Business credit cards that don't report to personal credit bureaus

- Which business credit cards report to personal credit bureaus?
- Which business credit cards report to business credit bureaus?
- Business credit cards that don't report to personal credit bureaus
- Pros of using a business credit card that doesn't report to personal credit bureaus
- Cons of using a business credit card that doesn't report to personal credit bureaus
- Build business credit with Ramp

As a business owner, it's essential to separate your personal and business finances. One way to do this is by using a business credit card that doesn't report to personal credit bureaus. This can help protect your personal credit score and keep your business and personal credit activity separate.
In this article, we'll explore which business credit cards don't report to personal credit bureaus, which ones report to business credit bureaus, and the pros and cons of using a business credit card that doesn't report to personal credit.
Which business credit cards report to personal credit bureaus?
Here's a table of some popular business credit card issuers and whether they report to personal credit bureaus:
Card issuer | Reports to personal credit bureaus |
---|---|
Ramp | No |
American Express | Yes, but only negative payment history |
U.S. Bank | Yes, but only for serious delinquencies |
Wells Fargo | No |
Bank of America | No |
Discover | Yes |
Capital One | Plus and Venture X business credit cards report delinquencies |
Chase | Yes, but only for serious delinquencies |
Citi | No |
As you can see, only a few card issuers, such as Ramp, Bank of America, Citi, and Wells Fargo don't report any activity to personal credit bureaus. This means that using these cards responsibly won't impact your personal credit score, but it also means that any negative activity, like late payments or high balances, won't show up on your personal credit report.
Which business credit cards report to business credit bureaus?
While some business credit cards don't report to personal credit bureaus, most do report to major business credit bureaus. Reporting to commercial credit bureaus can help you build your business credit profile, making it easier to qualify for loans, lines of credit, and other financing options in the future. Here's a table showing which business credit cards report to which business credit bureaus:
Card issuer | Dun & Bradstreet | Equifax | Experian |
---|---|---|---|
Ramp | Yes | Yes | Yes |
Chase | Yes | Yes | Yes |
American Express | Yes | Yes | Yes |
Bank of America | Yes | Yes | Yes |
Capital One | Yes | Yes | Yes |
Discover | Yes | Yes | Yes |
Wells Fargo | Yes | Yes | Yes |
U.S. Bank | Yes | No | No |
Citi | Yes | Yes | Yes |
Business credit cards that don't report to personal credit bureaus
Now that we've seen which card issuers report to personal credit bureaus, let's take a closer look at some specific business credit cards that don’t.
Card comparison

The Ramp corporate card offers an all-in-one platform that automates expense management, enforces spending policies, and helps businesses save an average of 5% on their expenses, without requiring personal credit checks or founder guarantees.
Annual Fee
$0
APR
N/A

- 2% cashback on gas station purchases and dining at restaurants (on the first $25,000 in combined purchases per account anniversary year, then 1%)
- 5% cashback on the first $25,000 spent at office supply stores, internet, cable, and phone services per account anniversary year
- 1% cashback on all other purchases
- Offers a $750 bonus after spending $6,000 in the first 6 months
- 0% intro APR for 12 months on purchases, followed by a variable APR
- No annual fee
- Employee cards at no additional cost
Annual Fee
$0
APR
18.49%–24.49% (variable)
Recommended Credit Score
700–850 (good to excellent)
Rewards Rate
1%–5%

- 4% cash back on eligible gas and EV charging purchases worldwide, including at Costco, for the first $7,000 per year; 1% thereafter
- 3% cashback on eligible travel and restaurants
- 2% cashback at Costco and Costco.com
- 1% cashback on all other purchases
- No annual fee with a Costco membership
- No foreign transaction fees
- Cashback is redeemable once a year as a rewards certificate, which can be used at Costco
Annual Fee
$0 with a paid Costco membership
APR
19.74%–27.74% (variable)
Recommended Credit Score
720–850 (good to excellent)
Rewards Rate
1%–4%

- The U.S. Bank Business Triple Cash Rewards Visa Business Card offers between 1%–3% cashback on eligible purchases
- Not all purchase categories qualify for elevated rewards
- Introductory 0% APR for 12 months, followed by a high variable APR
- Annual $100 statement credit for recurring software subscription expenses
Annual Fee
$0
Intro APR
0% for 12 months
Regular APR
17.99%–26.99%
Rewards
Cashback

