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.
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.
Here are the best business credit cards with no personal credit check from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Brex Card Apply now on Brex's website | 2.9/5 Best for Corporate card for venture-backed businesses | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 3.6/5 Best for Corporate card with straightforward rewards | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 Best for Corporate card with soft credit pull | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 Best for Soft-pull business credit card | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card with no bank account | $35 | 1%-10% Cashback | N/A | Apply now on Capital Bank's website |
Chime Secured Credit Builder Visa® Credit Card Apply now on Chime's website | 4.6/5 Best for Personal credit card with no upfront deposit | $0 | N/A | N/A | Apply now on Chime's website |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Brex Card Apply now on Brex's website | 2.9/5 Best for Corporate card for venture-backed businesses | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 3.6/5 Best for Corporate card with straightforward rewards | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 Best for Corporate card with soft credit pull | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 Best for Soft-pull business credit card | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card with no bank account | $35 | 1%-10% Cashback | N/A | Apply now on Capital Bank's website |
Chime Secured Credit Builder Visa® Credit Card Apply now on Chime's website | 4.6/5 Best for Personal credit card with no upfront deposit | $0 | N/A | N/A | Apply now on Chime's website |
Discover business products tailored to your needs
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Our pick for
Corporate card for venture-backed businesses
Brex Card
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
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
- 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 straightforward rewards
Ramp Card
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- 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
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- 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
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- 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 $75,000 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 with soft credit pull
BILL Divvy Corporate Card
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.
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.
- 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
Soft-pull business credit card
Capital on Tap Business Credit Card
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
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
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Personal credit card with no bank account
OpenSky® Secured Visa® Credit Card
on Capital Bank's website
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- 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
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
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
- 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 sign up for a Chime Checking Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
Capital on Tap Business Credit Card
Ramp
Brex
BILL Divvy Corporate Card
First National Bank Business Edition® Secured Mastercard® Credit Card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Bento for Business Visa® Debit Card
Chime Secured Credit Builder Visa® Credit Card
OpenSky® Secured Visa® Credit Card
- Applying for an EIN.
- Registering with Dun & Bradstreet for a DUNS Number.
- Setting up trade lines with any vendors or suppliers you work with.
- 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.