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 your personal credit score over factors like business credit score or revenue. That means new companies can get a business credit card right away.
Lacking personal credit? Consider a personal or business secured card. A secured personal card will help build your personal credit score, positioning you to eventually upgrade to an unsecured startup business credit card. But if you simply want to establish your startup's credit, a secured business card is the better choice. The best option is the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured card.
Best business cards for startups with no credit
- BILL Divvy Corporate Card: Best corporate card for fair credit.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for no annual fee travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75%).
- Brex Card: Best corporate card for venture-backed startups.
- Capital One Spark Miles for Business: Best for travel rewards.
- Capital on Tap Business Credit Card: Best business credit card for fair, average credit.
- Discover it® Secured Credit Card: Best for secured card to build personal credit.
- Ink Business Preferred® Credit Card: Best for travel rewards + sign-up bonus.
- Ink Business Unlimited® Credit Card: Best overall business card for startups with no credit.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for startups with annual spend below $50K.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR + AmEx Membership Rewards.
While all of our picks for business cards for startups with no credit are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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 your personal credit score over factors like business credit score or revenue. That means new companies can get a business credit card right away.
Lacking personal credit? Consider a personal or business secured card. A secured personal card will help build your personal credit score, positioning you to eventually upgrade to an unsecured startup business credit card. But if you simply want to establish your startup's credit, a secured business card is the better choice. The best option is the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured card.
Best business cards for startups with no credit
- BILL Divvy Corporate Card: Best corporate card for fair credit.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for no annual fee travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75%).
- Brex Card: Best corporate card for venture-backed startups.
- Capital One Spark Miles for Business: Best for travel rewards.
- Capital on Tap Business Credit Card: Best business credit card for fair, average credit.
- Discover it® Secured Credit Card: Best for secured card to build personal credit.
- Ink Business Preferred® Credit Card: Best for travel rewards + sign-up bonus.
- Ink Business Unlimited® Credit Card: Best overall business card for startups with no credit.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for startups with annual spend below $50K.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR + AmEx Membership Rewards.
While all of our picks for business cards for startups with no credit are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best business credit cards for startups with no credit
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Overall business card for startups with no credit Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Travel rewards Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.7/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Travel rewards + sign-up bonus Ink Business Preferred® Credit Card Apply now on Chase's website | 4.8/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
No annual fee travel card Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 4.2/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Corporate card (no personal guarantee) Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Corporate card for venture-backed startups Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Secured card to build personal credit Discover it® Secured Credit Card Apply now on Discover's website, or call 800-347-0264 Rates & Fees | 5.0/5 | $0 | 1%-2% Cashback | Cashback Match™ | Apply now on Discover's website, or call 800-347-0264 Rates & Fees |
Startups with annual spend below $50K The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
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 | 4.6/5 | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Intro APR + AmEx Membership Rewards The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Corporate card for fair credit BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 3.6/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
Business credit card for fair, average credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
I'M INTERESTED IN:
Our pick for
Overall business card for startups with no credit
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This card has a long intro APR period and earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Travel rewards
Capital One Spark Miles for Business
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
You'll get 2 miles per $1 spent, and there's no annual fee for the first year.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
Travel rewards + sign-up bonus
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
This card has a huge welcome bonus and earns up to 3X on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
No annual fee travel card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Unlike most travel rewards card, this option from Bank of American has no annual fee and an intro APR period. There's also a modest welcome offer for new cardholders.
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Corporate card (no personal guarantee)
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
This corporate charge card offers cash back on qualified purchases (the actual reward rate varies by business), card-level spending controls and a robust expense management system. It does not require a personal credit check or guarantee, either. Note: It is not available to sole proprietors.
- 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 $25,000 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 for venture-backed startups
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
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
There's no credit check or personal guarantee, but there is a lofty revenue requirement — $50,000 if you're venture-backed; $1 million if you're self-funded. If approved, you'll earn up to 7X points per $1 spend.
- 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
Secured card to build personal credit
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
Cashback Match™
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
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.
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Raise your credit score by 30+ points.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
View Rates & Fees
Our pick for
Startups with annual spend below $50K
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card is a great option for businesses that expect to spend less than $50,000 annually. Up to that point, you'll get 2% back on all purchases (and 1% after). The card also has a yearlong intro APR period and no annual fee.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Cash-back boost (up to 75%)
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
This card offers 1.5% cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Intro APR + AmEx Membership Rewards
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card is nearly identical to the AmEx Blue Business Cash, except it earns AmEx Membership Rewards points rather than cash back.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Corporate card for fair credit
BILL Divvy Corporate Card
Read Review
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
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Cannot carry a balance
- No new cardholder bonus offer
Unlike other corporate cards, the BILL Divvy Corporate Card does require a credit check and applicants generally need a FICO score of 650 or higher. But the card's underwriting criteria — like a minimum $20,000 business account balance — may make it a more accessible corporate option for some. If approved, you can earn up to 7x points on restaurants and 5x points on hotels, though weekly payments are required to hit the top tier.
- 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
Business credit card for fair, average credit
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer