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.
The best business credit cards with no credit check are corporate cards, like the
Ramp Card
and Brex Card
. These cards don't check your credit because the business is solely liable for paying them off. Most other small-business credit cards require the business owner to promise to repay any debt the business can't. To mitigate that potential risk, issuers review the applicant's personal credit.Because they may lack that personal guarantee, corporate cards are typically only an option for high-revenue, formalized businesses. Sole proprietors and startups with no credit can instead opt for a secured business card, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card. Secured cards are also less dependent on personal credit because they're tied to a deposit the issuer can seize for non-payment.
Some corporate and secured cards may do a so-called soft pull of your credit to check your eligibility. Even if that turns up a low FICO score, you may still be approved for these cards. And unlike hard inquiries, soft pulls do not affect your credit score. If you're worried about getting denied, other options are to see if you can get preapproved for a business credit card based on your existing financial relationships or to opt for a non-credit product like a business debit card.
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.
All of our picks for the best business cards are chosen by our editorial team, who follow 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.
The best business credit cards with no credit check are corporate cards, like the
Ramp Card
and Brex Card
. These cards don't check your credit because the business is solely liable for paying them off. Most other small-business credit cards require the business owner to promise to repay any debt the business can't. To mitigate that potential risk, issuers review the applicant's personal credit.Because they may lack that personal guarantee, corporate cards are typically only an option for high-revenue, formalized businesses. Sole proprietors and startups with no credit can instead opt for a secured business card, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card. Secured cards are also less dependent on personal credit because they're tied to a deposit the issuer can seize for non-payment.
Some corporate and secured cards may do a so-called soft pull of your credit to check your eligibility. Even if that turns up a low FICO score, you may still be approved for these cards. And unlike hard inquiries, soft pulls do not affect your credit score. If you're worried about getting denied, other options are to see if you can get preapproved for a business credit card based on your existing financial relationships or to opt for a non-credit product like a business debit card.
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.
All of our picks for the best business cards are chosen by our editorial team, who follow 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 | 3.1/5 Best for Corporate card for venture-backed businesses | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card with straightforward rewards | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Corporate card with soft credit pull | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Soft-pull business credit card | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card with no bank account | $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 | 4.6/5 Best for Personal credit card with no upfront deposit | $0 | N/A | N/A | Apply now on Chime's website |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Brex Card Apply now on Brex's website | 3.1/5 Best for Corporate card for venture-backed businesses | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Ramp Card Apply now on Ramp's website | 3.7/5 Best for Corporate card with straightforward rewards | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Corporate card with soft credit pull | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Soft-pull business credit card | $0 | 1.5% | $200 | Apply now on Capital on Tap's website |
OpenSky® Secured Visa® Credit Card Apply now on Capital Bank's website | 4.3/5 Best for Personal credit card with no bank account | $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 | 4.6/5 Best for Personal credit card with no upfront deposit | $0 | N/A | N/A | Apply now on Chime's website |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
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Our pick for
Corporate card for venture-backed businesses
Brex Card
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.
Our pick for
Corporate card with straightforward rewards
Ramp Card
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
Corporate card with soft credit pull
BILL Divvy Corporate Card
Apply now
on BILL Spend & Expense's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- 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.
Our pick for
Soft-pull business credit card
Capital on Tap Business Credit Card
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Personal credit card with no bank account
OpenSky® Secured Visa® Credit Card
Apply now
on Capital Bank's website
Annual fee
$35
Rewards rate
1%-10% Cashback
Intro offer
N/A
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
Annual fee
$35
Rewards rate
1%-10% Cashback
Intro offer
N/A
Pros
- Qualify with limited/bad credit
Cons
- Has annual fee
- Requires minimum deposit
- New feature! Earn up to 10% cash back on everyday purchases
- 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
- 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
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- 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
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Our pick for
Personal credit card with no upfront deposit
Chime Secured Credit Builder Visa® Credit Card
Apply now
on Chime's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
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
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
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
- 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®.
- 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 60K+ 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 sign up for a Chime Checking Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.
Our list below includes multiple categories of products, including both business and personal credit cards. You can learn more about the different types of options here. Before applying for any card, confirm details on the issuer’s website.
Capital on Tap Business Credit Card
Our pick for: Soft-pull business credit card
NerdWallet star rating:
3.9
Applying with Capital on Tap does not affect your personal credit. Capital on Tap says 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 the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply. Ramp
Our pick for: Corporate card with straightforward rewards
NerdWallet star rating:
3.7
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. Brex
Our pick for: Corporate card for venture-backed businesses
NerdWallet star rating:
3.1
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.BILL Divvy Corporate Card
Our pick for: Corporate card with soft credit pull
NerdWallet star rating:
2.9
The
BILL Divvy Corporate Card
does require a personal credit check — however, it's a soft pull. That means applying won't lead to a potential ding on your credit score. You will need at least fair credit to qualify (a FICO score of 650+), but BILL also considers factors like cash balances. Its threshold for those (typically at least $20,000) is lower than the Brex Card
or Ramp Card
($50,000 and $75,000, respectively), making the BILL Divvy Corporate Card
potentially more accessible for some business owners. This card also stands out for its spend management platform. Learn more and apply. First National Bank Business Edition® Secured Mastercard® Credit Card
Our pick for: Pre-qualifying with bad credit
This card has not been rated by NerdWallet.
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
This card has not been rated by NerdWallet.
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
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.
Chime Secured Credit Builder Visa® Credit Card
Our pick for: Personal credit card with no upfront deposit
NerdWallet star rating:
4.6
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 with no bank account
NerdWallet star rating:
4.3
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.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.
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.
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 — and not the tens or hundreds of thousands — you likely won’t qualify for a corporate credit card.
Secured cards. While secured cards may check your credit, 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 to use solely for business purposes, 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. That makes this option best for potentially smaller operations, like sole proprietors.
If you’re unsure if you’ll pass a credit check, some business credit card issuers may 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 following:
- 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.
- 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.
- Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 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 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.
- Out of network ATM withdrawal and over the counter advance fees may apply. See here for details: https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/
Last updated on April 25, 2024
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.
