Micro-LLCs
The corporate card you can get without $25K in the bank.
Ramp requires $25K. Brex requires $50K. Skoor™ requires $0. Score-based qualification instead of bank balance.
How we compare
The only card with no minimum balance
Provider
Requirement
Score Building
Cards
AI Agent
Ramp
$25,000 minimum
No
Unlimited
Yes
Brex
$50,000 minimum
No
Unlimited
Limited
Divvy
$15,000 minimum
No
Unlimited
No
SKOOR
$0 minimum
Yes
Unlimited
Yes
Features
Enterprise tools at zero cost
Score-based qualification
No bank balance requirement. Your credit limit is determined by your SKOOR score, which starts building from your first transaction.
Grow your limit over time
Pay on time, spend responsibly, and your score improves. Higher score means higher limits. It is the only card that rewards good behavior.
Full expense management
Receipt capture, auto-categorization, approval workflows, and policy controls. The same tools enterprises use, available on the free plan.
Tax-ready from day one
Every transaction categorized and coded. Export to QuickBooks or Xero. 1099 filing included. No shoebox of receipts at year-end.
Smart Money.
Skoor™ Higher.
You do not need $25K in the bank to get a corporate card. You just need SKOOR.