9 Business Credit Cards for LLC with EIN in 2026

The earlier you separate your personal credit from your business credit, the better. That being said, many business credit cards require you to apply with your personal credit to start.

Our list gives you some true EIN-only business credit cards for your LLC that you can choose from.

We look at the best business credit cards for LLC with EIN below to help you get started.

Best Business Credit Cards for LLC with EIN Compared

• FairFigure Lift Card
• BILL Spend & Expense
• Revenued
• Ramp Corporate Card
• Rho Corporate Card
• Aspire Card
• Zeni Card
• AToB Flex Fuel Card
• WEX Fleet Card

Best Business Credit Cards for LLC with EIN Compared

1. FairFigure Lift Card

The FairFigure Lift Card is a true EIN-only option for LLCs.

It requires no personal guarantee, no personal credit check, and no paperwork. If you have a low personal credit score or poor personal credit history, don’t worry.

The FairFigure Lift Card isn’t a business credit card. Instead, it extends funding based on your business revenue. As you generate more revenue, you can unlock a higher “credit limit.”

The FairFigure Lift Card comes with benefits such as:

• No required security deposit. This isn’t a secured credit card where you deposit the amount you plan on borrowing.
• Flexible payback terms. You decide whether you pay your business card back every four or eight weeks.
• Access to additional FairFigure solutions. Take advantage of Guard (business insurance), Pulse (monthly AI insights into your business’s financial and credit health), and Unify (fast business credit corrector tool).
• An additional tradeline that’s reported to Equifax, Experian Business, the SBFE, and Creditsafe. This comes alongside your $35/month FairFigure Premium subscription, which is also reported as a tradeline to boost your business credit score.

All you need to qualify for a FairFigure Lift Card is at least three months in business and $2,500 in monthly revenue.

2. BILL Spend & Expense (Formerly Divvy)

The BILL Spend & Expense card is a corporate charge card designed around your small business’s needs.

This corporate card is defined by flexible underwriting and rewards. Rather than a rigid credit limit and reward structure, BILL considers what’s going to work best for you where you are.

This deviates a bit from the traditional business credit card.

Credit lines range from $1,000 to $5 million. No matter your business’s size, you can unlock the funding you need, all without a personal guarantee.

Other highlights of the BILL Divvy Card include:

• No annual fee
• Virtual cards for every employee
• Tight spend and budget control
• All transactions sync with your BILL Spend & Expense software
• Advanced fraud protection
• One of the few cards that will accept applications from sole proprietors. Most cards that don’t require a personal credit check won’t accept sole proprietors.

Generally, they’ll require at least $20,000 in an active business bank account.

They also do a soft credit pull for your business card. This is done to verify your identity and assess your financial responsibility. You may need a good or very good personal credit score to qualify. However, you may still be able to get a card with a lower personal credit score.

They report payments to the SBFE to help you build business credit history and your business credit score.

3. Revenued

The Revenued card is not a business credit card with no personal credit check.

Rather, it’s a revenue-based commercial card that extends financing based on banking activity and sales. They purchase a portion of your future receivables to give you access to working capital when you need it.

This will give you the cash flow you need to keep your business operational.

The Revenued card is a great starter card for those with poor personal credit history and scores.

The eligibility requirements are lax. All you have to do to qualify is have:

• A business that operates in the United States
• At least a year in business
• A business bank account
• A bank account that has not gone negative for at least three days in the month.

There’s no interest and only a soft credit pull to determine eligibility and verify identity.

There are no rewards with this business card.

Revenued does report to business credit bureaus, but it doesn’t specify which.

4. Ramp Corporate Card

The Ramp Corporate Card is a monthly charge card that accepts US-incorporated LLCs with an EIN (no personal credit check or personal guarantee) and a business bank account.

If you’re seeking startup business credit cards with no credit, EIN only, the Ramp Corporate Card offers:

• Preset controls to prevent out-of-policy spend
• Unlimited virtual and physical cards for all of your employees
• Up to 5% savings, plus up to $350,000 in partner offers
• Automatic expense tracking

The Ramp Corporate Card doesn’t feature a lengthy list of qualifications you need to meet. However, like most corporate cards, there is a caveat: a minimum cash balance. Ramp wants you to have at least $25,000 in cash in any US business bank account.

These types of corporate cards make the most sense if you’re already using the financial software and banking solutions that the company offers.

If you’re already a Ramp customer, getting a Ramp corporate card could be a solid choice for your funding needs.

Ramp reports to Dun & Bradstreet to help you build business credit.

5. Rho Corporate Card

When you’re looking for an EIN-only business credit card, there’s no shortage of corporate cards. Another choice is the Rho Corporate Card.

