Can You Get a Business Credit Card With Only an EIN?

Typically, no. Even business owners with a good credit history will still need to provide an SSN and other tax ID information to apply. That said, there are several credit cards for small business owners that won’t run a personal credit check and don’t require a personal guarantee. They simply need your SSN for Know Your Customer (KYC) regulations to protect against money laundering and other types of fraud. In other words, you can apply for a small business credit card without your personal credit score being a factor.

How Do EIN-Only Cards Determine Your Credit Line?

A credit card company will determine your credit line based on your income or spending within their platform. As you prove your trustworthiness by paying your bills on time, you can build business credit and increase your credit limits. Also, note that some companies like Ramp offer additional services like a small business loan or a business line of credit for more opportunities to generate additional cash flow. Some also offer gift cards.

Do Normal Business Credit Cards Allow EIN-Only Applications?

No. They still require personal credit checks. For example, Capital One, Chase Ink, American Express, TD Bank, and Bank of America business credit cards always require a personal check, even if they don’t report to a personal credit bureau. Capital One is very explicit about that as one of their factors when reviewing a business credit card application. There are, however, several business credit cards that don’t look at your personal credit history or require a personal guarantee. That way bad credit or a poor personal credit score isn’t an issue like it can be with traditional banks like Capital One that offer a secured credit card. Those are the cards we focus on in this post.

The 8 Best Business Cards with EIN Only

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