Best Business Credit Cards With No Personal Credit Check of July 2025
Most business credit cards require a credit check. Corporate and secured business cards are exceptions. These cards typically won’t check your personal credit, or only do a soft pull to confirm eligibility.
Editor/Content Strategist | Taxes, retirement, small business, Social Security, estate planning, home services, cars
Tina Orem is an editor and content strategist at NerdWallet. Prior to becoming an editor and content strategist, she covered small business and taxes at NerdWallet. She has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Her work has appeared in a variety of local and national media outlets. Email: <a href="mailto:torem@nerdwallet.com">torem@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Editor/Content Strategist | Taxes, retirement, small business, Social Security, estate planning, home services, cars
Tina Orem is an editor and content strategist at NerdWallet. Prior to becoming an editor and content strategist, she covered small business and taxes at NerdWallet. She has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Her work has appeared in a variety of local and national media outlets. Email: <a href="mailto:torem@nerdwallet.com">torem@nerdwallet.com</a>.
Senior writer | Small business banking and credit cards, Paycheck Protection Program, consumer spending, and household finances
Kelsey Sheehy is a NerdWallet authority on small business. Her work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the <a href="https://www.today.com/video/christmas-in-july-sales-to-take-advantage-of-now-64075333536">"Today"</a> show, <a href="https://www.nbcnews.com/nightly-news/video/tax-code-changes-leave-many-americans-with-unhappy-returns-1440385091860">NBC News</a> and <a href="https://abcnews.go.com/WNT/video/cost-smartphones-reaching-time-high-54166111">"ABC World News Tonight"</a> and has been quoted by the Los Angeles Times, CNBC and American Banker, among other publications. Email: <a href="mailto:ksheehy@nerdwallet.com">ksheehy@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Ramp doesn't do a personal credit check, but they do require your company to have at least $25,000 in a business bank account. Your business also needs to be located in the U.S. and do most of its business within the U.S. The Ramp Card earns cash back on all purchases and comes with robust, built-in spending controls and expense management tools. Note: This card is not available to sole proprietors.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer
This card does a soft credit pull, so applying does not hurt your personal credit. 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 a potentially low APR. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors.
1.5% rewards on all spend, no caps or restrictions
$0 annual fee
No foreign exchange fees
APRs range from 17.49% to 57.49% variable
Unlimited cards for your employees
Capital on Tap Business Credit Cards are issued by WebBank
This card doesn't require a personal credit check or guarantee, but does have a hefty capital requirement ($50,000 to $1 million). Brex uses that cash-on-hand, along with your time in business, spending patterns and investors, to determine approval, credit limit and repayment terms. The Brex Card is 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.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
This card does require a personal credit check — but it's a soft pull, so applying won't ding your credit score. The BILL Divvy Corporate Card is available to sole proprietors, making it unique among corporate cards, but you need a FICO score of at least 650 to qualify. You also need at least $20,000 in a business bank account — a lower bar than Brex or Ramp, but still a hurdle for some businesses. If approved, you can earn rewards on spending and take advantage of BILL's spend management tools.
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.
The OpenSky® Secured Visa® Credit Card is a personal card, not a business card, but it can help you improve your personal credit over time so you can eventually qualify for a business credit card down the road. This card does charge an annual fee, but it's still worth a look 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.
Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
This secured personal card can help you build your credit, with the goal of qualifying for a better business card down the road. There's no credit check and no security deposit required, which is rare for a secured card. But you do need a Chime Checking Account 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.
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®.
Help 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 50K+ 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 have an active Chime Checking Account. See www.chime.com to learn more.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Ramp doesn't do a personal credit check, but they do require your company to have at least $25,000 in a business bank account. Your business also needs to be located in the U.S. and do most of its business within the U.S. The Ramp Card earns cash back on all purchases and comes with robust, built-in spending controls and expense management tools. Note: This card is not available to sole proprietors.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls
Cons
Not available to sole proprietors
Rewards rate varies and is determined per customer
Ramp doesn't do a personal credit check, but they do require your company to have at least $25,000 in a business bank account. Your business also needs to be located in the U.S. and do most of its business within the U.S. The Ramp Card earns cash back on all purchases and comes with robust, built-in spending controls and expense management tools. Note: This card is not available to sole proprietors.
Get a $250 Ramp card upon approval. Limit one per new customer. No minimum spend required.
Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
Control wasteful spending before it happens with built-in vendor and category restrictions.
Complete visibility into corporate spending to help guide strategic business decisions.
Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
Speed up monthly close with automated coding and reconciliation.
Up to 30x higher credit limits than traditional business credit cards.
Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
No personal credit check or personal guarantee required.
Up to 1.5% cashback on all card spend.
