However, if the card reports to business and/or consumer credit reporting agencies, an on-time payment history can help you build credit. You'll earn 7X points on ride-sharing services, 4X on Brex travel, 3X on restaurants, 2X on software and 1X on all other . The Office Depot Business Credit Account is a closed-loop card with no rewards, a $0 annual fee, and a 23.99% variable APR. But if youve got solid revenue and can maintain at least $75,000 in your business bank account, Ramp may be right up your alley. The Brex Daily must be paired with a Brex Cash account . Business Credit Cards with EIN Only | Top Corporate Credit Cards With This allows you to stand as a guarantee so that your business can get the finances it needs in a much shorter space of time. Underwriting is based on your business bank account balance, spending patterns and. These cards are often structured as charge cards, which means they require payment in full upon receipt of the billing statement. Issuers also use SSNs to inquire about the applicants personal credit by performing a hard credit check. The Brex card has no annual fee, and offers the opportunity for earning rewards on a variety of purchases. Corporate business credit cards are options for high-rolling business that want to secure business credit cards using EIN only. This is because too many applications reflect negatively on your credit report. Established corporations with a bit of a track record will find it much easier to apply for a business credit card with no Social Security number and just an EIN. The IRS allows you to register your business with them for free, and you can complete it online. Business credit cards with EIN only help separate your credit from your business credit record, making this one of the best ways to build a credit history for your company. When you apply for a business credit card with an EIN only, your personal credit won't be a consideration. If youre trying to avoid personal liability, then look to corporate credit cards, gas cards, or prepaid business credit cards as your top options for business credit cards you can get with an EIN only. Is A Personal Card Better Than A Business Credit Card? Note we said credit accounts, not credit cards. There are credit accounts that dont check or report to personal credit; they are called vendor or trade credit. Some of these cards dont report to personal credit (heres a list of how small business cards report to personal credit) so if your goal is to protect your personal credit, you may still accomplish that goal. This could affect the applicants credit limit or rewards potential. Your financial situation is unique and the products and services we review may not be right for your circumstances. If the business owner cant pay off debts to the card issuer, the owner is personally responsible. While not always easy to obtain if youre a brand new company, you should be able to qualify for most business gas cards once you have a little bit of business credit under your belt. They will also use it to verify your identity and business ownership. If you do not have an EIN, you may still be able to get approved for a business credit card, but it may be more difficult. Business Credit Cards You Can Apply for With an EIN Only. BEST BUSINESS CREDIT CARD WITHOUT A PERSONAL GUARANTEE FOR SAMS CLUB PURCHASES. You can get the Brex Corporate Card for Startups without a personal guarantee if your company has at least $100,000 in the bank. The Spark Cash Plus from Capital One is a great business credit card that offers 2% cash back on all business purchases. No personal credit check: One of the most common reasons for seeking a way to apply for business credit cards using EIN only is to avoid the personal credit check that providing a Social Security number opens you up to.When your business comes first, it's easy for your personal credit to suffer. Credit history is a track record to show banks and lenders that you have handled credit in the past. So if youre looking for an all-in-one card that runs the gamut, the Shell Business Gas Card is one of the best. Right off the bat, it checks most of the boxes that business owners are looking for.