Most Sought-After Startup Business Credit Cards With No Credit in 2022

Startup business credit cards with no credit offer a way for you to establish your business. Your card transactions will help build your creditworthiness while funding your business expenses. This article reviews the best business credit cards that you can get with little to no credit. We also present a buyer’s guide that will help you overcome confusion and challenges when choosing cards.

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1. Chase Ink Business Preferred® Credit Card

Chase Ink Business Preferred ranks among the top-rated startup business credit cards because of their high signup bonus. It allows you to earn points for business transactions, such as travel, shipments, and digital ads. You also gain travel and purchase protections along with free employee cards when you use this card. Full Review

  • High welcome bonus
  • Earn points through business use
  • No foreign transaction fee
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Chase Ink Business Preferred ranks among the top-rated startup business credit cards because of their high signup bonus. It allows you to earn points for business transactions, such as travel, shipments, and digital ads. You also gain travel and purchase protections along with free employee cards when you use this card. Full Review

Features

4/5

Intro APR

3/5

Rewards

4/5

Welcome Bonus

5/5

2. Blue Business Plus Credit Card from American Express

AmEx’s Blue Business Plus credit card is among the best new business credit cards because of its high rewards rates and non-existent annual fees. You can gain a 0% intro APR for one year, plus you can increase your spending limit through their Expanded Buyer Power feature. Full Review

  • No annual fee
  • 0% intro APR for one year
  • Extent your credit limit
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AmEx’s Blue Business Plus credit card is among the best new business credit cards because of its high rewards rates and non-existent annual fees. You can gain a 0% intro APR for one year, plus you can increase your spending limit through their Expanded Buyer Power feature. Full Review

Features

4/5

Intro APR

5/5

Rewards

4/5

Welcome Bonus

4/5

3. OpenSky® Secured Visa® Credit Card

OpenSky Secured Visa is an excellent springboard credit card if you wish to acquire credit cards for small business with no credit. You don’t need to undergo credit checks; you don’t even have to have a bank account. All payments are reported to major credit bureaus. Full Review

  • No credit check to apply
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Reports to all 3 major credit bureaus monthly
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OpenSky Secured Visa is an excellent springboard credit card if you wish to acquire credit cards for small business with no credit. You don’t need to undergo credit checks; you don’t even have to have a bank account. All payments are reported to major credit bureaus. Full Review

Features

3/5

Intro APR

3/5

Rewards

3/5

Welcome Bonus

3/5

4. Chase Ink Business Unlimited®

The Chase Ink Business Unlimited credit card is among the best credit cards for new businesses that wish to focus on their growth rather than earning bonus points. Their simple, flat-rate reward system doesn't favor specific business expenses—you earn points on every dollar you spend. Full Review

  • No annual fee
  • High welcome bonus
  • Simple points systems
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The Chase Ink Business Unlimited credit card is among the best credit cards for new businesses that wish to focus on their growth rather than earning bonus points. Their simple, flat-rate reward system doesn't favor specific business expenses—you earn points on every dollar you spend. Full Review

Features

4/5

Intro APR

5/5

Rewards

4/5

Welcome Bonus

4/5

5. American Express Blue Business Cash™ Card

AmEx’s Express Blue Business Cash card is among the must-have startup business credit cards if you prefer simple rewards mechanisms and flexibility in your buying power. This card also doesn’t charge annual fees, plus rewards are automatically redeemed. Full Review

  • Expanded Buying Power feature
  • Simple rewards system
  • Rewards automatically redeemed
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AmEx’s Express Blue Business Cash card is among the must-have startup business credit cards if you prefer simple rewards mechanisms and flexibility in your buying power. This card also doesn’t charge annual fees, plus rewards are automatically redeemed. Full Review

Features

4/5

Intro APR

5/5

Rewards

4/5

Welcome Bonus

3/5

6. The Spark Cash Plus

Spark Cash Plus is among the most reliable startup business credit cards if you have many business expenses and want to earn rewards for them. This card offers a flat 2% cash-back reward on all business categories, plus you’ll enjoy the 0% annual fee in the first year of usage. Full Review

  • No foreign transaction fee
  • No spending limit
  • Rewards applicable on all purchases
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Spark Cash Plus is among the most reliable startup business credit cards if you have many business expenses and want to earn rewards for them. This card offers a flat 2% cash-back reward on all business categories, plus you’ll enjoy the 0% annual fee in the first year of usage. Full Review

