Best Business Credit Cards with EIN Only (& How to Get Them)

We checked out a number of business credit cards with EIN only and did the research for you. So here are our top picks. 

Cards for EIN (employer identification number) only most likely will not report to the personal credit bureaus. This is because the card issuer should only be using your Social Security Number for identification purposes and not to check for a personal credit score.

The Best Business Credit Cards with EIN Only Comparison

Benefits vary. So, make sure to choose the benefit you would prefer from this array of alternatives.

What Constitutes an “EIN Only” Card

Attempting to find a true EIN-only business credit card will often lead you to business credit cards that aren’t as described. There are many that are touted as EIN-only, but only for companies that can circumvent the traditional credit checks and personal guarantees. 

How do we define an EIN-only card? The cards we’ve chosen on this list are EIN-only because they:

• Only assess your business credentials when you apply. Your business information is all that’s needed to acquire a card. 
• Require no personal credit check during the application or require your SSN for identity verification only. A true EIN-only card won’t require your SSN in any capacity. 
• Require no personal guarantee. Signing a personal guarantee puts your personal assets at risk, which defeats the purpose of an EIN-only card. 
• Do not report to personal credit bureaus. Many traditional institutions report business credit card activity to personal credit bureaus, even if it’s only negative activity. 

How Did We Choose the Best Business Credit Cards With EIN Only?

We evaluated the most popularly reported EIN-only cards online, taking care to research terms, documentation, and reach out to customer service to confirm that cards did not require personal guarantees or personal credit checks. 

We prioritized those cards that can be secured with an EIN only, focusing primarily on those that cater to small businesses and offer the best terms and rewards programs. 

Bear in mind that some of these are EIN-only when meeting certain conditions, whereas others are EIN-only for all small business applicants. 

1. The FairFigure Capital Card 

FairFigure Capital Card Key Facts:

• Annual Fee: $0
• Late Fees: They do charge late fees, but no word on how much.
• Other Fees: $30/month for FairFigure business credit monitoring, which allows you to access the card.
• Personal Guarantee Required?: No
• Reports Card Activity to: D&B, Equifax, CreditSafe, the SBFE, and FairFigure’s own Foundation Report. 
• Rewards (Verified April 2025):
  • Cash back on eligible vendor purchases.
• Qualification Requirements:
  • At least three months in business. 
  • At least $2,500 in recurring monthly revenue. 
  • A minimum FairFigure Foundation score of 25. 
  • Daily balance of $200 or more (recommended). 
• Application Process:
  • Verify your business. 
  • Provide them with your business information and 
• Where to Apply: Online
• Approval Timeline: Up to three days for verification, may offer same-day funding.

The FairFigure Capital Card is a business credit builder card that also comes with a real line of credit. That’s right – it’s an EIN-only, no personal credit check card that gets you funding, too. 

Which is why we included it first on this list. You don’t have to have any business credit, and you can qualify. The credit line is based solely on your business’s revenue. If you don’t have enough, you’ll qualify once you hit $2,500 per month in recurring revenue.

For those looking to build business credit, consider that the card reports payments to Equifax Commercial, Creditsafe, and the SBFE – but not to the personal credit bureaus. (Remember that the SBFE reports payments to other business credit bureaus, including Dun & Bradstreet and Experian Business.)

What’s the catch? There are no security deposits or annual fees, but the card does require a $30 per month fee. This also gives you access to their business credit monitoring service, whose payments also get reported to the business credit bureaus. So this one card gives you two business credit tradelines to build your business credit score and carefully monitor it.

The other catch is that the card’s financing terms are short-term: either 4- or 8-week payback plans. The flip side is that you won’t get into big debt traps like you can with a normal credit card.

We spoke with Lauren at FairFigure to clarify late fees and other qualification terms. She confirmed there are late fees, although she did not expand on what those are. She also added the need for a FairFigure Foundation score of 25 and an ideal daily balance of $200 or more in your linked account. 

