Small Business Credit Card

Credit Cards - 29 August 2026

Can An LLC Get A Credit Card? Yes, an LLC can get a business credit card as soon as the company is formed, even if it has no revenue or employees yet.

What You Need to Apply

To apply for a credit card for your LLC, you generally need to provide:

Your EIN (Employer Identification Number), which is a federal tax ID for businesses.
Your basic business information, like your legal business name, address, and industry.
Your estimated annual revenue and monthly spend.
Your personal details, including your Social Security Number (SSN).

How Approval Works

Personal Guarantee: Most banks require a personal guarantee for small or new LLCs. This means you promise to pay the bill if the business cannot.
Personal Credit Check: Because of the guarantee, the issuer will check your personal credit score to decide if you qualify.
No Guarantee Options: A few corporate card providers evaluate your business based on cash flow and bank balances rather than your personal credit, though these often require existing monthly revenue. You can read more about features and options from .

Why Get a Business Card for an LLC

Keep Finances Separate: It stops you from mixing business money with personal money. This protects your personal liability.
Build Business Credit: Paying your bills on time helps your LLC build its own credit score.
Earn Rewards: You can get cash back or travel points on office supplies and inventory.

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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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What Is The Best Credit Card For A Small LLC Business?

The best credit card for a small LLC depends on your primary spending habits [0.5], but the is widely considered the overall best choice for most small LLC startups due to its simple flat-rate cash back and $0 annual fee.

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Top Credit Cards by Category

Best for Flat-Rate Cash Back: Ink Business Unlimited® Credit Card earns unlimited 1.5% cash back on all purchases with a $0 annual fee.
Best for Travel and Advertising: Ink Business Preferred® Credit Card offers a massive welcome bonus and 3x points on travel, shipping, internet, phone services, and online advertising, with a $95 annual fee.
Best No-Annual-Fee Amex: The Blue Business® Plus Credit Card from American Express earns 2x Membership Rewards points on everyday business purchases up to $50,000 per year ($0 annual fee).
Best for Startups Lacking Credit History: evaluates your LLC based on revenue and cash flow instead of requiring personal credit checks or guarantees ($0 annual fee).

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Can I Get A Business Credit Card With Only An EIN?

Yes, you can get a business card with only an EIN by reviewing options outlined in the , though traditional major banks rarely approve cards without a personal Social Security Number (SSN).

How EIN-Only Cards Work

Corporate Cards: True EIN-only options are almost always corporate cards or charge cards rather than standard small business credit cards.
No Personal Guarantee: These cards skip personal credit checks and do not hold you personally liable for business debt.
Strict Approval Rules: Issuers judge your business by its revenue, cash flow, or bank balance instead of your personal credit score.

Requirements for Approval

Registered Entity: Your business must be a formal structure like an LLC, C-corp, S-corp, or partnership. Sole proprietors usually cannot qualify with an EIN alone.
Cash Reserves: Many modern fintech platforms require a minimum bank balance (often $20,000 to $25,000) or high monthly revenue.
Identity Verification: Even without a credit check, issuers still need basic personal data to satisfy anti-money-laundering laws.

You can learn more about alternative paths and provider limitations in . If you want to understand why traditional institutions reject EIN-only requests, read the .

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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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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.

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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

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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EIN or SSN Youll need to provide either an employer identification number EIN or an SSN Sole proprietors can use their SSN

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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

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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Can I Open A Business Credit Card Even If I Don't Have A Business?

Yes, you can get a business credit card without a formal or registered business like an LLC or corporation.

You can qualify as a sole proprietor if you earn any independent income, such as from freelance work, a side hustle, or gig driving.

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How to Apply as a Sole Proprietor

Business Name: Use your own legal name.
Business Structure: Choose "sole proprietorship".
Tax ID: Use your Social Security Number (SSN) instead of an Employer Identification Number (EIN).
Business Revenue: You can list $0 if you are just starting out or have no business revenue yet.

What Issuers Require

Personal Guarantee: You are personally responsible for paying back all debt on the card.
Personal Credit Score: Banks look at your personal credit history and FICO score (usually needing 670 or higher) for approval.
Personal Income: You must provide your total household or personal annual income.

You can read more details in the or review the .

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Can I Get A Chase Business Credit Card With Only An EIN?

No, you cannot get a Chase business credit card with only an EIN, as explained by the How To Get a Business Credit Card With an EIN Only guide. Chase always requires your Social Security Number (SSN) to process an application.

Why Chase Requires an SSN

Personal Guarantee: Chase asks owners to sign a personal guarantee. This means you are personally responsible if the business cannot pay the bill.
Credit Check: Chase runs a hard inquiry on your personal credit report. They use your personal score to decide if you qualify.

Alternatives for EIN-Only Cards

Traditional small-business cards from major consumer banks almost always require an SSN.
Some corporate charge cards allow EIN-only applications.
These corporate options usually require high annual revenue and established business history instead of an SSN.

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What Is The Easiest Business Card To Get Approved For?

The easiest business credit card to get approved for is a secured business card like the Bank of America Business Advantage Unlimited Cash Rewards Secured credit card, because approval relies on a cash security deposit rather than your credit history.

According to , options vary based on your credit health and business type.

Secured Business Cards (Best for Bad or No Credit)

How they work: You pay a refundable cash deposit that acts as your credit limit. Because the bank holds your money as collateral, credit score requirements are very low.
Top Pick: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card requires a minimum deposit (usually $1,000), charges a $0 annual fee, and earns 1.5% cash back.

Unsecured Cards for Fair Credit

How they work: These normal credit cards do not require a deposit, but you still need fair personal credit (usually a FICO score of 630 or higher).
Top Pick: Capital One Spark Classic for Business accepts applicants with limited or fair credit history, charges a $0 annual fee, and earns a flat 1% cash back.

Corporate Cards for Startups (No Personal Credit Check)

How they work: These cards skip personal credit checks entirely. Instead, the issuer evaluates your business bank account balance and revenue.
Top Picks: The Brex Corporate Card for Startups and the Ramp Corporate Card offer approval based on cash reserves, but usually require you to pay your balance in full every month.

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Should I Open A Business Credit Card For My LLC?

Yes, getting a business credit card is a smart choice for most LLCs because it helps you separate personal and business expenses, build a credit history for your company, and earn rewards.

Main Benefits

Protect your liability: Keeping business spending on a separate card helps maintain the legal separation between you and your LLC.
Build business credit: On-time payments help your LLC build its own credit score, which helps if you need a business loan later.
Earn rewards: Many cards offer cash back or points on typical business costs like office supplies, travel, shipping, and advertising.
Higher limits: Business cards often give you higher credit limits than personal cards.

Potential Risks

Personal guarantee: Most card issuers require your Social Security Number (SSN) and a personal credit check. If the business cannot pay the bill, you are still personally responsible.
High interest: Business credit cards can carry high interest rates (APRs) if you do not pay your balance in full each month.

You can learn more about managing these tools through the .

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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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Is It Hard For A New LLC To Get A Credit Card?

It is not hard for a brand-new LLC to get a business credit card, even with zero revenue and no prior business credit history.

Because a new company lacks a financial track record, credit card issuers rely instead on the owner's personal credit score, personal income, and a personal guarantee (a promise that you are personally responsible for the debt if the business cannot pay).

What You Need to Apply

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Personal Guarantee: Expect to provide your Social Security Number (SSN) and agree to a personal credit check.
Business Information: Your legal business name, address, industry, and estimated annual revenue (which can be $0 when starting).
Tax ID: An from the IRS, though some single-member LLCs can initially use an SSN.

Tips for Approval

Check your personal credit: Most standard rewards cards require a good-to-excellent personal credit score (typically 670 or higher).
Look at alternatives: If your personal credit is low, look into a where a cash deposit sets your credit limit.
Read guides: You can learn more about the application process and compare options through resources like or .

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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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Is There A Business Credit Card That Requires No Personal Guarantee?

Yes, business credit cards and corporate cards that require no personal guarantee do exist, though they are usually corporate cards offered by fintech companies rather than traditional small-business cards.

Top Options With No Personal Guarantee

: Does not require a personal credit check or personal guarantee, but requires strong business financials or significant cash reserves.
: Offers corporate cards with no personal guarantee, basing eligibility on your company's cash balance and revenue.
(formerly Divvy): Provides corporate cards without a personal guarantee, though it uses frequent repayment schedules (like daily or weekly).
Mercury Card: Offers corporate card options for eligible tech and startup businesses relying strictly on company cash flow.

How They Work

Corporate Structure: Most of these cards are corporate charge cards, meaning you must pay the balance in full every month rather than carrying a revolving balance.
Strict Requirements: Because the issuer assumes all the financial risk without your personal promise to pay, they require proof of steady revenue, cash flow, or a large minimum bank balance (often $25,000 to $100,000+).
EIN-Based Approval: You apply using your Employer Identification Number (EIN) and business bank account history instead of relying on your personal credit score.

Most users on agree that building robust business financials and separating your corporate entity are essential steps to qualify for these programs.

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