5 Best Business Credit Cards That Don’t Report to Personal Credit for 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Andrée Kirk is a Staff Writer at Fit Small Business, specializing in Small Business Banking and Credit Cards.
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.
If you’re looking for a business credit card that won’t report to your personal credit, we’ve reviewed the best five options below. When selecting this type of card, you should also consider the terms and rewards offered and the rewards redemption cycle. Some rewards can be redeemed after the close of each billing statement; some can be redeemed quarterly, and some annually. Remember that most of these card issuers still report business credit activity to the major business credit bureaus.
Here are the five best business credit cards that don’t report to personal credit bureaus:
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best overall card with low ongoing annual percentage rate (APR)
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Best card for business travel
- Wells Fargo Business Platinum: Best card for choosing cash back or points rewards
- Costco Anywhere Visa® Business Card: Best card for recurring Costco purchases
- Wells Fargo Business Secured: Best secured business credit card
Want to compare the features of one card to another? We’ve made it easy for you to do just that! Simply check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best Overall Card With Low Ongoing APR
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
10.99% to 19.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
10.99% to 19.99% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.
Why we like it: If you tend to keep a balance on your card with each billing cycle, the starting APR for the PNC Cash Rewards® Visa Signature® Business Credit Card is a very low 10.99%. It’s a great choice for small business owners in any industry, offering 1.5% cash back on all eligible business purchases with no limit to the amount earned and no annual fee. As an introductory bonus, receive $200 if you make $3,000 in eligible purchases in the first three billing cycles.
Stay on top of your business finances with online and mobile banking, which includes email and text alerts to monitor your transactions. Plus, if you have a PNC business checking account, you can enroll for free in Cash Flow Insight® to track your expenses. View spending by business category, project your account balance, analyze trends, and plan for the future. For an extra $15 a month plus transaction fees, you can sync Cash Flow Insight® with accounts payables (A/P), accounts receivables (A/R), and accounting software including QuickBooks. You can try Cash Flow Insight® with these add-on features free for the first 60 days. PNC does report your credit history to the business credit bureaus.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best Card for Business Travel
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
12.24% - 22.24% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
12.24% - 22.24% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
- Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
- No annual fee and no international transaction fees.
- 0% Introductory APR on purchases for your first nine billing cycles.
- Redeem points for travel with no blackout dates, cash back or gift cards.
- Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Why we like it: When you travel frequently for business, the Bank of America Business Advantage Travel Rewards World Mastercard gives you 3x points for every $1 when you make travel arrangements―flights, hotel, or rental car―through the Bank of America® Travel Center. You also receive 1.5 points for each $1 spent on any business purchase. There’s no annual fee and no foreign transaction fee.
Earn 30,000 points if you spend $3,000 within the first three months of card ownership, which you can redeem for a $300 travel or dining credit. Plus, with online and mobile banking, you can keep an eye on all account activity with cash flow management tools. Bank of America does report your credit history to the business credit bureaus.
Wells Fargo Business Platinum: Best Card for Choosing Cash Back or Points Rewards
Wells Fargo Business Platinum Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Choosing cash back or points rewards with no annual fee
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Why we like it: With the Wells Fargo Business Platinum card, you can select between cash back or points rewards. Earn 1.5% cash back on any qualifying business purchases, or 1 point for every $1 spent. If you opt for points, as a bonus you earn an additional 1,000 points each billing cycle that you spend at least $1,000. Redeem points for gift cards, airline tickets, and more. Receive cash back automatically as a statement credit or as a deposit to your eligible checking or savings account each quarter―March, June, September, and December). Plus, there’s no annual fee and no foreign transaction fee.
Financial tools from Wells Fargo include My Spending Report, which includes all activity on your card, and Budget Watch―a budget tool to chart monthly business expenses. Wells Fargo does report your credit history to the business credit bureaus.
Costco Anywhere Visa® Business Card: Best Card for Recurring Costco Purchases
Costco Anywhere Visa® Business Card by Citi
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
15.24% Variable
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cash-back categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Car rental insurance: Offers primary coverage, which means you won’t need to use your personal auto insurance or accept insurance offered by the rental agency. Coverage is limited to $50,000.
- Purchase protection: The issuer may repair or reimburse for items purchased with your business Costco card ― or your reward certificate ― that are damaged or stolen within 120 days of purchase or 90 days for New York residents.
Intro APR
N/A
Regular APR
15.24% Variable
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cash-back categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Car rental insurance: Offers primary coverage, which means you won’t need to use your personal auto insurance or accept insurance offered by the rental agency. Coverage is limited to $50,000.
- Purchase protection: The issuer may repair or reimburse for items purchased with your business Costco card ― or your reward certificate ― that are damaged or stolen within 120 days of purchase or 90 days for New York residents.
Why we like it: Does your small business frequently shop at Costco? The Costco Anywhere Visa® Business Card issued by Citi offers a ton of cash back rewards if you have a business account with Costco:
- 4% on eligible gas, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% on restaurants and eligible travel purchases
- 2% on all other purchases from Costco stores and online at Costco.com
- 1% on all other purchases
Cash back redemption isn’t as convenient with this card compared to other business credit cards. Rewards are given annually as a certificate once your February statement closes, redeemable for either cash or Costco merchandise at a Costco warehouse. There’s no annual fee with your paid Costco membership. Citi does report your credit history to the business credit bureaus.
Wells Fargo Business Secured: Best Secured Business Credit Card
Wells Fargo Business Secured Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Business owners with poor credit
Intro APR
N/A
Regular APR
Prime + 11.90% on purchases
Annual Fee
None
Credit Needed
N/A
- Cash Back option:
Earn 1.5% cash back on every $1 spent - Reward Points option:
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period - $0 annual rewards program fee
- $500 to $25,000 credit line
- Zero liability protection
Pros
- Approval with credit scores below 580
- Your choice of fixed-rate cash back or points rewards
Cons
- Requires a security deposit of at least $500
- Has an annual fee
- Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
- Design studio: Include a personal image or business design on your credit card.
Intro APR
N/A
Regular APR
Prime + 11.90% on purchases
Annual Fee
None
Credit Needed
N/A
- Cash Back option:
Earn 1.5% cash back on every $1 spent - Reward Points option:
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period - $0 annual rewards program fee
- $500 to $25,000 credit line
- Zero liability protection
Pros
- Approval with credit scores below 580
- Your choice of fixed-rate cash back or points rewards
Cons
- Requires a security deposit of at least $500
- Has an annual fee
- Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
- Design studio: Include a personal image or business design on your credit card.
Why we like it: Although you’ll need a Wells Fargo business checking account to apply for the Wells Fargo Business Secured card, you can choose how you’d like to earn rewards. Similar to the Wells Fargo Business Platinum card, earn 1.5% cash back on any qualifying purchases or 1 point for every $1 spent. If you opt for points, as a bonus, you earn an additional 1,000 points each billing cycle that you spend at least $1,000. You can apply online conveniently since Wells Fargo doesn’t accept in-branch applications for this card.
This card is a good choice when you’re still building credit. Activity on this card isn’t reported to business or personal credit bureaus, but Wells Fargo will review your account periodically to see if you qualify for an unsecured Wells Fargo credit card. You won’t be obligated to give up this card and switch to an unsecured card.
Business Credit Card Issuers That Don’t Report to Personal Credit
Business credit card issuers that don’t report to personal credit are Bank of America, Citi, PNC, and Wells Fargo. If you use a card from any of these issuers, your activity won’t be reported to any of the personal credit bureaus.
Issuer | Reports to Business Credit Bureaus | Reports to Business Credit Bureaus |
|---|---|---|
American Express | Negative info only | Yes |
Bank of America | None | Yes |
Barclays | All activity | Yes |
Capital One | Depends on card* | Yes |
Chase | Negative info only | Yes |
Citi | None | Yes |
Discover | All activity | Yes |
PNC | None | Yes |
U.S. Bank | Negative info only | Yes |
Wells Fargo | None | Yes |
*For business owners who’ve opened a Capital One® Spark® Cash Plus for Business card on or after October 20, 2020, Capital One will no longer report to personal credit bureaus as long as an account remains in good standing. All other Capital One Spark for Business cards report all activity to personal credit.
Pros of Business Credit Cards That Don’t Report to Personal Credit
- Separates your personal credit: Cards that don’t report to personal credit are a good choice when you want to protect your personal credit score, or you prefer to keep your business and personal credit activity separate.
- 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 towards a strong personal credit score.
Cons of Business Credit Cards That Don’t Report to Personal Credit
- You can’t build personal credit: As you regularly use your business credit card and make consistent on-time payments, your business credit score will grow quickly. Cards that don’t report to personal credit won’t allow you to improve your personal credit score.
- You’ll have to provide a personal guarantee: Although these cards don’t report to personal credit, most business credit cards still require a personal guarantee. This means that you’re committed to paying the business credit card bill with your personal funds if your small business can’t.
How We Evaluated the Best Business Credit Cards That Don’t Report to Personal Credit
When choosing the best cards that don’t report to personal credit, we looked at the strongest features of each: rewards, regular APR, introductory bonuses, introductory rates, and financial monitoring tools.
Bottom Line
When you’re searching for a business credit card that doesn’t report to personal credit, be sure that the rates and reward structure are a good fit for your small business. Make use of free financial tools that are included with online and mobile banking to stay on top of your business finances. If you’d like to see a wider selection of cards, look at our best small business credit cards.
