Skip to content

12 Best Business Credit Cards for Startups With No Credit of June 2024

By Kelsey Sheehy
Last updated on May 7, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 7 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 factors like business credit score or revenue. That means new companies can get a business credit card with cash-back rewards, travel perks or a long intro APR period — often with no annual fee to keep costs low.
Business owners with no personal credit should consider a secured card. Secured cards require a deposit that determines your credit limit. 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.
Formalized startups with solid capital may have another option. Corporate cards are among the few business credit cards available without a credit check. You can often apply with just an EIN. The tradeoff: You’ll need a hefty business bank account balance to qualify. Still, these cards might be a fit if your startup is incorporated or an LLC, and also has venture backing or otherwise strong cash reserves.
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 factors like business credit score or revenue. That means new companies can get a business credit card with cash-back rewards, travel perks or a long intro APR period — often with no annual fee to keep costs low.
Business owners with no personal credit should consider a secured card. Secured cards require a deposit that determines your credit limit. 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.
Formalized startups with solid capital may have another option. Corporate cards are among the few business credit cards available without a credit check. You can often apply with just an EIN. The tradeoff: You’ll need a hefty business bank account balance to qualify. Still, these cards might be a fit if your startup is incorporated or an LLC, and also has venture backing or otherwise strong cash reserves.
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 Corporate card for venture-backed startups

$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 to build personal credit

$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

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card with flat-rate cash back

$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

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate card for fair credit

$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 Business credit card for fair, average credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

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 Corporate card for venture-backed startups

$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 to build personal credit

$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

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card with flat-rate cash back

$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

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate card for fair credit

$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 Business credit card for fair, average credit

$0

1.5%

$200

Apply now

on Capital on Tap'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.

Fundera by NerdWallet

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

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

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

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

Travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

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

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

Our pick for

Travel rewards + sign-up bonus

Ink Business Preferred® Credit Card

Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

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

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Our pick for

Corporate card for venture-backed startups

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
  • Not available to sole proprietors

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

Our pick for

Secured card to build personal credit

Discover it® Secured Credit Card

Apply now

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

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

Discover it® Secured Credit Card

NerdWallet rating 

5.0/5
Apply now

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

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
Cashback Match™

Our pick for

Startups with annual spend below $50K

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

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

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Corporate card with flat-rate cash back

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

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

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

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

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

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

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

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

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

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Our pick for

Intro APR + AmEx Membership Rewards

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

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

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Corporate card for fair credit

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
  • Not available to sole proprietors.

BILL Divvy Corporate Card

NerdWallet rating 

2.9/5
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
N/A

Our pick for

Business credit card for fair, average credit

Capital on Tap Business Credit Card