7 Best Business Credit Cards No Credit

Most business credit cards require good personal credit. But there are some business credit cards you can secure with no credit history or personal credit score.

We review the seven best business credit cards no credit that will help you fund your small business with fewer qualification challenges.

No Credit Business Credit Cards Compared

Business Credit Cards	Fees	Benefits
FairFigure Capital Card	None	Flexible payback terms, two tradelines, cash back on eligible purchases.
Revenued	1.1 to 1.5 factor rate and $35 fee for lack of funds.	Factor rates instead of interest rates.
Brex Corporate Card	None	Extensive rewards program and partner rewards.
Ramp Corporate Card	None	Savings in the form of partner discounts.
Rho Corporate Card	None	Up to 2% cash back.
AtoB Fuel Card	$35 account opening fee, $15 per month for up to 5 cards, $3 per month for each additional card, $3 for premium membership.	Major fuel discounts, spend controls, fleet maintenance discounts, and beyond.
Coast Fuel Card	$4 per card per month.	Gas rebates and 1% cash back on eligible purchases.

1. The FairFigure Card

The FairFigure Capital Card is a business credit card EIN only geared toward the small business owner looking to build their credit and receive revenue-based funding.

FairFigure doesn’t take your personal credit into consideration when reviewing your application. Rather, they’re looking for two things: $2,500 a month in revenue and at least three months in business.

The FairFigure Capital Card doesn’t just skip the personal credit check. It doesn’t require a personal guarantee or paperwork either. This means that you can get started quickly and easily. The FairFigure Card comes with:

• Flexible four to eight-week payback terms
• A credit limit that grows with you and supports your cash flow needs
• Cash back on any eligible purchase from partner vendors
• No security deposit
• Reporting to Equifax, Creditsafe, the SBFE, and the FairFigure Foundation Report to help you build your business credit score

This card is offered alongside the FairFigure business credit monitoring subscription. This means you receive two tradelines and credit monitoring perks with this card that will enable you to efficiently boost your credit score and stay on top of your credit.

If you want to fund your small business and work toward accessing business credit cards with more stringent credit requirements, the FairFigure Capital Card is the best business credit card for you.

2. Revenued

The Revenued Business Card + Flex Line is a unique offering that could be a good fit for those who meet their eligibility requirements and are able to secure the best terms.

The most important thing to know upfront is that the Revenued Business is not a business credit card. It’s also not a charge card.

The Revenued Business Card is a prepaid card that is funded by a business line of credit. That being said, it still functions similarly to a business credit card.

A business credit card and the Revenued Business Card both offer revolving credit.

Aptly named, the Revenued Business Card is a revenue-based source of funding. They don’t consider your personal credit score when applying. There is no personal credit check that could get in your way.

The Revenued Business Card doesn’t feature interest rates. Instead, it uses factor rates, which may range anywhere from 1.1 to 1.5. If you secure a rate on the lower end of the spectrum, this could be beneficial.

If, however, you end up with a factor rate on the higher end, you’ll be paying more than you should to secure funding.

Their eligibility requirements are also quite strict. You will need to:

• Have a bank account that has not gone negative for more than three days in a month
• Have a minimum of $20,000 in monthly sales
• Have a minimum average daily balance of $1,000

It’s not the easiest card to qualify for. While personal credit or a lack of credit history might not be a problem, the revenue requirements can be. If you don’t exceed the requirements, your credit limit might be quite low.

It’s also quite expensive. Beyond the factor rates, you could end up paying the $35 fee if you don’t have enough in your account when they go to withdraw funds.

The Revenued Business Card is one option when you have no credit. However, it’s crucial you know what you’re getting into before you apply. It might support your cash flow needs or become a serious source of debt that hinders your cash flow.

Keep this in mind.

3. Brex Corporate Card

Corporate cards are an excellent resource when you need a business credit card with no personal credit check. One option that will help you fund your business and save a ton on business-related costs is the Brex Corporate Card.

As with many corporate charge card solutions, the Brex Corporate Card is perfect for those who already use Brex services. Brex is a fintech company that offers business banking services, spend management solutions, accounting solutions, and beyond.

If you already use Brex or plan on using Brex, getting the Brex Corporate Card with them could be a smart move.

Where the Brex Corporate Card shines most is with its rewards program. As you can find on their website, the Brex Card offers:

• 7x points on rideshare spending
• 4x points on Brex travel
• 3x points on restaurants
• 2x points on software
• 1x points on all other purchases
• Brex partner savings

The Brex Corporate Card comes with strong spend controls, unlimited employee cards, useful spend tracking features, and other features that will prove invaluable to your business.