The Well Fargo Active card offers a generous $200 cash rewards bonus when you spend $500 in purchases within the first 3 months from account opening, providing a valuable incentive on top of its unlimited 2% cash rewards on purchases.
Annual Fee
$0
APR
20.24%, 25.24% or 29.99% variable APR

- No annual fee
- Earn 30,000 membership rewards points after you spend $6,000 in purchases within three months of account opening
- 0% intro APR for the first 12 months
- 2x points on up to $50,000 per year
- Unlimited 1x points on all other purchases
- Buy above your credit limit with Expanded Buying Power
- Expense management tools
Annual Fee
$0
APR
18.49%–26.49%

- The Bank of America Business Advantage Customized Cash Rewards Credit Card offers 3% cash back in a category you choose and 2% on dining, with a $50,000 annual cap on these bonus categories.
- It features a 0% intro APR on purchases for 9 billing cycles, followed by an APR of 18.49% to 28.49% variable.
- There's no annual fee, but it does have a 3% foreign transaction fee.
- While flexible, the spending cap on bonus rewards limits its appeal for big spenders.
Annual Fee
$0
Intro APR
0% for 9 billing cycles
Regular APR
17.49%–27.49%
Rewards
Cashback

This is a rewarding business credit card for companies with frequent travel on American Airlines, offering a generous sign-up bonus, enhanced earning rates on select categories, and valuable travel perks.
Annual Fee
$99 annual fee (waived first year)
APR
21.24%–29.99% variable APR for purchases
Pros of using a business credit card that doesn't report to personal credit bureaus
Separating personal and business finances
Using a business credit card that doesn't report to personal credit bureaus helps keep personal and business expenses separate, making it easier to track and manage business finances. This separation is important for maintaining a clear distinction between personal and business credit, which is crucial for legal and tax purposes.
Protecting personal credit score
When using a business credit card that doesn't report to personal credit bureaus, the card activity won't impact the cardholder's personal credit score, as long as payments are made on time and the account is managed responsibly. This prevents potential negative effects on personal credit, such as high credit utilization or late payments on the business card.
Higher credit limits
Business credit cards often have higher credit limits compared to personal credit cards, providing more purchasing power for business expenses. These higher credit limits can be beneficial for businesses with significant expenses or those looking to make large purchases.
Cons of using a business credit card that doesn't report to personal credit bureaus
No positive impact on personal credit score
Responsible use and timely payments on a business credit card that doesn't report to personal credit bureaus won't contribute to improving the cardholder's personal credit score. This means missing out on the opportunity to build personal credit through business credit card use.
Personal guarantee requirement
Some business credit cards, including those that don't report to personal credit bureaus, may still require a personal guarantee from the business owner. This means the business owner is personally responsible for the debt incurred on the card, blurring the line between personal and business finances.
Limited options
The number of business credit cards that don't report to personal credit bureaus may be limited compared to those that do. This can restrict the choice of cards with specific rewards, benefits, or features that may be advantageous for the business.
Does a business credit card affect your personal credit score?
In most cases, a business credit card will not go off your personal credit score as long as you make payments on time and keep your account in good standing. However, if you default on your business credit card or make late payments, the card issuer may report this negative activity to your personal credit report, which could hurt your personal credit score.
Build business credit with Ramp
If you're looking to build business credit without impacting your personal credit, Ramp is a great option. Ramp provides a corporate card that doesn't require a personal credit check or personal guarantee, making it an attractive choice for business owners with less-than-perfect personal credit.
Once you're approved for a Ramp card, you can start making purchases and earn cashback on transactions. Ramp also offers a variety of expense management and accounting software integrations to help streamline your business finances.
While Ramp doesn't report to personal credit bureaus, it does report to major business credit bureaus. This means that using your Ramp card responsibly can help you build your business credit profile over time.
In addition to building business credit, using a Ramp card can also help you:
- Manage employee expenses with custom spend controls and real-time alerts
- Automate expense reporting and receipt matching
- Integrate with popular accounting software like QuickBooks, Xero, and Sage Intacct
- Access higher credit limits than traditional business credit cards

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