Business Credit Card For Startups

Credit Cards - 28 August 2026

Can I Use My EIN To Get A Credit Card? Yes, you can use your Employer Identification Number (EIN) to get a business credit card, but most traditional small business cards also require your Social Security Number (SSN) and a personal guarantee.

How EIN-Only Cards Work

Corporate Cards: True EIN-only options are usually corporate charge cards offered by financial technology companies like Ramp, Brex, or Expensify.
No Personal Guarantee: These cards skip personal credit checks and do not hold you personally liable if the balance is not paid.
Identity Verification: Issuers may still ask for personal identification to comply with anti-money laundering laws, but they do not base approval on your personal credit score.

Strict Approval Requirements

Because the lender takes on more risk without a personal guarantee, qualifying for an EIN-only card is harder

. You typically need:

A Business Bank Account: Lenders look at your cash flow and active balance.
Sufficient Revenue: High monthly or annual revenue.
Established Business History: Proof that your company is legally registered and active.

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Can I Get A Business Credit Card For My New LLC With No Revenue?

Yes, you can get a business credit card for a new LLC with zero revenue by using your personal credit score and personal income for approval. As explained in the , you can simply enter $0 for revenue on your application.

How Approval Works Without Revenue

Personal Guarantee: You agree to pay the debt yourself if your LLC cannot.
Personal Credit: Lenders check your personal credit score instead of a business history. Most cards require a score of 670 or higher.
Personal Income: You must list your personal income, such as a W-2 salary or side-gig earnings, to prove you can pay the bill.

What You Need to Apply

Business Info: Your LLC legal name, address, and industry.
Tax ID: Your Employer Identification Number (EIN) or your Social Security Number (SSN).
Personal Info: Your name, home address, SSN, and personal income.

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You dont need to have a formal business to apply for a business credit card Some examples of businesses that may be eligible
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Can A Newly Formed LLC Get A Credit Card?

Yes, a newly formed LLC can get a business credit card even with zero revenue and no prior business credit history.

How Approval Works for New LLCs

Personal Credit Focus: Most small business credit card issuers evaluate applications based on the owner's personal credit score and personal income rather than the company's track record.
Personal Guarantee: Because a new LLC lacks a credit history, issuers typically require a personal guarantee, meaning you are personally responsible for paying the debt if the business defaults.
Issuer Options: Many major financial institutions are startup-friendly and accept applications from brand-new businesses, as detailed by resources like .

What You Need to Apply

Employer Identification Number (EIN): An IRS tax ID for your LLC (though some sole proprietors or single-member LLCs can occasionally use an SSN, an EIN is recommended).
Business Details: Your legal business name, address, phone number, and formation date.
Personal Information: Your Social Security Number (SSN) and personal income details.
Revenue Estimate: You can list $0 or your expected personal/business income if operations haven't started yet.

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Can a newly formed LLC get a credit card Yes there are business credit cards for new LLCsprovided you meet the requirements

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Can I Get A Business Credit Card With Only An EIN And No Credit Check?

Yes, you can get a business card using only an Employer Identification Number (EIN) and without a personal credit check, typically through modern financial platforms like or .

How EIN-Only, No-Credit-Check Cards Work

Corporate Charge Cards: These are usually corporate cards rather than traditional revolving credit cards. They require you to pay your balance in full every month.
Alternative Underwriting: Instead of pulling your personal credit score or requiring an SSN, issuers evaluate your company's financial health. They look at your business bank account balance, monthly revenue, and cash flow.
Identity Verification: Even without a personal credit check, federal anti-money-laundering laws mean providers may still ask for basic personal identification or perform a soft credit pull to verify who you are, but this will not hurt your personal credit score.

Requirements for Approval

Registered Business Entity: You generally need an LLC, C-corp, or S-corp.
Business Bank Account: You must connect an active business bank account so the issuer can verify your cash flow and balance.
Revenue or Cash Reserves: Many providers require a minimum cash balance in your bank account or consistent monthly revenue streams instead of a credit history.

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What Is The Easiest Business Credit Card To Get Approved?

