Bidroom / Business Card
The Bidroom Stack — Card #1

Get the contractor card.
$0 fee. $1,500 bonus.

No credit check on owners. No personal guarantee. Approval based on your jobs and revenue, not your FICO. Two vetted carriers. Pick one (or both — they don't conflict).

Approved in minutes Funds in 24 hours Hard-checked by Bidroom
For established crews

Brex

Best for contractors with $100k+ in monthly revenue.

$1,000
sign-up bonus when you spend $5k in 90 days. Plus 7x points on rideshare, 4x on travel.
  • $0 annual fee, no foreign transaction fees
  • No personal credit pull, no PG required
  • Built-in expense management + receipt OCR
  • QuickBooks, Xero, Procore sync
  • Up to 20% higher limits than traditional cards

~5 minutes. Decision in seconds. Bidroom may earn a referral commission at no cost to you.

For growing crews

Ramp

Best for contractors who want zero-touch expense control.

$500
statement credit + 1.5% cash back on every purchase. No category caps, ever.
  • $0 annual fee on unlimited employee cards
  • Auto-categorizes 95% of receipts (no more shoebox)
  • Lock cards by vendor, project, or dollar limit
  • Free bill pay + ACH + accounting integrations
  • Average customer saves 3.5% of spend in waste

~5 minutes. Funded in 24 hours. Bidroom may earn a referral commission at no cost to you.

Side-by-side

FeatureBrexRamp
Annual fee$0$0
Personal guaranteeNot requiredNot required
Sign-up bonus$1,000 (after $5k)$500 statement credit
Cash back / pointsUp to 7x points1.5% flat
Best when monthly spend ≥$50k$5k
Receipt OCR✓✓
QuickBooks sync✓✓
Procore / Buildertrend sync✓Via Zapier

Common questions

Why is Bidroom recommending these?

Both Brex and Ramp pay us a referral fee when contractors approved through Bidroom activate a card. We only recommend cards we've vetted as actually-good for trades — no annual fees, no personal guarantee, no nonsense. Our affiliate disclosure is at the bottom of every page.

Will this hurt my personal credit?

No. Both pull only your business EIN — no personal hard pull. Decisions are based on your business banking activity, not your FICO score.

Can I use this for material purchases on Bidroom jobs?

Yes. Both cards work everywhere Visa/Mastercard is accepted, including all material suppliers in the Bidroom directory. Most contractors put 100% of material spend on these cards to maximize cash back / points.

What if I'm denied?

Both have second-look programs. If you're denied, our team will introduce you to alternative partners (Divvy, BILL, Mercury) who specialize in newer or smaller crews.

Can I get both?

Yes. Many contractors run Brex for travel/large purchases (because of the 7x points) and Ramp for routine spend (because of the cash back). They don't conflict.

Affiliate disclosure: Bidroom may earn a commission when you sign up for Brex or Ramp through links on this page. This does not affect your terms, fees, or rates — they are identical to applying directly. We only recommend partners we've personally vetted for the construction trade.