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
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
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
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
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 popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
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 popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
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
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Not available to sole proprietors.
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
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Not available to sole proprietors.
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
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
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
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.
Business credit cards (soft pull)
NerdWallet star rating:
3.8
Applying with Capital on Tap does not affect your personal credit. Capital on Tap says 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 the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply. Corporate cards
Corporate credit cards typically don't require a personal credit check and are only available to incorporated businesses. The
BILL Divvy Corporate Card
is an exception as it only does a soft credit pull and is available to sole proprietors.NerdWallet star rating:
3.2
Unlike most cards designed for entrepreneurs, the
Brex Card
doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well capitalized. The card earns rewards, too. Learn more and apply.NerdWallet star rating:
2.8
The
Ramp Card
's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card has no annual fee, built-in expense management and card-level spending controls. Ramp also offers cash back on qualified purchases, but the actual reward rate varies by business. Learn more and apply. BILL Divvy Corporate Card
NerdWallet star rating:
2.7
The
BILL Divvy Corporate Card
does require a personal credit check — however, it's a soft pull. That means applying won't lead to a potential ding on your credit score. You will need at least fair credit to qualify (a FICO score of 650+), but BILL also considers factors like cash balances. Its threshold for those (typically at least $20,000) is lower than the Brex Card
and Ramp Card
($50,000 and $25,000 respectively), making the BILL Divvy Corporate Card
potentially more accessible for some business owners. This card also stands out for its spend management platform. Learn more and apply.Secured business credit cards
Secured business credit card may require a credit check but the bar to qualify is very low. You can use a secured business card to establish and build your business credit with on-time payments and low credit utilization (below 30%).
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.
Secured personal credit cards
A secured personal credit card can help you improve your personal credit over time so you can eventually qualify for a business credit card down. While some secured personal cards don't require a credit check, others do a soft credit pull. And all are available if you have bad credit.
NerdWallet star rating:
4.6
You'll 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, but this card doesn't require an upfront security deposit as many secured credit cards do. Learn more and apply.
NerdWallet star rating:
4.3
The
OpenSky® Secured Visa® Credit Card
charges an annual fee, but a lot of people will still want to take a look at it 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. Learn more and apply.Business debit cards
Business debit cards all you to issue employee cards and implement spending controls. Most don't require a credit check but they also don't help build your credit.
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.
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 October 24, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.