Features

5/5

Intro APR

3/5

Rewards

5/5

Welcome Bonus

4/5

Our Methodology 

To ensure that we provide only credit cards for small businesses with no credit, our methodology focuses on the following critical factors:

  • Features: We checked out which cards are best for your spending habits and card transactions. Specific features include travel perks, insurance coverages, theft protection, and fraud prevention.
  • Rewards: Bonuses can be earned in many ways, usually given in points or cash-back rewards. We also listed providers that offer the best welcome bonus offers.
  • Credit score needed: Many credit cards for startups are available for those who have good to excellent credit scores. So we checked out which ones have the lowest and highest requirements when it comes to such scores.
  • Application process: We checked out which cards have the easiest requirements and in the buyer’s section, we advise what you can do to make the application process as easy as possible.
  • APR: We checked out which cards offer reasonable APR fees (introductory, regular, and variable) or the interest you pay for the whole year.

Detailed Reviews

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred® Credit Card

Best Business Credit Card Overall for New Businesses

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  • No foreign transaction fee
  • High welcome bonus
  • Earn points through business use
  • High annual fee
  • No intro APR offer

Overview 

Thanks to its incredible welcome bonus and high rewards rates in various categories, Chase Ink Business Preferred is among the favorite credit cards for startups. It also offers plenty of valuable perks, making it worth the annual fee you must shoulder.

Features 

This card lets you earn 100,000 sign-up bonus points if you spend $15,000 on purchases within your first three months—equal to $1,000 cashback. If you redeem the funds through Chase Ultimate Rewards, you can convert it to $1,250 worth of funds for travel

Chase Ink Business Preferred also allows you to earn points per dollar spent. As one of the most outstanding business credit cards for startups, it gives three points per dollar on your first $150,000 spent in travel, shipments, utilities, and digital ads. In other words, the more you do business, the more points you earn. If you want, you can give free cards to authorized employees to help you earn rewards.

Fees and Rates

This card charges a $95.00 annual fee and a 15.99% – 20.99% variable APR. There’s no foreign transaction fee, but there’s also no intro APR offer. 

Competition Overview 

Strengths: Sign up bonus, earning points through business expenses, travel

Shortfalls: Huge annual fee, high APR, no intro APR offer

Blue Business Plus Credit Card from American Express
Blue Business Plus Credit Card from American Express
Blue Business Plus Credit Card from American Express

Best for No Annual Fee & High Flat-Reward Rate

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  • 2x rewards rate
  • 0% intro APR for one year
  • No annual fee
  • Extendable credit limit
  • Requires good credit
  • Spending limit on bonus reward
  • Has foreign transaction fee

Overview 

AmEx’s Blue Business Plus card offers high flat-rate rewards for small businesses, which can also enjoy 0% APR and a $0.00 annual fee. This card is perfect if you have another AmEx card, which you can pair up with Blue Business Plus to earn higher rewards in more spending categories.

Features 

As one of the most popular business credit cards for new businesses, this card offers two membership rewards points per dollar up to $50,000 worth of purchases yearly. After exceeding the cap, you earn one point per dollar—a few cards with no annual fee offer this kind of reward. In addition, you can spend above your credit limit via its Expanded Buying Power feature—the extra amount depends on your card use, credit history, and finances.

Fees and Rates

This card offers a 0% intro APR for 12 months, rare among AmEx’s competitors. After one year, the regular APR is 13.24% – 19.24%. There’s no annual fee, but there’s a 2.7% foreign transaction fee.

Competition Overview 

Strengths: Annual fee, intro APR, credit limit

Shortfalls: Cap on bonus rewards, credit score requirements, not good for frequent flyers

OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card

Best for Easiest Business Credit Card to Get & Low Credit Score Individuals

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  • Reports to all 3 major credit bureaus monthly
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • No credit check to apply
  • Can’t be used for business
  • Has annual and foreign transaction fee
  • No special rewards or perks

Overview 

If you wish to build your credit and sidestep credit checks associated with opening a credit card account, then OpenSky Secured Visa is the best for you. You can qualify for it even without a bank account. It’s best to build your credit using this secured card before acquiring an unsecured one or a business credit card.

Features 

If you need new business credit cards with no credit history, you can use OpenSky as a jumping-off point—it’s easy to obtain, report your payments to three major credit bureaus, and refund your deposit. Your security deposit dictates your credit limit.  Paying on time reflects on your credit report, which helps boost your credit score. Through this card, you’ll be better qualified for a bank account and a better credit card.