Brex does require you to have at least $50,000 in a business checking account or an equity investment. Still, it’s one of the top startup business credit cards with no credit EIN only.

Are you looking to build business credit along the way? If so, you’ll be excited to learn you can do so with this card.

The Brex Card reports to all three major business credit bureaus: Dun & Bradstreet, Experian Business, and Equifax Business. This will be a major asset to your business's credit score.

4. Ramp Corporate Card

The Ramp Corporate Card is a corporate card that is fairly easy to qualify for. More than that, it’s an EIN-only card that will ensure poor personal credit and credit history don’t get in the way.

The Ramp Visa Corporate Card is designed to work in tandem with its other financial solutions.

This means that the card works for you by allowing you to set spend controls, track transactions automatically, and improve productivity by creating personalized workflows and customized virtual cards for all of your employees.

The Ramp Corporate Card doesn’t come with a personal guarantee or an annual fee, which helps you save money and further protects you personally. You won’t get this with the average business credit card; only startup business credit cards.

Its rewards program isn’t like your typical rewards program. Instead of cash back, Ramp offers up to 5% savings through partner offers.

The only notable eligibility requirement is that you need $25,000 in a business checking account linked to Ramp.

They help you build your business credit score by reporting to Dun & Bradstreet, Experian, and Equifax.

5. Rho Corporate Card

The Rho Corporate Card is the final corporate credit card on this list that you can get without having to worry about a personal credit check.

Rho’s business credit card is much like the other startup business credit cards on this list. You can set spend controls, track business expenses in real-time, and take advantage of unlimited virtual and physical employee cards.

Their rewards program for this charge card is a bit more traditional. If you want 30-day payback terms, you can get 1% cash back on purchases.

If you pay your card back daily, you can raise that cash back percentage to 1.25%. If you choose the Rho Platinum Card, you can get 2% cash back. 2% cash back is the highest cash back option through Rho.

You’ll want to decide on your desired cash back terms before account opening. They don’t state what their eligibility requirements are. However, they’re likely looking at revenue, time in business, and other factors when determining your credit limit.

The Rho Corporate Card doesn’t state which business credit bureau it reports card activity to. Reach out to their support team if you’re considering Rho.

6. AtoB Fuel Card

Corporate cards are one alternative to business credit cards that often require no personal credit check. However, fleet cards are worth considering if you operate a fleet of vehicles for your business. Our first recommendation is the AtoB Fuel Card.

AtoB offers two types of fuel cards: prepaid and business credit cards. Take care to apply for the business credit card option. You won’t build business credit with the prepaid option.

The AtoB Fuel Card does come with fees. You will have to pay:

• A one-time, $35 account opening fee
• $15 a month for up to 5 fuel cards
• An additional $3 per card per month
• An optional $3 per month for Premium card membership

If you’re looking for fleet savings, these costs can be worth it.

You can receive average discounts of up to $0.45, with up to $2 off per gallon on truck diesel and $0.05 per gallon unleaded gas.

They offer discounts at partner locations for purchases beyond just fuel. A premium membership can help you save even more and allow you to unlock further tech features that help you control spend, access support faster, and beyond.

This business credit card can help you build your business credit score by reporting to Experian.

7. Coast Fuel Card

If you’re looking to save money while also supporting your fleet, you might want to consider the Coast Fuel Card.

The Coast Fuel Card is not a guaranteed “no credit” business credit card solution. They do state that they may perform a soft credit pull on your personal credit and check your personal credit score during the application.

That being said, it’s not an outright guarantee that they require a personal credit check, as they will with other business credit cards. If you’re worried about a personal credit check, you can reach out and see what might trigger a personal credit check.

They can tell you more about why they conduct a personal credit check on some but not others.

The Coast Fuel Card only costs $4 per month per card. They offer rebates of anywhere from 4 cents to 10 cents per gallon across most major gas stations. They also offer 1% cash back on all other eligible net purchases.

This fleet card can help you build your business credit score as well. They report all card transactions to the SBFE.

The Takeaway

You can fund your business with no credit. You don’t have to rely on a business secured credit card like secured business credit cards that report to D&B.

There are plenty of alternatives like corporate cards, fleet cards, and credit builder cards that will help you tap into revolving credit without your personal credit getting in the way.

Consider these seven business credit cards if you want to support your business with no personal credit check due to a bad credit score or limited credit history.