2. Rho Corporate Card

Rho Corporate Card Key Facts:

• Annual Fee: $0
• Late Fees: 3% late fee on a delinquent balance for up to six months.
• Other Fees: No
• Personal Guarantee Required?: No
• Reports Card Activity to: “Small business credit bureaus at our discretion”
• Rewards Structure (Verified April 2025):
  • Up to 1.25% cash back with 1-day card. 
  • Up to 1% cash back with 30-day card. 
  • Up to 2% cash back with Rho Platinum.
• Qualification Requirements:
  • Business incorporated in the United States. 
  • Must be a U.S. Person as defined by U.S. regulations.
  • Meet the minimum deposit requirement at the time of opening ($250,000 recommended), which may be waived at ADM’s discretion. There is no minimum annual revenue requirement. 
• Application Process:
  • Reach out for an initial consultation with one of their Rho business banking specialists. This will give you more insight into the application and allow you to ask questions. 
  • Apply, providing basic business information and supporting financial information. 
  • Begin the Rho onboarding process and start using your card. 
• Where to Apply: Online
• Approval Timeline: Approval may be as fast as one to two days after applying. 

The Rho Card is an EIN-only corporate charge card for business owners in need of funding. It’s part of the broader Rho financial product ecosystem, which offers checking and savings accounts, expense management solutions, and more. 

Being a corporate charge card, the Rho corporate card offers no annual fee and no APR. Unlike some other corporate cards, you can typically expect to incur a 3% fee on any delinquent balance for up to six months. 

They also offer a scalable credit limit that changes with your needs. This will be crucial as you’ll need a higher credit limit when your business grows. 

The Rho corporate card offers benefits like 1.25% cash back on each eligible purchase, no personal guarantee (and no impact on your personal credit score as there is no personal credit check or credit pull, as per the FAQs on their website), and the ability to assign unlimited numbers of virtual cards to employees in your organization. 

These are accompanied by the numerous features associated with your card account. Rho makes it simpler to track advertising spend, manage client budgets, control who has access to the corporate credit card accounts, and beyond. 

Their eligibility standards are fairly relaxed. They approve businesses from the average small business owner to middle-market businesses. They also boast no minimum annual revenue requirements. They’re easier to qualify for than other corporate cards.

However, they will not offer services to sole proprietorships or unincorporated businesses. 

We reached out to Rho for more information about credit reporting for these corporate cards. Julieth with Rho Client Service, reached out and stated, “Kindly note that we currently report to small business credit bureaus at our discretion”. It seems they do report, but that it’s subject to change, and there are no clear or consistent reporting practices. 

Keep this in mind if you’re using cards to boost your business credit scores.

3. AtoB Flex Fuel Card

AtoB Flex Fuel Card Key Facts:

• Annual Fee: No.
• Late Fees: 3% of the overdue card balance, with a minimum penalty of $35.
• Other Fees: $35 account set-up fee, $15 per month for 1-5 cards ($3 per month per additional card), $3 per month for AtoB Premium (optional). 
• Personal Guarantee Required?: No.
• Reports Card Activity to: Experian
• Rewards Structure (Verified April 2025):
  • Regular Discounts: Discounts of 45 cents and up to $2.00 off per gallon on truck diesel, up to 5 cents per gallon on unleaded with the AtoB Discount Network.
  • Premium Discounts: Up to an additional 21 cents per gallon through AtoB FuelMap. 
• Qualification Requirements:
  • You need to be an incorporated business in the U.S. 
  • You need to operate a fleet for your business. 
• Application Process:
  • Gather Documentation: EIN, driver’s license, proof of revenue (bank statements) from the last three months. 
  • Upload information to the online application, which should be done in minutes.
• Where to Apply: Online
• Approval Timeline: One to seven days. 

The AtoB fuel card is an excellent fleet card to consider if you want to secure funding, save on travel expenses, and build your credit, all at the same time. 

The AtoB fuel card, specifically the AtoB Flex Card (the other fuel card is a prepaid card), costs $15 a month for one to five cards and an additional $3 per month for each subsequent month. Alongside the $35 setup fee and the additional Premium subscription, should you choose to buy it, this can be a sizable amount to pay in fees. Weigh this carefully to make sure this is the right fleet card for you. 

With your AtoB Flex Card, you can tap into discounts of anywhere from 45 cents and up to $2.00 off per gallon on truck diesel, as well as up to 5 cents per gallon on unleaded with the AtoB Discount Network. Signing up for Premium can help you save an additional 21 cents per gallon at eligible locations. 

