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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 credit 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
- Rho Corporate Card: Best for businesses looking for credit limit increases
- Overview of the best business credit cards with no personal credit check
- Ramp Card: Overall best business card with no personal credit check & high credit limits
- BILL Divvy Card: Best for three payment frequencies
- Rippling Spend Credit Card: Best for custom card policies, robust control & cash back
- Stripe Corporate Card: Best for scalable credit limits & cash back
- Emburse Spend Card: Best prepaid card with fixed-rate cash back & $0 annual or monthly fees
- OpenSky® Secured Visa® Credit Card: Best personal secured credit card with no bank account requirement
- Rho Corporate Card: Best for businesses looking for credit limit increases
- How we selected the best business cards with no personal credit check
- Pros & cons of using business credit cards with no personal credit check
- Frequently asked questions (FAQs)
- Bottom line
Overview of the best business credit cards with no personal credit check
| Best For | Annual/Monthly Fee | Ongoing Rewards | ||
|---|---|---|---|---|
 Ramp Card | (Overall) No personal credit check and high credit limits | $0 | Up to 1.5% cash back | Apply now |
 BILL Divvy Card | Three payment frequencies | $0 | Up to 7x points | Apply now |
 Rippling Spend Credit Card | Custom card policies, robust control, and cash back | $11/month | From 1.5% cash back | Apply now |
 Stripe Corporate Card | Scalable credit limits and cash back | $0 | 1.5% cash back | Apply now |
 Emburse Spend Card | Earning fixed-rate cash back with $0 annual or monthly fees | $0 | Unlimited 1% cash back | Apply now |
 OpenSky® Secured Visa® Credit Card | Personal secured credit card with no bank account requirement | $35/year | None | Apply now |
 Rho Corporate Card | Businesses looking for credit limit increases | $0 | Up to 1.5% cash back | Apply now |
Ramp Card: Overall best business card with no personal credit check & high credit limits
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
Why we like it
This corporate charge card is our top choice, offering credit limits up to 10 to 20 times higher than most other business credit cards without requiring a personal credit check. It’s an excellent option for businesses with high expenses and substantial credit needs.
Plus, you’ll earn fixed-rate cash back on all purchases, making it easy to earn rewards. This straightforward rewards program is one of the key reasons it ranks on our list as one of the best corporate cards. To qualify, your business must have at least $50,000 in a connected business bank account.
- Up to 1.5% cash back on all purchases, regardless of spending categories
- Seamless platform allows you to set controls, block merchants, and monitor spending
- Live support from experts
- Streamlined payment reconciliation allows you to automate your accounting process efficiently
- No personal guarantee
BILL Divvy Card: Best for three payment frequencies
 BILL Divvy Card | |
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| Qualifications | Terms |
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| Costs | |
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| reviewlink | Apply Now |
Why we like it
This card stands out by offering three payment options: weekly, semimonthly, and monthly. The rewards you earn will vary depending on the payment frequency you choose. Plus, there are $0 annual or monthly fees, making it essentially free to use. It’s ideal for businesses with varied expenses across different categories that want flexibility in their payment schedule.
Paid weekly:
- 7x points on restaurants
- 5x points on hotels
- 2x points on recurring software subscriptions
- 1.5x points on everything else
Paid semimonthly:
- 4x points on restaurants
- 3x points on hotels
- 1.75x points on recurring software subscriptions
- 1x points on everything else
Paid monthly:
- 2x points on restaurants
- 2x points on hotels
- 1.5x points on recurring software subscriptions
- 1x points on everything else
- Rewards can be redeemed as cash back, travel, statement credit, and gift cards
- Access streamlined expense management software for free to help you track your expenses and control your spending
- Accounting integrations including QuickBooks, NetSuite, and Sage Intacct
- BILL reports customer credit performance to the Small Business Financial Exchange (SBFE®), helping you build your business credit score
Rippling Spend Credit Card: Best for custom card policies, robust control & cash back
 Rippling Spend Credit Card | |
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| Qualifications | Terms |
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| reviewlink | Apply Now |
Why we like it
This corporate credit card offers cash back on every purchase, starting with 1.5% and earning even more in select categories. With Rippling, you get direct access to your employee data, allowing you to create a customized card policy to enforce spending controls the way your business prefers. Keep in mind, you can use the card for $0 for the first month after approval, and then with a $11 monthly fee thereafter.
- 1.5% cash back on business purchases, with multipliers on common expense categories
- Robust automation of processes, including updating card policies, issuing employee cards, and revoking cards
- Personalized card branding with your company logos
- Customized card controls
Stripe Corporate Card: Best for scalable credit limits & cash back
 Rippling Spend Credit Card | |
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| Qualifications | Terms |
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| Costs | |
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| reviewlink | Apply Now |
Why we like it
Stripe’s credit card is perfect for new and growing businesses, as your credit limit can increase along with your company’s growth. You’ll earn 1.5% cash back on all expense categories and pay $0 extra fees, helping you save money. To qualify for the card, you must already have an active Stripe expense management account.
- 1.5% cash back on all business purchases across all categories
- Real-time expense reporting
- Flexible spend controls to help control expenses and prevent fraud — set custom authorization rules like allowed merchant categories and per-cardholder spending limits
- Seamless integration with finance software
- No personal guarantee required
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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| Spending Limit | Load Limit |
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| Read our review of the Emburse Spend Card | Apply Now |
Why we like it
Emburse Spend, which is one of our recommended business prepaid cards, offers unlimited 1% cash back on purchases and has $0 annual or monthly fees. As a prepaid card, you’ll need to fund your account before using it. The card has a high load limit of up to $100,000, and you can request a higher limit if needed (subject to approval). Since it’s not a credit card, it’s a great choice for businesses with strong cash flow that want to avoid taking on debt.
- Unlimited 1% cash back on all purchases, regardless of spending categories
- 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
- No personal guarantee
OpenSky® Secured Visa® Credit Card: Best personal secured credit card with no bank account requirement
| Intro APR | N/A |
|---|---|
| Regular APR | 25.64% variable |
| Annual Fee | $35 |
| Credit Needed | Poor to Average |
Why we like it
This personal secured credit card doesn’t require a credit check or a bank account to qualify. All you need to do is make a security deposit of $200 to $3,000, which will set your credit limit. It has a low annual fee and reports your payments to major credit bureaus, helping you build or improve your credit score when used responsibly. While it doesn’t offer rewards, it’s still one of our leading secured business cards due to its simple application process.
No ongoing rewards on purchases.
- Low annual fee
- Minimum of $200 security deposit
- Transactions will be reported to the three major credit bureaus — Equifax®, Experian®, and TransUnion® — helping you build or improve your credit with responsible use
Rho Corporate Card: Best for businesses looking for credit limit increases
| Intro APR | 0% |
|---|---|
| Regular APR | 0% (balance must be paid in full each month) |
| Annual Fee | $0 |
| Credit Needed | Personal credit report not required |
Why we like it
The Rho Corporate Card is ideal for businesses of all sizes, providing flexible spending controls and the ability to increase credit limits as your business grows. It comes with $0 fees, no personal credit check, and no personal guarantee required. The platform also integrates payables, expenses, banking, treasury, and accounting into one system, making it easier to track and manage your finances all in one place.
- Up to 1.5% cash back on eligible purchases
- Up to $1 million worth of savings on software tools
- Employee access to Rho mobile to upload receipts easily
- Unlimited physical and virtual cards
- Customize spend limits on each card issued
How we selected the best business cards with no personal credit check
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. Also taken into consideration are business credit cards that offer opportunities for earning rewards or offer other ongoing benefits.
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
