Get a Business Credit Card With an EIN only? Find Best options

Let’s get a business credit card with an EIN only? Find the best business credit card that only require an EIN to separate business and personal finances. Wondering if you can get the best business credit card with only an EIN? For small business owners, freelancers, and entrepreneurs, securing a business credit card using just an Employer Identification Number (EIN) is a smart way to keep business and personal finances separate, build business credit, and manage cash flow. While it’s possible, it comes with specific requirements and challenges. This guide breaks down everything you need to know about EIN-only business credit cards in a simple, friendly way, so you can decide if it’s the right move for your business.

What Is an EIN, and Why Use It for a Credit Card?

An Employer Identification Number (EIN) is a unique nine-digit number issued by the IRS to identify your business for tax purposes. Think of it as your business’s Social Security Number, especially when applying for a card without personal credit. Whether you’re a sole proprietor, LLC, or corporation, you can get an EIN for free through the IRS website.

Using an EIN to apply for a business credit card offers key benefits:

• Separates Business and Personal Finances: Keeps your business expenses distinct, making accounting and tax prep easier.
• Protects Personal Credit: An EIN-only business credit card doesn’t rely on your personal credit score, so business debts won’t impact your personal credit.
• Builds Business Credit through responsible use of credit cards often.: Paying on time helps build your business credit score, which can unlock better financing options.

However, EIN-only cards are harder to get because most credit card issuers require a personal credit check or personal guarantee, tying your personal credit history to the card.

Can You Get a Business Credit Card with Just an EIN?

Yes, but it’s not easy. Most business credit cards require a personal credit check and a personal guarantee, meaning you provide your Social Security Number (SSN) and are personally liable for unpaid balances. EIN-only credit cards don’t require this, relying instead on your business’s financial health, like revenue or business credit history. These cards you can get are ideal for business owners who want to avoid affecting their personal credit.

When Is an EIN-Only Card Possible?

You’re more likely to qualify for a business credit card with an EIN if you are considering the number of business credit cards to apply for.

• Your business has been operating for 1–2 years.
• You have a strong business credit score (e.g., a Dun & Bradstreet PAYDEX score of 80+).
• Your business generates consistent revenue, often $50,000 or more annually.
• You have a business bank account with healthy cash flow to qualify for corporate gas cards.

Startups or businesses with limited business credit history may find it tough to qualify for an EIN-only business credit card.

Best EIN-Only Business Credit Card Options for 2025

While credit card options are limited, some issuers offer corporate cards or business credit cards with EIN that don’t require a personal credit report. Here are the best EIN-only business credit cards:

1. Brex Card
   • Best for startups that need to consider the types of business credit cards available.: Tech startups and e-commerce businesses.
   • startup businesses should evaluate the pros and cons of credit options before committing. looking to build business credit without impacting your overall credit score, ensure you manage the number of business credit cards effectively. personal credit.
2. Ramp Card
   • Best for: Businesses needing expense management tools.
   • Features: No personal credit check. Offers 1.5% cashback on all purchases and integrates with accounting software, making it one of the best business credit card options.
   • Drawbacks: Limited to businesses with strong revenue and U.S. operations.
   • Why we like it: A card with no credit check that helps manage business expenses.
3. Stripe Corporate Card
   • Best for: Businesses using Stripe for payments.
   • Features: EIN-only card with no annual fee or foreign transaction fees. Rewards on business purchases.
   • Drawbacks: Mainly for Stripe users with established transaction history.
   • Why we like it: Perfect for online businesses wanting a corporate card with simple terms for corporate card offers no annual fee.
4. Divvy Card
   • Best for: Businesses seeking budgeting tools.
   • Features: No personal guarantee for eligible applicants. Customizable spending limits and cashback rewards.
   • Drawbacks: Requires consistent revenue and business credit.
   • Why we like it: A charge card that integrates with accounting tools for easy tracking.

Note: Always check with credit card issuers for the latest eligibility requirements, as terms can change.

