Business credit cards with EIN only, no SSN

An employer identification number (EIN)-only business credit card lets you apply using your company's EIN instead of your Social Security number (SSN). These cards are almost always corporate charge cards that evaluate your business's revenue and cash reserves rather than your personal credit.

Most traditional bank cards from issuers like Chase and American Express still require an SSN and a personal guarantee. If you want to keep your personal credit separate from your business finances, an EIN-only corporate card is the main path forward, but you'll need to meet higher qualification thresholds than a standard business credit card requires.

Summary of the best EIN-only business credit cards

Note: Features, rates, and requirements are subject to change. Verify current details directly with each issuer before applying.

What is an EIN-only business credit card?

An EIN-only business credit card is a card you can apply for using your company's employer identification number instead of your SSN. These cards don't require a personal credit check or personal guarantee. Instead, they evaluate your business's financial health to determine approval and credit limits.

In practice, nearly all EIN-only business credit cards are corporate charge cards. Unlike revolving credit cards that let you carry a balance, charge cards require full payment each billing cycle. This distinction matters because it's how these cards can skip the personal credit check: the issuer is underwriting the business, not the individual.

5 best business credit cards with EIN only

Corporate charge cards are the primary category of EIN-only business credit cards. Instead of evaluating your personal credit score, they assess your business's financial health: revenue, cash reserves, and operating history.

Ramp Business Credit Card

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Annual Fee

$0

APR

N/A

Foreign Transaction Fees

N/A

Rewards

Cashback

Pros & Cons

Pros:

• Higher credit limits: Ramp provides credit limits up to 30 times higher than traditional business credit cards by assessing factors like revenue and funds raised, rather than relying solely on your business credit score
• Flexible qualification options: Ramp partners with major commerce platforms such as Stripe, Shopify, and Amazon to determine credit limits for startups using sales data. With just one year of sales history on these platforms, your business can qualify and accelerate growth
• Exclusive partner rewards: Ramp cardholders enjoy access to over $350,000 in rewards, including discounts, credits, and perks for services like UPS, Amazon Business, AWS, QuickBooks, OpenAI, Notion, HubSpot, and more
• Simplified spend control: Customize and enforce expense policies with Ramp’s spend controls. Set limits by vendor, category, or transaction, and automatically flag out-of-policy or suspicious activity
• Comprehensive financial tools: Ramp’s business credit card includes a suite of finance features such as expense management, financial reporting, accounting integrations, corporate travel booking, and accounts payable automation

Cons:

• Eligibility: Only available to corporations, LLCs, or LPs; sole proprietors are ineligible
• US operations: Requires primary operations and corporate spending to be within the US, although international purchases are allowed without foreign transaction fees
• Balance transfers: Balance transfers are not supported

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You get cashback on purchases with no annual fee or foreign transaction fees. Ramp includes advanced expense management tools to help you automate financial workflows, control spending, and improve reporting. You don't need a personal guarantee, and the approval process is straightforward.

You get spend controls and detailed analytics with direct integrations to accounting software like QuickBooks and NetSuite. With no preset spending limits, Ramp helps you manage expenses and earn consistent rewards without the rigid caps that traditional business cards impose.

If you're an international founder without an SSN, Ramp also accepts a passport and proof of address. On top of cashback, you get access to over $350,000 in partner rewards from vendors like AWS, QuickBooks, and HubSpot.

BILL Divvy Corporate Card

Annual Fee

$0

APR

N/A

Foreign Transaction Fees

Up to 0.9%

Rewards

Points

Pros & Cons

Pros:

• No personal guarantee: Approval does not require a personal guarantee
• Rewards program: Earn points on eligible purchases through a rewards system
• Expense management tools: Features built-in tools for tracking expenses and managing budgets
• No annual fee: Access the card without paying an annual fee

Cons:

• US residency requirement: Restricted to businesses based in the United States
• Credit reporting: Activity is not reported to personal credit bureaus
• Card type: Operates as a charge card, requiring full payment each billing cycle
• Limited redemption options: Rewards may have fewer categories for redemption compared to other cards

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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 you manage spend limits by category and align employee expenses with company policies. The card integrates directly with BILL's financial tools for faster payment reconciliation.

