New businesses with no credit can still qualify for credit cards and gain access to financing. While some people think business credit qualifies you for a business credit card, issuers typically evaluate your personal credit. The best cards usually require personal credit scores of at least 670, but we also include cards for owners with limited or no personal credit.
The best credit cards for new businesses with no credit history are:
- Chase Ink Business UnlimitedSM: (Best overall) Best for a big introductory bonus, no annual fee, and unlimited cash back rewards
- American Express Blue Business Cash™ Card: Best for earning the highest fixed-rate rewards and spending above your limit
- Capital One® Spark® Classic for Business: Best for fair credit (580 to 669)
- Wells Fargo Business Secured Card: Best for business owners who don’t qualify for an unsecured business card
- OpenSky® Secured Visa® Credit Card: Best for no credit check on a personal card
For more details on how we evaluate business credit cards for this list, see our methodology.
Chase Ink Business UnlimitedSM: Overall Best Credit Card for New Businesses With No Credit History
Ink Business Unlimited℠ Credit Card
Best For: Pocketing 1.5% cash back on every single purchase
| Intro APR ?0% APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% Intro APR on Purchases | 13.24% - 19.24% Variable | $0 | Good - Excellent |
Why we like it: This small business credit card finds its way to the top of our list because of its solid mix of rewards, introductory financing, and no annual fee. You’ll have the luxury of earning unlimited 1.5% cash back from the moment you get your card. Plus, if you spend at least $1,000 on your card monthly, you can earn a sign-up bonus worth several hundred dollars.
What we also like about this card is that it allows new businesses to avoid interest. You’ll be able to finance purchases for 12 months with no interest. This type of offer can help you make necessary purchases to get your business off the ground without having to repay them immediately. However, make sure you pay off your balance before the introductory period is over and the ongoing annual percentage rate (APR) kicks in.
American Express Blue Business Cash™ Card: Best for Earning the Highest Fixed-rate Rewards
American Express Blue Business Cash™ Card
Best For: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months
| Intro APR ?0% introductory APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
Why we like it: This business credit card for owners with no credit checks several boxes: high fixed-rate rewards, spending above your limit, and introductory 0% APR. While the rewards aren’t unlimited like our top pick, you’ll be able to earn 2% cash back on annual spending up to $50,000. This rewards structure is ideal for businesses that spend across a variety of categories and don’t want to spend the time tracking category bonuses.
What’s more, this card offers a unique, expanded buying power feature. You’ll have the opportunity to spend above your credit limit if you need access to additional capital. You’ll even earn rewards on the amount you spend above your limit. However, the extra limit is not unlimited and is based on your credit usage. The American Express Blue Business Cash™ Card also ranks as one of the best startup business credit cards.
Capital One® Spark® Classic for Business: Best for Fair Credit
Capital One® Spark® Classic for Business
Best For: Fair credit business owners (580 to 669)
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 26.99% (Variable) | $0 | Average, Fair, Limited |
Why we like it: This card ranks as one of the best business credit cards for those with no credit history because it gives owners with limited credit access to common business features. For example, while paying no annual fee, it rewards cardholders with 1% cash back, purchase protection, and extended warranty protection.
On top of earning rewards, you can also build your business and personal credit, all with one card. We recommend using this card to improve or build your credit score until you qualify for a traditional business credit card. The best business cards typically require a personal credit score of at least 670.
Wells Fargo Business Secured Credit Card: Best for Owners Who Don’t Qualify for an Unsecured Card
Wells Fargo Business Secured Credit Card
Best For: Business owners with poor credit
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | Prime + 11.90% on purchases | $25 per card | N/A |
Why we like it: If you have limited or no credit history, this business credit card for no credit can help you access credit limits of $500 to $25,000. This a secured credit card, which means your credit limit will be equal to a cash deposit you make when you apply. For example, if you deposit $1,000, your credit limit will be equal to that amount.
You’ll also have the opportunity to choose between earning cash back or points-based rewards. It pays 1% cash back or 1.5 points per $1 spent. However, if you choose points-based rewards, you can also earn 1,000 bonus points when your company spends $1,000 or more in any monthly billing period.
The Wells Fargo Business Secured Credit Card only builds business credit. However, Wells Fargo will periodically review your credit card usage for an opportunity to upgrade you to an unsecured Wells Fargo business card.
OpenSky® Secured Visa® Credit Card: Best for No Credit Check
OpenSky® Secured Visa® Credit Card
Best For: Business owners with a credit score below 580
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 18.49% Variable | $35 | No Credit Check |
Why we like it: If you want to avoid a credit check, choose this personal secured credit card. When you apply for the OpenSky® Secured Visa® Credit Card, the issuer won’t pull your credit, which means there’s no impact on your credit score. With this card, you can access credit limits between $200 to up to $3,000, subject to approval. The cash deposit you make for your credit line is refundable.
While this card offers a unique feature—no credit check—it lacks features seen on other business credit cards for no credit. For instance, it offers no introductory or ongoing rewards. Plus, you won’t be able to build your business credit because it doesn’t report to the main business credit bureaus.
How We Evaluated Business Credit Cards for No Credit
When evaluating credit cards for new businesses with no credit history, we prioritized qualification requirements. We also took into account each card’s APRs, annual fees, and overall rewards structures. The best business credit cards for no credit offer rewards worth up to 2% of your purchase price, provide cheap financing, and allow you to build your credit.
Bottom Line
When reviewing different business credit cards to choose from, you should first look at which card will be the most beneficial to your firm. The best card for you may be the one that offers the best rewards, cheap introductory financing, or the fewest qualification requirements.