Pros and Cons of EIN-Only Business Credit Cards

Pros

• Protects Personal Credit: No personal credit check means business debts won’t impact your personal credit score.
• Builds Business Credit: On-time payments help you build business credit with business credit bureaus like Dun & Bradstreet.
• Higher Credit Limits: Limits often scale with your business’s revenue, unlike traditional business credit cards tied to personal credit.
• Simplifies Accounting: Keeps business and personal finances separate.

Cons

• Limited Card Options: Fewer credit cards that only require an EIN are available.
• Strict Requirements: You need strong business finances, revenue, and credit history.
• Higher Costs: Some cards have annual fees or higher interest rates.
• Fewer rewards compared to cards with just your EIN, especially when considering the number of business credit cards available.: EIN-only cards Some business credit cards often offer less generous perks than others, depending on the number of business credit cards you have. small business credit cards requiring an SSN.

How to Apply for a Business Credit Card with an EIN only

Follow these steps to use your EIN and start building your business credit. apply for a business credit card using only your EIN:

1. Check Your Eligibility
   • Confirm your EIN is active on the IRS website.
   • Ensure your business has a business bank account and at least 1–2 years of operation.
   • Review your business credit score with business credit bureaus like Experian or Dun & Bradstreet.
2. Build Business Credit
   • Open trade lines with vendors that report to business credit bureaus.
   • Pay invoices on time to build your business credit score.
   • Consider a secured business credit card to start establishing credit using your EIN.
3. Gather Documents
   • Prepare tax returns, bank statements, or profit-and-loss statements to show business finances.
   • Have your EIN and business registration details ready.
4. Research card options to understand the different types of business credit cards available.
   • Look for corporate credit cards often provide benefits that standard cards do not. or secured credit cards like the Brex Card, Ramp Card, or Stripe Corporate Card.
   • Check if the card reports to business credit bureaus to build credit.
5. Submit Your Application
   • Complete the credit card application with your EIN and business details.
   • Be ready to verify revenue or provide financial documents.
   • Ask issuers if the card requires a personal credit check or personal guarantee.
6. Use the card wisely to maintain a healthy credit profile separate from your personal credit.
   • Make business purchases and pay on time to avoid high interest.
   • Monitor your credit report to ensure card activity helps build your business credit.

Tips to Boost Your Chances

• Strengthen Business Finances: Keep your business bank account well-funded to show stability.
• Compare cards to find the best business credit card for your needs.: Look for card offers with no annual fee or rewards that match your business expenses (e.g., fuel cards or gas cards for frequent travelers).
• Start small by exploring the number of business credit cards that suit your needs.: If your business is new, try secured business credit or vendor accounts to build credit before applying for an EIN-only credit card.
• Ask Issuers: Contact business credit card issuers to confirm if they offer cards with just an EIN.
• Monitor credit through personal credit bureaus to ensure healthy business credit.: Regularly check your business credit report to track progress and fix errors.

Alternatives to EIN-Only Business Credit Cards

If you can’t qualify for an EIN-only business credit card, try these options:

• Business cards with personal guarantee may require a soft credit check, unlike a card with just your EIN.: Cards like the Chase Ink Business Preferred or American Express Blue Business Plus require an SSN but offer great rewards and higher credit limits.
• Secured Business Credit Cards: Backed by a cash deposit, these are easier to get and can help you build business credit.
• Business Line of Credit Flexible financing from lenders like Fundbox, often based on your personal credit, can be beneficial for various types of business. business credit history.
• Vendor Credit: Work with suppliers offering net-30 terms to establish and improve your business credit.

FAQs on Getting a Business Credit Card with Just an EIN

Final Thoughts

Getting a business credit card with just an EIN is a great way to build your business credit, protect your personal credit, and streamline business expenses. However, EIN-only business credit cards are best suited for established businesses with strong revenue and business credit scores. If you’re a small business owner or running a startup business, you may need to start with a secured card or a card requiring a personal credit check to access small business credit.

Research business credit card options, compare terms, and ensure your business can meet the requirements of the best business credit card. business credit history is solid before applying. For personalized advice, consult a financial advisor or visit issuer websites for the The best credit card for small businesses may vary based on the number of business credit cards you hold. for your needs.

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