As a business owner, you can get a business credit card using only your Employer Identification Number (EIN), without providing your Social Security Number (SSN). However, it’s important to note that these EIN-only business credit cards tend to come with certain credit, revenue, and cash-on-hand requirements that are geared towards larger companies.

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Fortunately, there are a number of business credit cards more ideally suited to medium and small businesses—although some may require not just your EIN but your SSN to sign up. Some of the best business credit cards for smaller organizations belong to Ramp, Brex, and BILL. 

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In this article, we’ll explain in detail how EIN-only cards work, how to go about applying for one, and what the best business credit cards are for every type of business scenario. 

Best EIN-only business credit cards

It’s entirely possible to sign up for a business credit card using only your EIN, but it will have to be a corporate one. 

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Corporate cards are the only type of business credit cards that only require an EIN. They're intended for established companies and usually come with high revenue and cash-on-hand requirements.

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Major financial institutions like Capital One, Chase, and American Express offer corporate cards, but they’re generally designed for large corporations generating millions in revenue. For small to mid-sized businesses and startups, online corporate card providers are a more suitable option.

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The following corporate cards only require an EIN:

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The Ramp Business Credit Card provides cashback on purchases and comes with no annual fee or foreign transaction fees. It includes advanced expense management tools to help businesses automate financial workflows, control spending, and improve reporting. Ramp does not require a personal guarantee and offers a straightforward approval process tailored to business needs.

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Designed for modern businesses, the card emphasizes simplicity and efficiency with features like spend controls, detailed analytics, and seamless integration with accounting software. With no preset spending limits and a focus on optimizing expenses, Ramp supports businesses in managing finances effectively while earning consistent rewards.

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The Brex Corporate Card has no annual fee, foreign transaction fees, or personal guarantee requirement. It offers a points-based rewards program with varying earning rates depending on the type of purchase and whether a Brex Cash account is linked. Additionally, it integrates with accounting software to simplify expense tracking and reconciliation.

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One limitation is that the highest rewards rates are only available when transactions are made through a Brex Cash account, which may not align with every business's operational preferences. Additionally, Brex's rewards program emphasizes points rather than cashback, which could be less appealing for businesses seeking direct savings.

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The BILL Divvy Corporate Card provides a points-based rewards program and offers no annual fee, though foreign transaction fees of up to 0.9% apply. It includes budgeting tools to help businesses manage spend limits by category and align employee expenses with company policies. The card integrates directly with BILL’s financial tools for streamlined payment processes.

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However, the foreign transaction fee could make this card less ideal for businesses with significant international operations. The points-based rewards program may also require more effort to maximize value compared to simpler cashback cards, and the features are geared more toward companies actively using BILL’s ecosystem.

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The Stripe Corporate Card offers no annual fee, foreign transaction fees, or personal guarantee requirements. It provides cashback rewards on all purchases, making it straightforward for businesses to earn savings without category restrictions. The card integrates seamlessly with Stripe’s payment platform, benefiting businesses already using its services.

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While the card’s focus on cashback is straightforward, it lacks category-specific bonuses or additional perks like travel benefits, which some businesses may find limiting. The card is primarily suited for companies that already operate within the Stripe ecosystem, potentially narrowing its appeal to others.

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Summary of the best EIN-only business credit cards

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Secured business credit cards

If you have poor credit or don’t meet the requirements for a corporate card, secured cards can be a good alternative. With these cards, you put down a cash deposit that will act as your credit limit. Secured credit cards report to the business credit bureaus, so you can use them to build your credit score.

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Although secured credit cards don’t come with credit score or capital requirements, you’ll have to provide your SSN to qualify. This is necessary for the personal guarantee you agree to with these cards.

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Here are a few secured business credit cards:

Bank Of America Business Advantage Unlimited Cash Rewards Secured Mastercard® Credit Card

This secured credit card from Bank of America has no annual fee and requires a minimum $1,000 cash deposit. When you’re approved, your cash deposit will act as your line of credit. The card offers 1.5% cash back rewards with no annual cap, making it a good option for funding business expenses while improving your credit score.

