Editor’s note: This is a recurring post with regularly updated card details.
Business credit cards with no personal credit check are designed for businesses with low credit scores or limited credit history, and the best ones are those that offer an easy approval process. If you want to optimize your usage, consider cards that let you earn ongoing rewards on your purchases. Your options include corporate charge cards, prepaid cards, and a personal secured credit card.
Here are the seven best business cards with no personal credit check:
- Ramp Card: Overall best business card with no personal credit check and high credit limits
- BILL Divvy Card: Best for three payment frequencies
- Rippling Spend Credit Card: Best for custom card policies, robust control, and cash back
- Stripe Corporate Card: Best for scalable credit limits and cash back
- Emburse Spend Card: Best prepaid card with fixed-rate cash back and $0 annual or monthly fees
- OpenSky® Secured Visa® Credit Card: Best personal secured credit card with no bank account requirement
- Brex Card: Best for flexible payment options and generous rewards
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the Best Business Credit Cards With No Personal Credit Check 2024
Best For | Annual/ Monthly Fee | Ongoing Rewards | ||
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 Ramp Card | (Overall) No personal credit check and high credit limits | $0 | Up to 1.5% cash back | |
 BILL Divvy Card | Three payment frequencies | $0 | Up to 7x points | |
 Rippling Spend Credit Card | Custom card policies, robust control, and cash back | $11/month | From 1.75% cash back | |
 Stripe Corporate Card | Scalable credit limits and cash back | $0 | 1.5% cash back | |
 Emburse Spend Card | Earning fixed-rate cash back with $0 annual or monthly fees | $0 | Unlimited 1% cash back | |
 OpenSky® Secured Visa® Credit Card | Personal secured credit card with no bank account requirement | $35/year | None | |
 Brex Card | Flexible payment options and generous rewards | $0 | Up to 8x points |
Ramp Card: Overall Best Business Card With No Personal Credit Check & High Credit Limits
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
This corporate charge card is our top business card with no personal credit check because it offers credit limits of up to 10 to 20 times higher than most other corporate or business credit cards. Because of this, it is a great option for businesses with significant expenses and credit needs. What’s more, you can earn fixed-rate cash back on all purchases. The simplicity of its rewards program is one of the reasons it tops our list of the best corporate cards. To qualify, your company must have at least $50,000 in a business bank account that will be connected to the card.
BILL Divvy Card: Best for Three Payment Frequencies
 BILL Divvy Card | |
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Why We Like It
The card’s unique feature is that it offers three payment frequencies: weekly, semimonthly, and monthly. The rewards you’ll earn will depend on your payment frequency. Also, the card carries a $0 annual or monthly fee, which makes it essentially free to use. It is best for businesses that have varied expenses across different categories and want to choose their payment frequency.
Rippling Spend Credit Card: Best for Custom Card Policies, Robust Control & Cash Back
Rippling Spend Credit Card | |
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Why We Like It
This corporate credit card rewards you on every purchase—you’ll earn at least 1.75% cash back, with multipliers for common purchase categories. Rippling provides you direct access to your employee data, making it easy to create a custom card policy to enforce spend controls exactly the way your business wants. Note that you can use the card for $0 for one month after approval, then you’ll be charged $11 per month thereafter.
Stripe Corporate Card: Best for Scalable Credit Limits & Cash Back
 Rippling Spend Credit Card | |
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Why We Like It
With Stripe, your credit limit can increase as your business grows, making it ideal for new and growing companies. You’ll also earn 1.5% cash back on all expense categories. On top of that, it doesn’t charge additional fees, helping you save on costs. However, you need to have an existing Stripe expense management account to qualify for the card.
Emburse Spend Card: Best Prepaid Card With Fixed-rate Cash Back & $0 Annual or Monthly Fees
Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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Why We Like It
Emburse Spend, which leads our roundup of the best business prepaid cards, offers unlimited 1% cash back on purchases and carries $0 annual or monthly fees. Since it is a prepaid card, you need to fund your account before you can use it. The good news is that it has a high load limit of up to $100,000—and if you need more, you may request for an increase (subject to approval). Given that it is not a credit card, it is a great option for businesses that have sufficient cash flow and do not want to incur debt.
OpenSky® Secured Visa® Credit Card: Best Personal Secured Credit Card With No Bank Account Requirement
OpenSky® Secured Visa® Credit Card
BEST FOR:
Business owners with a credit score below 580
- New Feature! Earn up to 10% cash back* on everyday purchases at over 40,000 participating merchants.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- No bank account required—OpenSky® won’t require you to have an existing or new traditional bank account with Capital Bank.
