Revenue Based Business Credit Cards | FairFigure

If your business credit is holding you back from securing a business credit card, revenue-based cards will help you leverage your financial performance to get the business funding you need.

Here are the top five revenue based business credit cards that you can qualify for with fair credit.

Revenue Based Business Credit Cards

Card Name	Minimum Revenue Requirements	Features
FairFigure Capital Card	$2,500/month	Flexible payback terms, two credit tradelines, seamless application process
Revenued	$20,000/month	No annual fees, factor rates instead of APR
Brex Corporate Card	Not listed for startups. At least $400,000/month for mid-market to enterprise companies.	Spend controls, security features, up to 7x points
Ramp Corporate Card	You need at least $25,000 in your business checking account.	Partner rewards, seamless expense management, easy to qualify for
Rho Corporate Card	Not listed	Actual cash back rewards

Revenue Based Business Credit Cards

1. FairFigure Capital Card
2. Revenued
3. Brex Corporate Card
4. Ramp Corporate Card
5. Rho Corporate Card

Every business has to start somewhere. But if your revenue and your credit are on the lower end of the spectrum, trying to qualify for a card can seem like an insurmountable feat. That’s why the FairFigure Capital Card is one of the top options for small business owners.

The FairFigure Capital Card is a true EIN-only business credit card. There’s no personal guarantee, personal credit check, or extensive paperwork needed to apply.

Your funding is based on your business revenue. The only requirements to be able to secure a FairFigure Capital Card are that your business is at least three months old and generates $2,500 monthly.

Say, for example, that you have a business that generates $10,000 a month. You could get preapproved for $8,000 a month. Your credit limit will grow with you.

There’s a handy revenue based financing calculator on the card page you can use to see how much funding you are eligible for.

The FairFigure Capital Card is also a stellar business credit builder card. It comes alongside FairFigure’s business credit monitoring services.

Both are reported as tradelines to Equifax, the SBFE, Creditsafe, and FairFigure’s own Foundation Report to help you build credit history and your business credit scores. If your limited credit was a problem, you’ll be able to access more financing options moving forward.

They offer flexible four to eight-week payback terms as well, and they don’t require a security deposit to get started with them.

If you value flexibility, credit-building support (without needing a high credit score to get in), and fewer personal requirements, the FairFigure Capital Card is the best business credit card to get you started.

Sign up with FairFigure today to start building your business credit and access the funding needed to grow your business.

2. Revenued

Revenued is a relatively new company that offers revenue-based financing. While not a business credit card, you can fund your business with the Revenued Business Card + Flex Line.

Revenued is not a traditional business credit card. It’s a prepaid card that’s paired with a flexible spending line.

It’s important to note that revenue-based business cards aren’t as common as business credit cards. If you were to look for secured business credit cards that report to D&B or the Capital One business credit card EIN only, you could expand your choices.

But with revenue-based cards, you have fewer options.

Revenued is a viable option, but it isn’t the best one.

Why?

The benefits of the Revenued card are that it doesn’t come with an annual fee, is easy to get funding with, and doesn’t result in a hard inquiry because they don’t check your credit score.

The downsides of the Revenued card are a bit more notable. As any Revenued business card review will tell you, these include:

• A low balance fee of $35 per day.
• A Revenued Flex Line charge of anywhere from 10% to 50% of the amount borrowed. Factor rates on your revenue based loan (rather than APR). This could be 1.1 or more for your business loan.
• This card doesn’t report to any business credit bureaus. You won’t build business credit with the Revenued Business Card + Flex Line.

It can be quite expensive to use your Revenued card. For every other revenue-based business credit card on this list, you won’t encounter this same issue.

This might be the right card for you if you have bad credit or if you believe the Flex Line is the best choice for your business. However, it’s worth exploring your other options first when you want to boost cash flow, especially if you want a small business credit card.

3. Brex Corporate Card

Corporate cards are a reliable choice when you want revenue-based cards. However, which one you qualify for will vary depending on where your business is. The first one we want to highlight is the Brex Corporate Card.

The Brex card is a corporate card that integrates seamlessly with Brex’s financial solutions. If you already use Brex for accounting or business banking, paying vendors, or otherwise managing your business finances, it might be a solid addition to your current funding sources.

The Brex corporate card is your fairly standard corporate card. You receive extensive controls over spending, ample security features, and unlimited employee cards that can be tailored to meet specific spending needs.

Being a charge card, they don’t have any annual fees or interest fees. This can be a highlight if you’re interested in dealing with the high fees associated with a business credit card.

Brex’s rewards are the most compelling aspect of this card. They offer partner perks, travel miles, and the following rewards breakdown:

• 7x points on rideshare purchases
• 4x points on Brex travel purchases
• 3x points on restaurant purchases
• 2x points on software purchases
• 1x on all other eligible business expenses

The Brex corporate credit card is uniquely suited for startups and scaled companies.

If you’ve received an equity investment, are a startup with at least $50,000, or a mid-market or enterprise company with $4.8 million in annual revenue, you’re a good fit for the Brex card. The annual business revenue requirement may be a bit challenging for some.

If you want to build your business credit history and score, you can with this card. The Brex card reports to Dun & Bradstreet, Experian, and Equifax.

4. Ramp Corporate Card

The Brex corporate card isn’t out of reach for all businesses. However, its stringent qualification requirements can be difficult to reach for some. The Ramp Corporate Card might be a better alternative if you’re looking for revenue-based business credit cards.

The Ramp Corporate Card integrates with Ramp’s financial solutions. It offers virtual card spend controls, seamless expense management features, and rewards that come in the form of partner offers. You could save over $350,000 altogether with these partner offers.

The highlight of the Ramp Corporate Card is the eligibility requirements. So long as you have $25,000 in your linked business checking account and strong financial activity, you’ll be considered.

Because it isn’t a traditional business credit card, you won’t need a high credit score to qualify either.

It’s one of the more accessible startup business credit cards with no credit EIN only. It’s perfect for anyone from the small business owner to mid-market and enterprise businesses.

The Ramp Corporate Card is another card on this list that will help you build business credit history. They report to Dun & Bradstreet, Equifax, and Experian.

5. Rho Corporate Card

The Rho Corporate Card is the final option of the top three corporate cards out there.

The Rho card, like the cards before it, is part of a broader financial solutions ecosystem that allows you to streamline accounting, control spend, and keep your business functioning like a well-oiled machine.

The rewards structure is a little less exciting than the other options here.

You can get up to 2% cash back on eligible purchases with this card. However, you can only tap into the higher cash back percentages with the premium card options or daily repayments.

Otherwise, you’ll be limited to a lower cash back offer. These credit card issuers use Mastercard.

On the plus side, the Rho Corporate Card doesn’t feature any business revenue requirements. Those with stronger financial activity will obviously be the most qualified. However, they don’t have a specific suggestion, keeping it open for all businesses.

They do not currently list any specific business credit bureaus on their website. This can be a disadvantage if you want a business credit card with an EIN only that can help you build credit.