Which startup business credit cards don’t require a credit check?

A credit check is when a lender pulls your credit report to assess how risky it is to lend you money. Most traditional business credit cards rely on this step, which can be a roadblock if you haven’t established credit yet.

Business credit cards with no credit check can help you get started without the usual barriers. These cards don’t require a review of your personal or business credit score during the application process, making them a smart option if you're building credit from scratch or recovering from past challenges.

How a business credit card with no credit check works

Business credit cards with no credit check don’t rely on your credit history to approve you. Instead, they evaluate real-time business data like revenue and cash flow. This makes them accessible to small business owners with no established credit.

1. Application without a credit pull

You apply for this business credit card using your EIN, business bank account, and proof of revenue. The issuer doesn’t run a personal or business credit check. Instead, they assess financial health based on your cash balance, sales volume, or linked platform accounts like Stripe, Shopify, or Amazon.

2. Instant underwriting based on cash flow

Many issuers offer instant decisions by reviewing your connected accounts. Some set a minimum requirement (e.g., $5,000–$25,000 in a business bank account). Others look for consistent sales history to determine eligibility and set your credit limit.

3. Issuance of virtual or physical cards

Once approved, you receive virtual cards immediately and can order physical ones. You can create multiple employee cards with custom spending limits and category restrictions.

4. Daily or monthly repayment structure

These cards usually operate as charge cards, where you can spend up to your approved limit, but you must repay in full, either daily or monthly, depending on the provider. This structure helps prevent interest charges and keeps your balance under control.

5. Automated spend management

Most cards come with built-in expense tracking, receipt capture, and accounting integrations. This gives you real-time visibility into spending, helping you manage budgets without manual work.

6. Business credit building

When you use the card and repay on time, the issuer reports your activity to business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business. This helps establish a credit profile that improves your chances of getting business loans or higher credit limits later.

Things to consider before applying for startup business credit cards with no credit

Before you apply for a startup business credit card with no credit check, you need to understand how the issuer evaluates your business. Even without a credit score, approval isn’t automatic. Each provider has its own risk models, underwriting criteria, and operational requirements.

• You still need financial proof, even without a credit score. These cards don’t check your credit, but they do review your financial activity. Issuers evaluate your business based on real-time data like cash flow, revenue, and banking history. Many require a minimum balance in your business bank account or proof of steady sales through platforms like Stripe or Shopify. If your business is pre-revenue or inconsistent with cash, you may not qualify.
• These are charge cards, not revolving credit cards. Since these are charge cards, you’ll need to repay your balance in full on a regular schedule, usually daily or monthly. You can’t carry a balance, and you won’t accrue interest. This helps protect your business from debt, but it also means you need to manage cash flow carefully to avoid disruptions.
• You might pay a monthly or annual fee. Instead of charging interest, some issuers charge a flat monthly membership fee. For example, Nav Prime costs $49.99 per month. Other cards may be free but offer fewer features. You should only pay for a card if the value, like credit reporting, tools, or integrations, supports your business needs.
• Check which credit bureaus the card reports to. Not all cards help you build business credit. The card must report to commercial credit bureaus to establish your business credit profile. Using the card won’t strengthen your credit file if it doesn't report.
• You must link your business bank account. Approval and credit limit decisions are based on your actual account activity. Issuers require you to connect your business checking account to review deposits and enforce repayment. Your credit limit may automatically adjust if your account balance drops or revenue declines.
• These cards are best for short-term, recurring business expenses. No-credit-check cards are built for operating spend, not long-term borrowing. Use them for software subscriptions, team travel, marketing, or vendor payments. With predictable repayment schedules and real-time tracking, you can keep spending aligned with your revenue cycle.
• Rewards and perks vary by provider. Some cards, like Ramp, offer flat-rate cashback, while others focus on financial tools and credit-building. If perks are important, look for a provider that balances both. However, the biggest benefit of these cards is access and control, especially for newer businesses.
• Your business type and location matter. Most providers require that you’re an LLC, C-Corp, or S-Corp and that you operate in the U.S. You’ll also need a valid EIN. Some cards aren’t available in specific states, so check eligibility before applying.
• Credit limits are dynamic. Your available spending adjusts based on your business activity. This means your limit can increase as your revenue grows. Dynamic limits help you scale while protecting you from overspending without relying on a static credit score.

