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 five 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
- Emburse Spend Card: Best prepaid card with fixed-rate cash back and $0 annual or monthly fees
- Ramp Card: Best corporate charge card for large businesses that want up to 20x higher crest limits
- OpenSky® Secured Visa® Credit Card: Best personal secured credit card with no bank account requirement
- BILL Divvy Card: Best for three payment frequencies
Alternatives to business credit cards with no personal credit check:
- Valley Visa® Secured Business Credit Card: Best for 0% annual percentage rate (APR) period and fixed-rate cash back
- First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card: Best for high credit limit option with rebates via Mastercard Easy Savings® program
Overview of the Best Business Credit Cards With No Personal Credit Check
Best For | Annual/Monthly Fee | Ongoing Rewards | ||
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Brex Card | Overall best business card with no personal credit check, flexible payment options, and generous rewards | $0 | Up to 8x points | |
Emburse Spend Card | Earning fixed-rate cash back with $0 annual or monthly fees | $0 | Unlimited 1% cash back | |
Ramp Card | Large businesses that want up to 20x higher credit limits | $0 | Unlimited 1.5% cash back | |
OpenSky® Secured Visa® Credit Card | Personal secured credit card with no bank account requirement | $35 | None | |
BILL Divvy Card | Three payment frequencies | $0 | Up to 7x points |
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 | |
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Why we like it: It is our top business card with no personal credit check because you have 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 7x or 8x points on your purchases depending on your chosen payment frequency.
Consider the Brex Card if
- Your industry is related to tech or life sciences so that you can take advantage of the premium rewards and perks
- You want a business card that can be used as either a charge card or prepaid 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: This prepaid card offers unlimited cash back on purchases and carries $0 annual or monthly fees, helping you save on your overall credit costs. 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 those who do not want to incur debt.
Consider the Emburse Spend Card if you
- Have sufficient cash on hand for your working capital; remember that you need to load your account so that you can use the card for your financial transactions
- Want to earn fixed-rate cash back without having to monitor your expense categories
Ramp Card: Best Corporate Charge Card for Large Businesses That Want Up to 20x Higher Credit Limits
- Unlimited 1.5% cash back on 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.
- Unlimited 1.5% cash back on 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: It is a corporate charge card designed for large businesses with at least $75,000 in a business bank account that will be connected to the card. It offers credit limits of up to 10 to 20 times higher than most other corporate or business credit cards, making it an ideal choice for those with significant expenses. What’s more, you can earn fixed-rate cash back on all purchases.
Consider Ramp Card if you:
- Have significant expenses and need a high credit limit
- Can maintain at least $75,000 in a business bank account that will be connected to Ramp
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
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
- OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.
Pros
- Reports to the three main credit bureaus
- Low annual fee
- Can qualify with limited or bad credit history
Cons
- Doesn’t offer 0% introductory APR
- Doesn’t offer rewards for their new and existing cardholders
- Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
- Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
- Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
- OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.
Pros
- Reports to the three main credit bureaus
- Low annual fee
- Can qualify with limited or bad credit history
Cons
- Doesn’t offer 0% introductory APR
- Doesn’t offer rewards for their new and existing cardholders
- Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
- Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
- Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.
Why we like it: This personal secured business credit card doesn’t require a personal credit check and bank account to qualify. What’s more, it comes with a low annual fee and reports your payment history to major credit bureaus, helping you build or improve your credit score over time with responsible card usage. However, it does not offer rewards.
Consider the OpenSky® Secured Visa® Credit Card if you don’t
- Mind not earning rewards on your purchases
- Need more than a $3,000 credit limit
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, semi-monthly, 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.
Consider the BILL Divvy Card if you
- Have varied expenses across multiple categories
- Want to choose your payment frequency
Recommended Alternatives to Business Credit Cards With No Personal Credit Check
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
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 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
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 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
What makes it a good alternative: This card is ideal if you have a low credit score and could not qualify for an unsecured business credit card. While the issuer may check your personal credit score, you may still qualify even with poor or limited credit. Unlike the Brex and Ramp cards, it allows you to carry a balance to the next billing cycle. What’s best about this card is that it comes with a 0% APR period on purchases for the first nine billing cycles.
Consider the Valley Visa® Secured Business Credit Card if you
- Need to make a large purchase and take advantage of the introductory 0% APR
- Don’t need more than a $25,000 credit limit
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
- 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 from $2,000 to $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.
- 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 from $2,000 to $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.
What makes it a good alternative: It is a 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. You can earn rebates on selected merchants through Mastercard Easy Savings® and build your credit with responsible use. Note that it may perform a personal credit check, but even with low credit scores, you may still qualify for the card.
Consider the First National Bank of Omaha Business Edition® Secured® Mastercard if you
- Need a credit limit as high as $100,000 and can make a security deposit equivalent to 110% of your requested limit
- Don’t mind not earning rewards on your purchases outside the Mastercard Easy Savings® program
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 |
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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.