Best Business Credit Cards for Startups with No Credit History
Starting a business is exciting but let’s be real, it comes with its challenges. One of the first hurdles? Getting a business credit card with no credit history. Most traditional business cards require a good credit score or years of financial records. But what if you’re just starting out and have zero credit history under your business name or even personally?Don’t worry. There are solid credit card options designed for startups and entrepreneurs just like you. In this guide, we’re diving into the best business credit cards for startups with no credit history in the US for 2025. Let’s get you funded, not frustrated.
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Why a Business Credit Card Is Crucial for Startups
Here’s why you shouldn’t skip this step:
- Separates personal and business finances
- Helps establish your business credit profile
- Gives you access to short-term funding
- Makes bookkeeping and tax time way easier
- Offers perks like cashback, tools, and expense tracking
Even if your business is brand new, you CAN qualify—you just need to know where to look.
Top 5 Best Business Credit Cards for Startups with No Credit History (2025)
These cards don’t require an established business credit profile—and some don’t even check your personal credit.
1. Brex Card for Startups – Best for: VC-backed or revenue-generating startups
Why it stands out:
- No personal guarantee or credit check
- Based on your business cash flow, not your credit score
- Offers up to 8x points on common business purchases
- Built-in expense tracking and integrations with tools like QuickBooks and NetSuite
Requirements:
- Must be incorporated in the US
- Must link a business bank account with at least $50,000 in funding
2. Ramp Corporate Card – Best for: Startups that want to control spending and scale fast
Why it’s great:
- No credit check, no personal guarantee
- Works like a charge card – pay in full monthly
- 1.5% cashback on all purchases
- Includes AI-powered spend control tools and automatic receipt matching
Requirements:
- Must have at least $75,000 in the bank
- US-based company with EIN
3. Divvy Business Card – Best for: Budgeting and employee card control
Why startups love it:
- No credit check if you qualify under the spend-based program
- Flexible payment cycles (weekly, bi-weekly, monthly)
- Built-in budgeting tools and spend limits
- Earn points based on how often you pay
Perks include:
- 7x points on restaurants (weekly payment)
- 5x on hotels, 2x on recurring software
Note: Not ideal if you want to carry a balance.
4. Capital One Spark Classic for Business – Best for: Building personal and business credit together
Why it’s beginner-friendly:
- Designed for fair to limited credit
- 1% unlimited cashback on every purchase
- Reports to business credit bureaus
- Can help establish both personal and business credit
Requirements:
- Personal credit score around 580–640
- No need for business revenue history
5. Stripe Corporate Card. – Best for: Startups using Stripe for payments
Why it fits Stripe users:
- No personal guarantee
- Fast approval if your business processes payments through Stripe
- Offers 2% cashback on top business categories
- Real-time expense tracking and virtual cards for team use
Requirements:
- Must use Stripe for payment processing
- Invite-only, but startups can request access
How to Choose the Right Business Credit Card for Your Startup
Not sure which one to go for? Consider:
| Factor | Ask Yourself… |
|---|---|
| Revenue | Does my startup generate revenue yet? If not, go for a card like Capital One or Divvy. |
| Credit history | If your personal credit is limited, prioritize no-credit-check cards like Brex or Ramp. |
| Perks | Do you want cashback or travel rewards? Some cards are better for tech tools, others for spending categories. |
| Usage type | Will you carry a balance or pay in full each month? Ramp and Brex require full monthly payment. |
Pro Tips for Getting Approved (Even Without Credit)
- Register your business and get an EIN from the IRS
- Open a business checking account
- Use a card that doesn’t require a personal guarantee if you’re worried about liability
- If needed, build personal credit first with a secured credit card
Bonus: Why Business Credit Matters (Even If You’re Just Starting)
You might not need business credit now—but your future self will thank you. With strong business credit, you’ll be able to:
- Qualify for better funding and loans
- Lease office space or equipment
- Get better net terms from vendors
- Reduce reliance on personal credit
It starts with a single credit card and consistent, responsible use.
The Right Business Card Can Fuel Your Growth
Starting a business with no credit history doesn’t mean you’re stuck. With the right card, you can build your credit, manage expenses, and unlock growth opportunities. Whether you’re bootstrapping or scaling fast, there’s a business credit card that fits your journey.
Compare your options, check the requirements, and apply for the card that aligns best with your startup’s goals.
