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Learn how to build business credit and access more business financing.

Startup Business Credit Cards with No Credit EIN Only 

Using startup business credit cards with no credit EIN offers two main benefits.  

First, it allows you to separate your personal and business finances to prevent your personal credit score from being negatively impacted by business purchases. Second, it can help raise your business credit score when used responsibly.  

With that said, here are our top eight picks that are EIN only.  

The 9 Best Startup Business Credit Cards with No Credit EIN Only  

  1. FairFigure Capital Card
  2. Spark 1% Cash Back Business Credit Card 
  3. BILL Spend & Expense 
  4. Stripe Corporate Card 
  5. Nav Prime Card 
  6. Ramp Corporate Card 
  7. Capitalontap 
  8. Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card 
  9. FNBO Business Edition® Secured Mastercard® Credit Card 

1. FairFigure Capital Card

The FairFigure Capital Card is a unique EIN-only offering in comparison to the many other startup business credit cards out there. 

The FairFigure Capital Card leverages your business data and monthly revenue to provide you with access to capital. They do not require a good personal credit score or business credit to qualify.

The main requirements are a minimum monthly revenue of $2,500 and a business that is at least three months old. The higher your revenue, the better the funding amounts and terms they can offer you.

They offer a convenient tool on their website to show you how much you may be approved for based on your current monthly recurring revenue. You can then choose from flexible payment terms to ensure your card works for you with either a 4-week or 8-week repayment plan. 

The FairFigure Capital Card offers cash back on vendor purchases, the ability to increase your current funding with on-time payments, no required security deposit, and fast funding. 

Need to use your card immediately? FairFigure allows you to use your virtual card until your physical card arrives in the mail as well. 

More than that, you’ll build your credit relatively quickly. All payments are reported to the SBFE, Equifax Commercial, CreditSafe, and FairFigure’s own Foundation Report. 
It’s a solid choice for a startup business needing to build credit and access funding fast. Apply now for the FairFigure Capital Card today and get started at no cost to you.

2. Spark 1% Cash Back Business Credit Card 

Although the 29.99% APR is on the high side, everything else about this business credit card should appeal to most small business owners. 

It offers 1% unlimited cash back on all purchases (the same as the Tap Business Credit Card) and 5% unlimited cash back on hotels and rental cars that are purchased through Capital One Travel.  

There’s no annual fee. And you can pick your monthly due date for maximum flexibility when making credit card payments.  

Plus, this Capital One business credit card offers comprehensive financial management tools to keep close tabs on your business expenses and manage employee spending.  

We also love how quick and easy it is to apply for the Spark unlimited 1% cash back card.  

You simply need some basic information like your business name, business address, and business tax ID — a process that only takes about 10 minutes — and Capital One will give you an instant decision.  

The bottom line is that if you’re looking for straightforward business card rewards with an easy application process, this is one of the best business credit cards available.   

Just like using a personal credit card responsibly can pave the way for personal loans, using this small business credit card wisely can help you overcome limited or bad credit and open the door for future business financing opportunities.  

That way, it’s easier to land the best business credit card with favorable terms and interest and potentially no personal credit check.  

3. BILL Spend & Expense 

Formerly known as Divvy, BILL Spend & Expense has a robust rewards program.  

Note that rewards are more complex than most other business credit cards, and you have to spend at least 30% of your credit line each month to retain your rewards. But they are impressive.  

Here’s how the rewards break down. 

Billing Cycle Weekly, Daily, or Prepaid Semi-Monthly Monthly
Restaurants 7x 4x 2x
Hotels 5x 3x 2x
Recurring Software Subscriptions 2x 1.75x 1.5x
Everything Else 1.5x 1x 1x

 

Because the BILL Divvy Corporate Card combines with the BILL Spend & Expense cost management solution, you can increase cash flow, earn rewards, and build your business credit score while also maintaining full control of your business expenses.  

Besides that, we like that there are no hidden fees, and you have access to an unlimited number of physical and virtual business credit cards.  

All this is on top of the fact that BILL Spend & Expense is EIN only with no personal credit check. That way, you don’t have to give out your SSN, and you can keep your business and personal expenses separate to avoid potentially harming your personal credit score.  

If you’re concerned with a personal credit check, this card should be on your radar.  

4. Stripe Corporate Card 

Here’s another card with an ultra-simple rewards program. With the Stripe Corporate Card, you earn 1.5% cash back on all business purchases.  

While you don’t earn as much with the Stripe Corporate Card as the Ink Business Cash Card, 1.5% is certainly respectable.  

Another benefit is that your business credit limit can increase over time. Because Stripe looks at your payment processing and bank history, you have the potential to boost your funding as you scale your business and improve your credit score.  

Also, an account opening for this corporate credit card is quick and easy. There’s no paperwork or personal guarantee, and you can be approved in minutes.  

For more no personal guarantee options, here’s a list of no PG business credit cards.  

Additionally, Stripe offers comprehensive real-time reporting, making it easy to accurately track business expenses, and it integrates with QuickBooks and Expensify for streamlined accounting.  

And because Stripe looks at your business health, you don’t have to deal with a personal credit check.    

So again, if a personal credit check is a concern, this is a business card to consider.  

5. Nav Prime Card 

Unlike each business card mentioned up until now, the Nav Prime Card is a charge card, which means there are no rewards.  

The main purpose of this business card is to help a small business owner build business credit — something that’s done by offering up to two tradelines. With this card, each transaction, as well as each Nav Prime payment, is reported to business credit bureaus. 