Get approved in less than 48 hours.
No annual fee or foreign transaction fees.
Issue unlimited virtual cards and physical cards for each employee.
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 $25,000 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.
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer
This card does a soft credit pull, so applying does not hurt your personal credit. 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 a potentially low APR. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors.
Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer
This card does a soft credit pull, so applying does not hurt your personal credit. 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 a potentially low APR. (But you'll need excellent credit to snag that low APR.) One important note: This card is not available to sole proprietors.
This card doesn't require a personal credit check or guarantee, but does have a hefty capital requirement ($50,000 to $1 million). Brex uses that cash-on-hand, along with your time in business, spending patterns and investors, to determine approval, credit limit and repayment terms. The Brex Card is 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.
Brex Card
Best for Corporate card for venture-backed businesses
This card doesn't require a personal credit check or guarantee, but does have a hefty capital requirement ($50,000 to $1 million). Brex uses that cash-on-hand, along with your time in business, spending patterns and investors, to determine approval, credit limit and repayment terms. The Brex Card is 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.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
This card does require a personal credit check — but it's a soft pull, so applying won't ding your credit score. The BILL Divvy Corporate Card is available to sole proprietors, making it unique among corporate cards, but you need a FICO score of at least 650 to qualify. You also need at least $20,000 in a business bank account — a lower bar than Brex or Ramp, but still a hurdle for some businesses. If approved, you can earn rewards on spending and take advantage of BILL's spend management tools.
Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity
This card does require a personal credit check — but it's a soft pull, so applying won't ding your credit score. The BILL Divvy Corporate Card is available to sole proprietors, making it unique among corporate cards, but you need a FICO score of at least 650 to qualify. You also need at least $20,000 in a business bank account — a lower bar than Brex or Ramp, but still a hurdle for some businesses. If approved, you can earn rewards on spending and take advantage of BILL's spend management tools.
The OpenSky® Secured Visa® Credit Card is a personal card, not a business card, but it can help you improve your personal credit over time so you can eventually qualify for a business credit card down the road. This card does charge an annual fee, but it's still worth a look 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.
The OpenSky® Secured Visa® Credit Card is a personal card, not a business card, but it can help you improve your personal credit over time so you can eventually qualify for a business credit card down the road. This card does charge an annual fee, but it's still worth a look 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.
This secured personal card can help you build your credit, with the goal of qualifying for a better business card down the road. There's no credit check and no security deposit required, which is rare for a secured card. But you do need a Chime Checking Account 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.
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®.
Help 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 50K+ 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 have an active Chime Checking Account. See www.chime.com to learn more.
Chime Secured Credit Builder Visa® Credit Card
Best for Personal credit card with no upfront deposit
This secured personal card can help you build your credit, with the goal of qualifying for a better business card down the road. There's no credit check and no security deposit required, which is rare for a secured card. But you do need a Chime Checking Account 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.
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®.
Help 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 50K+ 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 have an active Chime Checking Account. See www.chime.com to learn more.
Other picks: Best business cards with no personal credit check
The following business cards aren't available through NerdWallet. Before applying, confirm details on the issuer’s website.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
NerdWallet rating: 4.4
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. Read our full review.
Note: This card may require a credit check but the bar to qualify is very low.
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.
Note: This is a business debit card, which lets you issue employee cards and implement spending controls. Most don't require a credit check but they also don't help build your credit.
Types of business credit cards that don't require a credit check
Corporate cards. Corporate cards don’t require a personal credit check or a personal guarantee, but most require strong revenue and a bank balance north of $75,000. Sole proprietors and other unincorporated businesses are not eligible for most corporate cards (BILL Divvy Corporate Card is the lone exception on this list).
Secured cards. Secured cards may check your personal credit (some only do a soft pull) but most only require a FICO score of 300 to qualify. You'll need to put down a deposit which will determine your credit limit (that's the "secured" part). Look to a secured personal card to improve your personal credit score — a must for future financing. Want to build your business credit score? Opt for a secured business credit card, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.
Business debit cards. Business debit cards are a good option for business owners who want tight control over employee spending but don't qualify for a corporate card. Debit cards pull directly from funds in your linked business checking account and most don't require a personal credit check.
Can you get a business credit card with no credit check?
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.
How to build business credit without using personal credit
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.
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 an active Chime® Checking Account.
Based on a representative study conducted by Experian® in January 2024, 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 deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
SpotMe® on Credit Builder is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. To qualify for the SpotMe on Credit Builder service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical secured Chime Credit Builder Visa® Credit Card or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Credit Builder Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Credit Builder, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Credit Builder won’t cover non-card transactions. SpotMe on Credit Builder Terms and Conditions.
Last updated on June 5, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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