Fees and Rates

OpenSky charges a $35.00 annual fee, while the security deposit is between $200 and $3,000. The APR is 17.64% (variable), and the foreign transaction fee is 3%. On top of that, the cash advance APR is 17.64% (variable). If you wish to apply for a business credit card with no credit history using this card, you must shoulder these rates.

Competition Overview 

Strengths: Credit building, no credit check

Shortfalls: Annual fee, foreign transaction fee, no special rewards

Chase Ink Business Unlimited®
Chase Ink Business Unlimited®
Chase Ink Business Unlimited®

Best for Small Business Owners Who Want Simple Rewards on All Purchases

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  • 0% intro APR
  • No annual fee
  • High welcome bonus
  • Simple points systems
  • No bonus rewards for business categories
  • High foreign transaction fees

Overview

Chase Ink Business Unlimited credit card is the perfect business card for you if you want rewards on no particular business category expenses. You’ll also enjoy their high welcome bonus and add-on rewards, such as gift cards, travel packages, and more, through Chase Ultimate Rewards.

Features 

Unlike other business credit cards for LLC startups, Ink Business Unlimited offers a flat 1.5% cash back on all your purchases—no business category to worry about. The signup bonus is also remarkable. You gain $750 bonus cash back after spending $7,500 in the first three months using the credit card. You can also redeem points for travels booked through Ultimate Rewards and Amazon purchases. And you can better earn points by pairing this card up with another Chase card.

Fees and Rates

This card charges no annual fee and allows you to have additional employee cards at no additional cost. New cardholders also enjoy a 0% intro APR for 12 months, while its regular APR is between 13.24% and 19.24%. There’s also a 3% foreign transaction fee—other business credit cards for new businesses that are better suited for traveling do not charge this fee.

Competition Overview 

Strengths: Annual fee, the no-category flat reward rate

Shortfalls: Foreign transactions

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card

Best for High and Simple Cash-Back Rewards on All Purchases

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  • Simple rewards system
  • Rewards automatically redeemed
  • Expanded Buying Power feature
  • No annual fee
  • Requires good or excellent credit
  • Low signup bonus
  • Annual spending cap

Overview 

The Express Blue Business Cash card from AmEx has an easy-to-get and straightforward reward offering if you prefer a direct business credit card experience. This card also carries no annual fee and offers a high cash-back reward automatically credited to the cardholder’s account. Additionally, AmEx’s Expanded Buying Power feature is also available on this card.

Features 

This is an excellent business credit card for new business if you don’t spend a lot but wish to earn rewards on each dollar you spend. You earn 2% cashback on eligible purchases up to $50,000 per year. The signup bonus offers $250 credit if you spend $3,000 on the card’s first three months. With the Expanded Buying Power, you can spend more than your credit limit. The automatic redemption feature also doesn’t hurt.

Fees and Rates

New cardholders enjoy a 0% intro APR for 12 months, while the regular APR ranges between 13.24% and 21.24%. There’s no annual fee to worry about, but other cardholders feel that the spending cap of $50,000 on the 2% cash-back rate is a downside if they spend a lot. For bigger-budget firms, other business credit cards for no credit history companies offer better spending caps.

Competition Overview 

Strengths: Simple rewards structure, flexible credit limit, redemption

Shortfalls: The spending cap, credit score, the signup bonus

The Spark Cash Plus
The Spark Cash Plus
The Spark Cash Plus

Best for High Cash-Back Rewards With No Limits or Spending Cap

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  • No spending limit
  • No APR
  • Flat 2% rewards
  • Rewards applicable on all purchases
  • High credit score requirement
  • Late payment fee
  • High annual fee

Overview

The Spark Cash Plus credit card is the perfect credit card if your business spends a lot and wants to build credit, thanks to its unlimited cash-back reward rate for all purchases everywhere with no limits. You’ll also receive an itemized year-end spending report, which is great for keeping track of your expenses.

Features 

Unlike other credit cards for small businesses with no credit, this card offers unlimited 2% cashback on all types of spending without any spending cap. You’ll also enjoy a $500 welcome bonus if you spend $5,000 using the card within three months and another $500 if you spend 50,000 in the first six months—a decent signup bonus for cardholders. You can also acquire free employee cards to help you earn cash-back rewards faster at no extra cost.

Fees and Rates

This card comes with a $150 annual fee in return for which you’ll get unlimited benefits. There’s no 0% APR, provided you pay your balance in full every month. On the flip side, there’s a %2.99 late fee but the biggest downside, however, is that you must have an excellent credit score to acquire this card.

