| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Regular APR | |
|---|---|---|---|---|---|
Brex For Startups*
|
Earning rewards
|
$0 | 1X - 7X points
| N/A | |
OpenSky® Plus Secured Visa® Credit Card
 Apply Now
on Capital Bank, N.A.'s secure site |
Sole proprietorships
|
$0 | 10% cash back
Up to 10% cash back rewards
| 28.99% (variable) |
Apply Now
on Capital Bank, N.A.'s secure site |
Stripe Corporate Card*
|
Startups
|
$0 | 1.5% cash back
1.5% cash back on every purchase
| N/A | |
Ramp Visa Corporate Card*
|
Best for expense management
|
$0 | 1.5% cash back
1.5% cash back on all card spend
| N/A | |
BILL Divvy Card*
|
Best for smaller businesses
|
N/A | N/A | N/A | |
Capital on Tap Business Credit Card*
|
Best for earning cash back
|
$0 | unlimited 1.5% - 2% cash back
1.5% unlimited cashback — and you can earn 2% cash back if you switch your account to weekly autopay
| 17.49% - 57.49% variable | |
Nav Prime Card*
|
Best for building business credit
|
$0 | N/A | N/A |
To appear on this list, LendingTree selected either business credit cards with no personal credit check or personal guarantee, or both. We ranked cards based upon the following criteria:
No personal credit check required
Among startup business credit cards with no credit check, the Brex For Startups card stands out. It lets you earn a generous rewards rate in popular spending categories, including ride-sharing services, Brex travel, restaurants and software purchases. Instead of looking at your credit history, the issuer will consider your business’s finances, including revenue and cash reserves, as well as how many employees you have. For example, startups generally need to have at least a $50,000 balance in the bank.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Get approved with no credit check at all
If your small business is a sole proprietorship and you’re looking for a business credit card with no credit check, you might consider the OpenSky® Plus Secured Visa® Credit Card. Since business assets aren’t separate from personal assets in a sole proprietorship, you could use it for business purposes.
It’s a secured credit card, which means you must put down an initial security deposit that serves as your available credit line. But there’s a $0 annual fee, which is rare for a card with no credit check. Plus, it earns cash back, and over time you may qualify for higher credit limits and an unsecured version of the card.
No personal guarantee or hard pull of your personal credit required (a soft check may be performed)
If you use Stripe for your business, the Stripe Corporate Card is a solid $0-annual-fee card that doesn’t require a personal credit check or a personal guarantee for approval. You’ll earn 1.5% cash back on every purchase when using the Stripe Corporate Card, which you can redeem as a statement credit against your monthly bill.
No personal credit check or personal guarantee required
If you’re looking for an expense management platform that just happens to have an associated charge card, then the Ramp Visa Corporate Card is one of the best. According to many users, Ramp offers one of the most seamless systems for accounting, bill pay and tracking employee spending. You can apply without affecting your personal credit score, and then earn cash back on all purchases. There’s a $0 annual fee, but the full balance is due each month. You can get virtual and physical cards at no additional cost and set spending controls on each employee’s card.
The card is not for solo practitioners, however. Ramp Visa Corporate Card requires that your business be a corporation, limited liability company or limited partnership with at least $25,000 in cash in a U.S. business bank account.
No personal guarantee or hard check of your personal credit required (a soft check may be performed).
Corporate cards are usually for larger organizations, but the BILL Divvy Card accepts applicants with bank balances as low as $20,000 (which is lower than the Ramp Visa Corporate Card). Part expense management software, part card, the BILL Divvy Card can be a good solution for managing employee expenses and earning rewards. Just be mindful that you have to jump through a few hoops and understand the fine print if you want to earn at the top rewards rate and redeem your rewards.
Apply with only a soft check of your personal credit
The Capital on Tap Business Credit Card earns a solid 1.5% unlimited cashback — and you can earn 2% cash back if you switch your account to weekly autopay. It’s one of the more accessible credit cards for new businesses. You can qualify as long as you’ve been operating for six months and earn $2,500 per month in revenue, but watch out for high APRs.
Note that although applying won’t affect your personal credit score, you do have to agree to a personal guarantee to get the card.
