11 Best Business Credit Cards with EIN Only
Obtaining business credit without an EIN is something that many business owners strive for. The problem? Most business credit cards still require a personal credit check, including popular options like Chase Ink, American Express, and US Bank cards.
It’s possible to qualify for these cards with just an EIN, but it can be difficult. Moreover, you don’t want to have to try to use personal credit cards or even apply for a personal loan to access funding for your business.
The best way to circumvent leveraging your personal credit for your business is to use strictly EIN-only cards. As it turns out, some of the best options out there aren’t the top business credit cards.
Instead, we’ve found that you can secure business credit best with options like corporate cards, gas cards, and even secured business credit cards. Let’s take a closer look at the best business credit cards with EIN only to help you secure funding.
The Best Business Credit Cards with EIN Only:
- FairFigure Capital Card
- BILL Spend and Expense Corporate Card (Formerly Divvy)
- Ramp Corporate Card
- Emburse Corporate Card
- Rho Corporate Card
- Brex Corporate Card
- Shell Small Business Card
- Chevron/Texaco Business Card
- Phillips 66 Commercial Credit Card
- Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card
- Valley Visa Secured Business Credit Card
Signing up for an EIN-only business credit card should be a simple process. You don’t want to have to jump through hoops to get the financing that your small business needs.
That’s why our first recommendation is the FairFigure Capital Card.
The FairFigure Capital Card is not quite a business credit card or a charge card. Rather, the FairFigure Capital Card utilizes deposits purchased at a discounted rate and are then funded to your card.
You use the amount you want, pay it back, and then continue to tap into that revolving credit. There are a host of benefits that accompany the FairFigure card, including:
- No personal guarantee
- No security deposit
- Funding based on your business’s data and revenue
- The ability to secure additional funding as you continue to make on-time payments
- Perks for using your card, like cash back opportunities
- Physical and digital card options
- Flexible payback terms
The FairFigure Capital Card also makes it easy to build credit. FairFigure reports your payments to Equifax Commercial, CreditSafe, the SBFE, and its own Foundation Report.
If you’re looking for a no-fuss, EIN-only business credit card, the FairFigure Capital Card stands out as a top choice for your growing business and business credit needs. Apply for the FairFigure Capital Card now!
Divvy is by no means a new name in the business finance space, but their recent acquisition by BILL might be. The BILL Spend & Expense Corporate Card represents the best of what both parties have to offer as one unified company and credit card issuer.
If you’re looking to get a business credit card with bad personal credit, this is the best credit card to consider.
Keep in mind that BILL Divvy operates more like a charge card, where the balance has to be paid every month. It does report to the business credit bureaus, so it can help you build business credit.
The BILL Divvy Corporate Card helps businesses access fast and flexible credit, offering credit lines of anywhere from a modest $500 to upwards of $5 million. They boast a fast application process and the ability to create virtual cards or order physical ones.
Beyond this, you’ll find that there’s a laundry list of benefits that accompany applying for a BILL Divvy Corporate Card, including:
- Flexible underwriting so that you receive a business credit line that best suits your business.
- Card membership offers seamless integration with BILL Spend & Expense so that you don’t complicate things when adding new financial resources to your business (you might even track business checking accounts there and start using them solely moving forward).
- They don’t require a personal guarantee (many other business credit cards do require a personal guarantee).
- Corporate credit card perks like zero annual fees, flexible rewards, fraud protection, and budget limit settings (if you have a team using these cards).
- Helpful features like the ability to apply for credit line increases in-app and contactless payments so you can spend cash plus get the added benefit of not needing to hold onto a card.
If you’re looking to access business credit quickly and easily without the need for personal credit checks, the BILL Divvy Corporate Card is an excellent choice. Not just for its rich features, but for the support you get from the broader BILL Spend & Expense ecosystem as well.
Divvy was the first expense management platform to kick off this industry, so we’re including them first. But their competitors Ramp, Emburse, and Rho are other expense platforms that have corporate cards attached to them as well.
As demonstrated with the BILL Divvy Corporate Card, you’re likely thinking about more than just which business credit cards you’ll choose when you’re looking to build business credit. You’re also thinking about how to stay on top of your finances as you begin to use your card.
The Ramp Corporate Card is another stellar option if you want a business credit card that helps you secure financing while also offering the support you need to seamlessly track your finances as your cards are being used.
The Ramp Corporate Card is part of Ramp’s all-in-one business finance solution that all business owners will appreciate.
With this card, it’s easy to automate receipt collection and expense tracking (or use their mobile receipt capture tool), retain full control over spending across cards, and use AI insights for smarter saving and spending.
Speaking to the features of this business credit card, Ramp offers credit limits up to 20 times higher than other cards due to precision underwriting, free and unlimited physical and virtual cards, and unlimited 1.5 percent cashback as well as up to $175,000 in partner discounts.
