Navigate 2025's Best EIN-Only Business Credit Cards

You’ve seen the pitch: “Get a business credit card with just your EIN—no SSN, no personal guarantee.” Enticing, yet most ads gloss over strict eligibility rules.

This guide cuts through the hype. Over the next few minutes, you’ll discover which 2025 cards truly skip personal credit checks, the cash-flow thresholds they require, and how to match each option to your company’s stage.

Ready to keep your personal score safe while building real business credit? Here’s what you need to know.

Why “EIN only,” “no personal guarantee,” and “no personal credit reporting” aren’t the same thing

Clear labels prevent confusion, so let’s define each promise up front.

EIN-only business credit card. You apply with the company’s tax ID, not your Social Security number. The issuer reviews business cash flow or bank balance, and the liability sits with the company, not you. Only a small set of corporate cards such as Brex and Ramp qualify, according to NerdWallet.

No-personal-guarantee (no-PG) card. Your signature is not required. The business must repay the debt, but some issuers still run a soft look at the owner’s credit or expect strong finances. Chase says eight-figure revenue is common for its bank-issued no-PG programs.

No personal credit reporting card. Routine spending stays off Equifax, Experian, and TransUnion. You might still sign a guarantee; your FICO matters only if the account defaults. Most mainstream small-business cards operate this way.

Marketers blur these lines: “no PG” is not the same as “no credit check,” and “EIN only” does not mean easy approval. Keep the labels straight and the rest of this guide will make more sense.

Can your business pass the quick-qual test?

Issuers won’t approve an EIN-only card just because you set up an LLC. They look for three things:

1. Proper entity status. You need a registered corporation or LLC with an active EIN; sole proprietors have far fewer options.
2. Solid finances. Most corporate cards set a cash or revenue floor. Ramp asks for at least $25,000 in a linked U.S. bank account. Brex wants $50,000 on hand or credible venture backing for monthly terms, according to NerdWallet. Revenue-based products such as the FairFigure Capital Card start lower, about $2,500 in monthly sales, according to CreditSuite.
3. A verifiable track record. Issuers favor steady deposits over a long history. A three-month-old SaaS with clean books can beat a two-year-old firm that bounces payments. Connecting your primary bank account gives underwriters real-time insight into that consistency.

If you meet all three marks (entity, funds, and history), approval odds improve. Miss one, and you may need a secured card or a product that requires a personal guarantee while you build the missing piece.

The cards that truly skip your SSN

Use the chart below to compare business cards that accept an EIN without pulling your Social Security number. It lists minimum qualifications, key fees, rewards, and where each account reports so you can spot deal-breakers quickly.

FairFigure Capital

FairFigure underwrites the business only, not your personal credit, making it a true EIN-first option. You’ll typically qualify with $2,500+ in monthly revenue, pay no annual fee, and use a $30/month platform subscription. Rewards focus on vendor cash back, and reporting hits D&B, Experian, Equifax, and CreditSafe—great for building a full-file business credit footprint strictly under your EIN.

Ramp Corporate

Ramp is a fee-free corporate charge card that evaluates your company’s cash position (usually $25,000+ in U.S. business bank accounts). It’s paid-in-full, delivers a flat 1.5% cash back plus strong partner perks, and reports to D&B, Experian, and Equifax. If you want software-driven controls and bureau reporting without tying your personal credit, Ramp fits the EIN-only bill.

Brex Card

Brex leans on business financials and funding (e.g., $50,000+ bank balance or VC backing) rather than your personal credit. There are no fees, and rewards can reach up to 7× on categories like software, rides, and travel. Brex reports to D&B, Experian, and Equifax, making it a strong EIN-only choice for funded or cash-rich companies optimizing points.

BILL Divvy Card

Divvy (by BILL) bases approval on business finances—about $20,000 in linked accounts or comparable revenue—without requiring a personal guarantee. There’s no annual fee, FX is 0.9%, and rewards range 1–7× depending on payment cadence. It reports to the SBFE network (not the big three), so it’s excellent for EIN-based spend controls and budgeting; pair with another bureau-reporting card if you want D&B/Experian/Equifax trade lines.

Coast Fleet

Coast is purpose-built for fleets and field teams and underwrites on your EIN and fuel spend patterns. Pricing is a simple $4 per active card with straightforward 4–10¢ per gallon savings. It reports to SBFE and scales limits as you build clean history—an authentic EIN-first route for businesses managing vehicle fuel and maintenance spend.

Capital on Tap

Capital on Tap can sometimes approve on business strength with only a soft personal check, but it may require a personal guarantee if your business file is thin. There’s no annual fee and you earn 1.5% cash back, with reporting to Experian and Equifax (business). Treat it as an EIN-forward option that isn’t always purely EIN-only; strengthen your business file first to reduce the odds of a PG.

No-PG promises vs. reality

The slogan says, “No personal guarantee, no credit check.” The contract often says something else.

Myth 1: No PG means zero personal liability.
Skipping a guarantee shields your home and savings from routine defaults, but it does not protect you from fraud or misuse. Lenders can still sue the business and, if fraud is proven, hold the owners responsible. Chase notes that true no-PG business cards are “few and far between” and still expect strong corporate finances.

