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Business credit cards that don’t report bad credit are a great option if you don’t want your business transactions to adversely affect your personal credit scores. The best business credit cards that don’t report to personal credit bureaus come with low fees, reasonable APRs Annual Percentage Rates , and other benefits, like a welcome offer, ongoing rewards, or 0% introductory APRs.
Here are the top eight business credit cards that don’t report bad credit:
- Ramp Card: Overall best business credit cards that don’t report to personal credit for large businesses with no personal credit check
- Coast Fuel Card: Best for gas expenses and businesses with fleets
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for software expenses and extended payment plan
- U.S. Bank Business Platinum Card: Best for interest-free financing option for 18 billing cycles
- Signify Business Cash℠ Card by Wells Fargo: Best for premium fixed-rate cash back with $0 annual fee
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for traveling frequently with American Airlines
- Bank of America Business Advantage Customized Cash Rewards: Best for earning premium rewards in your chosen expense category
- Costco Anywhere Visa Business Card by Citi: Best for frequent Costco shoppers
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the Best Business Credit Cards That Don’t Report to Personal Credit
Best For | Annual Fee | Ongoing Rewards | Welcome Offer | Credit Needed | ||
|---|---|---|---|---|---|---|
 Ramp Card | Overall best business credit cards that don’t report to personal credit for large businesses with no personal credit check | $0 | Up to 1.5% cash back | None | Poor to Excellent | |
 Coast Fuel Card | Gas expenses and businesses with fleets | None; only $4 per active card, per month | Up to 10 cents per gallon & 1% cash back | None | Good to Excellent | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Software expenses and extended payment plan | $0 | Up to 5% cash back | $750 cash bonus | Good to Excellent | |
 U.S. Bank Business Platinum Card | Interest -free financing option for 18 billing cycles | $0 | None | None | Good to Excellent | |
 Signify Business Cash℠ Card by Wells Fargo | Premium fixed-rate cash back with $0 annual fee | $0 | 2% cash back | $500 cash rewards bonus | Good to Excellent | |
 CitiBusiness / AAdvantage Platinum Select Mastercard | Traveling frequently with American Airlines | $0 for the first year, then $99 | Up to 2x miles per dollar | 75,000 American Airlines AAdvantage® bonus miles | Good to Excellent | |
 Bank of America Business Advantage Customized Cash Rewards Mastercard | Earning premium rewards on your chosen expense category | $0 | Up to 3% cash back | $300 statement credit | Excellent | |
 Costco Anywhere Visa Business Card by Citi | Frequent Costco shoppers | $0; pay a Costco membership fee to qualify | Up to 4% cash back | None | Excellent |
To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Ramp Credit Card: Overall Best Business Credit Cards That Don’t Report to Personal Credit for Large Businesses & No Personal Credit Check
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
- 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.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- 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
Ramp is a corporate charge card designed for incorporated companies that can deposit at least $50,000 in a business bank account that will be connected to the Ramp credit card. It does not require a personal credit check as part of the qualification process, and it lets you earn unlimited rewards that can help you maximize your cost savings.
- 1.5% cash back on purchases, regardless of spending categories
- Over $350,000 in partner rewards in the form of discounts from partner merchants, including Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others
- Seamless platform that lets you set controls, block merchants, and monitor spending
- High credit limits that are usually 10 to 20 times more than most other corporate or business credit cards
Note that Ramp is only for incorporated companies—sole proprietors and unincorporated businesses are not qualified to apply. Also, you need to pay your balance in full each month.
Coast Fuel Card: Best for Gas Expenses & Businesses With Fleets
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why We Like It
Coast is a universally accepted fuel card you can use anywhere that accepts Visa. It offers up to 10 cents off per gallon on fuel, and you’ll also earn a fixed rate cash back on all other nonfuel purchases. What’s more, it only needs a soft credit pull and doesn’t require a personal guarantee when you apply. It also provides customizable and robust controls and has a $0 annual fee—you’ll only need to pay $4 per active card, per month.
- Up to 10 cents per gallon everywhere Visa is accepted
- 1% cash back on purchases at merchants other than gas stations
- Access to the Coast portal that offers robust controls and allows you to set limits, authorize payments, and order and assign cards to employees
- Real-time visibility lets you monitor your spending and get alerts for any suspicious transactions
- Build business credit when you use your card responsibly, as Coast reports monthly to the Small Business Financial Exchange (SBFE); certified vendors include Dun & Bradstreet, Experian, and Equifax
Keep in mind that Coast is a charge card, so you need to pay your balance in full each month—otherwise, you need to pay a penalty fee of $35.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Software Expenses & Extended Payment Plan
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® features ExtendPay® Plan—it allows you to pay off your eligible balance in monthly installments without interest, just a small monthly fee. It is also a great option if you frequently spend on software subscriptions, as it gives you a $100 statement credit annually. Plus, it charges $0 annual fees.
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible net purchases at gas stations, office supply stores, restaurants, and cell phone service providers
- 1% cash back on all other purchases
- $750 bonus cash back after you spend $6,000 on eligible purchases within the first 180 days of card ownership
- 0% APR on purchases for the first 12 months
- $0 annual fee
U.S. Bank Business Platinum Card: Best for Interest-free Financing Option for 18 Billing Cycles
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Why We Like It
With the U.S. Bank Business Platinum Card, you can make a significant purchase without paying interest for the first 18 months This intro APR is valid until April 2026 only , which is the longest 0% APR offer among all other business credit cards on this list. It’s worth noting, however, that this is the main benefit of owning the card—because it does not offer rewards on purchases.
- $0 annual fee
- Low ongoing APR compared with other business credit cards featured in this guide
Signify Business Cash℠ Card by Wells Fargo: Best for Premium Fixed-rate Cash Back With $0 Annual Fee
Signify Business Cash℠ Card by Wells Fargo
Intro APR
0% for 12 months
Regular APR
17.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good, Excellent
- 2% cash rewards on all purchases with no categories to track, and no limit to the amount of rewards you can earn
Pros
- $0 annual fee
- High flat-rate rewards compared to most credit cards
- 0% APR for 12 months
Cons
- Balance transfer not allowed
- Charges foreign transaction fee
- Wells Fargo Mobile® app
- Complimentary Priority Pass™ membership
- Zero Liability Protection
- Mastercard ID Theft Protectiontrademark™
- MasterRental Insurance Coverage
Intro APR
0% for 12 months
Regular APR
17.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good, Excellent
- 2% cash rewards on all purchases with no categories to track, and no limit to the amount of rewards you can earn
Pros
- $0 annual fee
- High flat-rate rewards compared to most credit cards
- 0% APR for 12 months
Cons
- Balance transfer not allowed
- Charges foreign transaction fee
- Wells Fargo Mobile® app
- Complimentary Priority Pass™ membership
- Zero Liability Protection
- Mastercard ID Theft Protectiontrademark™
- MasterRental Insurance Coverage
Why We Like It
Signify Business Cash℠ Card by Wells Fargo lets you earn a fixed premium cash back rate on all purchases, which can be used for statement credit, gift cards, travel, and more. On top of this, it charges $0 annual fees, and you can also add employee cards at no additional cost.
- 2% cash back on all purchases, regardless of spending categories
- $500 cash bonus rewards when you spend $5,000 in the first three months
- 0% APR on purchases for the first 12 months from account opening
- Access to Wells Fargo Mobile® app to check balances, view transaction history, and make payments from virtually anywhere
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for Traveling Frequently With American Airlines
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
BEST FOR:
Frequent American Airlines flyers who want premium airline perks
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- Welcome offer
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- Welcome offer
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
Why We Like It
If you travel with American Airlines often, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® gives you lucrative rewards in the form of miles, which you can use for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access. Plus, it comes with a $0 introductory annual fee for the first year, then you pay only $99 per year thereafter.
- 2× miles for every dollar spent on eligible American Airlines, as well as at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1× miles for every dollar spent on all other purchases
- 75,000 American Airlines AAdvantage® bonus miles after making at least $5,000 purchases within the first five months of card membership
- Travel perks such as a free checked bag, in-flight savings, priority boarding, and access to airport lounges
- $0 foreign transaction fees
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Premium Rewards in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why We Like It
The unique feature of Bank of America® Business Advantage Customized Cash Rewards is that you can earn premium cash back on your chosen expense category, which you can change every month depending on your company’s projected expenses. These categories include gas, office supplies, travel, computer services, TV or telecommunication services, or business consulting services. What’s more, it charges $0 annual fees and comes with a generous welcome offer.
