for routine queries and phone when a payment is blocked and the team cannot wait.
Who is the Rho card aimed at?+
The audience is business, so Rho is built for companies rather than personal banking. Teams that want a corporate card with a virtual card option, cashback of 2% and a $0 monthly fee fit that profile. Personal everyday spending sits outside the focus.
Where does Rho come from?+
Rho is based in the United States and operates as Under Technologies, Inc., which matters for a business account where the contracting entity is checked before cards reach a team. Support is handled through phone, email and help centre, so most questions are dealt with remotely rather than in person.
Which network does the Rho card run on?+
Rho issues mastercard cards, and the site shows 34.6% of debit cards in the ranking on that network, so acceptance sits in the mainstream. The other cost to budget on a foreign trip is the 1% conversion fee.
Sources
- rho.co checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“100 Crosby Street, New York, NY 10012”
- rho.co checked September 26, 2026
Backs: Audience
“Business banking built for the AI era”
- rho.co/pricing checked September 26, 2026
Backs: Currency conversion fee, Monthly fee
“Foreign currency transfer 1%”
- rho.co/product/corporate-cards checked September 26, 2026
Backs: Cashback rate, Features, Card network
“Earn up to 2% cashback with Rho Platinum (terms apply), on up to $1M in eligible card spend”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.