Myth 2: EIN-only equals easy approval.
Issuers that ignore your SSN focus on bank balances and revenue. Ramp usually requires at least $25,000 in a linked account, while Brex wants $50,000 or credible venture backing, according to Chase. If the numbers do not add up, approval will not happen.

Myth 3: Every business card builds business credit.
Reporting is voluntary. Many vendor accounts never send positive data, and major issuers often report only severe delinquencies to consumer bureaus, according to NerdWallet. Treat issuer disclosures as your checklist. FairFigure publishes that card payments report to Equifax Commercial, Creditsafe and the SBFE, and that its 30 dollar monitoring subscription is reported as a separate vendor tradeline. Look for that level of specificity before you apply and confirm whether activity also reaches Dun & Bradstreet or Experian Business.

Myth 4: No-PG cards have no downside.
Charge cards must be paid in full each cycle. Fuel cards include per-card fees. Credit-builder products add monthly subscriptions. A zero-interest headline does not erase transparent pricing (no-surprise fees).

Bottom line: Read the terms, verify where activity reports, and treat “no personal guarantee” as one factor; it is not permission for sloppy spending.

Build business credit without tripping over risk

Business credit grows much like personal credit: steady use, on-time payments, and regular monitoring. The stakes are higher, though, because one late invoice can raise supplier prices or insurance premiums.

• Automate payments. Enable auto-pay for at least the statement balance. When a card sweeps weekly or daily, keep a cash cushion in the linked account.
• Monitor monthly. Dun & Bradstreet’s free CreditSignal and Experian’s BizVerify let you spot changes at no cost. Paid dashboards from Nav or FairFigure combine multiple scores in one view.
• Separate every purchase. Use the EIN-only card only for legitimate business expenses and push receipts to your accounting software the same day; a clear audit trail supports the corporate veil.
• Match credit tool to need. Charge cards suit 30-day float, not long-term financing. If you’re tempted to fall back on a high-APR personal card, this comparison of Credit One Bank credit card alternatives highlights EIN-only options that protect your personal score while keeping fees in check

Follow these habits and your business credit profile can strengthen while personal liability stays contained.

Conclusion

EIN-only business credit cards can protect your personal FICO and still fuel company growth—but only if you meet each issuer’s cash-flow, entity, and history requirements. Compare programs carefully, confirm where payments report, and choose the card whose limits, fees, and controls match your firm’s stage. Build credit methodically and both your business and personal finances will stay on solid ground.

1) What’s the real difference between “EIN-only,” “no personal guarantee,” and “no personal credit reporting”?

EIN-only means the application and underwriting are based on the company’s tax ID and business financials, not your SSN. No-PG means you don’t personally guarantee the debt (liability sits with the company). No personal reporting means routine activity doesn’t hit your consumer bureaus (Equifax/Experian/TransUnion), even if you did sign a PG. Marketers mix these up; a card can be no-PG yet still soft-check the owner, or EIN-only but report only to business bureaus.

2) Will I still be asked for my SSN on an EIN-only application?

Possibly for identity/KYC—many banks request an SSN to verify the beneficial owner—but that’s different from a personal credit pull. The cards highlighted here that are truly EIN-only underwrite the business and do not use your personal credit history for approval or ongoing limits.

3) What do issuers usually require in 2025 to qualify for EIN-only cards?

Expect proof of an LLC/Corp with an active EIN, clean banking, and minimum cash-flow thresholds. As a shorthand from the guide: Ramp often looks for ~$25,000 in a linked U.S. business account; Brex favors ~$50,000 on hand or credible VC backing; Divvy is around ~$20,000 linked or comparable revenue; FairFigure starts near $2,500 in monthly sales; Coast wants active EIN plus regular fuel spend; Capital on Tap can approve on business strength but may require a PG for thin files.

4) Which of these cards actually build my business credit profile, and where do they report?

Reporting varies: FairFigure says it reports to D&B, Experian, Equifax, and CreditSafe; Ramp and Brex report to D&B/Experian/Equifax; Divvy and Coast report to the SBFE network; Capital on Tap reports to Experian and Equifax (business). Give bureaus one to two statement cycles to reflect new tradelines, and verify current disclosures before you apply.

5) Are these charge cards or revolving credit, and how does that affect cash flow?

Several options operate as charge cards (pay-in-full each cycle) with limits tied to cash on hand and real-time risk models—great for short-term float but not long-term financing. Others feel more like traditional credit cards with straightforward cash-back structures; always confirm whether you must PIF, any per-card/platform fees, and foreign-transaction costs so your cash plan matches the product.

6) Will using an EIN-only card protect my personal credit in every scenario?

It protects you from routine reporting to consumer bureaus and, with true no-PG, from standard collection if the business defaults. But personal credit can still be at risk if you signed a PG, and owners can be liable for fraud or misuse. Bottom line: pick a product that fits your stage, pay on time (automate it), and monitor D&B/Experian/Equifax/SBFE so you’re actually building the business file you care about.