The First National Bank Business Edition® Secured Mastercard® Credit Card

The First National Bank Business Edition® Secured Mastercard® Credit Card requires a cash deposit between $2,200 and $110,000, which acts as its credit limit. The card reports to Dun & Bradstreet, so you can build your business credit score with that bureau. It also comes with some expense management features, like receipt capture for recordkeeping. The card has a $39 annual fee.

Wells Fargo Business Secured Mastercard® Credit Card

The Wells Fargo Business Secured Credit Card requires a security deposit between $500 to $25,000, which determines its credit limit. The card offers a choice between cash back or reward points; you can earn 1.5% cash back on every dollar spent or 1 point on every dollar spent, plus 1,000 bonus points when your company spends $1,000 or more in any billing period. There’s a $25 annual fee per card.

Small business EIN-only credit cards

Corporate cards are the only business cards that require just an EIN, but they're typically designed for larger, more established companies bringing in substantial annual revenue. If you're a small business owner, it's unlikely you'll meet those capital requirements.

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In that case, you might want to consider a card from a financial technology company that caters to smaller businesses. The following are some of the best business credit cards for small companies: 

• Ramp's corporate card is designed for small to mid-sized companies.
• Expensify’s corporate card offers free and paid plans for companies with 1 to 10 employees. 
• Shopify's business card is designed for shop owners who use their platform. If you own a small e-commerce store, their no-credit-check card might work well for you.
• Business gas cards, or fleet cards, are yet another type of card to consider. They’re useful if your business manages over five vehicles and you need to track driver expenses. The rewards on gas are usually less than business gas credit cards, but they come with better expense management tools, and often don’t require a credit check or personal guarantee.

Can you use an EIN to get a credit card?

It's possible to get a credit card with only an Employer Identification Number (EIN), though it isn't easy. If your business doesn't have established credit, you'll need to meet additional requirements to get approved for a card using just your EIN. Those requirements can involve meeting a certain monthly revenue threshold or having a certain amount of capital in the bank.

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While sole proprietors can get an EIN, they're typically not eligible for small business credit cards using only their EIN. If you have a large, established business, you can usually get a corporate card without using an individual SSN or an EIN. 

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Why some issuers don’t approve applications with only an EIN

Many card issuers prefer an SSN over an EIN—and many may ask you to provide both—because they require business owners to provide a personal guarantee. That’s because lending money to startups is extremely risky, and most credit cards don’t require collateral. Lenders want to protect themselves from losses by requiring individuals to promise to repay their debts if their business can’t.

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Business credit card issuers that require a personal guarantee will look at your personal credit when deciding whether to approve your credit card application. In those cases, your personal credit will also factor into the size of the credit limit you receive and the interest rate, if applicable.

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Some, but not all, business credit card issuers that require an SSN will report payments on the card to personal credit bureaus.

Why would a small business need a business credit card with EIN and not an SSN?

If you’re a small business owner, you might prefer a credit card with an EIN rather than an SSN for several reasons. 

1. Using an EIN instead of an SSN helps separate your personal finances from those of your business.That way, you can avoid taking on personal liability for your business’s debts, should you become unable to repay them. Cards that use only an EIN are also one of the few types of business credit cards that will not affect personal credit.

2. Using an EIN can help your business build a credit history over time, as long as the card issuer ‌is reporting payments to business credit-rating agencies. Building your business credit score can give your company access to extra sources of capital in the future, and make it more affordable for you to borrow money. 

3. ‍Another reason you might want a credit card with just an EIN as a business owner is if you have bad credit. In that case, you wouldn’t have to worry about being denied based on your personal credit history.

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It’s important to note that your business credit score is inextricably linked to your EIN, in the same way your SSN is tied to your personal credit score. Credit bureaus use it to determine your company’s creditworthiness. 

