8 Best Business Credit Cards for Startups With No Credit of May 2022

Earn $750 bonus cash back after you spend $7,500 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.

With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

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

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

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.

Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.

No Annual Fee

Terms Apply

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

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

Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee

$0 intro annual fee for the first year; $95 after that

Free employee cards which also earn unlimited 2X miles from their purchases

Earn 100k bonus points after you spend $15,000 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®

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

With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

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 Ultimate Rewards®

Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

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.

No credit score required to apply.*

No Annual Fee, earn cash back, and build your credit with responsible use.

Using your secured credit card helps build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can’t do that.

Establish your credit line with your tax return by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.

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. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

No credit check to apply, no annual fees or interest, and no minimum security deposit required. No stress! Additional terms apply.

Use your secured Credit Builder card everywhere VISA is 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!). Turn on Safer Credit Building and have your monthly balance automatically paid on time. Chime will report your activities to Transunion®, Experian®, and Equifax®.

Increase your credit score 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 Spending Account and receive a qualifying direct deposit of $200 or more. See www.chime.com to learn more.

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 20.24% APR on purchases and balance transfers based on the Prime Rate.