The easiest business credit cards to get approved for are secured business credit cards, which require a cash security deposit as collateral.

Top Easiest Business Credit Cards

Bank of America® Business Advantage Unlimited Cash Rewards Secured:
- Best for: Bad credit or no credit history.
- Details: Requires a security deposit (typically starting at $1,000), features a $0 annual fee, and earns 1.5% cash back on all purchases.
Capital One Spark Classic for Business:
- Best for: Unsecured card for fair personal credit (scores around 630–689).
- Details: Has a $0 annual fee and earns a flat 1% cash back, requiring no security deposit.
Ramp Corporate Card:
- Best for: Startups and incorporated businesses with cash reserves.
- Details: Underwriting is based on your business bank balance rather than a personal credit check, but it requires a connected business account with a minimum balance (often $25,000).

Factors That Help Approval

Personal Credit Score: Most traditional small business cards evaluate your personal credit score, meaning a higher personal score yields better approval odds.
Security Deposit: Secured options bypass strict credit requirements because your deposit matches or defines your credit limit.
Business Revenue: Charge and corporate cards (like Ramp or Brex) look at active cash flow and revenue rather than traditional credit history.

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Can I Get A Loan With Just My EIN Number?

Yes, you can get certain business loans using only your Employer Identification Number (EIN), but true "EIN-only" loans that require zero other verification are extremely rare.

What "EIN-Only" Actually Means

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No Personal Credit Check: Lenders evaluate your business instead of your personal credit score (SSN).
Revenue-Based Approval: Instead of tax returns or personal guarantees, lenders look at your business cash flow and bank statements.
Collateral-Backed: Equipment financing or invoice financing can often be approved strictly via your EIN because the asset or unpaid invoice secures the loan.

What Lenders Still Require in Practice

Even if a lender does not pull your personal credit, they rarely rely on just a nine-digit number

. To qualify using your EIN alone, your business typically needs:

Consistent Revenue: Usually at least $5,000 to $10,000+ per month in active business bank deposits.
Time in Business: Most alternative lenders require at least 3 to 12 months of operating history.
Business Credibility: A dedicated business bank account, phone number, and a formal entity like an LLC.
Soft Credit Pulls: Many "no-doc" lenders will still run a soft check on your personal credit history as a secondary precaution.

Trade-Offs of EIN-Only Financing

Higher Costs: Interest rates, factor rates, and fees are significantly higher than traditional bank or SBA loans.
Smaller Amounts: Maximum borrowing limits are usually tied directly to a percentage of your monthly revenue.

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What Is The Best Credit Card For A Start-up LLC?

The best credit card for a start-up LLC depends on your funding status, credit history, and primary business expenses.

Best for No Personal Guarantee / Venture-Backed Startups

: Best for venture-backed or well-funded startups because it requires no personal guarantee and evaluates approval based on cash balance rather than personal credit.
: Best for automated spend controls and high cash-back yields, using sales-based underwriting instead of a personal credit check.

Best for Flat-Rate Cash Back & No Annual Fee

: Best overall for new businesses, offering a flat 2% cash rewards rate on all purchases and a $0 annual fee.
: Best for simple, predictable rewards, giving a flat 1.5% cash back on all purchases with no annual fee.

Best for Advertising and Software Spend

: Best for digital marketing and tech-heavy operations, earning 4X points on your top two spending categories (such as U.S. media advertising and software/cloud providers) up to $150,000 per year (has a $375 annual fee).

Best for Building New Business Credit

Capital One Spark Classic for Business: Best for owners with fair or limited credit history who need an accessible entry point with a $0 annual fee.

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Can I Get A Capital One Business Credit Card With Only An EIN And No Credit Check?

No, you cannot get a using only an Employer Identification Number (EIN) without a personal credit check.

Capital One Requirements

Personal Guarantee: Capital One requires a Social Security Number (SSN) and a personal guarantee for all of its small-business credit cards.
Credit Check: Capital One always performs a personal credit check during the application process to verify your identity and assess risk.