Also tied to business finance solutions and expense management tools, the Rho Corporate Card is a great fit for growing startups or mid-size enterprises seeking a cash flow injection.

The Rho Corporate Card comes with:

• Up to 1.5% cash back
• The ability to create vendor-specific cards. Don’t just use one business credit card for all purchases, but separate them based on your spending activity.
• Business credit card management on the go. Freeze or cancel cards whenever, wherever.
• Virtual and physical cards
• No annual, subscription, or per-card fees

The Rho Corporate Card offers daily or monthly repayment options. A next-day repayment charge card is much easier to qualify for. They also offer the full 1.5% cash back.

Monthly repayment terms are more flexible. However, you will only get 1% cash back on eligible purchases. You’ll also need to maintain a minimum cash balance of $75,000.

They do report to business credit bureaus, but they don’t identify them.

6. Aspire Card

If you don’t mind a secured EIN only business credit card with daily repayment, the Aspire Card is a solid choice.

Most often, secured business credit cards aren’t the top choice (true of a secured personal credit card, too). Minimum deposits require you to spend a specific amount to unlock funding. It’s not ideal when you need to boost your cash flow.

That’s not something you have to worry about with the Aspire Card. Aside from having no minimum bank balance requirements or personal credit check, there is no minimum security deposit either. It’s one of the few EIN only credit cards that are worth it.

It’s usable from day one as a new LLC owner. You choose how much funding you want. If you want a higher credit limit, you can top up your account.

The Aspire secured business credit card provides you with:

• Unlimited 1.5% cash back
• Spend limits that you can adjust at any time
• Virtual business credit cards that you can use instantly, or physical business credit cards for your team

Aspire does not state that they report card activity to business credit bureaus. You may want to reach out to them if you want to build business credit history and improve your business credit score.

7. Zeni Card

Zeni is an AI-driven company that specializes in the creation of AI agents, AI bookkeeping, and related financial services. This extends to the Zeni Card.

Dubbed the first AI business credit card, the Zeni Card is an AI-driven corporate credit card that leverages artificial intelligence to categorize spend and sync it with Zeni’s bookkeeping platform.

If you already use Zeni and wish to join the waitlist, you could receive:

• Up to 1.75% cash back
• No fees
• Unlimited virtual and physical cards
• Strong spend controls to set limits for each department, plus real-time spend visibility
• Expert support for any problems you run into

If you’re looking to become a Zeni customer, you should know ahead of time that you have to use QuickBooks Online Plus. This is the only software that Zeni syncs with.

You can get started with Zeni for free.

They do not appear to report card activity to major credit bureaus. You’ll access funding, but won’t build your business credit score or history.

8. AToB Flex Fuel Card

Corporate credit cards or traditional business credit cards aren’t the sole EIN-only business card solutions. Fleet cards are another business credit card alternative. The AToB Flex Fuel Card stands out as a top option among fleet cards.

If you need funding for your fleet and a business credit card, you can look forward to:

• Spend management features
• Support for local fleets, OTR fleets, and mixed fleets
• $250,000 guarantee to eliminate spend fraud
• Refuel at up to 30,000 fuel stations and save an average of 5 cents and up to 20 cents per gallon. They also offer savings of 42 cents per gallon on average and up to $2.00 per gallon at over 4,200 truck stops.
• A business credit card that can be used for vehicle-related expenses as well.

The AToB Flex Fuel Card now reports to all three major business credit bureaus: Experian, Equifax, and Dun & Bradstreet. This helps you build your business credit score faster. They do a soft personal credit pull.

There’s a $35 one-time setup fee. After that, it’s $15 per month for 1 to 5 cards and $3 per month for each additional card. There’s an extra $3 a month if you want AToB premium.

9. WEX Fleet Card

If you’re looking for another fleet card instead of a corporate credit card for building business credit, consider the WEX Fleet Card.

The WEX Fleet Card boasts $1,500 in average annual fuel savings for its cardholders. With this business credit card, you can save up to 15 cents per gallon through the WEX EDGE savings network. You can also earn up to 3 cents per gallon everywhere else.

The WEX Fleet Card also boasts:

• Free overnight shipping on your first card order
• Automatic accounting with detailed, custom reports
• Advanced spending controls
• A card that’s accepted at 95% of fuel stations
• Purchase alerts
• Exclusive discounts on hotels, tires, wireless, and more

The WEX Fleet Card doesn’t state that they report to business credit bureaus. Keep in mind that reporting varies with this credit card issuer.

Where one card reports from this credit card company, it may not be the same for another. If you expect your credit score to rise because you already use another WEX card, you may be disappointed if this one doesn’t bolster your credit score.

You don’t need to rely on your personal credit to secure business funding. Instead, you can turn to an EIN only card. Consider options like the FairFigure Lift Card when you need funding for your business!