No personal guarantee or credit check required
If your goal is to build business credit versus using credit to manage cash flow, the Nav Prime Card could be a good fit. It’s specifically designed for building credit. As you make purchases, it automatically pays those purchases from a linked account on the same day with no interest or fees. It reports this activity to the business credit agencies and gives you a dashboard to monitor your progress. You won’t get any of the rewards or perks that you might find on other business credit cards. But it has lenient eligibility requirements, making it open to businesses of all sizes.
Apply for a secured card with no credit check
Secured credit cards can be easier to get than unsecured cards. You’ll have to put down a deposit. The deposit may range from hundreds to thousands of dollars and typically serves as the credit line for the account.
Because the deposit lowers the risk for the issuer, secured business credit card issuers may rely less on factors like credit score. Some secured cards don’t require any credit check, like the OpenSky® Plus Secured Visa® Credit Card. These can be a good option for business owners with poor credit or limited credit histories.
Get a prepaid business debit card
Since a prepaid business debit card connects your spending to your checking account, you can typically get one without a credit check. However, your card activity won’t be reported to the major credit bureaus. This means it won’t help you build or repair your credit.
If you need to repair your credit, see our picks for best credit cards to build credit.
Get a corporate card
Corporate cards typically don’t require a personal guarantee to apply. The business is usually liable for the debt rather than the business owner. For that reason, corporate cards are usually only accessible to larger businesses with significant assets and revenue. They’re designed for organizations that want to give cards to many employees to make work-related purchases. Cards often come with an expense management system that allows you to set spending controls and keep track of expenses.
There are some corporate cards for smaller companies like the Ramp Visa Corporate Card, which requires a $25,000 business bank balance. But in general, corporate cards may not be a feasible option for startups or smaller businesses.
→ Learn how corporate credit cards work
Apply with a cosigner
If you don’t think your credit is good enough to be approved for a business credit card via a personal credit check, you may want to consider using a cosigner. A cosigner is someone with good or excellent credit that gives their personal guarantee that you won’t default on your credit card. Just be aware that your cosigner is equally responsible for the balance on your account and your payment history may affect your cosigner’s credit score. So it’s important to always pay your bill on time and stay well below your credit limit.
→ Learn more: Co-borrower vs. Cosigner: How They Work
A personal guarantee is not the same as a personal credit check for a business loan or business credit card:
→ Learn more: How to Understand a Business Loan Agreement
Registering your business with the IRS allows you to generate an EIN (Employer Identification Number) — a federal tax ID that can be used to represent your business. You can use an EIN to apply for credit instead of using your Social Security number. You can apply online in a few minutes.
You can also apply for a D‑U‑N‑S Number. Created by Dun & Bradstreet, a D-U-N-S number is a nine-digit identifier for businesses. The number establishes your Live Business Identity file — the foundation of your business credit score. Registering for this number can be done online at the Dun & Bradstreet website.
As soon as you start making or receiving payments for your business, you should open a business bank account. This can add credibility and legitimacy to your business. It helps you stay legally compliant and may help protect your personal funds. Also, it may make it easier to apply for a business credit card.
Depending on the type of business you have, you may be able to open credit lines with vendors without a personal credit check. Vendors may offer “net terms” that allow you to defer payment for a set time period (such as 30 days). Making your payments on time can help establish and grow your business credit score, since vendors will report your payments to business credit agencies. As an example, supply stores like Lowe’s, Home Depot or Staples may offer credit to business owners.
Using a personal credit card for business expenses isn’t ideal, so you should consider getting a business credit card. A business credit card can help keep your business expenses separate from your personal expenses and may even help build your business credit. Similar to personal credit reporting, a business credit card may report your payment activity to business credit reporting agencies like Dun & Bradstreet and the National Association of Credit Management (as well as consumer reporting agencies like Experian and Equifax). Note that not all business credit cards do this. If establishing your business credit is an important goal, make sure you apply for a card that helps build business credit, such as the Nav Prime Card.
To build good business credit, you need to manage your credit lines well and make payments on time. You should follow best accounting practices, avoid overextending yourself and do a cash flow analysis. If you miss payments or become delinquent, that negative activity may be reported to the various credit agencies and your credit health can take a hit.
The information related to the Brex For Startups, Stripe Corporate Card, Ramp Visa Corporate Card, BILL Divvy Card, Capital on Tap Business Credit Card and Nav Prime Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