In other words, the transactions made on your Nav Prime Card and your Nav Prime Card payments themselves are reported to business credit bureaus for maximum credit score impact.  

As long as it’s used responsibly, this can help you quickly build business credit because of the two-pronged approach.  

Nav also places a big emphasis on business credit health and allows you to keep a bird’s-eye view of your business credit history.  

With the platform, you can follow your business credit trends to identify patterns over time, as well as get real-time credit alerts if there’s ever an issue that could affect your business credit score.  

If you’re less concerned with rewards and focused primarily on building business credit, the Nav Prime Card may be right up your alley. And again, you don’t have to deal with a personal credit check, which means your personal credit score isn’t a factor when determining eligibility.  

6. Ramp Corporate Card 

One of the biggest selling points of the Ramp Visa Corporate Card is effortless business purchasing and expense reporting. Ramp utilizes cutting-edge AI that allows for automatic bill pay and detailed spending analysis.  

If you want to be in the driver’s seat of your financial management, this card is hard to beat.  

We also like Ramp’s simple rewards program, where you earn 1.5% cash back on all business purchases, with no categories or restrictions. Just like the Stripe Corporate Card, you get solid rewards with no head-scratching as to how much you’ll earn.  

And with less time spent on reporting and accounting, businesses save an average of 5% by using this card. Not to mention, there’s no annual fee or foreign transaction fee, and it’s not a secured visa card.  

This is all on top of having no personal guarantee and no personal credit check, which means you don’t have to put your personal credit at risk.  

It’s also worth noting that Ramp has received a 4.8 out of 5-star rating with G2 and was named one of 2024’s most innovative businesses by Fast Company.  

If you don’t want to deal with a personal credit check, Ramp deserves your attention.  

7. Capitalontap 

If you’re a small business owner, there’s a lot to like about this startup business credit card.  

It offers 1.5% cash back on every business purchase. And if you use weekly AutoPay, you get 2%, making it one of the best business credit cards for rewards. 

Next, there are no annual or foreign transaction fees, which means it’s a great choice for companies that consistently do business internationally.  

You get free unlimited business credit cards and can conveniently set spending controls on employee cards. And Capitalontop integrates with Xero and QuickBooks for simple, accurate accounting.  

Also, opening an account with this credit card issuer is quick and easy. You’ll typically get a decision within 24 hours and should receive a physical business credit card within four days.  

Finally, it’s worth mentioning that this business card has received a 4.9 out of 5-star rating from Apple, a 4.7 from Google, and a 4.7 from Trustpilot, which is impressive.  

8. Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card 

With a variable APR of 28.49%, this secured credit card is slightly less than the Spark card from Capital One, which is 29.99%. It also comes with more cash back at 1.5% on every purchase compared to the Spark card’s 1%.  

However, you don’t get the 5% unlimited cash back on hotels and rental cars like you do with the Spark business credit card.  

Because this is a secured credit card, you’re required to put in a minimum security deposit of $1,000. Whatever you put in, your credit limit will be equal to that amount (up to $10,000). 

Note that this credit card company routinely reviews accounts. So if you continually make payments on time and improve your business credit history, you may become eligible for an unsecured business credit card at some point. 

This is certainly something to take into account, as this won’t necessarily always be a secured credit card.  

Other perks include no annual fee, sophisticated business expense management tools, and the ability to monitor your Dun & Bradstreet business credit score with Business Advantage 360, making this one of the best EIN only secured business credit cards

9. FNBO Business Edition® Secured Mastercard® Credit Card 

Like the Bank of America Business Advantage Unlimited Cash Rewards Mastercard, this card from First National Bank of Omaha (FNBO) is another secured business credit card option. However, it doesn’t offer any rewards and there’s a $39 annual fee.   

But what it does offer is a lower APR of 25.99% compared to Bank of America’s 28.49%, rebates with over 40,000 merchants and interest on your security deposit.  

Some other notable features of this business credit card include: 

  • The ability to request your credit limit, ranging from $2,000 to $10,000 
  • Built-in expense management tools 
  • Mobile receipt management 
  • Car rental insurance 

Here’s a list of EIN-only business gas cards to keep your vehicles fueled while building business credit.  

There’s also zero liability if you ever encounter fraudulent charges, which is a nice touch.  

While the lack of traditional rewards and an annual fee aren’t ideal, we feel this FNBO business credit card is still one of the best business credit cards when you look at the big picture.  

Increase Your Business Credit Score By Up to 40% with eCredable 

Business credit cards and other forms of funding like a small business loan can help improve your business credit history. However, they’re by no means the only way to build business credit.  

A popular alternative that’s gained momentum lately is eCredable, which turns your business bills into tradelines. For example, utilities like electricity, water, gas, and internet can be reported to the business credit bureaus, offering a quick bump to your business credit score.  

This, combined with reporting your eCredable subscription payments to business credit bureaus, is one of the fastest ways to build credit and overcome bad credit by simply paying expenses you’d be paying anyway.  

And the impact can be significant, with companies seeing an average 40% business credit lift within the first three months of using eCredable.  

So even with bad credit, you can often establish a favorable business credit score fairly quickly, which can help you get the best credit card, business loan, or other financing.  

Not to mention, there’s no credit check. Because eCredable focuses on improving your business credit score by reporting positive payments, you can build business credit without a personal credit check being a factor.  

You can see eCredable in action here.  

 

 

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