Alternatives for EIN-Only Cards

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If you need a card that relies strictly on an EIN and skips the personal credit check, you must look at corporate cards from specialized financial technology companies rather than traditional small-business issuers.

Options: Providers like Ramp, Brex, and Stripe offer corporate cards that may not require an SSN or a personal credit check.
Qualifications: These companies approve accounts based on your business cash flow, bank account balance, or monthly revenue instead of your personal credit history.

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What information is required to apply for a Capital One Business card To apply for a Capital One Business credit card or charge Business Credit Cards For Startup Businesses Capital One In general business credit cards for higher credit profiles tend to come with additional benefits and more advanced features

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Can I Get A Startup Business Loan With A 500 Credit Score?

Yes, you can get a startup business loan with a 500 credit score, but you must look at alternative and online lenders rather than traditional banks.

Because a 500 score is considered poor, lenders take on more risk. You will face higher interest rates and stricter repayment terms. To make up for a low credit score, alternative lenders will look closely at other parts of your financial profile.

Available Loan Options

SBA Microloans: Offered through nonprofit and community-based organizations, these programs sometimes relax credit requirements or accept scores around 500. They provide smaller funding amounts (up to $50,000).
Equipment Financing: The equipment you buy acts as the collateral for the loan, making it easier to get approved with bad credit.
Invoice Factoring or Revenue-Based Financing: These options focus more on your current cash flow or unpaid customer invoices than your personal credit history.

What Lenders Look For Instead

If your credit score is 500, lenders will want to see positive signs in other areas:

Business Revenue: Having steady monthly or annual cash flow proves you can afford the payments.
Time in Business: Even a few months of active operation helps.
Collateral: Offering personal or business assets reduces the lender's risk.
A Solid Business Plan: A clear plan shows how you will use the money and make a profit.

You can read more about options and requirements in this .

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Can I Get A Business Credit Card If I Just Started A Business?

Yes, you can get a business credit card even if your business was just started today.

Card issuers evaluate new businesses and side hustles by looking closely at your personal credit profile and basic application details, rather than years of operational history.

What You Need to Qualify

Good personal credit score: Most traditional business cards look for a personal FICO score of 670 or higher.
A personal guarantee: You must promise to pay the debt yourself if your business cannot. This means you are personally responsible for the bills even if you have an LLC or corporation.
Zero or low revenue: If your new business has not made any money yet, you can simply write "$0" for annual revenue on the application.

Information to Prepare

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Business name: You can use your legal business name or just your own legal name if you operate as a sole proprietorship.
Tax ID: You can use your Social Security Number (SSN) if you do not have an Employer Identification Number (EIN) yet.
Business details: Your industry type, business address (home addresses are fine), and estimated monthly spend.
Learn more about eligibility guidelines directly from .

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Which Bank Gives A Business Credit Card?

Multiple major banks offer business credit cards designed to separate company expenses and earn rewards.

Top Banks Offering Business Credit Cards

: Offers options like the HDFC BizPower Credit Card and various merchant solutions with interest-free periods up to 55 days.
: Provides cards like the Business Supreme and Executive Corporate cards featuring lounge access and reward points.
: Features products like the Business Advantage series with expense tracking and software purchase discounts.
: Offers corporate and travel cards tailored for medium to large business expense management.
: Provides corporate platinum and gold credit cards with real-time tracking.

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What Is The Minimum Credit Score For A Business Credit Card?

Most business credit cards require a minimum personal credit score of around 670, but some entry-level options accept scores starting at 580.

Why Personal Credit Matters

Lenders usually check your personal credit score instead of a business score when you apply for a new business card. You must also sign a personal guarantee, meaning you are personally responsible for the debt if the business cannot pay.

Credit Score Tiers

Excellent (740+): Gives you access to top-tier rewards, large credit limits, and low interest rates.
Good (670–739): Qualifies you for most standard mainstream business cards.
Fair (580–669): Limits your choices to specific entry-level cards that may feature higher fees or smaller credit limits.