AtoB requires no personal guarantee or SSN. They also report to Experian to help you build business credit. 

4. Brex Corporate Card

Brex Corporate Card Key Facts:

• Annual Fee: $0.
• Late Fees: A late fee equal to 2.99% of the delinquent balance, or USD $38, whichever is higher
• Other Fees: No. (Note: They don’t charge typical fees like foreign transaction fees or interest fees. However, their terms state, “Fees we assess may include periodic fees, fees for Card issuance or replacement, fees applicable to certain transactions, usage fees, service fees, cash advance fees, fees for late payments, fees for failed payments or returned payments, fees for misuse of the Services, or other fees we disclose to you.”)
• Personal Guarantee Required?: No.
• Reports Card Activity to: Equifax, Dun & Bradstreet, and Experian. 
• Rewards Structure (Verified April 2025):
  • 7x points on rideshare. 
  • 4x points on Brex travel. 
  • 3x points on restaurants. 
  • 2x points on software. 
  • 1x points on the rest. 
  • Additional discounts with Brex partners. 
• Qualification Requirements:
  • Valid U.S. incorporation.
  • Physical U.S. address. 
  • Brex states, “Brex rejects the traditional underwriting methods, and focuses instead on: revenue, funding, expenses, and size.” With that being said, larger businesses with consistent revenue, outside funding, and larger cash reserves are most likely to be approved. 
• Application Process:
  • Gather Documentation: Brex may ask you for your ID, SSN, account details verification, company website, EIN, license and registration, IRS letter, and business description. 
  • Select the Brex card. 
  • Verify your business. 
  • Apply for financial services (You can read the full breakdown here). 
• Where to Apply: Online
• Approval Timeline: Within minutes, as per their FAQs. 

The Brex corporate card is one of the more robust EIN-only corporate charge cards on the market. They do not require a personal guarantee, as stated on their homepage, and no personal credit check, as stated in other resources.

As with Rho, Brex’s corporate card is a part of their broader financial ecosystem. Brex users enjoy expense management features, automated accounting, and customized limits and card controls when they use the Brex card and Brex solutions. 

Brex offers 0% APR and has no annual fee. They offer up to 7x cash back. However, it’s important to note that cash-back benefits depend on the spending category. In reality, their cash-back rewards include the following:

• 7x cash back on rideshare.
• 4x cash back on Brex travel.
• 3x cash back on restaurants. 
• 2x cash back on software.
• 1x cash back on other eligible net purchases. 

They offer additional partner rewards as well. Brex cardholders can earn $5,000 in AWS credits and 3% cash back at Apple, for example. 

Brex reports to Dun & Bradstreet, Experian Business, and Equifax Business to boost your business credit score and help you establish business credit history. However, qualifying for the Brex card can be challenging. 

As stated on their website, “Brex rejects the traditional underwriting methods, and focuses instead on: revenue, funding, expenses, and size.” Still, they do prioritize larger businesses with consistent revenue, investor funding, and larger cash reserves. 

You could also consider a startup business loan, a secured business credit card, or other options on this list if you don’t qualify.

5. For Travel: Shell Small Business Card

Shell Small Business Card Key Facts:

• Annual Fee: No.
• Late Fees: Yes.
• Other Fees: No.
• Personal Guarantee Required?: No (if you meet qualification requirements).
• Reports Card Activity to: Experian, Equifax, Dun & Bradstreet. 
• Rewards Structure (Verified April 2025):
  • Save up to 25 cents per gallon up to six months for new accounts, up to six cents per gallon at Shell stations only after.
  • 15% off maintenance services at participating Jiffy Lube locations. 
  • Earn Fuel Rewards as you spend. 
• Qualification Requirements:
  • $1,000,000 annually. 
  • At least one year in business. 
• Application Process:
  • Select your desired payment plan to begin the 10/11-step application process. 
  • Provide Shell with the requested personal and business information. 
  • Provide Shell with requested documentation and clarifying details (number of vehicles you operate, financial statements, fuel spend, etc.)
• Where to Apply: Online (You can select “pay in full” or “pay over time” to begin the process)
• Approval Timeline: One to seven days. 

