Choosing the right business credit card can transform how entrepreneurs manage finances. Worried about a personal credit check impacting your score or lacking an established credit history? Good news—2025 offers excellent business credit cards that skip personal credit checks. This guide dives into the top options, their standout features, and how they can empower your business to grow, all without worrying about your personal credit.

Why Choose Business Credit Cards With No Personal Credit Check?

It’s important to understand why these types of credit cards are particularly useful:

1. Protect Your Personal Credit Score

Most traditional business credit cards require a personal credit check, which can result in a hard inquiry on your credit report, temporarily lowering your score. For individuals looking to safeguard their personal credit, no-credit-check business cards can be a smart choice.

2. Build Your Business Credit Profile

Separate your personal and business finances by building your business’s credit profile. Over time, you can qualify for higher credit limits and better terms, which will assist in scaling your business.

3. Accessible to Startup Owners or Those With Poor Credit

Whether you’re new to entrepreneurship or working to repair your personal credit, these cards allow financial flexibility without the barriers imposed by traditional credit checks.

Now that we’ve established why these cards matter, let’s look at the best options in 2025.

Top Business Credit Cards With No Personal Credit Check

1. Brex Business Card

Brex has established itself as a leader in providing no personal guarantee credit cards, offering businesses a seamless, reliable solution for managing expenses without risking personal financial liability.

Key Features:

• No Personal Guarantee: Brex doesn’t require a personal credit check to apply. Instead, approval is based on your business’s cash flow and financial records.
• Generous Rewards Program: Earn 8x on rideshare, 4x on restaurants, 3x on recurring software subscriptions, and 1x on everything else.
• Fee-Free: No annual fees, foreign transaction fees, or late payment fees.
• Powerful Management Tools: Access tools tailored for growing startups, including expense tracking and integrated accounting solutions.

2. Divvy Credit Card

Divvy is an all-in-one business expense management platform offering seamless tracking, budgeting, and built-in credit options to simplify spending and help businesses stay in control of their finances.

Key Features:

• Approval Based on Revenue: Similar to Brex, Divvy bases its approval process on your business’s revenue instead of traditional personal credit scores.
• Custom Credit Limits: Divvy offers flexible credit that aligns with your business's needs, offering higher credit limits as you grow.
• Automatic Categorization: Simplify bookkeeping with built-in categorization of expenses.
• Rewards Benefit: Earn points on spend categories like subscription services, restaurants, and utilities.

3. Sam’s Club Business Mastercard

The Sam’s Club Business Mastercard is ideal for businesses seeking simple credit solutions, offering retail-focused perks and practical benefits designed to meet everyday financial needs with ease and convenience.

Key Features:

• No Personal Credit Check for Members: Approval is based on your EIN (Employer Identification Number) rather than your Social Security Number.
• Cash Back Perks: Earn 5% cash back on gas, 3% at restaurants, and 1% on everything else.
• Low APR: Competitive variable rates help businesses maintain affordability.

4. Ramp Corporate Card

Ramp is a top-tier business credit card that doesn’t require a credit check, making it ideal for growth-focused companies seeking flexible spending solutions and streamlined financial management tools.

Key Features:

• No Personal Liability: Completely removes personal credit from the application process by focusing on your business’s financial strength.
• Flat 1.5% Cashback: Earn straightforward rewards with every purchase.
• Budget Management: Features built-in software for managing and automating budgets.
• Fee-Free: No annual fees or hidden charges.

5. Capital On Tap Business Credit Card

This UK-based company has expanded to the US, providing small businesses with accessible financial solutions. Their services aim to simplify finances and empower growth for entrepreneurs across both markets.

Key Features:

• No Hard Credit Checks: Approval is based on business profitability and operational history.
• Earn 2x Rewards: Enjoy 2x points per dollar spent on business purchases.
• Quick Approvals: Get approved in minutes and gain immediate access to funds.
• Easy Integration: Works seamlessly with accounting software like QuickBooks.

How to Apply for a Business Credit Card With No Personal Credit Check

Curious to get one of these game-changing credit cards? Follow these steps:

1. Use Your EIN: Consider applying with your business’s EIN instead of your Social Security Number. Ensure your business is properly registered, and check for up-to-date incorporation documents.
2. Have Solid Business Records: Lenders want to see financial stability in your business. Prepare bank statements, cash flow records, and other key financial documents showing a healthy business operation.
3. Evaluate Your Spending Needs: What categories will you spend the most on? Choose a card that offers rewards and benefits suited to your largest expense categories.
4. Maintain Good Payment History: Once approved, always pay balances on time to build a strong business credit profile.

Tips for Managing Business Credit

When it comes to managing business credit, there are a few tips that can help you maintain a strong credit profile and maximize the benefits of your business credit cards.

1. Keep track of expenses: It's important to keep track of all business expenses and separate them from personal expenses. This will not only make it easier to manage your finances, but it will also help in identifying areas where you can cut costs or improve efficiency.
2. Monitor your credit report: Regularly checking your business credit report can help in identifying any errors or fraudulent activities. It's important to address these issues immediately to prevent any negative impact on your credit score.
3. Use multiple cards strategically: It's a good idea to have multiple credit cards for your business to separate expenses and earn rewards. However, it's important to use them strategically and not overspend or carry high balances on any one card.
4. Negotiate with suppliers: Building strong relationships with your suppliers can often lead to better terms and discounts, which can help save money in the long run.

Conclusion

Business credit cards with no personal credit checks are transforming how entrepreneurs secure funding. Cards like Brex, Divvy, and Ramp make it easier than ever to separate personal and business expenses while reducing personal liability. Whether you’re launching a startup or scaling an existing business, these cards provide financial flexibility to power your growth. Take control of your finances today and explore options designed to support your business goals.