Options for Lower Credit Scores

If your score is below 580, traditional unsecured cards are very hard to get. Instead, you can apply for a secured business card, where you provide a cash deposit that sets your credit limit. Read more about qualifications in this guide.

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Can I Get A Startup Business Line Of Credit With Only An EIN Number?

Yes, you can get a startup line of credit using only an Employer Identification Number (EIN), but it is very difficult and rare for a brand-new business with no revenue or credit history.

How "EIN-Only" Financing Works for Startups

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An EIN identifies your business as a separate legal entity, but traditional lenders rarely lend money based on an EIN alone. When lenders advertise "EIN-only" or "no-SSN" (Social Security Number) funding, they usually mean they evaluate the business entity instead of pulling your personal credit score—they still look for other forms of security.

True EIN-only lines of credit or corporate cards usually require:

Strong Cash Flow: Consistent monthly revenue, often proven through several months of business bank statements.
Established Business Credit: A strong Dun & Bradstreet PAYDEX score built through vendor tradelines.
Collateral: Physical assets or large unpaid customer contracts (invoices) to secure the debt.

Alternative Options for Brand-New Startups

If your startup has zero revenue and no business credit yet, getting a line of credit with strictly an EIN is nearly impossible. Instead, early-stage founders typically rely on:

Founder-Guaranteed Financing: Most fintech lines of credit and credit cards will ask for your EIN and your SSN to run a personal credit check or require a personal guarantee.
Corporate Cards: Some modern corporate card providers offer revolving lines without an SSN if you have alternative proof of funds or large cash reserves.
Vendor Tradelines: Opening net-30 accounts with suppliers using your EIN to build initial business credit history.

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What Business Credit Card Can I Get With A 600 Credit Score?

With a 600 credit score, you can qualify for select unsecured or secured business credit cards designed for fair or rebuilding credit.

Top Business Card Options

Capital One Spark 1% Classic: This is one of the few unsecured business credit cards available for fair credit (typically targeting scores around 600 or higher). It features a $0 annual fee and earns an unlimited 1% cash back on all purchases.
Bank of America® Business Advantage Unlimited Cash Rewards Secured: This is a top-tier secured business card option. It requires a refundable security deposit (often starting at $1000 or lower depending on approval terms), features a $0 annual fee, and earns 1.5% cash back on all purchases while helping you build your credit.
First National Bank of Omaha Business Edition® Secured Mastercard®: Another reliable secured option if you need a higher credit limit and are focused on establishing better credit history through a security deposit.

Tips for Approval

Personal Guarantee: Most business credit cards require a personal guarantee and pull your personal credit score, even for secured options.
Consider Personal Cards: If business card options are too restrictive, many entrepreneurs with a 600 score use a dedicated personal credit-building card (like a Capital One or Discover secured card) solely for business expenses until their score improves.
Read more about finding options on .

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Check out our review for this great credit card option from American Express for small businesses that offers a 15month 0 APR

What Is The Best Credit Card For A New Business With No Credit History?

The best business credit cards for a new company with no credit history are the Bank of America Business Advantage Unlimited Cash Rewards Secured card for building credit or the Ramp Business Card if your startup has steady cash flow and wants to skip a personal credit check.

Secured Business Credit Cards (Best for Building Credit)

Bank of America Business Advantage Unlimited Cash Rewards Secured: Requires a security deposit, reports to credit bureaus, has a $0 annual fee, and earns 1.5% cash back on all purchases.
First National Bank of Omaha Business Edition Secured: Offers high credit limits up to $100,000 backed by a security deposit.

Revenue-Based Corporate Cards (Best for No Personal Credit Check)

Ramp Business Card: Uses your business cash flow instead of your personal credit score for approval. It requires no personal guarantee, has a $0 annual fee, and offers automated expense management.
Brex Card: Designed for startups with incoming revenue or funding, requiring no personal credit check or annual fee.

Fair Personal Credit Options

Capital One Spark Classic for Business: Available to applicants with limited or fair personal credit history, featuring a $0 annual fee and 1% cash back on all purchases.

To learn more about qualifying requirements, you can review the .

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