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.
Business owners looking for a business credit card that does not require a credit check have two options: a corporate card or a secured business card. Most other small-business credit cards require a credit check and personal guarantee to help card issuers mitigate their risk.
High-revenue businesses may qualify for a corporate card without a credit check. These cards place liability on the business — not the business owner — so personal credit matters less. Corporate cards are only available to incorporated businesses, and you can usually apply with just your employer identification number, or EIN.
Unincorporated businesses and those with thinner margins can opt for a secured business card or preloaded business debit card to potentially avoid a personal credit check. These cards require a security deposit, which determines your spending limit, and most secured business cards report to business credit bureaus so you can build your business credit history. Secured cards might require credit check, but a low score typically does not impact approval.
Here are our picks for best business cards with no credit check, along with information on how to get a card without impacting your personal credit.
Our editorial team follows strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
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.
Business owners looking for a business credit card that does not require a credit check have two options: a corporate card or a secured business card. Most other small-business credit cards require a credit check and personal guarantee to help card issuers mitigate their risk.
High-revenue businesses may qualify for a corporate card without a credit check. These cards place liability on the business — not the business owner — so personal credit matters less. Corporate cards are only available to incorporated businesses, and you can usually apply with just your employer identification number, or EIN.
Unincorporated businesses and those with thinner margins can opt for a secured business card or preloaded business debit card to potentially avoid a personal credit check. These cards require a security deposit, which determines your spending limit, and most secured business cards report to business credit bureaus so you can build your business credit history. Secured cards might require credit check, but a low score typically does not impact approval.
Here are our picks for best business cards with no credit check, along with information on how to get a card without impacting your personal credit.
Our editorial team follows strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
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 |
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Our picks for
Corporate card with no personal credit check
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
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
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
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
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
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
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
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
Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
Pros
- Qualify with limited / bad credit
Cons
- Has annual fee
- No rewards
- High APR
Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
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
Read Review
Apply now
on Capital Bank's website
Annual fee
$35
Rewards rate
N/A
Intro offer
N/A
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- No rewards
Annual fee
$35
Rewards rate
N/A
Intro offer
N/A
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
NerdWallet's editorial picks: Best small business credit cards with no personal credit check
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Brex
Our pick for: Corporate card with no personal credit check
Unlike most cards designed for entrepreneurs, the
Brex Card
doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well capitalized. The card earns rewards, too. Learn more and apply.Ramp
Our pick for: Corporate card with no personal credit check
The
Ramp Card
's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply. First National Bank Business Edition® Secured Mastercard® Credit Card
Our pick for: Pre-qualifying with bad credit
The
First National Bank Business Edition® Secured Mastercard® Credit Card
requires a credit check, but the bank lets you pre-qualify without affecting your credit score to see if you’re eligible. This card may be a good choice for bad-credit borrowers. Your security deposit will earn interest, and First National Bank lets you choose your own credit limit from $2,000 to $100,000 (in multiples of $50) when you apply. This card charges a $39
annual fee.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Our pick for: Secured business credit card
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.
Bento for Business Visa® Debit Card
Our pick for: Spending controls
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.
Chime Credit Builder Visa® Credit Card
Our pick for: Personal credit card with no security deposit
You'll need a Chime Checking Account — a free bank account that allows you to receive direct deposits — 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, but this card doesn't require an upfront security deposit as many secured credit cards do. Learn more and apply.
OpenSky® Secured Visa® Credit Card
Our pick for: Personal credit card for sole proprietors
The
OpenSky® Secured Visa® Credit Card
charges an annual fee, but a lot of people will still want to take a look at it 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. Learn more and apply.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 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.
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. But until then, your personal and business credit can remain intertwined.For example, when you apply for a small-business credit card, the inquiry will probably cost your personal credit a few points for a short time. Plus, if you fail to use your business credit card responsibly, most issuers will report that behavior to the consumer credit bureaus, further damaging your personal credit score and limiting your future financing options.
Options for getting a business credit card without a credit check
There are many types of business credit cards out there, and some may be available to people who don’t want a credit check or who have bad credit.
Corporate cards. Corporate cards don’t require a personal credit check because the company is liable for the debt. But if you’re just starting out or your revenue is in the thousands, not the millions, you likely won’t qualify for a corporate credit card.
Secured cards. While secured cards may require a credit check, most business owners are likely to qualify. That’s because secured cards require a deposit that the issuer can seize for nonpayment. That cash limits their risk, making secured cards some of the best business credit cards for bad credit.
Business debit cards. Debit cards aren’t credit cards, as your spending is tied to your cash balance in a linked business checking account. But business debit cards typically don’t require a credit check and may make sense for business owners who want to use plastic to better keep track of their own transactions or their employees’ spending.
Nonbusiness credit cards. You don’t necessarily need a business credit card for your business finances. You could get a separate personal credit card instead, and some personal credit cards don’t require a credit check. These cards may help your personal credit — a must for future financing — but they’ll lack features like employee cards and often come with lower limits than business credit cards.
If you’re unsure if you’ll pass a credit check, some business credit card issuers will let you pre-qualify. This process tells you whether or not you’ll likely be approved without affecting your personal credit score. It can also make sense to get a free credit score before applying. That way, you can find cards you may be eligible for and reduce the risk of failing a credit check.
Chime says: "The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted."
"To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits."
"Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month."
Last updated on September 29, 2023
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.