Here are the best business credit cards with no personal credit check
Here are the best business credit cards with no personal credit check
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Annual fee
$0
Rewards rate
1x-7x
Intro offer
10,000
Apply now
on Brex's website
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex Card
Best for Corporate card for venture-backed businesses
Annual fee
$0
Rewards rate
1x-7x
Intro offer
10,000
Apply now
on Brex's website
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Annual fee
$0
Rewards rate
1%-1.5%
Intro offer
N/A
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
Best for Corporate card with cash back
Annual fee
$0
Rewards rate
1%-1.5%
Intro offer
N/A
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1x-7x
Intro offer
N/A
Apply now
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
BILL Divvy Corporate Card
Best for Corporate card with soft credit pull
Annual fee
$0
Rewards rate
1x-7x
Intro offer
N/A
Apply now
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap Business Credit Card
Best for Soft-pull business credit card
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Chime Secured Credit Builder Visa® Credit Card
Best for Personal credit card with no upfront deposit
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Apply now
on Chime's website
Pros
- No annual fee
- No credit check to apply
- No APR
- Adjustable credit limit
Cons
- Must open a Chime Checking Account
- No rewards
- No upgrade path
Chime Secured Credit Builder Visa® Credit Card
Best for Personal credit card with no upfront deposit
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Apply now
on Chime's website
Pros
- No annual fee
- No credit check to apply
- No APR
- Adjustable credit limit
Cons
- Must open a Chime Checking Account
- No rewards
- No upgrade path
Before applying for any card, confirm details on the issuer’s website.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
This card has not been rated by NerdWallet.
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America® will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee.
Note: This card may require a credit check but the bar to qualify is very low.
Bento for Business Visa® Debit Card
This card has not been rated by NerdWallet.
The Bento for Business Visa® Debit Card offers the conveniences of a business credit card, without the personal credit check or personal liability. Because you have to frontload the funds that you and your employees will spend on the Bento for Business, though, you won’t be able to build credit with this card. The main perks that Bento for Business boasts are the comprehensive control it allows you to have over your business’s spending. Learn more about business debit cards.
Note: This is a business debit card, which lets you issue employee cards and implement spending controls. Most don't require a credit check but they also don't help build your credit.
Corporate cards. Corporate cards don’t require a personal credit check or a personal guarantee, but most require strong revenue and a bank balance north of $75,000. Sole proprietors and other unincorporated businesses are not eligible for most corporate cards (
BILL Divvy Corporate Card
is the lone exception on this list). Secured cards. Secured cards may check your personal credit (some only do a soft pull) but most only require a FICO score of 300 to qualify. You'll need to put down a deposit which will determine your credit limit (that's the "secured" part). Look to a secured personal card to improve your personal credit score — a must for future financing. Want to build your business credit score? Opt for a secured business credit card, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.
Business debit cards. Business debit cards are a good option for business owners who want tight control over employee spending but don't qualify for a corporate card. Debit cards pull directly from funds in your linked business checking account and most don't require a personal credit check.
The only business cards that truly require no credit check are corporate cards. These cards rely on your business history and financials, rather than your personal credit, and you can apply with just your Employer Identification Number, or EIN.
Secured business credit cards often require a credit check, but a low credit score (typically a FICO score below 630) is rarely a deciding factor. Things that will likely impact your odds of approval: an ongoing bankruptcy, opening multiple accounts at once or lack of income to pay your balance.
Almost all other business credit cards require a hard pull on your personal credit, as well as a personal guarantee that you will repay the card with your own assets if your business goes bankrupt or can’t otherwise fulfill this obligation.
Getting a secured business credit card is an easy way to build business credit without using personal credit. It is not your only option, though. Additional strategies to establish and grow business credit include:
- Applying for an EIN.
- Registering with Dun & Bradstreet for a DUNS Number.
- Setting up trade lines with any vendors or suppliers you work with.
Otherwise, your personal and business credit are often intertwined. When you apply for a small-business credit card, for example, issuers will look at your personal credit. This inquiry will likely result in a small, temporary hit to your personal credit (unless the issuer only does a soft pull). Not paying your business credit card can also damage your personal credit score and limit your future financing options as most issuers will report delinquent business accounts to consumer credit bureaus.
As you build business credit, it will become easier to secure different types of financing — like small-business loans — that are separate from your personal credit.
Chime says the following:
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
- Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
- Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
Last updated on January 6, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates credit cards.