7 Best Startup Business Credit Cards With No Credit Check
Starting a business is hard enough – you don’t need the added stress of worrying about your credit score. So, I’ve compiled a list of the best startup business credit cards with no credit check.
These cards are perfect for new businesses, as they don’t require a credit check and come with various features that help manage your expenses and grow your business.
So, without further ado, here are my top seven picks for the best startup business credit cards with no credit check!
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Startup Business Credit Cards With No Credit Check
1 Chase Ink Business Unlimited® Credit Card: Best Overall Credit Card, No Annual Fees
Annual Fee: $0
Credit Score: FICO credit score of 670 or above
Intro APR (Annual Percentage Rate): 0% intro APR on Purchases for 12 months
Regular APR: 14.74%-20.74% Variable APR
Chase Ink Business Unlimited® Credit Card is our top pick for the best business credit card with no annual fee and no credit check. In addition, this card offers unlimited 1.5% cash back on every purchase, which is rare for a business credit card.
You’ll also get a sign-up bonus of $750 after you spend $7500 in the first three months from account opening. Plus, there’s a 3% foreign transaction fee, so this is an excellent choice for businesses that do a lot of travel.
If you’re hunting for a business credit card with no annual fee and no credit check, the Chase Ink Business Unlimited® Credit Card is a great option.
Features:
-Chase Ink Business Unlimited Credit Card offers a $750 sign-up bonus after you spend $7500 on purchases in the first 90 days from account opening.
-This card offers 0% APR for 12 months on purchases and balance transfers, and then the ongoing APR of 14.74% – 20.74% Variable.
-There is a 3% foreign transaction fee.
-Chase Ink Business Unlimited Credit Card comes with many perks, including access to Chase Ultimate Rewards, which offers a variety of redemption options, including cash back, gift cards, travel, and more.
-There is also no annual fee with this card.
Click here to check out Chase Ink Business Unlimited® Credit Card!
2 American Express Blue Business Cash™ Card: Best For Easy Cash Back Rewards, Best For Getting An Approval Decision In Less Than 30 Seconds
Annual Fee: $0
Credit Score: FICO® Score of at least 670
Intro APR (Annual Percentage Rate): 0% intro APR on Purchases for 12 months
Regular APR: ongoing APR of 14.74%-22.74% Variable APR
If you’re looking for a business credit card with excellent cash back rewards and an easy approval process, the American Express Blue Business Cash™ Card is a great choice.
With no annual fee and a 0% APR introductory offer on purchases and balance transfers for the first 12 months, this card is perfect for small business owners who are just starting. When you apply online, you can get an approval decision in as little as 30 seconds.
So, why are you waiting? Apply for the American Express Blue Business Cash™ Card today and start earning cash back on all of your business expenses. From office supplies to travel, you’ll be able to earn rewards on everything you need to run your business.
Features:
-No annual fee
-0% APR on purchases and balance transfers for the first 12 months
-Earns two points per dollar on business expenses (up to $50,000 per year)
-One point per dollar on everything else
-Redeem points for cash back, gift cards, and travel
-Employee cards at no additional cost
-No foreign transaction fee
If you’re a small business owner looking for a credit card with excellent perks and no annual fee, the American Express Blue Business Cash™ Card is a great option.
Click here to check out American Express Blue Business Cash™ Card!
3 American Express Blue Business® Plus Credit Card: Best For Flexible Points Rewards, Best For Long 0% Intro Apr
Annual Fee: $0
Credit Score: FICO® Score of at least 690
Intro APR (Annual Percentage Rate): 0% intro APR on Purchases for 12 months
Regular APR: ongoing APR of 14.74%-22.74% Variable APR
The American Express Blue Business® Plus Credit Card is one of the market’s best startup business credit cards. It offers a 0% intro APR on purchases and balance transfers for 12 months (then, 14.74%-22.74% Variable), and there is no annual fee.
You’ll also earn two Membership Rewards® points per $ spent on eligible purchases made with the card. In addition, there are no foreign transaction fees, and you’ll get free employee cards to help you manage your business expenses.
This feature is an excellent option for businesses just starting and looking to build their credit history.
