6 Best Business Credit Cards With No Personal Credit Check 2023
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
Business credit cards with no personal credit check are designed for those 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 secured business credit cards.
Here are the six best business cards with no personal credit check:
- Brex Card: Overall best business card with no personal credit check, flexible payment options, and generous rewards
- Ramp Card: Best corporate charge card for large businesses that want a simple rewards program
- Emburse Spend Card: Best prepaid card with fixed-rate cash back and no annual or monthly fees
- Valley Visa® Secured Business Credit Card: Best for 0% annual percentage rate (APR) period and fixed-rate cash back
- Bento for Business Visa® Debit Card: Best debit card for businesses of all sizes with 60-day free trial
- First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card: Best for high credit limit option with rebates via Mastercard Easy Savings® program
Best Business Credit Cards With No Personal Credit Check At a Glance
Best For | Annual/Monthly Fee | Ongoing Rewards | ||
|---|---|---|---|---|
 Brex Card | Overall best business card with no personal credit check, flexible payment options, and generous rewards | $0 | ||
 Ramp Card | Large businesses that want a simple rewards program | $0 | Unlimited 1.5% cash back | |
 Emburse Spend Card | Earning fixed-rate cash back with no annual or monthly fees | $0 | Unlimited 1% cash back | |
 Valley Visa® Secured Business Credit Card | 0% APR period and fixed-rate cash back | $0 | Unlimited 1% cash back | |
 Bento for Business Visa® Debit Card | Businesses of all sizes with 60-day free trial | None | ||
 First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card | High credit limit option with rebates via Mastercard Easy Savings® program | $39 per year |
Brex Card: Overall Best Business Card With No Personal Credit Check, Flexible Payment Options & Generous Rewards
 Brex CardBEST FOR: Those Who Want Daily or Monthly Payments | |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
Why we like it: Brex Card is our top business card with no personal credit check because of its payment flexibility—it can be used as a charge card or a prepaid card, and it’s the only card listed in our guide that offers this functionality. You have the option to pay your balance in full each billing cycle or have your expenses deducted from your Brex Business Account balance. Plus, you can earn up to 7x or 8x points on your purchases depending on your chosen payment frequency.
Rewards:
Paid Daily | Paid Monthly |
|---|---|
|
|
Other Benefits:
- FDIC protection up to $6 million
- Unlimited virtual and physical cards
- No personal guarantee required
- Exclusive discounts on selected software, including QuickBooks Online, QuickBooks Self-Employed, Salesforce Essentials, and Microsoft 365
- Streamlined software with robust controls
The Brex Card is one of our recommendations for the best purchasing cards because of its daily or monthly payment options and lucrative rewards. It’s important to note that it requires a Brex Business Account where you will keep your funds. To learn more, read our review of Brex Business Account.
Ramp Card: Best Corporate Charge Card for Large Businesses That Want a Simple Rewards Program
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Unlimited 1.5% cash back on all purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available 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.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Unlimited 1.5% cash back on all purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available 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: Ramp is a corporate charge card designed for large businesses that prefer a simple rewards program. To qualify, your company needs to have at least $75,000 in a business bank account that will be connected to the Ramp card. It offers unlimited physical and virtual cards at no cost—it is essentially free to use because it doesn’t charge an annual fee.
Reward:
- Unlimited, fixed-rate 1.5% cash back on all purchases, regardless of spending categories
Other benefits:
- Seamless platform allows you to set controls, block merchants, and monitor spending
- Live support from experts
- Credit limits are usually 10 to 20 times higher than most other corporate or business credit cards
- Streamlined payment reconciliation allows you to automate your accounting process efficiently
Ramp is one of our top-ranking corporate cards because of its rewards simplicity. However, since it is a charge card, you must pay your full balance every billing cycle. Plus, it is unavailable to sole proprietors and unincorporated businesses.
Emburse Spend Card: Best Prepaid Card With Fixed-Rate Cash Back & No Annual or Monthly Fees
 Emburse Spend CardBEST FOR: Earning Unlimited Cash Back Rewards | |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
Why we like it: Emburse Spend Card is a prepaid card that offers unlimited cash back on your purchases. Besides that, it does not charge annual or monthly fees, helping minimize your overall credit cost. 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. This card is a great option for those who do not want to incur debt.
Reward:
- Unlimited 1% cash back on all purchases
Other Benefits:
- Unlimited virtual and physical cards at no cost
- Card management software that lets you set limits and view real-time transactions
- Full-featured mobile app for all users
- Customer live support is available 24/7
Emburse Spend Card made it to our list of the top business cards with no personal guarantee because of its unlimited rewards and seamless platform. Keep in mind that it does not report your transactions to business credit bureaus, which means using the card won’t help build your business credit.
Valley Visa® Secured Business Credit Card: Best for 0% APR Period & Fixed-rate Cash Back
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
Intro APR
0% APR for nine billing cycles
Regular APR
15.95% to 27.50% variable
Annual Fee
None
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Intro APR
0% APR for nine billing cycles
Regular APR
15.95% to 27.50% variable
Annual Fee
None
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Why we like it: Valley Visa® Secured Business Credit Card is ideal if you have a low credit score and could not qualify for an unsecured business credit card. Unlike the Brex and Ramp cards, it allows you to carry a balance to the next billing cycle. You can take advantage of the 0% introductory APR on purchases for the first nine months of card membership.
Reward:
- Unlimited 1% cash back on all purchases, regardless of expense category
Other benefits:
- No annual fee
- Up to 25 cards issued under your account at no additional cost
- Fraud protection alerts sent via text and email for suspected transactions
- Up to $25,000 credit limit available
It is one of the few secured business credit cards that offer rewards, making it one of our top-recommended secured business credit card. Note that you need to make a security deposit equivalent to 110% of your requested credit limit.
Bento for Business Visa® Debit Card: Best Debit Card for Businesses of All Sizes With 60-day Free Trial
| |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
Why we like it: The Bento for Business Visa® Debit Card is a great option if you have sufficient cash on hand to use as working capital and don’t mind not earning rewards on your purchases. It is ideal for businesses of all sizes because it offers different plans based on how many cards you need. Moreover, you can use the card for 60 days without paying monthly fees. It lets you load your card via Bento Transfer up to a maximum limit of $10,000 per day—but you can transfer funds through ACH or wire if you need a bigger amount.
Other benefits:
- High maximum spend limit of $25,000 per day, per card
- Bento Pay™ lets you pay vendor invoices electronically using the vendor’s email address
- Physical and virtual cards are available—for physical cards, you can choose between spend-limit and fixed-value cards
- Intuitive business spend management platform lets you reconcile your transactions easily and set robust spending controls
Bento for Business Visa® Debit Card is our leading business prepaid card due to its high spending limit and varied fee structures. However, it does not offer ongoing rewards. Also, you need to fund your account first before you can use your card.
First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card: Best for High Credit Limit Option With Rebates Via Mastercard Easy Savings® Program
First National Bank of Omaha Business Edition® Secured Mastercard® Card
BEST FOR:
Secured credit lines of as much as $100,000
Intro APR
None
Regular APR
25.49% Variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits between $2,000 and $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Intro APR
None
Regular APR
25.49% Variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits between $2,000 and $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Why we like it: The First National Bank of Omaha Business Edition® Secured® Visa Card is another secured business credit card for those with poor or limited credit. The best thing about it is that it offers a high credit limit option of up to $100,000, making it an ideal choice for those with substantial business expenses. For a low annual fee of $39, you can use a credit card for your day-to-day business expenses, earn rebates on selected merchants through Mastercard Easy Savings®, and build your credit with responsible use.
Reward:
- No ongoing rewards on purchases; however, the Mastercard Easy Savings® program lets you earn rebates on partner merchants
Other benefits:
- You can earn interest on your security deposit
- Credit limit ranges from $2,000 to $100,000
- Zero liability ensures that you won’t be held responsible for any fraudulent transactions
- Online banking access allows you to monitor transactions, manage your account, pay your bills, and set up alerts
Note that you need to make a security deposit equivalent to 110% of your desired credit limit. Due to its high credit limit option, it is part of our roundup of the best high-limit business credit cards. Also, it is our #1 business credit card recommendation for those with bad credit.
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, as well as 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 earn rewards on your expenses. Take note that your options are limited, and most of these business cards could 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. For other options, check out our roundup for the best small business credit cards.