The Ramp Corporate Card makes it easy to get started with business credit without a personal credit check, and it makes it even easier to stay on track financially with all of the tools that accompany it.
Ramp’s biggest downside is that it requires significant cash reserves to qualify - currently $75,000 at the time of this writing. So most small businesses won’t be able to qualify, but it’s an excellent choice for medium and large companies.
Emburse is a company that’s truly dedicated to and passionate about the financial health and wellness of companies, and it shows in its exhaustive resources designed around travel and expense management.
While Emburse offers numerous card solutions for businesses like yours, our focus is on the Emburse Corporate Card.
Like many of the card solutions and card issuers we’ve covered thus far, the Embuse Corporate Card is a physical or virtual credit card that makes it easier to oversee employee spending.
Each card comes with granular spending restrictions, real-time transaction tracking, the ability to require receipts and allow employees to ask for additional funds if they reach their spending limit, and much more.
As with their other cards, the Emburse Corporate Card integrates with their wealth of financial solutions including Emburse Tallie and Emburse Abacus, just to name a few.
When you’re building credit for your business, you want new financing sources to be as easy to use as possible.
The Emburse Corporate Card is built around your needs, providing you with the features you need to stay on top of spending and seamlessly manage your expenses as you build credit with business transactions sent to major credit bureaus.
The Rho Corporate Card is a corporate card that knows what your business needs and what it has to offer in comparison to their biggest competition, something they aren’t afraid to advertise clearly on their website.
The Rho Corporate Card is a credit card that you can apply for in minutes, leveraging data for bespoke underwriting that establishes a credit limit that’s perfect for your business. Once you’ve been approved, you can begin generating virtual cards for your whole team.
The Rho Corporate Card allows you to establish limits for all members of your team, create merchant restrictions so that cards can only be used for specific expenses, track real-time spending, and easily export financial data for frictionless finance.
Better yet, you can earn up to 1.25 percent cashback when you use your corporate card, helping you rack up savings of real money, not points.
Applying for a business credit card should be easy, and Rho gives you the application process you need to get a card and start using those cards right away to boost your business credit score without the need for personal credit or a personal guarantee.
It’s a no-hassle, no-frills account opening experience that makes it easy to get set up with the business credit cards you need.
Whether you’re a startup or an enterprise looking into business credit cards, chances are you’re focused on two things: access to higher limits and greater control over your spending. The Brex Corporate Card is a business credit solution that caters to both needs.
The Brex Corporate Card is one of the top stellar enterprise and startup business credit cards issued over the Mastercard network that’s accompanied by Brex’s five-star mobile app for greater expense tracking and control over card use.
Brex gets you started with a credit limit that works for you based on money raised or revenue, and you get up to 7 times cash back on eligible purchases, worldwide card acceptance, access to 24/7 customer support, and so much more.
Speaking to the security and spending features of this card, the Brex Corporate Card offers:
- Enterprise-grade security, such as customary chip and pin features as well as fraud protection.
- The ability to control spending and set limits, including but not limited to travel, specific vendors, and stipends.
- Automated receipt collection and categorization help you stay on top of your finances and business credit history with ease.
- Real-time expense tracking allows you to see which cards have been used, which limits have been reached, and other vital information.
The Brex Corporate Card is a solid card option for businesses that need greater control over how cards are being used and reliable expense reports with automated expense tracking to stay on top of organizational spending.
The main downside to Brex is that it no longer accepts most small businesses. They only accept small businesses that have venture capital backing.
A gas card might be the last type of credit card you think of when you’re interested in accessing business credit. But if you’re a business that spends a lot of time fueling up, this might actually be one of your top choices if you want card issuers that understand your needs.
The Shell Small Business Card is a part of the Shell Fleet Cards offered by Shell, and it’s one that comes with a host of benefits for small businesses like yours.
The most obvious benefits extend to fuel. The Shell Small Business Card can help you save up to $0.06 per gallon when you fill up your vehicles at Shell stations. Better yet, this card is accepted at 13,000 Shell Stations and Jiffy Lube locations throughout the country.
Moving onto the broader benefits that this business credit card has to offer, the Shell Small Business Credit Card comes with no card fees, a revolving credit line to help you establish credit history, and seamless management via their online account management portal.
Like many other business credit cards, this fuel card offers many of the standard benefits like the ability to control spending limits and cancel cards, see spending insights and leverage analytics for greater financial oversight, and access to 24/7 support if you need it.
Gas cards rarely come up on a business’s radar when they’re looking into business credit cards, but this is one that you can get with just an EIN that offers typical corporate card benefits and the added benefit of saving on fuel and service when you’re on the road.
The Shell Small Business Card can be qualified for with a minimal business credit profile.
Shell isn’t the only gas station out there, and you’ll find that there are a couple more options for business credit cards if you want to both increase your business funding and save money on fuel should you travel frequently for business.
