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 | 3.2/5 Best for Corporate card with no personal credit check | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 4.0/5 Best for Corporate card with no personal credit check | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
First National Bank Business Edition® Secured Mastercard® Credit Card | Best for Pre-qualifying with bad credit | $39 | N/A | N/A | |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card for sole proprietors | $35 | N/A | N/A | Apply now on Capital Bank's website |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Brex Card Apply now on Brex's website | 3.2/5 Best for Corporate card with no personal credit check | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 4.0/5 Best for Corporate card with no personal credit check | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
First National Bank Business Edition® Secured Mastercard® Credit Card | Best for Pre-qualifying with bad credit | $39 | N/A | N/A | |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card for sole proprietors | $35 | N/A | N/A | Apply now on Capital Bank's website |
I'M INTERESTED IN:
Our picks for
Corporate card with no personal credit check
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
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
- 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.
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
Pre-qualifying with bad credit
First National Bank Business Edition® Secured Mastercard® Credit Card
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
- Request your own credit limit between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
- Earn interest on your security deposit.
- Variable 25.99% APR on purchases and balance transfers based on the Prime Rate.
Our pick for
Personal credit card for sole proprietors
OpenSky® Secured Visa® Credit Card
on Capital Bank's website
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
- Limited Time Offer: $51 funding voucher applied for all new accounts. Get a $200 credit line for $149. Click “Apply Now” to see additional terms and conditions.
- 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
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- 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
- 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
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit