Best 9 Business Credit Cards with No Personal Credit Check

business credit cards that require no personal credit check or only conduct soft inquiries.

We cover nine of the best business credit cards no personal credit check below.

Best Business Credit Cards That Require No Personal Credit Check

1. FairFigure Capital Card
2. Capital on Tap Business Credit Card
3. Ramp Card
4. Brex Card
5. BILL Divvy Corporate Card
6. Rho Corporate Card
7. Coast Fuel Card
8. AtoB Fuel Card
9. Shell Small Business Card

1.FairFigure Capital Card

What if you could tap into funding while maximizing your business credit-building activity? If you want something that falls outside of the realm of traditional business credit cards, you’ll want the FairFigure Capital Card.

The FairFigure Capital Card is an EIN-only card that is offered alongside FairFigure’s credit monitoring services. When you sign up for their $30 credit monitoring subscription, you automatically receive access to this business credit builder card.

The FairFigure Capital Card is fairly easy to qualify for. So long as you run a business that has been operating for three months and you’re bringing in at least $2,500 a month, you can begin building business credit and accessing funding with the FairFigure Capital Card.

It’s important to note that it’s not a charge card or a business credit card. Instead, they fund your account with deposits they purchase at a discounted rate. Then, you use up to your credit limit, pay it back, and increase your credit limit over time.

What does the FairFigure Capital Card have to offer?

• Flexible Payback Terms: FairFigure offers the best business credit card in terms of flexibility. You get to choose between four-week and eight-week payback terms.
• Reported Tradelines: Your FairFigure Capital Card transactions are reported alongside your monthly subscription payment. This helps you build credit faster. FairFigure reports to Equifax, CreditSafe, the SBFE, and their Foundation Report.
• Seamless Application: The FairFigure Capital Card requires no paperwork, no personal credit check, no personal guarantee, and no security deposit.

If you want a card that’s designed for your small business’s needs, sign up with FairFigure today!

2.Capital on Tap Business Credit Card

Getting a business credit card with a traditional financial institution can be challenging. That’s where the Capital on Tap Business Credit Card comes in.

The Capital on Tap Card is designed for the average small business owner. Applying has no impact on your credit. More than that, you can apply in under two minutes and receive a decision within 24 hours.

How else does the Capital on Tap Business Credit Card support you? With the Capital on Tap Business Credit Card, you receive:

• 1.5% cash back on all business credit card purchases. You can bump this up to 2% by activating weekly autopay
• Unlimited free employee business credit cards that offer features like spend control, real-time spend tracking, and automatic syncing with Xero and QuickBooks
• 24/7 customer support if you need help with your account
• No foreign transaction or annual fees with your new small business credit card
• Credit limits of up to $50,000

The Capital on Tap Business Credit Card is relatively simplistic. However, this is exactly what makes it so appealing to many small businesses. It’s also not a secured credit card option. This is an added bonus.

It does conduct a soft pull on your credit, which won’t impact it. It’s one of the few business credit cards that do not report to the personal credit bureaus.

The only major downside of this credit card is the APR. They have a variable APR ranging from 17.49% - 57.49%. You could end up with a lower APR.

However, the potential of having a business credit card with an APR of over 50% poses a major risk to your business’s financial health.

You will likely qualify if you make at least $2,500 a month, have been in business for at least six months, and make your money off goods and services. They have very lax qualifications for a business credit card. This makes it one of the easiest business credit cards to qualify for.

They report to D&B, Experian, and Equifax.

3.Ramp Card

Corporate charge cards are among some of the top options if you want a business credit card without a personal credit check. One of the main options is the Ramp Corporate Card.

Ramp’s Corporate Card is heavily integrated into its other financial solutions. When you apply for a card, you automatically receive a financing tool that connects with your financial software. This helps you streamline expense management, simplify accounting, and more.

Speaking to the Ramp Visa Corporate Card, users enjoy:

• Up to 5% savings in the form of cash back and additional savings from partner offers
• Unlimited physical and virtual cards
• Automatic expense management (and other useful expense management tools)
• Comprehensive spend control and personalized workflows

As with many corporate cards, the qualification requirements for the Ramp card are a bit more stringent. These include the usual, such as being a U.S.-based corporation, LLC, or LP. However, you’ll also need at least $25,000 in cash in a U.S. bank account.

The Ramp Corporate Card reports to the major business credit bureaus. These include Dun & Bradstreet, Experian, and Equifax.

4.Brex Card

The Brex Card is another corporate card option worth considering if you’re shopping around for business credit cards with no personal credit check.

Brex is another financial company that offers numerous financial services. If you already use their financial solutions or their business banking account, your Brex Card will integrate well with these.

Brex offers many of the same benefits as the Ramp Corporate Card. This includes spend control, automated employee compliance, real-time spend tracking, and unlimited employee cards. You can even create cards for specific situations, including travel or vendor purchases.

What’s most attractive about the Brex Card is its robust points system. Brex offers points for nearly every purchase, boasting the following breakdown:

• 7x points on rideshare
• 4x points on Brex travel
• 3x points on restaurants
• 2x points on software
• 1x points on the rest

They also offer extra savings with Brex partners.

Brex isn’t too transparent about qualification requirements. However, if you’re a business with sizable revenue and cash reserves, you’ll have less difficulty qualifying for the Brex Card.

