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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 with no personal credit check are designed for businesses with low credit scores or limited credit history, and the best ones are those that offer an easy approval process. If you want to optimize your usage, consider cards that let you earn ongoing rewards on your purchases. Your options include corporate charge cards, prepaid cards, and a personal secured credit card.
Here are the seven best business /best-business-cards-no-personal-credit-check cards with no personal credit check:
Overview of the best business credit cards with no personal credit check
Ramp Card: Overall best business card with no personal credit check & high credit limits
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 we like it
This corporate charge card is our top choice, offering credit limits up to 10 to 20 times higher than most other business credit cards without requiring a personal credit check. It’s an excellent option for businesses with high expenses and substantial credit needs.
Plus, you’ll earn fixed-rate cash back on all purchases, making it easy to earn rewards. This straightforward rewards program is one of the key reasons it ranks on our list as one of the best corporate cards. To qualify, your business must have at least $50,000 in a connected business bank account.
- Up to 1.5% cash back on all purchases, regardless of spending categories
- Seamless platform allows you to set controls, block merchants, and monitor spending
- Live support from experts
- Streamlined payment reconciliation allows you to automate your accounting process efficiently
- No personal guarantee
BILL Divvy Card: Best for three payment frequencies
Why we like it
This card stands out by offering three payment options: weekly, semimonthly, and monthly. The rewards you earn will vary depending on the payment frequency you choose. Plus, there are $0 annual or monthly fees, making it essentially free to use. It’s ideal for businesses with varied expenses across different categories that want flexibility in their payment schedule.
Paid weekly:
- 7x points on restaurants
- 5x points on hotels
- 2x points on recurring software subscriptions
- 1.5x points on everything else
Paid semimonthly:
- 4x points on restaurants
- 3x points on hotels
- 1.75x points on recurring software subscriptions
- 1x points on everything else
Paid monthly:
- 2x points on restaurants
- 2x points on hotels
- 1.5x points on recurring software subscriptions
- 1x points on everything else
- Rewards can be redeemed as cash back, travel, statement credit, and gift cards
- Access streamlined expense management software for free to help you track your expenses and control your spending
- Accounting integrations including QuickBooks, NetSuite, and Sage Intacct
- BILL reports customer credit performance to the Small Business Financial Exchange (SBFE®), helping you build your business credit score
Rippling Spend Credit Card: Best for custom card policies, robust control & cash back
Why we like it
This corporate credit card offers cash back on every purchase, starting with 1.5% and earning even more in select categories. With Rippling, you get direct access to your employee data, allowing you to create a customized card policy to enforce spending controls the way your business prefers. Keep in mind, you can use the card for $0 for the first month after approval, and then with a $11 monthly fee thereafter.
- 1.5% cash back on business purchases, with multipliers on common expense categories
- Robust automation of processes, including updating card policies, issuing employee cards, and revoking cards
- Personalized card branding with your company logos
- Customized card controls
Stripe Corporate Card: Best for scalable credit limits & cash back
Why we like it
Stripe’s credit card is perfect for new and growing businesses, as your credit limit can increase along with your company’s growth. You’ll earn 1.5% cash back on all expense categories and pay $0 extra fees, helping you save money. To qualify for the card, you must already have an active Stripe expense management account.
- 1.5% cash back on all business purchases across all categories
- Real-time expense reporting
- Flexible spend controls to help control expenses and prevent fraud — set custom authorization rules like allowed merchant categories and per-cardholder spending limits
- Seamless integration with finance software
- No personal guarantee required
Emburse Spend Card: Best prepaid card with fixed-rate cash back & $0 annual or monthly fees
Why we like it
Emburse Spend, which is one of our recommended business prepaid cards, offers unlimited 1% cash back on purchases and has $0 annual or monthly fees. As a prepaid card, you’ll need to fund your account before using it. The card has a high load limit of up to $100,000, and you can request a higher limit if needed (subject to approval). Since it’s not a credit card, it’s a great choice for businesses with strong cash flow that want to avoid taking on debt.
- Unlimited 1% cash back on all purchases, regardless of spending categories
- Unlimited virtual and physical cards at no cost
- Card management software that lets you set limits and view real-time transactions
- Full-featured mobile app for all users
- Customer live support is available 24/7
- No personal guarantee
OpenSky® Secured Visa® Credit Card: Best personal secured credit card with no bank account requirement
OpenSky® Secured Visa® 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.
Business owners with a credit score below 580
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25.64% variable
Poor to Average
- New Feature! Earn up to 10% cash back* on everyday purchases at over 40,000 participating merchants.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- No bank account required—OpenSky® won’t require you to have an existing or new traditional bank account with Capital Bank.