- Reports your payment and usage behavior to all three major credit bureaus (Equifax®, Experian®, and TransUnion®), helping you build or rebuild credit.
Pros
- No credit check to apply
- No bank account needed
- Report to all 3 major credit bureaus
- Low APR
Cons
- Requires a security deposit
- No 0% introductory APR
- Annual fee applies
- Flexible deposit funding: Use a debit card, wire transfer, check, or money order to fund your security deposit, starting from $200 up to $3,000.
- Pay security deposit in installments: Pay your OpenSky® Secured Visa® deposit in installments, but complete it within 60 days to avoid reapplying (terms apply).
- Free online access to FICO® score: You can monitor your credit health by accessing your FICO® score online for free.
- New Feature! Earn up to 10% cash back* on everyday purchases at over 40,000 participating merchants.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- No bank account required—OpenSky® won’t require you to have an existing or new traditional bank account with Capital Bank.
- Reports your payment and usage behavior to all three major credit bureaus (Equifax®, Experian®, and TransUnion®), helping you build or rebuild credit.
Pros
- No credit check to apply
- No bank account needed
- Report to all 3 major credit bureaus
- Low APR
Cons
- Requires a security deposit
- No 0% introductory APR
- Annual fee applies
- Flexible deposit funding: Use a debit card, wire transfer, check, or money order to fund your security deposit, starting from $200 up to $3,000.
- Pay security deposit in installments: Pay your OpenSky® Secured Visa® deposit in installments, but complete it within 60 days to avoid reapplying (terms apply).
- Free online access to FICO® score: You can monitor your credit health by accessing your FICO® score online for free.
Why We Like It
This personal secured credit card doesn’t require a personal credit check and bank account to qualify. You only need to make a security deposit of $200 to $3,000, which will determine your credit limit. It comes with a low annual fee and reports your payment history to major credit bureaus, helping you build or improve your credit score when used responsibly. While it does not offer rewards, it is still one of our leading secured business cards because of its easy application process.
Brex Card: Best for Flexible Payment Options & Generous Rewards
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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Why We Like It
This card, one of our top-recommended LLC credit cards, gives you the option to use it as either a charge card or a prepaid card. You can choose to pay your balance in full each month or have your transactions directly deducted from your Brex Business Account balance. Plus, you can earn up to 7× or 8× points on your purchases depending on your chosen payment frequency. It is generally recommended for tech or life sciences businesses because of its premium rewards and perks related to these industries.
When selecting the best business credit cards with no personal credit check, we considered cards that offer a quick and easy approval process with low fees. We also considered the cash management system that comes with the card and the ability to set controls based on the business owners’ preferences. Business cards that offer opportunities for earning rewards are a plus.
Pros & Cons of Using Business Credit Cards With No Personal Credit Check
| PROS | CONS |
|---|---|
| Quick and easy application process | Limited options available—most are nontraditional credit cards |
| Available for those with poor or limited credit | Depending on the type of business card you choose, you need to either pay your balance in full each month, make a security deposit, or pre-fund your card |
| Personal guarantee is often not required | Some can’t help you build business credit |
Frequently Asked Questions (FAQs)
Yes, it’s possible to get a business credit card without a personal credit check. While most issuers require a credit check as part of the qualification process, there are a few cards available that you can qualify for without checking your personal credit score. Your options include secured business credit cards, corporate charge cards, and prepaid or debit cards. For credit cards that require a personal credit check, you may need to apply with a co-signer if you know that your personal credit score could not qualify.
A personal credit check is the process of assessing an individual’s creditworthiness based on their credit history and credit score. Lenders and credit card issuers typically use the information obtained from a personal credit check to determine the individual’s risk level as part of the approval process.
On the other hand, a personal guarantee is when an individual assumes personal liability for the debt incurred by a business entity. Most lenders and card issuers often require business owners to provide a personal guarantee—this means that they will be held personally liable for their company’s debts, and the lender can go after their personal assets in case their business defaults.
The qualification requirements may vary depending on the card issuer. In general, you need to prepare your personal and business information to apply for a business card with no personal credit check. Also, you may need to open or connect your bank account and have a certain amount of money in that account to qualify. Some corporate charge cards may require a minimum annual revenue as part of the qualification.
Bottom Line
The best business credit cards with no personal credit check allow you to qualify easily, save on overall credit costs, and access a streamlined platform to control company spending. Those that let you earn rewards on your purchases are a plus. Take note that your options are limited, and most of these business cards can not help build your business credit.
If you have plenty of employees and a large revenue, consider a corporate charge card. If you have sufficient cash on hand, a prepaid or debit card may work best for you. If you want to build or improve your credit, go with a secured business credit card.