Pros and cons of credit cards with EIN only

EIN-only credit cards are a great option if you want a card with no credit check, but they have their drawbacks. Here are the pros and cons of credit cards with EIN only:

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How to apply for a business credit card with EIN

Here’s how to apply for a business credit card with only an EIN, in three steps: 

1. Get your EIN

Before you can apply for a business credit card using your EIN, you’ll need to get an EIN for your business. You typically get an EIN when you register your business with the state, but if you don’t have one, you can request an EIN from the IRS using this online form.

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2. Find EIN-only business credit cards that work for you

Once you have an EIN, you’ll need to look for card issuers that will approve you with just an EIN—we’ve listed a few options below. Usually, your business will need to be registered as a limited-liability corporation (LLC), a partnership, or a corporation. Then, apply for a business credit card as you would any other credit card. If there’s a box asking for your SSN, just skip it and fill out the section requesting an EIN instead.

3. Apply for a business card with EIN

You'll also need to include other information about your business, like its name and corporate structure, its contact information, the size of your business, its current and projected revenues, and its date of registration. Once you’ve filled out the application, the card issuer will review and verify the information and then let you know whether you’ve been approved. Some card issuers will complete the verification process instantly, while others might take a few days.

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Types of EIN-only business credit cards

There are different types of EIN-only business credit cards you might consider based on your business's needs. Here are the card options to look at:

Corporate business credit cards

When using a corporate business credit card, your business is responsible for any credit card debt, eliminating the need for a personal guarantee. An SNN isn’t necessary for corporate credit cards, so you can get a business credit card with just your EIN number.

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To qualify for most corporate business credit cards, you'll also need a U.S. business bank account with a certain minimum balance. For the Ramp Card, you need a balance of at least $25,000. The Brex Card requires a minimum balance of $50,000 if you own a funded startup business, or higher if you haven't fundraised. BILL Divvy's minimum balance requirement is only $20,000, but they do run a soft credit check. Eligibility for Stripe's corporate card is decided on a case-by-case basis.

Store credit cards

Store credit cards are meant to be used at one specific store. While you’ll be more limited in where you can use them, they may make sense if the bulk of your business purchases come from a single vendor. As a bonus, store credit cards don’t come with a personal liability requirement. Best Buy’s credit card and Amazon’s Secured Store Card are examples of this type of card.

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While store credit cards often offer rewards that can benefit your business, these are only redeemable at the store where you use the card. You’re better off with a more flexible corporate card that lets you set permissions on which stores employees can shop from, with a wider range of rewards.

Corporate gas credit cards

Much like a corporate store card, gas credit cards offer perks like discounts at the pump and other travel rewards. Many companies opt to use corporate gas cards instead of gas reimbursement programs.

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As with store cards, corporate gas credit cards have limited use since they only work at gas stations within a specific network. That said, if gas is a significant expense for your company, a corporate credit card for gas might make sense. For a more flexible option, consider a corporate credit card that works anywhere, while offering category controls to limit where employees can spend. You can sign up for some gas cards using only your EIN. 

Prepaid business cards

Business card issuers typically require an SSN to determine the creditworthiness of businesses without an established credit history. Since prepaid business cards reduce the risk to lenders (since there’s no possibility for losses), they don’t require an SSN or a personal credit check.

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Prepaid business credit cards are one type of secured business credit cards. While these can be a useful tool to help you build business credit, an unsecured card offers much more flexibility.

Sign up for Ramp’s corporate business credit card using your EIN

Ramp’s corporate business credit cards offer more flexibility than other types of cards, as well as a range of additional perks for managing your business finances. You can use Ramp at all different types of stores while building your business credit score. Plus, Ramp helps you save more with its rewards and has credit limits up to 20 times higher than traditional banks.

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We also make it easy to start an employee card program by allowing you to issue unlimited virtual credit cards. You can place spending limits or restrictions on where your employees can use the cards, empowering your company to spend as necessary while controlling for unnecessary expenses.

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Plus, Ramp’s cards come packaged with a suite of expense management tools that allow you to track your finances in real-time.