Editorial and Partnership Disclosure
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. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
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, and other benefits, like a welcome offer, ongoing rewards, or 0% introductory APRs.
Here are the top five business credit cards that don’t report bad credit:
Overview of the best business credit cards that don’t report to personal credit
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
Those who are using Ramp as their main financial management tool
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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
- Integrates with accounting software, such as QuickBooks and Xero
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.
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
- Integrates with accounting software, such as QuickBooks and Xero
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 I 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.
- 5% Savings by combining three strong features: insights to cut spending, partner rewards and cashback. The combination of these three save companies 5% on average.
- Over $350,000 in partner rewards in the form of discounts from partner merchants, including Gusto, QuickBooks, UPS, Amazon Web Services (AWS), and Indeed, 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 or unregistered businesses are not qualified to apply. Also, you need to pay your balance in full each month.
U.S. Bank Business Triple Cash Rewards World Elite Visa®: Best for software expenses & extended payment plan
U.S. Bank Triple Cash Rewards Visa® Business 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.
Those wanting to earn up to 5% cash back on selected spending categories
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0% intro on purchases for 12 billing cycles
17.99% – 26.99% Variable
Excellent, Good
- 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
0% intro on purchases for 12 billing cycles
17.99% – 26.99% Variable
Excellent, Good
- 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 I like it
U.S. Bank Business Triple Cash Rewards World Elite Visa® features ExtendPay® Plan—it allows you to pay off your eligible balance in monthly installments without interest, with a fixed 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
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.
Extended 0% APR period on purchases
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0% intro on purchases for 18 billing cycles
16.99% – 25.99% Variable
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.
0% intro on purchases for 18 billing cycles
16.99% – 25.99% Variable
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 I like it
With the U.S. Bank Business Platinum Card, you can make a significant purchase without paying interest for the first 18 months, 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
Coast Fuel Card: Best for gas expenses & businesses with fleets
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.
Businesses with small to large fleets
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None, only $4 per active card per month
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
None, only $4 per active card per month
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 I 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.
Rho Corporate Card: Best for businesses seeking flexible, $0 corporate spending
Businesses seeking flexible, $0 corporate spending
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0% (balance must be paid in full each month)
Personal credit report not required
- Unlimited virtual and physical cards
- Built-in expense management tools
- Balance due in full daily unless monthly credit terms are arranged
- Mobile device receipt upload initiated with each purchase
- 1.25% Cashback rewards applied as a statement credit
- Integrates with accounting software programs
Pros
- Personal guarantee not required
- No minimum revenue requirements
- No annual fee, subscription fee, or per-card fees
Cons
- Business must be incorporated in the United States
- Sole proprietors and unincorporated businesses not eligible
- 3% late fee charged on delinquent balances
- Online portal for easy account management
- Cards can be assigned directly to specific budgets
- Concierge-level support
- Customized spending limits can be set for each card
0% (balance must be paid in full each month)
Personal credit report not required
- Unlimited virtual and physical cards
- Built-in expense management tools
- Balance due in full daily unless monthly credit terms are arranged
- Mobile device receipt upload initiated with each purchase
- 1.25% Cashback rewards applied as a statement credit
- Integrates with accounting software programs
Pros
- Personal guarantee not required
- No minimum revenue requirements
- No annual fee, subscription fee, or per-card fees
Cons
- Business must be incorporated in the United States
- Sole proprietors and unincorporated businesses not eligible
- 3% late fee charged on delinquent balances
- Online portal for easy account management
- Cards can be assigned directly to specific budgets
- Concierge-level support
- Customized spending limits can be set for each card
Why I like it
The Rho Corporate Card is available for businesses in all stages, be it a start-up or a growing enterprise. It allows you to control and monitor spending across teams and access higher credit limits when you need it. It also has a $0 annual fee and does not require a personal credit check or a personal guarantee. Its platform also integrates payables, expenses, treasury, banking, and accounting tasks, all in one.
- Up to 1.25% cash back on eligible purchases
- Up to $1 million worth of savings on software tools
- Employee access to Rho mobile to upload receipts easily
- Unlimited physical and virtual cards
- Customize spend limits on each card issued
How we selected the best business 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
Which business credit cards do not report personal credit?
Business credit cards that don’t report to personal credit bureaus are those issued by U.S. Bank, Ramp and Rho. 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:
Many business owners are searching for additional features in a business credit card. Some of the business credit cards offer premium cash back features and flexible spending options. That’s why some of the featured cards in this article also made it in our roundup of the best small business credit cards.
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 while other banks choose not to report this information on personal credit at all.
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.
Editorial and Partnership Disclosure
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. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
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.