- 3% cash back on your chosen expense category and 2% cash back on dining on the first $50,000 in combined purchases each year
- 1% cash back on those categories when the cap is met and on all other purchases
- 0% APR on purchases for the first nine billing cycles after opening an account
- $300 statement credit when you spend at least $3,000 in net purchases within 90 days of opening an account
- Up to 75% more rewards if you have an existing Bank of America business checking account and you qualify for the Preferred Rewards for Business program
Costco Anywhere Visa Business Card by Citi: Best for Frequent Costco Shoppers
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
19.74% – 27.74% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
19.74% – 27.74% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Why We Like It
Costco Anywhere Visa Business Card by Citi offers premium cash back on gas and purchases at Costco and Costco.com that you can redeem in the form of an annual reward certificate. You can use this certificate for cash or merchandise in a single transaction at any US Costco Warehouse. While there’s a $0 annual fee, you’ll need to pay for a Costco membership to qualify.
- 4% cash back on gas purchases worldwide, including gas at Costco, for the first $7,000 per year, then 1% thereafter
- 3% cash back at restaurants and on eligible travel purchases worldwide, including Costco Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- $0 foreign transaction fees
- $0 annual fee
- Travel benefits, including travel and emergency assistance, worldwide car rental insurance, travel accident insurance, and roadside assistance dispatch service
How We Selected the Best Business Credit Cards That Don’t Report to Personal Credit
When choosing the best business credit cards that don’t report to personal credit bureaus, we looked at the strongest features, including fees, regular APR, introductory bonuses, introductory rates, ongoing rewards, and other benefits. We also consider the ease of the application process and the qualification requirements.
Pros & Cons of Using Business Credit Cards That Don’t Report Personal Credit
| PROS | CONS |
|---|---|
| Separates your personal credit: Cards that don’t report to personal credit bureaus are a good choice when you want to protect your personal credit score or prefer to keep your business and personal credit activity separate. | Can’t build personal credit: As you use your business credit card regularly and make consistent on-time payments, your business credit score will grow quickly. However, cards that don’t report to personal credit won’t help your personal credit score. |
| Keeps your credit utilization ratio low: Business credit cards tend to accumulate higher balances, which can increase your credit utilization ratio. A low credit utilization ratio is a contributing factor toward a strong personal credit score. | Requires personal guarantee: Though these cards don’t report personal credit, most still require a personal guarantee. This means you’re liable for your business’s debts if you fail to pay the credit card bill. See our best business cards with no personal guarantee for options. |
Business credit cards that don’t report to personal credit bureaus are those issued by U.S. Bank, Bank of America, Citi, and Wells Fargo. Some other specialized cards, like charge cards and fuel cards, also don’t report to personal credit bureaus. If you use a card from any of these issuers, your activity won’t affect your personal credit score.
However, they still report your usage and payment behavior to commercial credit bureaus, building your business credit score when you use them responsibly. Here’s the list of known business credit card issuers and what they report:
Frequently Asked Questions (FAQs)
Most business credit card issuers report your transactions and payment history to personal credit bureaus, affecting your credit score. Using a business credit card can either harm or improve your personal credit score, depending on how responsibly you use it. Note, however, that some card issuers, like American Express, only report negative information.
Most business credit card companies will check your personal credit score as part of the qualification process. This may include running a hard credit check on your personal credit, which may harm your credit score a bit. The Coast Fuel Card, however, will only perform a soft credit pull on your personal credit, which will not adversely affect your score.
Most business credit cards require personal guarantees from the business owners. This means that the owners are personally liable for their company’s financial obligations. In the event the business fails to pay its credit card debts, the card issuers can go after the personal assets of the owners. There are some credit cards, typically corporate cards and business charge cards, that don’t require personal guarantees.
Bottom Line
When deciding which business credit cards that do not report bad credit are right for your business, consider the fees, rates, and reward structure. Also, make use of free financial tools that are included with online and mobile banking to stay on top of your business finances. You can also take advantage of the introductory bonuses and 0% APR period offered by some issuers to maximize the benefits.
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.