Features:
-No annual fee
-Earns two Membership Rewards points per dollar on the first $50,000 spent each year, and one point per dollar after that
-0% intro APR on purchases and balance transfers for 12 months; then a variable rate, currently 14.74%-22.74%
-No foreign transaction fees
Click here to check out American Express Blue Business® Plus Credit Card!
4 Chase Ink Business Preferred® Credit Card: Best For Earning High Introductory/ Welcome Rewards
Annual Fee: $95
Credit Score: A FICO® Score of 670 or higher
Intro APR (Annual Percentage Rate): –
Regular APR: Regular APR 17.49%-22.49% Variable APR
Chase Ink Business Preferred® Credit Card is an excellent choice for businesses looking for a credit card with no annual fee.
This card offers a 0% APR on purchases and balance transfers for the first 15 months, and it has a rewards program that lets you earn points on every purchase.
You can also get up to $600 in cash back each year, and there is no limit to the number of points you can earn. Chase Ink Business Preferred® Credit Card is an excellent choice for businesses looking for a credit card with no annual fee.
Features:
-No interest for the first 20 months
-Access to a wide range of business services and perks
-No annual fee
-You can redeem points you earn on every purchase for cash back, travel, or gift cards
-Enjoy peace of mind with fraud protection and extended warranty coverage
Click here to check out Chase Ink Business Preferred® Credit Card!
5 Capital One® Spark® Classic For Business: Best Card For Fair Credit With No Annual Fee, Best For Making The Safest Payments Online
Annual Fee: $0
Credit Score: A FICO® Score of between 670 and 739
Intro APR (Annual Percentage Rate): –
Regular APR: 26.99% variable APR
If you’re looking for a business credit card with no credit check, the Capital One® Spark® Classic For Business is a great option. This card offers 0% APR on purchases and balance transfers for the first nine months, and there’s no annual fee.
You’ll also earn unlimited rewards on every purchase, which you can redeem for cash back, gift cards, or travel. There’s also a sign-up bonus of $200 cash back when you spend $500 in the first three months.
If you are hunting for a business credit card with no annual fee and earn unlimited rewards on every purchase, the Capital One® Spark® Classic For Business is an excellent option.
Features:
-No credit check is required
-Earn unlimited cash back on every purchase
-No annual fee
-24/seven fraud monitoring and online account management tools
-Access to a dedicated business credit line manager
Capital One® Spark® Classic For Business is one of the best startup business credit cards with no credit check. It’s perfect for starting businesses because it offers unlimited cash back on every purchase, has no annual fee, and provides access to a dedicated business credit line manager.
Click here to check out Capital One® Spark® Classic For Business!
6 Brex Corporate Card For Startups: Best For Travel Rewards
Annual Fee: $0
Credit Score: –
Intro APR (Annual Percentage Rate): –
Regular APR: –
Brex Corporate Card is one of the best startup business credit cards with no credit checks. With Brex, you can get a corporate card with no personal guarantee or security deposit. Plus, there are no foreign transaction fees, and you can earn up to four points per dollar spent.
If you’re searching for a business credit card with no credit check, Brex is an excellent option. With Brex, you can get a corporate card with no personal guarantee or security deposit. Plus, there are no foreign transaction fees, and you can earn up to four points per dollar spent.
Brex is an excellent choice for startups because it offers flexibility and rewards. With Brex, you can get a corporate card with no personal guarantee or security deposit. Plus, there are no foreign transaction fees, and you can earn up to four points per dollar spent.
If you’re looking for a business credit card that offers rewards and flexibility, Brex is an excellent choice.
Features:
-No personal guarantee or credit check is required
-Earn up to $100,000 in rewards your first year
-No foreign transaction fees
-No annual fee
The Brex Corporate Card is one of the market’s best startup business credit cards. With no personal guarantee or credit check required, it’s perfect for starting businesses.
Click here to check out Brex Corporate Card!
7 First National Bank Business Edition® Secured® Visa Card: Secured Credit Card To Build Business Credit History With Credit Limit Up To $100,000
Annual Fee: $39
Credit Score: –
Intro APR (Annual Percentage Rate): –
Regular APR: Variable 20.24% APR on purchases
This business credit card is ideal for startups because no credit check is required, unlike a personal credit card. You can deposit what you need as collateral, and your credit limit will equal that amount.
So, if you need a $5000 credit limit, you just need to deposit $5000 into the account. The best thing about this card is that it has a very competitive APR of only 14.49%.
This card also offers a 0% intro APR on purchases for the first six months, which is excellent if you need to make a large purchase for your business immediately. In addition, there are no annual or foreign transaction fees, so you can use this card anywhere in the world without worrying about those extra charges.
Overall, this is a great business credit card for startups because it is effortless to get approved and has some great features that can help your business save money.
Features:
-No credit check is required to qualify for this card
-Enjoy a 0% APR on purchases and balance transfers for the first 12 billing cycles
-Earn rewards points on every purchase, which you can redeem for cash back, merchandise, or travel
-Get automatic insurance coverage on your business equipment and inventory purchases
Click here to check out First National Bank Business Edition® Secured® Visa Card!
How To Pick A Credit Card For Your Small Business
1. Annual Fee:
The Annual Fee is the first thing you should look at when choosing a credit card for your small business.
Many cards come with no annual fee, which can be an excellent benefit for your business. However, some cards have a yearly fee, so you’ll need to decide if the help of the card is worth the cost.
2. Rewards and Perks:
One of the most important things to look for in a business credit card is rewards and perks. For example, does the card offer cash back on purchases? What about travel rewards? These are essential factors, especially if you often travel for business purposes.
Another perk to look for is 0% APR introductory periods. This aspect can be beneficial if you need to make a large purchase for your business and don’t want to pay any interest in it.
Finally, some business credit cards offer sign-up bonuses. These can be anything from cash back to points you can redeem for travel or other purchases. Finding a card with an excellent sign-up bonus can be a great way to get started with your new business credit card.
3. Minimum Credit Required:
One of the most important factors to consider when choosing a business credit card is the minimum credit required. This aspect is critical if you have bad credit or no credit history.
In addition, many business credit cards require a personal guarantee, which means you will be held responsible for any debt incurred on the card. Therefore, choosing a business credit card with a low minimum credit requirement is best if you have bad credit.
4. Welcome Offer or Sign-Up Bonus:
Most business credit cards offer a welcome or sign-up bonus to encourage new cardholders to use their card. This aspect could be in the form of cashback, points, or miles.
If you think you will spend enough to meet the minimum spending requirements within the allotted time frame, then go for it! Make sure you can pay off your balance in full and on time to avoid paying interest or fees.
5. Interest Rates
Another factor to consider when choosing a business credit card is the interest rate. You can qualify for a lower interest rate if you have good credit.
However, they will likely charge a higher interest rate if you have bad credit. Therefore, it is essential to compare rates before choosing a business credit card.
How To Obtain A Startup Credit Card Without Credit
A. Take A Secured Business Credit Card:
A great way to obtain a business credit card without any personal credit check is to take a secured business credit card.
With secured credit cards, you’ll be able to put down a deposit that will serve as your line of credit. This feature is an excellent option for those with limited or no personal credit history.
B. Get A Business Credit Card Through A Small Business Association:
If you’re a small business owner, you may be able to get a business credit card through the Small Business Administration (SBA).
The SBA has partnered with several banks and financial institutions to offer business credit cards to qualified applicants. To qualify, you’ll need a solid personal credit history and a good business credit score.
C. Look For Business Credit Cards That Don’t Require A Personal Guarantee:
Another option for those with limited or no personal credit history is to look for business credit cards that don’t require a personal guarantee. With these cards, you won’t be held personally responsible for any debts incurred by your business.
However, these cards typically have higher interest rates and fees than traditional business credit cards.
D. Apply For A Business Credit Card With A Co-Signer:
If you don’t have any personal credit history, you may still be able to get a business credit card by applying with a co-signer.
This option allows you to piggyback off another person’s good credit, typically a friend or family member. Remember that if you default on the card, the co-signer will be responsible for the debt.
E. Build Your Personal Credit First:
One of the best ways to eventually get a business credit card without a personal credit check is to first focus on building your credit.
You can build this credit score by paying your bills on time, maintaining a good credit utilization ratio, and using various credit products.
Then, once you have a solid personal credit history, you’ll be in a much better position to get approved for a business credit card.
How To Create A Credit History With A Credit Card
1. Pay On Time:
One of the best ways to create a credit history is to make all your payments on time. This regularity shows lenders that you’re responsible with your money, and the card company can trust you to repay your debts.
2. Keep Balances Low:
Another way to make sure you look like a responsible borrower is to keep your credit card balances low. Lenders prefer to see that you’re not using all of your available credit because it shows that you can manage your money wisely.
3. Pay More Than The Minimum:
When you have a balance on your credit card, pay more than the minimum monthly payment. This aspect shows lenders that you’re serious about repaying your debt and not just making the minimum payment to keep your account in good standing.
4. Use a Mix of Credits:
Lenders also like to see that you’re using different types of credit, such as revolving credit (like credit cards) and installment loans (like auto loans). This usage shows them that you can handle different types of debt responsibly.
5. Keep Old Accounts Open:
If you have an old credit card that you no longer use, keeping the account open and active is beneficial. Keeping an old card active lengthens your credit history, which is suitable for lenders.
6. Don’t Open Too Many New Accounts at Once:
While mixing different types of credit is good, you don’t want to open too many new accounts simultaneously. Lenders can see opening many accounts as a red flag, indicating that you’re struggling to manage your money.
7. Monitor Your Credit Report:
It’s essential to keep an eye on your credit report to ensure that there are no errors and that you get accurate reports of your information. You can get a free copy of your credit report from each of the three major credit bureaus once per year.
By following these tips, you can create a strong credit history that will benefit you in the long run.
Tips To Make The Most From A Business Credit Card
Tip #1: Take Advantage Of Rewards:
Many business credit cards offer rewards like cash back, points, or miles. These can be a great way to save money on business expenses or earn rewards for future travel.
Be sure to read the fine print and understand the terms and conditions of each rewards program before signing up for a card.
Tip #2: Pay Your Balance In Full Each Month:
One of the biggest mistakes businesses make is monthly carrying a balance on their credit cards. Not only does this accrue interest, but it can also damage your business credit score. Pay your balance in full and on time each month to avoid this.
Tip #3: Use Your Credit Card For Business Expenses Only:
Using your business credit card for personal expenses can be tempting, but this is a quick way to get into debt and damage your credit score.
Instead, only use your business credit card for business-related expenses, and keep track of all spending so you can stay organized and on budget.
Tip #4: Monitor Your Credit Card Statement Closely:
Keep an eye on your monthly credit card statement, looking for suspicious or unauthorized charges. If you see anything out of the ordinary, report it to your credit card issuer immediately.
The Bottom Line
Business credit cards can be a great way to save money on business expenses and earn rewards for future travel.
However, it is essential to use them responsibly to avoid accruing debt or damaging your credit score. Pay your balance in full monthly, use your card only for business expenses, and monitor your statement closely for any suspicious activity.
With these tips in mind, you can be sure to make the most of your business credit card and use it to help grow your business.
FAQs
Q1. What’s The Best Credit Card For Startup Businesses?
There is no one-size-fits-all answer to this question, as the best credit card for startup businesses will vary depending on each company’s specific needs and goals.
However, some of the best credit cards for startups include the Chase Ink Business Cash℠ Credit Card, Capital One® Spark® Cash for Business, and the American Express® Blue Business℠ Plus Credit Card.
Q2. What Is The Best Business Credit Card With No Credit Check?
The best business credit card with no credit check is the American Express® Blue Business℠ Plus Credit Card. This card offers 0% APR on purchases and balance transfers for the first 15 months, and there is no annual fee.
Additionally, this card provides up to $50 in statement credits each year for eligible U.S. advertising and office supply purchases.
Q3. What Are Some Of The Best Business Credit Cards For Bad Credit?
Some of the best business credit cards for bad credit include the Capital One® Spark® Classic for Business and the Ink Business Cash℠ Credit Card from Chase.
These cards are designed for businesses with less than perfect credit and offer low annual fees, high credit limits, and rewards programs.
Q4. What Is The Best Business Credit Card For Travel?
The best business credit card for travel is the Capital One® Spark® Miles for Business. This card offers unlimited double miles on every purchase and no annual fee.
Plus, you can redeem your miles for cash back, gift cards, or travel expenses with no blackout dates or seat restrictions.
Q5. What Is The Best Business Credit Card For Cashback?
Chase’s Ink Business Cash Credit Card is the best business credit card for cash back. This card offers five percent cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each year.
There is also no annual fee and 0% intro APR on purchases and balance transfers for the first 15 months.
Q6. Can Startups Get Business Credit Cards?
Yes, startups can get business credit cards. There are several business credit cards specifically designed for startups.
Some of the best business credit cards for startups include the Chase Ink Business Cash℠ Credit Card, Capital One® Spark® Cash for Business, and the American Express® Blue Business℠ Plus Credit Card.
Q7. Can You Get A Business Credit Card If You Have An LLC?
Yes, you can get a business credit card with an LLC. Several business credit cards are specifically designed for businesses with an LLC structure.
Some of the best business credit cards for LLCs include the Chase Ink Business Cash℠ Credit Card, Capital One® Spark® Cash for Business, and the American Express® Blue Business℠ Plus Credit Card.
Q8. Do Business Credit Cards Help Your Credit Score?
Yes, business credit cards can help your credit score. By using a business credit card and paying your balance in full and on time each month, you can build positive payment history, which is one of the most significant factors in determining your credit score.
Additionally, business credit cards can help diversify your credit mix, positively impacting your credit score.
Q9. How Can I Use A Business Credit Card To Build My Credit?
You can use a business credit card to build your credit responsibly and pay your balance in full and on time each month.
Doing so can build positive payment history, one of the most significant factors in determining your credit score. Additionally, a business credit card can help diversify your credit mix, positively impacting your credit score.
Q10. What Are Some Of The Best Business Credit Cards For Bad Credit?
Some of the best business credit cards for bad credit include the Capital One® Spark® Classic for Business and the Ink Business Cash℠ Credit Card from Chase.
These cards are designed for businesses with less than perfect credit and offer low annual fees, high credit limits, and rewards programs.
Q11. What Is The Best Business Credit Card For Travel?
The best business credit card for travel is the Capital One® Spark® Miles for Business. This card offers unlimited double miles on every purchase and no annual fee.
Plus, you can redeem your miles for cash back, gift cards, or travel expenses with no blackout dates or seat restrictions.
Q12. How Do Small Businesses Establish Credit?
Small businesses can do a few key things to establish credit:
- It’s essential to have a well-organized financial plan and track record.
- Business owners should consider using personal credit cards or loans from friends or family members to build up their business credit history.
- Establishing relationships with vendors and suppliers willing to extend credit to small businesses is also a good idea.
By following these steps, small businesses can gradually build up their credit history and eventually qualify for traditional business loans from banks or other financial institutions.
Q13. What Is The Easiest Business Credit Card To Get?
There’s no surefire answer to this question, as business credit card issuers have different approval requirements. However, some cards are generally more accessible to small businesses and startups than others.
Some of the best business credit cards for startups with no credit checks include the Capital One Spark Classic for Business, the Ink Business Cash Credit Card from Chase, and the Blue Business Plus Credit Card from American Express.
If you’re just starting, it’s always a good idea to compare different business credit card offers to see which one is right for your needs. You can check out our complete list of the best business credit cards for startups.
Q14. What Credit Score Do You Need For A Business Credit Card?
There is no one-size-fits-all answer to this question, as the credit score required for a business card will vary depending on the lender and the type of card you are applying for. However, you will generally need a good to excellent credit score to qualify for most business credit cards.
If you have a good personal credit score, you should be able to qualify for most business credit cards. However, if you have a poor or limited credit history, you may still be able to qualify for some business credit cards, but your options will be more limited.
If you’re unsure of your credit score, you can check it for free on websites like Credit Karma or Annual Credit Report.
Once you know your credit score, you can start researching which business credit card suits you. Be sure to compare small business credit cards and their offers to find the one that best suits your needs.
Conclusion
There are a few key things to remember when looking for the best startup business credit card with no credit check:
- Make sure that the card doesn’t have an annual fee.
- Look for a card with a low-interest rate and a generous rewards program.
- Consider whether or not the card offers any special perks or benefits that could help your business.
By following these simple tips, you should be able to find the perfect business credit card for your needs.
Do you have a business credit card with no credit check? What are your thoughts on it? Let us know in the comments below!
Do you have any tips on how to establish business credit? Let us know in the comments below!