Set spending limits and categories for employees with the Shell Small Business Credit Card, now the Shell Business Card. They offer a promotional discount of up to 25 cents per gallon. After, you can earn rebates of up to 6 cents per gallon and get discounts of up to 15% at participating Jiffy Lube® locations. 

There are no card fees, but there are late fees, as confirmed by Bernard at customer support, although he did not state how much.

Their application does not call for a personal guarantee and may only require your EIN if you meet the qualification requirements, which were reported by Bankrate. Otherwise, this card is not strictly EIN-only. This is important to know in advance. Other fleet cards may be more attainable for your business. 

Previously, third-party resources like WalletHub stated that the Shell Small Business Card reported to Equifax, Experian, and Dun & Bradstreet. It’s likely that this hasn’t changed, although we were unable to confirm as customer support attempted to move us through the application process without answering many questions. 

6. Coast Fuel Card

Coast Fuel Card Key Facts:

• Annual Fee: $0.
• Late Fees: A late fee equal to the greater of 2.5% of all amounts past due and $35. If you go another 31 days without paying, an additional late fee equal to the greater of 5% of the total overdue balance on the date the fee is assessed and $35
• Other Fees: $4 per active card per month, returned payment fee of $35, additional expedited shipping charges for your card (optional).
• Personal Guarantee Required?: No.
• Reports Card Activity to: The SBFE.
• Rewards Structure (Verified April 2025):
  • Rebates of up to 10 cents per gallon, with rebates of 4 to 10 cents per gallon at brands like Exxon, Mobil, 7-Eleven, Speedway, Casey’s, Circle K, Shell, Stripes, and more.
  • 1% cash back on all payments made at merchants outside of gas stations. 
  • Statement credit after signing up and keeping your account in good standing while focusing on minimum spend. 
• Qualification Requirements:
  • Must be an incorporated business in the U.S.
  • Must operate a vehicle fleet. They state their card is great “both for the 5-vehicle delivery fleet and for the 100-vehicle HVAC installation company.”
• Application Process:
  • Provide personal identification details and business details. 
  • Provide financial details like bank statements. They may also ask you for additional government-issued identification documents, accounting records, and utility bills. 
• Where to Apply: Apply online. 
• Approval Timeline: As fast as minutes, but conservatively anywhere from three to five business days. 

NOTE: The Coast Fuel Card says they may ask to perform a soft credit pull. To us, this indicates that you may be able to get this card without any type of pull on your credit. This is in comparison to other cards like the BILL Divvy Card, which makes it clear they will be conducting a soft credit pull when they process your application. 

The Coast Fuel Card is another fuel card worth considering if you have a fleet for your business. They help businesses of any size, regardless of whether you only have five cars in your fleet or 100. 

They only charge $4 per card a month, although they do have late fees you should be aware of. Applying for the Coast Fuel Card allows you to tap into discounts of anywhere from 4 to 10 cents per gallon at brands like Exxon, Mobil, and 7-Eleven, just to name a few. They offer 1% cash back for non-fuel expenses and a potential statement credit. 

They require no personal guarantee, which is highlighted at the top of their website. They report all transactions to the SBFE as per their FAQs, helping you build credit with your fleet card. 

The one thing we must point out is that they say they may ask to perform a soft credit pull. This means that it might be necessary, but you might be able to go without. We’ve included the Coast card in this list because of this. Other cards like BILL Divvy will perform a soft credit pull regardless when applying. 

The Perfect Business Credit Cards with EIN Only for You

You can get business credit cards with EIN only, but it will hinge on your credit history and scores. You should try to avoid a personal guarantee unless you will get a significant benefit from offering one.

But other than that, try not to volunteer a personal guarantee.

Only you can select which features you want and need in corporate credit cards. So make sure to do your homework. The best credit card for you and your credit history might not work for others.

Business cards can be very helpful for getting a small business loan or a business line of credit, so they are definitely worth your time.

And, as always, make certain to build credit in the recommended order for the best, fastest benefits.

Also read: Warning: Don’t Apply for Bank Credit Cards For Your Business Before You Read This