Competition Overview 

Strengths: Cash-back rewards, no APR, no spending limits

Shortfalls: Require high credit score, high annual fee

Startup Business Credit Cards With No Credit – Buyer’s Guide

Choosing a startup business credit card can be challenging and overwhelming for a variety of reasons. For example, you may not be familiar with your options, or you’re not sure which card offers the best features for the long term. Our buyer’s guide will help you overcome your concerns.

How to Choose the Right No Credit Business Credit Card for Your Startup

When choosing the best credit card for your business, you should consider the following five factors.

  • Credit-building options

Credit-building options allow you to establish a good payment history. To do so, you need to pay on time and in full. You also need to lower your credit utilization ratio—the amount you currently owe divided by your credit limit. Your best options are card issuers, who report to major credit bureaus, create your credit report, and give you your credit score. The three major credit bureaus in the US include Experian, Equifax, and TransUnion.

  • Compare bonus categories

Credit cards for new businesses with no credit history often offer bonuses, rewards, and deals that incentivize your business expenses. Bonuses from different card issuers aren’t inherently better or worse than one another; their usefulness depends on your card transactions. For instance, the best business credit cards for travel offer huge bonuses when you use them for travel-related expenses (hotels, flight booking, transportation, gas). While these cards’ bonuses are best for frequent flyers, they might not be helpful if you don’t travel much.

  • Compare costs and fees

Credit cards for small businesses with no credit usually charge various fees that you must pay to enjoy their features, including the annual fee, regular APR fee, foreign transaction fee, and balance transaction fee. Others charge situation-based costs, such as penalty fee, late fee, and cash advance fees. Different cards charge various rates. So it’s essential to compare which ones have the most reasonable costs. Some look cheap but offer minimal rewards, while others provide excellent rewards with equally high costs. Still, others offer great rewards and affordable fees but aren’t always available to businesses with no credit history. In other words, your card should strike a balance between helpfulness and cost-efficiency. 

  • Choose the type of rewards

Besides bonus categories, business credit cards for new businesses with no credit also offer rewards based on your account type and card transactions. One card might offer a generous signup bonus when you spend a certain amount during a specific period. Others let you earn points to redeem such rewards as hotel discounts, loyalty financing, etc. Additionally, business credit cards also offer features like fraud monitoring and damage or theft insurance coverage. As a result, your choice of the business card depends on which rewards are more beneficial for your business and card transactions.

  • Apply

How to get a business credit card with no credit involves, of course, the application process. First, you must provide personal and business information and fill out the forms they request. Afterward, you wait for the card issuers to either reject or deny your application.

How to Obtain a Startup Credit Card With No Credit

The best business credit cards for startups are easy to find if you know where to look. But if you have no credit, it can be challenging. Consider the following four points to find the best card.

  • Take a secured business credit card 

A secured business credit card is meant for those with little to no personal credit history. It’s also ideal for those with poor credit scores. If you default, it requires a refundable deposit that serves as your credit limit and the issuer’s collateral. Using secured business cards responsibly can establish a positive history and build a better credit rating. As with all corporate credit cards, a secured business credit card should be used only for business purchases. 

  • Use a co-signer or business partner 

To acquire new business credit cards with no credit history, you can assign someone as a co-signer. This person serves as a guarantor for your credit; if you default, the co-signer will take responsibility to pay your debt. Card issuers require your co-signer to have a better credit score than you and a stable income. If you have a business partner with a better credit standing, you can use them as your co-signer to acquire the business credit card.

  • Business payments on different credit records 

As a business owner, you should have a separate credit card for business transactions. In this way, your personal and business expenses won’t get mixed up:

  • It protects your personal assets from unintended expenses.
  • You can apply for business loans and lines of credit more quickly.
  • Using separate credit cards for businesses with no credit ensures you don’t max out an account while building a good payment history.
  • Apply for only one business credit card 

While keeping your business account from your personal account separate is a good idea, you only need one business credit card to accommodate your business transactions. Technically, you can apply for more than one business credit card. But it will be inconvenient if you cannot keep track of your business expenses. You also might miss or confuse due dates.

Creating a Credit History With a Credit Card

Credit cards are ideal credit history-building tools, and the way you use them largely determines whether your credit score is good or bad. Unfortunately, business credit cards for no-credit startups won’t help if you keep missing payments and maxing out your balance.

