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Having a bad credit score or no credit history can make it nearly impossible to get approved for a business credit card. Thankfully, some types of business credit cards don’t require a credit check, helping your company access financing with low creditworthiness.

This article will review some of the best business credit cards with no credit check and provide you with all the details you need to make an informed decision. We'll look at a range of features, benefits, drawbacks, and available small business credit card options.

How a business credit card with no credit check works

When you apply for a business credit card that doesn’t require a credit check, lenders judge your application against other factors, such as your business revenue and history. This makes them more accessible to those with less established credit scores.

The application process is usually much simpler than traditional credit cards and involves providing basic information, such as your business name, address, and contact details. Once approved, you can use your card immediately within a specified credit limit.

Instances where no credit check business credit cards are useful

A credit card with no credit check is ideal for business owners who don't have an established credit history or are looking to build business credit. Here are a few situations when these cards can be beneficial:

  • You need to build your business credit score
  • You want to get access to a higher credit limit
  • You need extra funds for business expenses
  • You’re starting a new business and need access to credit
  • You’re not eligible for traditional credit cards
  • You need to make purchases online or abroad
  • You want to spread the cost of purchasing equipment or supplies

Pros and cons of business credit cards with no credit checks

Before applying for a business credit card with no credit check, it’s important to understand the pros and cons. Here are some of the key benefits and drawbacks to consider:


  • Quick and easy application process
  • Accessible for those with little or no credit history
  • No credit check is necessary for approval
  • Low interest rates
  • Ability to build your business credit score over time


  • May require a personal guarantee
  • Lower credit limits than traditional cards
  • Fewer rewards and benefits than traditional cards
  • Some business credit cards with no credit check may require a higher minimum deposit as collateral

Best business credit cards with no credit check for startups

Ramp Card

Ramp's corporate card is an ideal choice for businesses that lack a credit history. You just need to have a registered business in the U.S. with an EIN number and $75,000 in a U.S. business bank account. Or, you may be eligible based on your sales data. The application process is quick and straightforward, and you’ll usually get a response within minutes.

The Ramp Card has no annual fees and offers 1.5% unlimited cashback rewards on purchases made in the U.S. You also won’t be charged any foreign transaction fees when using your card abroad. Ramp charge cards come with built-in expense management software, including features like receipt matching, custom spending and category limits on unlimited employee cards, and automated expense reports.


  • No personal guarantee required
  • Easy approval within minutes
  • Unlimited 1.5% cashback on U.S. purchases
  • No annual fees or foreign transaction fees
  • Reports to the business credit bureaus


  • You must have at least $75,000 in a business bank account to qualify
  • Only available for LLCs and corporations; not available for sole proprietors

Brex Card

The Brex Card is another corporate credit card that doesn't require a personal guarantee. Instead, eligibility and credit limits are determined based on your company's bank balance, expenses, and investors. The Brex Card comes with higher capital requirements than Ramp, unless you have a funded startup business.

Card features include expense management software, worldwide card acceptance, and a points-based rewards system. You can earn 1x points across transactions, with bonus points on eligible purchase categories like rideshare, travel, restaurants, and software. Just keep in mind that only purchases made in USD are eligible for rewards.


  • No annual fees or foreign transaction fees
  • No personal guarantee required
  • Initial bonus of 30,000 rewards points for spending $3,500
  • Reports to the business credit bureaus


  • High capital requirements, which may not be accessible to all businesses
  • Cardholders must maintain a cash balance of $25,000 or higher to access any credit limit

BILL Divvy Corporate Card

Like the other cards on this list, BILL Divvy is eligible to registered businesses with an EIN number and U.S. business bank account. It does require a personal credit check, but it's a soft inquiry. That means applying won't temporarily impact your credit report. Only fair credit is needed to qualify (a 650 FICO score), since other factors, like your cash on hand, are considered. BILL has a lower cash balance requirement of $20,000.

The BILL Divvy card comes with expense management software and points-based rewards. There's a base rate of 1 point on most purchases, with bonus points in categories like restaurants, hotels, and recurring software subscriptions. You can only earn bonus points on the first $5,000 spent per month, however. To earn rewards, you have to use 30% of your credit line in a given month, and you can lose all accumulated rewards if you don't use your card at all in a month.


  • No annual fees
  • Lower capital requirement of $20,000
  • Expense management software
  • Reports to the business credit bureaus


  • Soft personal credit pull
  • Fair to good personal credit score is required
  • Less generous rewards than other cards
  • Foreign transaction fees

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is designed for individuals looking to build their credit score. As a secured business credit card, OpenSky doesn't require a credit check for approval. To get started, you must provide a refundable security deposit, which becomes your credit limit. Unlike other cards on this list, a bank account isn't required to apply. You have the option to fund your credit line with a money order or through Western Union.

Card features include reporting to all three major credit bureaus, which can help you build a credit score more quickly. Additionally, OpenSky offers tools and educational resources to aid in financial management and credit building. However, it's important to note that this card comes with an annual fee, and the interest rates may be higher than some other options.


  • No credit check required for approval
  • Credit limit based on a refundable security deposit
  • Reports to all three major credit bureaus
  • Access to credit education and financial management tools


  • Annual fee required
  • Higher interest rates compared to some other cards
  • No rewards program or cashback incentives
  • Limited benefits beyond credit building

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Alternative options to consider for businesses with no credit check

If your business is seeking financing, there are several alternative options worth exploring. These options can provide opportunities for growth and financial stability without the need for a credit check. Plus, they offer ways to build business credit without using a credit card.

Trade credit

Trade credit allows businesses to make purchases on credit without requiring a credit check. By building a strong relationship with suppliers and consistently making timely payments, you can establish business credit and gain access to the essential resources you need to operate and expand.

Alternative lending

Another option is to seek out alternative lending sources such as online lenders or peer-to-peer lending platforms. These platforms often have more flexible lending criteria and may be willing to extend small business loans to businesses with no credit check.

Invoice factoring

Invoice factoring involves selling unpaid invoices to a third-party company in exchange for immediate cash. This can help businesses improve their cash flow and access funds without relying on credit.

Merchant cash advances

Merchant cash advances provide businesses with a lump sum of cash in exchange for a percentage of future sales. This option can be particularly beneficial if your business has a consistent stream of revenue.


Finally, businesses can consider establishing partnerships or joint ventures with other companies. By pooling resources and sharing risks, your business can access capital and resources without the need for a credit check.

Consider Ramp's corporate card with no credit check

Does your startup or small business need access to credit, but you don’t have the necessary credit score? Ramp is a corporate card and expense management platform with no credit check or personal guarantee required. Instead, our qualification process depends on the amount of capital you have in your business bank account, or you may be eligible for our sales-based underwriting.

Here are a few of the features you can expect from us:

  • Earn 1.5% unlimited cash back on all transactions.
  • Automate your expense policy and set custom spending limits on unlimited employee cards.
  • Don't worry about foreign transaction fees when using your card abroad.

Sign up for a Ramp card to manage your business finances and build your business credit score.

Get started today.
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Finance Writer, Ramp
Richard Moy has written extensively about procurement and vendor management topics for companies like BetterCloud, Stack Overflow, and Ramp. His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


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