However, the foreign transaction fee could be a drawback if your operations are mostly international. The points-based rewards may take more effort to maximize than simpler cashback cards. The card is a stronger fit if you're already using BILL's ecosystem.

BILL Divvy runs a soft credit check during the application, so applying won't show up as a hard inquiry on your personal credit report. The points-based rewards can reach up to 7x on dining if you opt for weekly payment cycles, though the baseline earn rate is lower. You'll need approximately $20,000 in your business bank account to qualify.

FairFigure Capital Card

Annual fee

$0

Intro APR

None

Pros & Cons

Pros:

• No personal guarantee required
• Reports two monthly tradelines to business credit bureaus, helping you build business credit faster
• Approves based on business revenue, not personal credit
• No annual fee
• Low barrier to entry: requires just 3 months in business and $2,500 in deposits

Cons:

• Technically a debit card with funding offers, not a traditional charge card
• Limited rewards compared to cashback or points-based cards
• Less established brand with fewer integrations than larger providers

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FairFigure is a business credit-building card designed for you if you want to establish or strengthen your business credit profile. Unlike traditional charge cards, FairFigure is technically a debit card that provides funding offers based on your business revenue. The card doesn't require a personal guarantee or personal credit check.

The standout feature is dual tradeline reporting. Each month, FairFigure reports two tradelines to business credit bureaus, which can accelerate your credit-building timeline compared to cards that report only once. You'll need at least 3 months in business and $2,500 in deposits to qualify, one of the lowest barriers to entry on this list.

Capital on Tap Business Credit Card

Annual Fee

$0

APR

16.74%–86.24% variable

Foreign Transaction Fees

$0

Rewards

Cashback

Pros & Cons

Pros:

• Simple 1.5% cashback on all purchases
• Fast application and approval process
• No annual or foreign transaction fees
• High credit limits available

Cons:

• APR can be extremely high, depending on credit profile
• Fewer business perks than larger issuers
• Only for U.S. or U.K. businesses registered as an LLC, corporation, or partnership

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With Capital on Tap, you get a cashback business credit card with no annual fee. You'll earn 1.5% cash back on all eligible purchases, which increases to 2% if you set up weekly AutoPay. Credit limits go up to $50,000, and the card is available to LLCs, LLPs, and corporations with an EIN.

You'll need at least 6 months of business history and $2,500 per month in revenue to qualify. Capital on Tap still evaluates your overall credit profile during the application, even though it doesn't require a traditional personal guarantee. This hybrid approach sits between a fully EIN-only corporate card and a standard business credit card.

Stripe Corporate Card

Annual Fee

$0

APR

N/A

Foreign Transaction Fees

N/A

Rewards

Cashback

Pros & Cons

Pros:

• Approval is based on your business’s financial health rather than personal credit
• International purchases won’t incur additional charges, saving money on global spending
• Cashback on eligible purchases without complicated redemption processes

Cons:

• Only select businesses are eligible to participate in the corporate card program
• Fees on certain transactions can diminish the overall benefit of cashback rewards
• Cashback rates remain flat regardless of spending categories

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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 with no category restrictions. The card integrates directly with Stripe's payment platform, so you get the most value if you already use Stripe.

The cashback structure is flat, with no category-specific bonuses or travel perks. If you're not already in the Stripe ecosystem, you may find the card less useful than alternatives with broader integrations.

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 separates your personal finances from your business. You avoid personal liability for business debts, and EIN-only cards are among the few 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. If you have bad credit, you might want a credit card with just an EIN. In that case, you wouldn't have to worry about being denied based on your personal credit history.

Your business credit score is directly tied 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.

Can you get a business credit card without an SSN?

It's possible to get a credit card with only an 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 using just your EIN, with no personal SSN required.