Brex reports to Dun & Bradstreet, Equifax, and Experian.

5.BILL Divvy Corporate Card

The BILL Divvy Corporate Card is another option on this list that will conduct a soft pull on your credit. It’s not a strictly EIN-only option like other cards. That being said, it won’t have a major impact on your credit. This is something to know upfront.

BILL is well known for its accounting solutions, which play a role in card management. If you already use BILL, your BILL Divvy Card will integrate with your software.

The BILL Divvy Card is one that’s designed for small to mid-sized businesses. They have credit lines ranging from as little as $1,000 to up to $5 million. They boast a simple online application and flexible underwriting to support your small business.

The BILL Divvy Card offers:

• Flexible rewards. Unlike other business credit cards, there are no set rewards.
• No annual fees.
• Spend controls, unlimited virtual cards, and advanced fraud protection.

BILL requires many of the same eligibility standards that most corporate cards do. This includes a U.S.-based business and an EIN. You may be required to have at least $20,000 in the bank.

They report to the SBFE.

6.Rho Corporate Card

Our final corporate card on this list, the Rho Card, is the last top corporate card. It’s a bit more difficult to qualify for, but it’s worth mentioning if you want to evaluate all of your options.

Rho is a fintech company that offers both financial solutions and products for accounting and wealth management. In fact, if you have them as your primary bank, you can qualify for the Rho Platinum Card.

The Rho Platinum Card offers the most cash back. You can get 2% cash back on every eligible purchase. If you choose the card with 30-day terms, cash back sits at 1%. If you pay your balance daily, you can get 1.25% cash back.

Rho Cards make it easy to control spend, automate accounting, and ensure your business runs smoothly with unlimited virtual cards.

Who qualifies? There is a minimum $250,000 deposit requirement. It can be waived, but Rho seems to be a bit tougher to qualify for than other corporate credit cards.

They also don’t state which small business credit bureaus they report to. Rather, they report at their discretion. If you’re looking to build credit as well, make sure to address this upon applying.

7.Coast Fuel Card

Most business credit cards that don’t require a personal credit check are corporate cards. But those aren’t your only options. Another great choice is a fleet card like the Coast Fuel Card.

You will need to operate a fleet in order to apply for a fuel card. But if you meet that basic qualification, you should be fine.

The Coast Fuel Card, like other fuel cards, does cost. It doesn’t have an annual fee. However, it does feature a $4 monthly charge per active card. That being said, this is fairly low.

You can earn rewards in two ways:

They offer rebates of anywhere from four to ten cents per gallon. This offer is available at most major gas stations, including Exxon, Shell, Circle K, and more. You can receive 1% cash back on all other purchases made with your card. This includes cash back for each eligible purchase made outside of gas stations. They may also offer you a statement credit.

The Coast Fuel Card is truly designed for any business. Whether you have five vehicles in your fleet or over a hundred, you can apply for the Coast Fuel Card. All they require is that you have a vehicle fleet and an incorporated U.S. business.

They report to the SBFE. They may perform a soft credit pull.

8.AtoB Fuel Card

The AtoB Fuel Card is a bit more expensive than the Coast Fuel Card. However, the rewards and the greater options at your disposal make it a solid choice if you’re seeking a business credit card with EIN only.

The AtoB Fuel Card does require you to pay a $35 account set-up fee. Once that’s been taken care of, you pay $15 per month for up to five cards. If you need more than 5 cards, you pay an additional $3 each month per card.

You could also sign up for Premium. This would be an additional $3 per month.

What do you get with Premium card membership on the AtoB Fuel Card? Normally, you would receive discounts of up to 45 cents per gallon or up to $2.00 per gallon on truck diesel. You would also receive up to five cents off per gallon for unleaded gasoline.

With Premium, you can boost those rewards. Premium could boost your rebates by up to 21 cents per gallon when you use the AtoB FuelMap.

The AtoB Fuel Card is a feature-rich card with plenty of discounts. It’s worth considering, even if the costs are a bit higher overall.

They report to Experian.

9.Shell Small Business Card

The Shell Small Business Card stands out a bit from the other options on this list.

You can technically get the Shell Small Business Card without a personal credit check.

However, the qualification requirements can be quite lofty for most small businesses. You’ll need to make at least $1 million annually and have a business that’s at least one year old.

If you don’t meet these criteria, expect a credit check. It’s one of the few business credit cards for fleets that is harder to qualify for without a personal credit check.

The Shell Small Business Card is also quite secretive about a lot of its terms. It’s not transparent about APR or late fees.

What do we know about the Shell Small Business Card?

• You can choose between paying in full and paying over time when applying.
• They report to Dun & Bradstreet, Equifax, and Experian.
• You can save up to six cents per gallon at Shell stations and up to 15% off maintenance services at participating Jiffy Lube locations.
• They have no annual fees.

The Shell Small Business Card likely won’t be your first choice. But if you do meet their eligibility requirements later, it might make sense to sign up to take advantage of Shell and Jiffy Lube savings.

Protect Your Personal Credit and Access Funding With FairFigure

Your personal credit isn’t needed to fund your business. There are business credit cards that will help you circumvent credit checks and leverage your EIN to fund your operations.

If you want to build business credit and tap into funding, consider the cards above, and sign up with FairFigure today!