- Reports your payment and usage behavior to all three major credit bureaus (Equifax®, Experian®, and TransUnion®), helping you build or rebuild credit.
Pros
- No credit check to apply
- No bank account needed
- Report to all 3 major credit bureaus
- Low APR
Cons
- Requires a security deposit
- No 0% introductory APR
- Annual fee applies
- Flexible deposit funding: Use a debit card, wire transfer, check, or money order to fund your security deposit, starting from $200 up to $3,000.
- Pay security deposit in installments: Pay your OpenSky® Secured Visa® deposit in installments, but complete it within 60 days to avoid reapplying (terms apply).
- Free online access to FICO® score: You can monitor your credit health by accessing your FICO® score online for free.
25.64% variable
Poor to Average
- New Feature! Earn up to 10% cash back* on everyday purchases at over 40,000 participating merchants.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- No bank account required—OpenSky® won’t require you to have an existing or new traditional bank account with Capital Bank.
- Reports your payment and usage behavior to all three major credit bureaus (Equifax®, Experian®, and TransUnion®), helping you build or rebuild credit.
Pros
- No credit check to apply
- No bank account needed
- Report to all 3 major credit bureaus
- Low APR
Cons
- Requires a security deposit
- No 0% introductory APR
- Annual fee applies
- Flexible deposit funding: Use a debit card, wire transfer, check, or money order to fund your security deposit, starting from $200 up to $3,000.
- Pay security deposit in installments: Pay your OpenSky® Secured Visa® deposit in installments, but complete it within 60 days to avoid reapplying (terms apply).
- Free online access to FICO® score: You can monitor your credit health by accessing your FICO® score online for free.
Why we like it
This personal secured credit card doesn’t require a credit check or a bank account to qualify. All you need to do is make a security deposit of $200 to $3,000, which will set your credit limit. It has a low annual fee and reports your payments to major credit bureaus, helping you build or improve your credit score when used responsibly. While it doesn’t offer rewards, it’s still one of our leading secured business cards due to its simple application process.
No ongoing rewards on purchases.
- Low annual fee
- Minimum of $200 security deposit
- Transactions will be reported to the three major credit bureaus — Equifax®, Experian®, and TransUnion® — helping you build or improve your credit with responsible use
Rho Corporate Card: Best for businesses looking for credit limit increases
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 we like it
The Rho Corporate Card is ideal for businesses of all sizes, providing flexible spending controls and the ability to increase credit limits as your business grows. It comes with $0 fees, no personal credit check, and no personal guarantee required. The platform also integrates payables, expenses, banking, treasury, and accounting into one system, making it easier to track and manage your finances all in one place.
- 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 cards with no personal credit check
When selecting the best business credit cards with no personal credit check, we considered cards that offer a quick and easy approval process with low fees. We also considered the cash management system that comes with the card and the ability to set controls based on the business owners’ preferences. Also taken into consideration are business credit cards that offer opportunities for earning rewards or offer other ongoing benefits.
Pros & cons of using business credit cards with no personal credit check
Frequently asked questions (FAQs)
Yes, it’s possible to get a business credit card without a personal credit check. While most issuers require a credit check as part of the qualification process, there are a few cards available that you can qualify for without checking your personal credit score. Your options include secured business credit cards, corporate charge cards, and prepaid or debit cards. For credit cards that require a personal credit check, you may need to apply with a co-signer if you know that your personal credit score could not qualify.
A personal credit check is the process of assessing an individual’s creditworthiness based on their credit history and credit score. Lenders and credit card issuers typically use the information obtained from a personal credit check to determine the individual’s risk level as part of the approval process.
On the other hand, a personal guarantee is when an individual assumes personal liability for the debt incurred by a business entity. Most lenders and card issuers often require business owners to provide a personal guarantee—this means that they will be held personally liable for their company’s debts, and the lender can go after their personal assets in case their business defaults.
The qualification requirements may vary depending on the card issuer. In general, you need to prepare your personal and business information to apply for a business card with no personal credit check. Also, you may need to open or connect your bank account and have a certain amount of money in that account to qualify. Some corporate charge cards may require a minimum annual revenue as part of the qualification.
Bottom line
The best business credit cards with no personal credit check allow you to qualify easily, save on overall credit costs, and access a streamlined platform to control company spending. Those that let you earn rewards on your purchases are a plus. Take note that your options are limited, and most of these business cards can not help build your business credit.
If you have plenty of employees and a large revenue, consider a corporate charge card. If you have sufficient cash on hand, a prepaid or debit card may work best for you. If you want to build or improve your credit, go with a secured business credit card.
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.