If you're an international founder without an SSN, you have additional options. Several corporate card providers, including Ramp, accept a passport and proof of US address in place of an SSN. You may also be able to use your individual taxpayer identification number (ITIN), or tax ID, in the application process.

How to qualify for an EIN-only business card

Most EIN-only corporate cards share a core set of qualification requirements. You'll typically need an established business entity (LLC, corporation, or LP), at least 1 year of operating history, substantial revenue, and $20,000 to $50,000 or more in a business bank account. If you're a sole proprietor, you generally won't qualify for EIN-only corporate cards.

Here's how the requirements compare to traditional business credit cards:

If you're a startup that doesn't meet these thresholds yet, start with secured cards or vendor accounts to build business credit. From there, you can work toward EIN-only corporate card eligibility.

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.

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.

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

Why most EIN-only cards are corporate charge cards

Traditional business credit cards from banks like Chase and American Express require an SSN and personal guarantee because banks consider small businesses high-risk borrowers. Without a track record, the bank wants a personal backstop if the business can't repay.

Corporate charge cards take a different approach. They evaluate your company's cash reserves, revenue, and operating history to determine whether you qualify. Because the business itself is the borrower (not the individual owner), there's no personal credit check and no personal liability.

The trade-off is higher qualification thresholds. Most EIN-only corporate cards require $20,000 to $50,000 in a business bank account, established revenue, and at least 1 year of operating history. You also can't carry a balance, since charge cards require full monthly payment.

Pros and cons of credit cards with EIN only

EIN-only credit cards are a strong option if you want a card with no credit check, but they come with trade-offs”

Pros:

• Finance separation: Using an EIN rather than your personal SSN keeps your business credit score separate from your personal credit score
• Business credit: Cards that use your EIN usually report to the business credit bureaus, meaning that you can build your business credit score
• Credit limits: EIN-only cards often come with higher credit limits, as long as your business can prove it's bringing in substantial revenue each month

Cons:

• Higher qualification thresholds: Most EIN-only cards require $20,000–$50,000+ in a business bank account and established revenue
• Charge card structure: You can't carry a balance, and full payment is due each billing cycle
• Limited availability: Only a handful of issuers offer truly EIN-only cards, narrowing your options

How to maximize rewards with your EIN-only business card

Getting approved is just the first step. The real value comes from using your card strategically:

• Match your card to your spending patterns: If your business spends heavily on software or advertising, look for cards with category multipliers or partner discounts
• Put recurring expenses on your card: Monthly subscriptions, cloud services, and regular vendor payments add up fast, and routing them through your corporate card means you earn rewards on spend that's already happening
• Consolidate your business spend: Splitting purchases across multiple cards dilutes rewards and complicates expense tracking
• Stack discounts with cashback: If your card offers exclusive vendor discounts, combine those savings with the rewards you earn on every purchase

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 the IRS EIN application.

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. 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, 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.

Small business credit cards that are EIN-only

Corporate credit cards are the only business cards that require just an EIN, but most require substantial annual revenue and large cash reserves. If you're a small business owner, you likely won't meet those capital requirements.

Fintech providers offer cards with lower thresholds and more flexible approval criteria. These are some of the best options if you're running a smaller operation:

• Ramp built its corporate business credit card for small to mid-sized teams
• Some fintech corporate cards offer free and paid tiers if your team has one to 10 employees
• If you run an e-commerce store on Shopify, their no-credit-check business card might work well for you
• Business gas cards (fleet cards) work if your business manages over five vehicles and you need to track driver expenses, but rewards are typically lower than business gas credit cards
• The iO Card's primary requirement is maintaining an average cash balance of roughly $25,000 in your Mercury account. It's a flat-rate cash back that doesn't require a personal guarantee.
• The Square Credit Card doesn't directly check your personal credit history; its eligibility is based on the sales volume you process through the Square platform.

If you're an LLC looking for an EIN-only corporate card, you're in luck: all major corporate card providers (including Ramp, BILL Divvy, and Stripe) accept US-incorporated LLCs. You'll need a formal business entity registered with the state, a US EIN, and a business bank account that meets the provider's minimum balance requirement.