A credit card can help build your creditworthiness when you:

  • Pay on time

Your payment history is the most significant factor that affects your credit score. As such, make at least the minimum payment each month. If you miss a due date as a cardholder, you’ll be charged a fee. Once your payment exceeds 30 days past due, the card issuer can report your late payment to the credit bureau—a record that stays on your credit report for up to seven years. You can set up autopay on your card to avoid missed payments.

  • Maintain low credit utilization

Startup business credit cards with no credit give you a chance to use credit to establish your business. But it doesn’t mean you’ll use it for everything. If you do so, your credit utilization ratio will go up, which isn’t good on your credit report. To maintain a low utilization rate, limit your card usage, especially when your credit limit is low. While there’s no hard and fast rule for the perfect credit utilization rate, the general rule of thumb is to keep the ratio below 10% to achieve the best credit scores.

  • Avoid applying for multiple accounts

While it’s tempting to apply for a business credit card with no credit history multiple times, it’s not advisable to do it often. Card applications can cause temporary drops on what little credit score you have. In addition, doing it multiple times and with close intervals to each other results in significant damage to your performance. If you must do it, make your applications with about six months of an interval in between. 

  • Keep your account open

If you already have multiple startup business credit cards, keep them open. Don’t touch the account unless you have a genuinely critical reason to close an account. Even if you have a serious issue with it (e.g., high annual fee, poor customer support), try downgrading the account or transferring your credit to another card. Closing an account can hurt your credit utilization ratio and decrease your average account age, reflected in your credit history.

  • Check your credit reports regularly

Since your credit report affects many aspects of your financial life, it’s best to check it regularly for any errors or discrepancies. You can acquire small business credit cards with no credit check if you’re lucky, but that’s rare. As such, take advantage of the major credit bureaus free annual credit reports. If you play your cards right, you can receive a free credit history report from one credit bureau each quarter. If you see any errors or questionable transactions you didn’t make, dispute them immediately and find ways to correct them. Such records (if legit) stay on your report for years.

Startup Business Credit Cards at a Glance

Startup Business Credit Cards Credit Score Intro APR Regular APR Rating Rewards Rate Best For
Chase Ink Business Preferred® Credit Card 690 to 850 None 15.99% to 20.99% Variable APR 4/5 Three points per dollar spent on specific expenses. Best business credit card overall for new businesses.
Blue Business Plus Credit Card from American Express 690 to 850 0% for the first 12 months 13.24% to 19.24% Variable APR 4.25/5 Two points per dollar on $50,000 worth of purchase; one point afterwards. No annual fee; high flat-reward rate.
OpenSky® Secured Visa® Credit Card 300 to 689 None 17.64% Variable APR 3/5 None Easiest business credit card to get; low credit score individuals.
Chase Ink Business Unlimited® 690 to 850 0% for the first 12 months 13.24% to 19.24% Variable APR 4.25/5 1.5% cashback on all purchases. Small business owners who want simple rewards on all purchases.
American Express Blue Business Cash™ Card 690 to 850 0% for the first 12 months 13.24% to 19.24% Variable APR 4/5 2% cashback on eligible purchases up to $50,000 per year. High and simple cash-back rewards on all purchases.
The Spark Cash 690 to 850 None No APR, only 2.99% late payment fee 4.25/5 2% cashback on all types of spending without any spending cap. High cash-back rewards with no limits or spending cap.

Conclusion

Startup business credit cards with no credit are an excellent way to build a great payment history and credit score for your business. This opens up many opportunities for your business’s finances. Finding the suitable business credit card for your startup begins with vetting which card has the best credit-building options, bonuses, and rewards. Comparing fees and rates is also critical to get the most out of your chosen credit car

FAQ

Can you get a business credit card with no credit history?

Yes, you can. You can apply for credit cards that check credit history with an eligible co-signer or business partners. They will serve as your guarantor and take responsibility for your debt in the event of default. Alternatively, you can become an authorized user of another person’s credit card.

How do I get my first business credit card?

To apply for your first business credit card, you must provide both personal and business information. Card issuers will also require a personal guarantee: if your business—treated as a separate entity from you—cannot repay the debt, the payment must come from your personal funds or be derived from assets.

What is the easiest business credit card to get?

The most accessible credit card to obtain doesn’t require a high credit score or lengthy history. Startup business credit cards with no credit checks provide great rewards that allow your business to establish its payment history and creditworthiness. Some of the best ones are from Chase, AmEx, and Capital One.