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

The Ink Business Cash Credit Card is aimed at business owners seeking generous cash back rewards, with up to $750 in bonus cash back and no annual fee.
Annual Fee
$0
APR
18.49%–24.49% variable APR

The Costco Anywhere Visa Business Card by Citi offers generous cash back rewards on gas, dining, travel, and Costco purchases, with no annual fee for Costco members and valuable travel and purchase protections.
Annual Fee
$0 with a paid Costco membership
APR
20.49% variable APR for purchases / 29.99% variable APR for cash advances
Personal Guarantee
Required

The U.S. Bank Triple Cash Rewards Visa Business Card features a noteworthy $750 cash back enrollment bonus when you spend $6,000 on eligible net purchases within 180 days of opening.
Annual Fee
$0
APR
19.24%-28.24% variable APR

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

The American Express Blue Business Plus Credit Card is a simple yet rewarding business credit card with no annual fee, offering flexible points on all purchases and a generous introductory APR period, making it an attractive option for small business owners looking to save on interest while earning valuable rewards.
Annual Fee
$0
APR
18.49%–26.49% variable APR

The Bank of America credit card offers flexibility to earn bonus cash back in the category of your choice. With valuable rewards, practical perks, and no annual fee, this card provides a tailored solution for many small business owners.
Net Savings
N/A
APR
0% intro APR, then 18.49%–28.49% variable
Fees
No annual fee
Personal Guarantee
Required

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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