The Chevron and Texaco Business Card is another one that’s worth putting at the top of your list if you’re considering gas cards and you’re not interested in approaching a credit card company that requires you to use your personal credit.
The Chevron and Texaco Business Card is best for those who will be using it locally, whereas the Business Access Card is best suited for those who tend to travel long distances and want more flexibility over where they fuel up.
You’ll find that the Chevron and Texaco Business Card offers an extensive list of benefits modern business owners will enjoy. These include:
- No setup fees, annual card fees, or other card fees.
- Seamless account management from their mobile app.
- Special discounts on necessary business expenses like auto parts and hotels.
- Real-time spending and automated data collection with detailed spending reports so you can stay on top of your cash flow and expenses.
- Custom card controls and spending limits for each card issued.
Overall, it’s a solid choice if you want a business credit card that caters to your business needs and offers a little something extra you likely won’t find with traditional business credit card issuers.
You only need minimal business credit to qualify for this fuel card, so it’s a great option for companies looking to build business credit.
The Phillips 66 Commercial Credit Card is the final gas card on this list that you can leverage to help you build your business credit without the need for a personal credit check.
Phillips 66 actually offers a wide range of business credit card options to choose from, but likely the best fit for your needs is the Phillips 66 Commercial Credit Card.
The Phillips 66® – Conoco® – 76® Commercial Credit Card boasts a fast application process that makes it easy to get started even if you have bad credit.
Once approved, you have access to a business credit card that features no per-card fee, in-station benefits and acceptance across Phillips 66, Conoco, and 76 locations throughout the country, and $0 fraud liability for unauthorized purchases.
They also make it extremely easy to track your spending and manage your account, offering account alerts and reminders, paperless statements, and convenient autopay so you never miss a bill.
The Phillips 66® – Conoco® – 76® Commercial Credit Card is a bit simpler than some of the other gas cards on this list, but it’s still worth considering, especially if you have an abundance of Phillips 66, Conoco, or 76 gas stations in your area.
Like the Shell and Chevron fuel cards, this card can be qualified for with minimal business credit.
Making a rare appearance, we have an EIN-only business credit card offered by a bank and one that is dedicated to helping you build your business credit over time.
The Business Advantage Unlimited Cash Rewards Secured Business Credit Card makes finding the perfect credit line easy by matching your starting credit line with your initial deposit. As with most other secured cards, you can transfer to an unsecured one in time.
This card offers unlimited 1.5 percent cash back on all purchases, multiple ways to redeem cash, no annual fees, and even security features like fraud monitoring and zero liability protection.
Because this is a secured business credit card, you will find that the standard APR is a bit higher than you’d receive with other business credit cards, featuring a 28.49 percent variable APR as well as a 4 percent balance transfer fee on all purchases.
(Keep in mind that cash advances still come with high interest rates, and these small business loans can put you back if you’re not careful.)
Despite this, it’s still a solid business credit card that can help you start building your business credit and take advantage of other perks that you might only find with traditional financial institutions like banks.
It’s also one of many business credit cards that report to D&B and other major credit bureaus.
To qualify, you need a $1,000 minimum security deposit.
You might even consider getting this one alongside other secured business credit cards that don’t require personal credit checks like our next recommendation.
The Valley Visa Secured Business Credit Card from Valley Bank is one of the top options if you’re interested in starting your business credit journey with a secured card.
Valley Bank’s Secured Business Credit Card offers many of the same benefits as its regular business credit card, including 1 percent unlimited cash back and no annual fee, a 0 percent introductory APR for the first six months, and online account access with fraud protection.
With this card, you can create up to 25 employee cards for use in your business at no extra charge, and you’ll find the regular APR to be quite lower than most cards, ranging anywhere from 16.20% to 27.75% variable.
They also require a 110% fee on your security deposit, with a generous limit of $25,000 to help you get started with as high of a credit limit as you can afford. As long as you’re a small business owner who always pays on time, your credit score is sure to improve.
It’s a solid card and one that you should definitely consider if you’re looking into bank-offered credit cards that only require you to apply with your EIN and not your personal credit score.
Their website doesn’t say what the minimum security deposit is, but based on our experience, it’s probably not less than $1,000.
How eCredable Can Help You Build Business Credit
Building credit is the sole focus of applying to many of the business credit cards above, but there’s one way that you can get started on raising your score and establishing credit history with greater ease: eCredable Business.
Here at eCredable, we offer our Business Lift and Business Lift+ subscriptions as tradelines which we then report to major business credit bureaus like Dun & Bradstreet, Experian, and Equifax.
With our Business Lift subscription, we can help you increase your current business credit score by 40 percent in the first 3 months, and our Business Lift+ subscription can help you bolster your approach to business finance with invaluable business insights.
Don’t take a passive approach to business credit. Join us now to start building your business credit today.