Startup business credit cards that don’t require a credit check

1. Ramp Business Credit Card: Ramp’s business credit card stands out for startups that want fast access to capital without sacrificing control. No personal credit check or guarantee is required. You just need an EIN and $25,000 in a business bank account. Beyond unlimited virtual and physical cards, Ramp offers advanced spending controls at the employee or vendor level, real-time alerts, and daily limits to prevent overspending.

The platform automates receipt capture, matches transactions, and integrates with major accounting tools, including QuickBooks and Xero. Ramp also includes corporate travel booking, policy enforcement, and AI-generated insights to flag savings opportunities. With cashback on all purchases and zero fees, it’s a financial tool that simplifies spend management while helping early-stage teams stay lean and efficient.

Ramp Business Credit Card

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Get started for free

Annual Fee

$0

APR

N/A

Foreign Transaction Fees

$0

Rewards

Cashback

Pros & Cons

Pros:

• Higher credit limits: Ramp offers credit limits up to 30 times higher than traditional business credit cards. That’s because Ramp bases your credit limit on factors like revenue and dollars raised rather than just your business credit score.
• Flexible ways to qualify: Ramp uses connections to some of the biggest commerce platforms in the industry, including Stripe, Shopify, and Amazon, to underwrite credit limits for startups using their sales data. Your business only needs a year of sales history on commerce platforms to be evaluated, allowing you to unlock growth for your startup faster.
• Exclusive partner rewards: Ramp cardholders can access over $350,000 in rewards from a massive list of partners. Get exclusive discounts, credits, and other perks for business essentials like UPS, Amazon Business, AWS, and QuickBooks, plus SaaS providers like OpenAI, Notion, HubSpot, and more.
• Simpler spend control: Enforce your company expense policy with custom spend controls. Ramp lets you set vendor, category, and transaction limits at the individual card level and automatically flags any suspicious or out-of-policy spending.
• More than just a business credit card: When you qualify for Ramp’s business credit card, you get access to a full suite of finance tools. Advanced expense management features, financial reporting, accounting integrations, corporate travel booking, and accounts payable automation are all part of the package.

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 ar not supported.

View full details

2. BILL Divvy Corporate Card: The eligibility for a BILL Divvy Corporate Card is based on business financials, typically requiring at least $20,000 in a business bank account and a good to excellent business credit score. The card offers credit lines ranging from $1,000 to $5 million, depending on your company's financial health.

Divvy provides both physical and virtual cards with customizable spend controls, enabling you to set budgets by team, department, or project. The integrated expense management software automates receipt capture and categorization. Unlike other options, BILL does require a credit check for approval. But it’s only a soft credit check, so it won’t affect your credit score.

3. OpenSky® Secured Visa® Credit Card: The OpenSky® Secured Visa® Credit Card requires no credit check or bank account to apply. You choose your credit limit by placing a refundable deposit between $200 and $3,000. The card reports to all three major credit bureaus, helping you build a credit profile with consistent on-time payments. It has a $35 annual fee and a 24.64% variable APR.

There are no rewards or signup bonuses on this business credit card. You can make payments and deposits using non-traditional methods like money orders or wire transfers. After six months of responsible use, you may qualify for an upgrade to an unsecured version. This card can help startups begin establishing credit history when traditional business credit cards are out of reach.

4. Stripe Corporate Card: The Stripe Corporate Card is a no-fee charge card designed for startups already using Stripe. No personal credit check or guarantee is required. The approval is based on your business's Stripe account history and revenue. Startups earn unlimited 1.5% cashback on every purchase, with funds automatically applied to the account balance.

The card integrates directly with Stripe’s dashboard for real-time expense tracking, receipt capture, and spend visibility. There are no annual, late, or foreign transaction fees. While the card is invite-only and requires full monthly repayment, it offers an easy, credit-check-free way for Stripe users to access business credit and manage expenses. It’s built for speed, simplicity, and scalability.

5. Nav Prime Card: The Nav Prime Card is a charge card built specifically for startups aiming to build business credit without a credit check, personal guarantee, or security deposit. Offered through a $49.99/month Nav Prime membership, the card reports both your membership and card activity to major business credit bureaus, helping establish credit faster. It connects to your business bank account and uses daily autopay to ensure responsible repayment.

You also get access to detailed business and personal credit reports to track progress. While it doesn’t offer rewards, the card’s focus on credit building makes it valuable for early-stage companies trying to establish financial credibility. It's not available in a few states, but for most startups, it's a straightforward way to grow business credit.

Alternatives to startup business credit cards with no credit

If you don’t meet the cash or revenue requirements, need longer repayment terms, or want to access a different type of funding, there are other tools worth considering for financing your business. These alternatives can help you manage expenses and access capital, each with its own structure.

Secured business credit cards

A secured business credit card requires you to place a refundable deposit, which usually becomes your credit limit. If you deposit $1,000, your spending limit will be $1,000. These cards work like regular credit cards. You can use them for purchases and must pay your monthly balance. Most issuers report your payment history to business or personal credit bureaus.

This is a strong option if you’re just starting out and can’t qualify for unsecured credit. It gives you full control over how much you borrow and helps build a credit profile with responsible use.

However, your credit limit won’t increase unless you add to that deposit or qualify for an upgrade.

Vendor credit (Net-30, Net-60, Net-90 Accounts)

Vendor credit allows you to buy now and pay later, usually within 30, 60, or 90 days. For example, if you order office supplies on Net-30 terms, you have 30 days to pay the invoice without interest.

Vendors like Uline, Quill, and Summa Office Supplies offer these terms and report your payment history to business credit bureaus. This helps you build trade credit, which is a major factor in your business credit score.

This type of credit is ideal for businesses that make regular inventory or supply purchases. It’s also one of the easiest ways to establish a credit record without using a traditional card.

Approval is often based on your business entity and EIN number, not your credit score. However, you may still need to pass a basic verification process.

Business lines of credit

A business line of credit gives you access to a flexible pool of funds. You can draw from the line as needed and only pay interest on what you use. Think of it like a credit card but with the ability to access cash.

Many online lenders offer business lines of credit based on your revenue instead of credit score. They’ll typically evaluate your monthly deposits and average balance to decide your limit.

This is a good option for startups with consistent revenue that need occasional cash to cover short-term gaps. It’s not a fit for one-time large purchases or long-term borrowing.

Microloans

Microloans are small loans (typically $500–$50,000) offered by nonprofit organizations, community lenders, and CDFIs. These lenders focus on supporting early-stage or underserved businesses. Their approval process often considers your business plan, personal background, and potential impact.

Popular sources include the SBA Microloan Program, Accion Opportunity Fund, and Kiva. Some charge low interest rates and offer repayment terms of 6 months to several years.

Microloans work best if you need seed funding and don’t have access to traditional banks. But be prepared to provide financial documents, a clear business plan, and sometimes a personal guarantee.

Revenue-based financing (merchant cash advances)

Revenue-based financing offers upfront capital in exchange for a percentage of your future sales. The lender reviews your revenue history, typically from bank deposits or payment processors, and provides funding based on your cash flow.

You repay the amount as a fixed percentage of daily or weekly sales. The faster you earn revenue, the faster you pay it off.

This is useful if you have strong and consistent revenue but don’t qualify for traditional loans or credit cards. It works well for e-commerce and retail businesses with predictable sales cycles.

However, it’s not cheap. This type of financing can carry high fees, so make sure the repayment terms fit your margins and cash flow.

Streamline business finances with corporate cards that don’t require a credit check

Small business credit cards with no credit check remove the typical barriers to access. You don’t need a personal credit score, guarantee, or security deposit. All you need is a business bank account and strong cash flow.

Ramp’s corporate card is one example. It offers fast approval based on real-time business performance, not credit history. Once approved, you get access to built-in spend controls, unlimited employee cards, and real-time expense tracking.

Cards like Ramp are designed to simplify startup money management. They help you stay organized, control spending, and build business credit from day one. They're a smarter way to run your company.

At Ramp, transparency and integrity are core values guiding our content. We believe in the exceptional value of our products, which may shape our perspective. Our methodical approach involves competitor analysis, comparison of credit cards, and frequent reviews to maintain reliability. Review our full methodology for choosing the best business credit cards.