Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Most business credit cards require a personal credit check and a FICO score of at least 690 to qualify. Corporate cards and secured business cards are the exception. These cards typically don't do a personal credit check or only do a soft pull of your credit to check eligibility.
Best business cards with no personal credit check
- BILL Divvy Corporate Card: Best for corporate card with soft credit pull.
- Brex Card: Best for corporate card for venture-backed businesses.
- Capital on Tap Business Credit Card: Best for soft-pull business credit card.
- Chime Secured Credit Builder Visa® Credit Card: Best for personal credit card with no upfront deposit.
- OpenSky® Secured Visa® Credit Card: Best for personal credit card with no bank account.
- Ramp Card: Best for corporate card with cash back.
While all of our picks for best business cards with no credit check are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Most business credit cards require a personal credit check and a FICO score of at least 690 to qualify. Corporate cards and secured business cards are the exception. These cards typically don't do a personal credit check or only do a soft pull of your credit to check eligibility.
Best business cards with no personal credit check
- BILL Divvy Corporate Card: Best for corporate card with soft credit pull.
- Brex Card: Best for corporate card for venture-backed businesses.
- Capital on Tap Business Credit Card: Best for soft-pull business credit card.
- Chime Secured Credit Builder Visa® Credit Card: Best for personal credit card with no upfront deposit.
- OpenSky® Secured Visa® Credit Card: Best for personal credit card with no bank account.
- Ramp Card: Best for corporate card with cash back.
While all of our picks for best business cards with no credit check are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best business credit cards with no personal credit check
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Soft-pull business credit card Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Corporate card with cash back Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Corporate card for venture-backed businesses Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Corporate card with soft credit pull BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 3.6/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Personal credit card with no bank account OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 | $35 | 1%-10% Cashback | N/A | Apply now on Capital Bank's website |
Personal credit card with no upfront deposit Chime Secured Credit Builder Visa® Credit Card Apply now on Chime's website | 4.6/5 | $0 | N/A | N/A | Apply now on Chime's website |
I'M INTERESTED IN:
Our pick for
Soft-pull business credit card
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
This card does a soft credit pull, so applying does not hurt your personal credit. Applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers 1.5%
cash back on all purchases, no annual fee and a potentially low APR. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors.- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.49% to 43.49% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Corporate card with cash back
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
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
1%-1.5% Cashback
Intro offer
N/A
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 doesn't do a personal credit check, but they do require your company to have at least $25,000 in a business bank account. Your business also needs to be located in the U.S. and do most of its business within the U.S. The
Ramp Card
earns cash back on all purchases and comes with robust, built-in spending controls and expense management tools. Note: This card is not available to sole proprietors.- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Corporate card for venture-backed businesses
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
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
1x-7x Points
Intro offer
10,000 Points
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
This card doesn't require a personal credit check or guarantee, but does have a hefty capital requirement ($50,000 to $1 million). Brex uses that cash-on-hand, along with your time in business, spending patterns and investors, to determine approval, credit limit and repayment terms. The
Brex Card
is not available to sole proprietors. - Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Our pick for
Corporate card with soft credit pull
BILL Divvy Corporate Card
Read Review
Apply now
on BILL Spend & Expense's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
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
1x-7x Points
Intro offer
N/A
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
This card does require a personal credit check — but it's a soft pull, so applying won't ding your credit score. The
BILL Divvy Corporate Card
is available to sole proprietors, making it unique among corporate cards, but you need a FICO score of at least 650 to qualify. You also need at least $20,000 in a business bank account — a lower bar than Brex or Ramp, but still a hurdle for some businesses. If approved, you can earn rewards on spending and take advantage of BILL's spend management tools.- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Our pick for
Personal credit card with no bank account
OpenSky® Secured Visa® Credit Card
Read Review
Apply now
on Capital Bank's website
Annual fee
$35
Rewards rate
1%-10% Cashback
Intro offer
N/A
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
Annual fee
$35
Rewards rate
1%-10% Cashback
Intro offer
N/A
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
The
OpenSky® Secured Visa® Credit Card
is a personal card, not a business card, but it can help you improve your personal credit over time so you can eventually qualify for a business credit card down the road. This card does charge an annual fee, but it's still worth a look for two reasons. First, there's no credit check required. Second, you don't need a traditional bank account; you can fund the deposit or pay your bill with a money order or Western Union payment.- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Our pick for
Personal credit card with no upfront deposit
Chime Secured Credit Builder Visa® Credit Card
Read Review
Apply now
on Chime's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
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
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
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
This secured personal card can help you build your credit, with the goal of qualifying for a better business card down the road. There's no credit check and no security deposit required, which is rare for a secured card. But you do need a Chime Checking Account — a free bank account that allows you to receive direct deposits — and at least $200 in direct deposits to it within the past 365 days to get this card. The money you move from the Chime Checking Account to the Credit Builder secured account determines your credit limit. There's no option to carry a balance from month to month.
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, 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.
- No credit check to apply, no annual fees or interest⁴, and no minimum security deposit required.³ No stress! Additional terms apply.
- Use your secured Credit Builder card everywhere Visa credit cards are accepted, including on everyday purchases, such as gas and groceries.
- Help build your credit history with your own money. The money you move into the Credit Builder secured account is the amount you can spend on your card (no minimum deposit required!).³ Turn on Safer Credit Building² and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.
- Increase your credit scores by an average of 30 points, with regular, on-time payments.¹
- Turn on transaction notifications to receive real-time transaction alerts. Then, use Chime’s instant in-app disable card feature to help prevent unauthorized activities.
- Live support 24/7 to assist you around the clock.
- Now you can use your Credit Builder card fee-free at over 60K+ in-network ATMs at retailers like Walgreens®, CVS®, and more! Out-of-network ATM withdrawal fees may apply except at Moneypass ATMs in 7-Eleven® locations, or any Allpoint® or Visa Plus Alliance ATMs.
- Apply for a secured Chime Credit Builder Visa® Credit Card once you have an active Chime Checking Account. See www.chime.com to learn more.
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 an active Chime® Checking Account.
- 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 deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
- Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Last updated on January 31, 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 small-business credit cards.
