Best Business Credit Cards With No Personal Credit Check of June 2025

Best Business Credit Cards With No Personal Credit Check

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Ramp Card Apply now on Ramp's website	Corporate card with cash back	4.3 /5	$0	1%-1.5% Cashback	$250	Apply now on Ramp's website
Pros No annual fee or foreign transaction fees No personal guarantee or credit check 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

Capital on Tap Business Credit Card Apply now on Capital on Tap's website	Soft-pull business credit card	4.6 /5	$0	1.5%	N/A	Apply now on Capital on Tap's website
Pros High rewards rate No reward caps Available with fair credit No annual fee. No foreign transaction fees. Cons Not available to sole proprietors, charities or nonprofits Must enroll in automatic payments Potential for very high APR No new cardholder bonus offer

Brex Card Apply now on Brex's website	Corporate card for venture-backed businesses	5.0 /5	$0	1x-7x Points	10,000 Points	Apply now on Brex's website
Pros No annual fee or foreign transaction fees New cardholder bonus offer No personal guarantee Card-level spending controls Cons Complicated rewards structure High capital requirement for approval Daily repayment may be required Not available to sole proprietors

BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website	Corporate card with soft credit pull	4.2 /5	$0	1x-7x Points	N/A	Apply now on BILL Spend & Expense's website
Pros No annual fee Card-level spending controls No personal guarantee Available to sole proprietors Cons Complicated rewards structure with limits on redemption Rewards rate varies depending on user activity

OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website	Personal credit card with no bank account	4.3 /5	$35	1%-10% Cashback	N/A	Apply now on Capital Bank's website
Pros Qualify with limited/bad credit Cons Has annual fee Requires minimum deposit

Chime Secured Credit Builder Visa® Credit Card Apply now on Chime's website	Personal credit card with no upfront deposit	4.6 /5	$0	N/A	N/A	Apply now on Chime's website
Pros No annual fee No credit check to apply No APR Adjustable credit limit Cons Must open a Chime Checking Account No rewards No upgrade path

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Ramp Card Apply now on Ramp's website	Corporate card with cash back	4.3 /5	$0	1%-1.5% Cashback	$250	Apply now on Ramp's website
Capital on Tap Business Credit Card Apply now on Capital on Tap's website	Soft-pull business credit card	4.6 /5	$0	1.5%	N/A	Apply now on Capital on Tap's website
Brex Card Apply now on Brex's website	Corporate card for venture-backed businesses	5.0 /5	$0	1x-7x Points	10,000 Points	Apply now on Brex's website
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website	Corporate card with soft credit pull	4.2 /5	$0	1x-7x Points	N/A	Apply now on BILL Spend & Expense's website
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website	Personal credit card with no bank account	4.3 /5	$35	1%-10% Cashback	N/A	Apply now on Capital Bank's website
Chime Secured Credit Builder Visa® Credit Card Apply now on Chime's website	Personal credit card with no upfront deposit	4.6 /5	$0	N/A	N/A	Apply now on Chime's website

Here are the best business credit cards with no personal credit check

Ramp Card

4.3

Best for Corporate card with cash back

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

New bonus offer

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
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 Card

Best for Corporate card with cash back

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

New bonus offer

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
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

Capital on Tap Business Credit Card

4.6

Best for Soft-pull business credit card

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Capital on Tap Business Credit Card

Best for Soft-pull business credit card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Brex Card

5.0

Best for Corporate card for venture-backed businesses

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

Best for Corporate card for venture-backed businesses

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

BILL Divvy Corporate Card

4.2

Best for Corporate card with soft credit pull

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

Best for Corporate card with soft credit pull

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Capital Bank Open Sky Secured Credit Card

OpenSky® Secured Visa® Credit Card

4.3

Best for Personal credit card with no bank account

Annual fee

$35

Rewards rate

1%-10%

Cashback

Intro offer

N/A

Apply now

on Capital Bank's website

Pros

Qualify with limited/bad credit

Cons

Has annual fee
Requires minimum deposit

OpenSky® Secured Visa® Credit Card

Best for Personal credit card with no bank account

4.3

Annual fee

$35

Rewards rate

1%-10%

Cashback

Intro offer

N/A

Apply now

on Capital Bank's website

Pros

Qualify with limited/bad credit

Cons

Has annual fee
Requires minimum deposit

Chime Secured Credit Builder Visa® Credit Card

4.6

Best for Personal credit card with no upfront deposit

Annual fee

Rewards rate

N/A

Intro offer

N/A

Apply now

on Chime's website

Pros

No annual fee
No credit check to apply
No APR
Adjustable credit limit

Cons

Must open a Chime Checking Account
No rewards
No upgrade path

Chime Secured Credit Builder Visa® Credit Card

Best for Personal credit card with no upfront deposit

4.6

Annual fee

Rewards rate

N/A

Intro offer

N/A

Apply now

on Chime's website

Pros

No annual fee
No credit check to apply
No APR
Adjustable credit limit

Cons

Must open a Chime Checking Account
No rewards
No upgrade path

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.

» MORE:

Differences between business and personal credit cards

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.

» MORE:

Best business credit cards for fair, average credit

See more from Chime®

Chime says the following:

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

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Tina Orem

Editor/Content Strategist | Taxes, small business, Social Security and 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 been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Previously, she was a financial analyst and director of finance for several public and private companies. Tina's work has appeared in a variety of local and national media outlets.