Skip to content

11 Best Business Credit Cards for Startups With No Credit of February 2024

By Kelsey Sheehy
Last updated on February 20, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 9 minutes

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.

Startups with no credit can still open a business credit card. Most card issuers prioritize personal credit score over your business credit score, so new companies can get a business credit card with perks like cash-back rewards, travel perks or a long intro APR period — whatever suits their new venture’s needs.
Keeping expenses low is especially important for startups. We focused on cards that have a low or no annual fee; we did not include any premium cards, which offer serious perks but can carry an annual fee of $500 or more. We also prioritized flat-rate cards that make it easy to earn rewards.
Business owners with no personal credit should consider a secured card. These cards can help build your credit score before you upgrade to a startup business credit card with better rewards. Secured cards require an upfront deposit, which determines your credit limit, and some are available with no credit check. A secured personal card will help build your personal credit score, but not your business score. Likewise, most secured business cards will only help build business credit.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

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.

Startups with no credit can still open a business credit card. Most card issuers prioritize personal credit score over your business credit score, so new companies can get a business credit card with perks like cash-back rewards, travel perks or a long intro APR period — whatever suits their new venture’s needs.
Keeping expenses low is especially important for startups. We focused on cards that have a low or no annual fee; we did not include any premium cards, which offer serious perks but can carry an annual fee of $500 or more. We also prioritized flat-rate cards that make it easy to earn rewards.
Business owners with no personal credit should consider a secured card. These cards can help build your credit score before you upgrade to a startup business credit card with better rewards. Secured cards require an upfront deposit, which determines your credit limit, and some are available with no credit check. A secured personal card will help build your personal credit score, but not your business score. Likewise, most secured business cards will only help build business credit.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Here are the best business credit cards for startups with no credit from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Overall business card for startups with no credit

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

Best for Travel rewards

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel rewards + sign-up bonus

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Discover it® Secured Credit Card

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

5.0/5

Best for Secured card (personal)

$0

1%-2%

Cashback

Cashback Match™

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Startups with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Chime Secured Credit Builder Visa® Credit Card

Apply now

on Chime's website

4.6/5

Best for Secured card (personal) with no security deposit

$0

N/A

N/A

Apply now

on Chime's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal credit check)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Cash-back boost (up to 75%)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for No annual fee travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR + AmEx Membership Rewards

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Overall business card for startups with no credit

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5

Best for Travel rewards

$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Travel rewards + sign-up bonus

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Startups with venture backing

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Discover it® Secured Credit Card

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

5.0/5

Best for Secured card (personal)

$0

1%-2%

Cashback

Cashback Match™

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Startups with annual spend below $50K

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Chime Secured Credit Builder Visa® Credit Card

Apply now

on Chime's website

4.6/5

Best for Secured card (personal) with no security deposit

$0

N/A

N/A

Apply now

on Chime's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card (no personal credit check)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Cash-back boost (up to 75%)

$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for No annual fee travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR + AmEx Membership Rewards

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Overall business card for startups with no credit

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Pros

  • High rewards rate
  • No minimum redemption amount

Cons

  • Has annual fee
  • No Intro APR period
  • High APR

Capital One Spark Miles for Business

NerdWallet rating 

4.8/5
Apply now

on Capital One's website

Our pick for

Travel rewards + sign-up bonus

Ink Business Preferred® Credit Card

Apply now

on Chase's website

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Our pick for

Startups with venture backing

Brex Card

Apply now

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

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Our pick for

Secured card (personal)

Discover it® Secured Credit Card

Apply now

on Discover's website, or call 800-347-0264

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR

Discover it® Secured Credit Card

NerdWallet rating 

5.0/5
Apply now

on Discover's website, or call 800-347-0264

Our pick for

Startups with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Our pick for

Secured card (personal) with no security deposit

Chime Secured Credit Builder Visa® Credit Card

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

NerdWallet rating 

4.6/5
Apply now

on Chime's website

Our pick for

Corporate card (no personal credit check)

Ramp Card

Apply now

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

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Our pick for

Cash-back boost (up to 75%)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

Pros

  • No annual fee
  • New cardholder bonus offer
  • High cash back rate

Cons

  • Has foreign transaction fee
  • Requires excellent credit

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

Our pick for

No annual fee travel card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

Pros

  • No annual fee
  • New cardholder bonus offer
  • No reward caps
  • No foreign transaction fees

Cons

  • Requires excellent credit

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

Our pick for

Intro APR + AmEx Membership Rewards

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

NerdWallet's editorial picks: Best business credit cards for startups with no credit

Before applying, confirm details on the issuer’s website.

Ink Business Unlimited® Credit Card

Best for: Overall business card for startups with no credit
NerdWallet star rating:
5
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Learn more and apply.

The American Express Blue Business Cash™ Card

Best for: Startups with annual spend below $50K
NerdWallet star rating:
4.9
The American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also a
$0
annual fee. Learn more and apply.

Ink Business Preferred® Credit Card

Best for: Travel rewards + sign-up bonus
NerdWallet star rating:
4.9
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere:
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.

Discover it® Secured Credit Card

Best for: Secured card to build personal credit
NerdWallet star rating:
5
There are no Discover business credit cards. But the
Discover it® Secured Credit Card
may be a good alternative to help you build your personal credit score. It requires a cash security deposit, but unlike most secured cards, it also offers rewards. And what really makes it stand out from the competition are its upgrade possibilities: The issuer has a process in place for automatically reviewing accounts for possible transition to an unsecured card. Learn more and apply.

The Blue Business® Plus Credit Card from American Express

Best for: Intro APR + AmEx Membership Rewards
NerdWallet star rating:
4.6
The Blue Business® Plus Credit Card from American Express
is a near-twin to
The American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.

Capital One Spark Miles for Business

Best for: Travel rewards
NerdWallet star rating: