Best Business Credit Cards with EIN Only 2025 (& How to Get Them)

How to Apply and Get Business Credit Cards with EIN Only

We checked out a number of business credit cards with EIN only, and did the research for you. So here are our top picks. 

Cards for EIN (employer identification number) only most likely will not report to the personal credit bureaus. This is because the card issuer should only be using your Social Security Number for identification purposes and not to check a personal credit score.

The Best Business Credit Cards with EIN Only Comparison

Benefits vary. So, make sure to choose the benefit you would prefer from this array of alternatives.

1. The FairFigure Capital Card 

The FairFigure Capital Card is a business credit builder card that also comes with a real line of credit. That’s right – it’s an EIN-only, no personal credit check card that you gets you funding, too. 

Which is why we included it first on this list. You don’t have to have any business credit, and you can qualify. The credit line is based solely on your business’s revenue. If you don’t have enough, you’ll qualify once you hit $2,500 per month in recurring revenue.

For those looking to build business credit, consider that the card reports payments to Equifax Commercial, Creditsafe, and the SBFE – but not to the personal credit bureaus. (Remember that the SBFE reports payments to other business credit bureaus, including Dun & Bradstreet and Experian Business.)

What’s the catch? There are no security deposits or annual fees, but the card does require a $30 per month fee. This also gives you access to their business credit monitoring service, whose payments also get reported to the business credit bureaus. So this one card gives you two business credit tradelines to build your business credit score and carefully monitor it.

The other catch is that the card’s financing terms are short-term: either 4- or 8-week payback plans. The flip side is that you won’t get into big debt traps like you can with a normal credit card.

2. Rho Corporate Card

The Rho Card is an EIN-only corporate charge card for business owners in need of funding. It’s part of the broader Rho financial product ecosystem, which offers checking and savings accounts, expense management solutions, and more. 

Being a corporate charge card, the Rho corporate card offers no annual fee and no APR. Unlike some other corporate cards, you can typically expect to incur a 3% fee on any delinquent balance for up to six months. 

They also offer a scalable credit limit that changes with your needs. This will be crucial as you’ll need a higher credit limit when your business grows. 

The Rho corporate card offers benefits like 1.25% cash back on eligible purchases, no personal guarantee (and no impact on your personal credit score), and the ability to assign unlimited numbers of virtual cards to employees in your organization. 

These are accompanied by the numerous features associated with your card account. Rho makes it simpler to track advertising spend, manage client budgets, control who has access to the corporate card accounts, and beyond. 

Their eligibility standards are fairly relaxed. They approve businesses from the average small business owner to middle-market businesses. They also boast no minimum annual revenue requirements. 

However, they will not offer services to sole proprietorships or unincorporated businesses. 

There’s no word on if or which business credit bureau they report to, if any. Keep this in mind if you’re using cards to boost your business credit scores.

3. Stripe Corporate Card

The Stripe Corporate Card is an invitation-only card offered to existing Stripe users. 

The Stripe Corporate Card is reported as offering cash back. However, Stripe doesn’t explicitly state how much you could earn on their card FAQs page. Some sources state that cash-back rewards range from 1.5% to 2%. 

Verifiable rewards include the Stripe Partner Rewards. Stripe partners with numerous vendors to reward businesses who use their cards. 

Examples include up to six months free for Zendesk, a $500 credit after $500 spend for Google Ads, and 50% cash back up to $5,000 for Notion. 

Stripe states that their corporate card is entirely free to use. This means a $0 annual fee and 0% APR. It also means that you won’t see foreign transaction fees, late payment fees, and card replacement or additional card fees. 

This is all alongside preserving your personal credit score and getting accepted with bad credit, as well as using EIN only.

Because this is reportedly in beta and is an invitation-only card, there’s no telling what eligibility requirements there are to qualify beyond being a Stripe user. 

Additional information about the card, its credit limit, and its perks is scant due to no dedicated product page on Stripe’s website. 

Keep in mind that this is not the same as the solution offered for businesses who want to be a card issuer. Stripe Issuing is a solution designed for business credit card issuers (BaaS, Fintech, other card issuers who are not a credit card company). 

Those terms only apply to the customers of card issuers, not Stripe users. 

4. Brex Corporate Card

The Brex corporate card is one of the more robust EIN-only corporate charge cards on the market. 

As with Rho, Brex’s corporate card is a part of their broader financial ecosystem. Brex users enjoy expense management features, automated accounting, and customized limits and card controls when they use the Brex card and Brex solutions. 

Brex offers 0% APR and has no annual fee. They offer up to 7x cash back. However, it’s important to note that cash-back benefits depend on the spending category. In reality, their cash-back rewards include the following:

• 7x cash back on rideshare.
• 4x cash back on Brex travel.
• 3x cash back on restaurants. 
• 2x cash back on software.
• 1x cash back on other eligible net purchases. 

They offer additional partner rewards as well. Brex cardholders can earn $5,000 in AWS credits and 3% cash back at Apple, for example. 

Brex reports to Dun & Bradstreet, Experian Business, and Equifax Business to boost your business credit score and help you establish business credit history. However, qualifying for the Brex card can be challenging. 

You need at least $50,000 in your bank account if your business is funded by professional investors. If you are self-funded, you need at least $1 million. 

You can qualify with less and get a credit limit based on your financial health. However, you will then have to settle for daily repayment terms instead of monthly repayments. 

You could also consider a startup business loan, a secured business credit card, or other options on this list if you don’t qualify.

5. For 0% APR and Travel: Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is available through MasterCard International Incorporated and Bank of America, a national bank.

Earn 30,000 online bonus points after spending at least $3,000 in the first 90 days of your account start date. which can be redeemed for a $300 statement credit towards travel or dining-related purchases. 

Earn unlimited 1.5 points for every $1 you spend on all purchases, with no cap on spending. Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.

There is no limit to the number of points you can earn, and points don’t expire on this business credit card. 

Earn up to 75% more points on every purchase if you have a business checking account with Bank of America and qualify for their highest Preferred Rewards for Business tier.

Hence you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center. 

No yearly fee and no international transaction fees. 0% on purchases for the first 9 billing cycles. Then a variable APR applies (currently 15.24% to 25.24%).

View and monitor your Dun & Bradstreet small business credit score for free within their Business Advantage 360 product.

To apply, you must provide your small business tax ID (or Social Security number for sole proprietors shifting from personal finance to business finance). You will have to provide your SSN to verify your identity.

Bank of America works with Equifax for Small Business credit bureau. Small Business credit cards are backed by personal credit; but they are not included on your credit report as long as your credit card is in good standing.

6. For 0% APR: Ink Cash℠ Credit Card

Look at the Ink Cash ℠ Credit Card. Companies can get cash back with each purchase.

$750 bonus cash back after you spend $7,500 in the first 3 months after your account start date. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores.

And earn 5% cash back on internet, cable, and phone services each account anniversary year.

You can earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. And earn 1% cash back on all other purchases–with no limits.

Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate.

Build small business credit. No annual fee. 0% intro APR for 12 months from account opening on purchases. After that, 15.49% – 21.49% variable APR. This business credit card is a Visa card.

They will ask for your SSN for identification purposes.

7. For Cash Back: American Express Blue Business Cash™ Card

Look at the American Express Cash™ Card. There is a $0 annual fee. 0% introductory APR on purchases for 12 months from the date of your account start date. After that your APR is a variable 16.24% – 24.24%, based on creditworthiness.

Earn a $250 statement credit after spending $3,000 in your first 3 months. You can earn 2% cash back on all purchases up to $50,000 per calendar year. And you get 1% cash back on purchases thereafter.

They will ask for your Social Security number for identification purposes and not for checking your personal credit history. There are some limits if you want to do a balance transfer using this business credit card.

8. For Rewards: Bank of America Business Advantage Customized Cash Rewards Credit Card 

With the Bank of America Business Advantage Customized Cash Rewards Credit Card, you get 3% cash back in the category of your choice, 2% cash back on dining purchases and 1% cash back on all other purchases.

Get a $300 statement credit after spending at least $3,000 in the first 90 days after your account start date.

Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services.  Earn 2% cash back on dining purchases.

And you can earn unlimited 1% cash back on all other purchases (like fees for your business bank account). You will earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

You can earn up to 75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for their highest Preferred Rewards for Business tier.

Hence, you could earn up to 5.25% on your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases. 

No yearly fee. 0% introductory APR for the first 9 billing cycles. After the intro APR offer ends, Variable APR applies (currently 15.24% to 25.24% for this business credit card).

9. Also For Rewards: Business Platinum Card from American Express

Get a limited offer to earn 150,000 Membership Rewards® Points after spending $15,000 within your first 3 months of Card Membership with Business Platinum from American Express.

Earn 5x points on flights and prepaid hotels booked on AmexTravel.com. You can earn 1.5x points on purchases in key small business categories at construction suppliers, electronic retailers, software providers and more. Cap Applies.

Earn 1.5x points on purchases on your business credit card of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. And you can earn 1x points on other purchases made using Business Platinum.

APR on purchases is variable, 17.24% – 25.24%, based on creditworthiness. $695 yearly fee.

$200 airline fee credit. Get statement credits from buying from Dell Technologies and hiring via Indeed. Get a fee credit for Global Entry or TSA PreCheck ®. Pay no foreign transaction fees. 

10. For Rewards: Ink Preferred ℠ Credit Card

Get a look at the Ink Preferred Credit Card from Chase.

Get 100,000 bonus points after spending $15,000 in the first 3 months after your account start date. This is equal to $1,000 cash back or $1,250 toward travel rewards when redeemed through Chase Ultimate Rewards®.

Earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year.

• Shipping purchases
• Advertising purchases made with social media sites and search engines
• Internet, cable, and phone services
• Travel

Earn unlimited 1 point/dollar spent on all other purchases with your business credit card. Points do not expire so long as your account is open. Points are worth 25% more when redeemed for travel through Chase Ultimate.

$95 annual fee. 18.24%–23.24% variable APR.

11. For Travel: Capital One® Spark 2x Miles for Business

Be sure to check out the Spark 2x Miles for Business card.

Earn unlimited 2x miles on every purchase with this Capital One Spark Cash business credit card. Plus, earn a 50,000 miles bonus when you spend $4,500 in the first 3 months.

You will need excellent credit to get this card. Earn a one-time bonus of 50,000 miles after spending $4,500 within the first 3 months of account opening. Pay a 23.99% purchase rate. Get a $100 travel credit for Global Entry or TSA Pre✓®.

$0 intro yearly fee for the first year, then $95 after. Use miles on flights, hotels, vacation packages and more-you can even transfer miles to any of over 15 travel partners.

You’ll need to provide legal names, addresses and SSNs for all business owners. Get free employee cards with the ability to set spending limits. You must provide your legal business name, address, and business ID number (EIN) on the application.

Get 2 free visits to the Capital One Lounge per year. It’s the one of best business credit card solutions if you travel frequently. 

12. For Travel: Marriott Bonvoy Business® Credit Card

Another choice is the Marriott Bonvoy Business® Credit Card from American Express.

Earn 100,000 Marriott Bonvoy points after spending $4,000 in purchases in your first 3 months of Card Membership. Offer expires 11/2/22.

APR is variable, 18.74% – 27.74%, based on creditworthiness. $125 yearly fee.

You can get 6x Marriott Bonvoy points at Marriott per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program.

Earn 4x Marriott Bonvoy points on purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

Or earn 2x Marriott Bonvoy points on other purchases made using the Marriott Bonvoy Business® Card.

7% room rate discount. Get one Free Night Award every year, after your business credit Card renewal month. Earn another Free Night Award after spending $60,000 in a calendar year.

Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott Bonvoy™ program worldwide.

Redeem points for flights and car rentals. No foreign transaction fees. They check SSN for your business credit card for ID purposes only.

13. For Travel: Shell Small Business Card

Set spending limits and categories for employees with the Shell Small Business Credit Card. Earn rebates of up to 5 cents per gallon. Get discounts at participating Jiffy Lube® locations. There are no card fees.

Their application does not call for your Social Security number, but you will need a fair to good credit score of 580 to 739 for approval. APR is not listed on their site.

14. For No Annual Fee for First Year/Travel Points: Wells Fargo Business Elite Signature Card

Check out the Wells Fargo Business Elite Signature Card.

For businesses with annual sales over $1 million.

Earn a one-time $1,000 cash-back bonus or 100,000 bonus points after spending $25,000 in the first three months after the account open date.

Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period.

Travel Incidental Fee Reimbursement up to $100 per calendar year per company.

The annual fee is $0 first year, and then $125. No foreign transaction fee. Get a 10% points credit every time you redeem online (10% of redemption value).

The interest rate on purchases. Prime + 3.99%. To apply, call them at 1-844-807-5060.

For all businesses, each business owner with 25% or more interest must be listed as a guarantor and provide their percentage of ownership and their annual household income.

Provide the ID number for the business. At least one business owner/guarantor who indicates they have authority and control must apply and provide their Social Security number or Individual Taxpayer Identification Number (ITIN).

The Perfect Business Credit Cards with EIN Only for You

So you can get business credit cards with EIN only, but it will hinge on your credit history and scores. You should try to avoid a personal guarantee unless you will get a significant benefit from offering one.

But other than that, try not to volunteer a personal guarantee.

Only you can select which features you want and need in corporate credit cards. So make sure to do your homework. The best credit card for you and your credit history might not work for others.

Business cards can be very helpful for getting a small business loan or a business line of credit, so they are definitely worth your time.

And, as always, make certain to build credit in the recommended order for the best, fastest benefits.

Also read: Warning: Don’t Apply for Bank Credit Cards For Your Business Before You Read This