If you're a sole proprietor, you typically can't get EIN-only corporate cards because these cards require a formal business entity structure. Instead, consider starting with a secured business credit card or opening vendor accounts that report to business credit bureaus. These options let you build business credit over time and eventually qualify for an unsecured corporate card.

Types of EIN-only business credit cards

The type of EIN-only card that works best depends on your spending patterns and business structure.

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 SSN isn't necessary for corporate credit cards, so you can get a business credit card with just your EIN number.

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.

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.

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.

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.

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.

How to build business credit with an EIN

You can build business credit with your EIN by opening tradelines that report to business credit bureaus (corporate cards, vendor accounts) and paying them on time. The process takes patience, but consistent activity builds a credit profile that lenders trust.

1. Get your EIN from the IRS: You can apply for free on the IRS EIN application page, and your EIN serves as the foundation of your business credit identity
2. Get a D-U-N-S Number from Dun & Bradstreet: This free nine-digit identifier connects your payment activity to your business credit file at Dun & Bradstreet's D-U-N-S request page
3. Open business tradelines that report to credit bureaus: EIN-only corporate cards, net-30 vendor accounts from suppliers like Uline, Grainger, or Quill, and business lines of credit all count
4. Pay every tradeline on time or early: Payment history is the single most important factor in business credit scores, and late payments can stay on your report for years
5. Monitor your business credit with the major bureaus: Check your reports with Dun & Bradstreet, Equifax Business, and Experian Business regularly, since errors are common and catching them early protects your score.

It typically takes 90 to 120 days for new tradelines to appear on business credit reports. With consistent on-time payments, you could have a solid business credit profile within about 1 year.

One nuance worth knowing: business credit bureaus use their own identifiers to track credit history. Dun & Bradstreet uses the D-U-N-S Number, not your EIN. Your EIN identifies your business to the IRS, but the D-U-N-S Number is what connects your payment activity to your credit file.

Alternatives to EIN-only business 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.

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.

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.

How WizeHire sped up month-end close by 58% using a Ramp card with EIN only

WizeHire, a growing HR-tech firm, needed a better way to manage spend as they scaled, without relying on personal credit. Using Ramp's EIN-only corporate card, they unlocked faster and more secure finance operations, without involving employee Social Security numbers. Before switching, all spend was funneled through one shared AMEX, which resulted in limited control, significant receipt chasing, and expensive net-12 closes.

Ramp allowed WizeHire to issue cards to individuals, impose real-time limits, and enforce automated spend controls. That switch drove a dramatic impact: WizeHire went from a 12-day to a 5-day close, shaving 58% off month-end timeline, and fully automated their reconciliation tied to their ERP. "With Ramp, it was all perfectly furnished... it was just an incredible experience," said CEO Sid Upadhyay.

Ramp's automated spend controls delivered:

• 58% faster month-end close–reduced from 12 to 5 days
• Sharpened expense reporting with employees empowered to spend within pre-set budgets
• Full audit readiness, with receipts automatically matched and tied to ERP
• Department-level granularity, enabling near real-time P&L visibility and faster ad-spend analysis
• Seamless expense-backed contract negotiation, as Ramp-based budgets informed Intercom renewal talks

WizeHire's transition to Ramp checked several boxes for EIN-only financing: no SSN required, corporate spend separated from personal credit, and scalability for issuing multiple cards. The result? A finance stack that supports autonomy, accelerates decisions, and frees up cash flow to reinvest in growth.

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

Ramp's corporate business credit cards give you cashback rewards and credit limits up to 30x higher than traditional banks. You also get access to over $350,000 in partner perks from vendors like AWS, QuickBooks, and HubSpot. You can use Ramp at any merchant while building your business credit score.

You can also issue unlimited virtual credit cards to employees with custom spending limits by vendor, category, or transaction. Every purchase flows into Ramp's expense management tools, so you get real-time visibility into company spend without chasing receipts or reconciling spreadsheets.

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