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Check out these robust options for starter credit cards to help build your credit score if you are a business owner without a credit history.
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Finding the right business credit card is no easy feat. Add in a lack of business credit score or established credit history, and your search just got even tougher. There are very few no credit history credit cards for businesses.
Thankfully, you aren’t completely out of luck. You can still get a business credit card without a credit history.
We’ve done the hard part of wading through dozens of cards to bring you the best no credit history credit cards. While you won’t find as great of rewards as you would with the best business credit cards, you will still have the option to purchase on credit and a way to improve your credit score so that you can unlock better rewards and terms down the road.
Learn More About Our Top Picks
| Company | Best For | Next StepsBest For |
|---|---|---|
Brex
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Discover it Secured
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Revenued
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Platinum Secured from Capital One
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Citi Secured Mastercard
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| Show More Options | ||
Credit One Platinum Visa For Rebuilding Credit
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Spark Classic from Capital One
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| Show Fewer Options |
Read more below to learn why we chose these options.
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Table of Contents
The primary way people can build up their credit scores and establish a healthy credit history is to make monthly credit card payments on time. But if you’re a new business owner without a credit card or business credit history, you might wonder: How do you build up your credit when you don’t have a credit card in the first place?
While it’s not easy to find business credit cards with no credit history, thankfully, there are several business cards out there that you can get without a credit score.
To find a no credit history business credit card, you’ll need to look into two primary options: corporate cards and secured cards.
Corporate cards offer great benefits and employee spend controls, and even better, there’s no credit check or personal guarantee required. You will have to meet strict eligibility requirements and proof of large annual revenue or cash or hand to qualify for the best corporate credit cards. If you don’t have those, your next best option is a secured card.
With a secured credit card, you’re not likely to get many rewards, but you’ll at least have a business credit card without a good credit score. You’ll need to pay a set security deposit amount which isn’t ideal, but you can use this type of card to build your credit history so that you can apply for more competitive cards down the road. Unsecured business credit cards with no credit history are very difficult to find, though there are a couple of these options out there.
It can be difficult to find startup business credit cards with no credit history, but it’s not impossible. The following credit cards can be obtained with no credit history and can be used to cover business expenses.
| Monthly or Annual Fee | Rewards Rate | APR | Security Deposit | Revenue | |
|---|---|---|---|---|---|
| Brex | $0 | 1x - 8x | N/A | N/A | $1 million+ |
| Discover it Secured | $0 | 1% - 2% cashback | 27.24% (variable) | $200 security deposit | N/A |
| Revenued | $0 | N/A | N/A | N/A | $20,000+ monthly cash flow |
| Platinum Secured from Capital One | $0 | None | 29.74% (variable) | $49, $99, or $200 refundable deposit | N/A |
| Citi Secured Mastercard | $0 | N/A | 26.74% (variable) | $200 - $2,500 security deposit | N/A |
| Credit One Platinum Visa For Rebuilding Credit | $75 for the first year; $99 thereafter (billed monthly) | 1% cash back | 29.49% (variable) | N/A | N/A |
| Spark Classic from Capital One | $0 | Unlimited 1% cash back | 29.74% (variable) | N/A | N/A |
Pros
Cons
Brex set out to disrupt the traditional credit card underwriting model with its startup-friendly unsecured business credit card. To qualify for the Brex corporate card, you do not need any credit history whatsoever, as Brex does not check your credit score.
Instead, the company takes into account factors such as your cash balance, your spending patterns, and your investors. As such, it is geared toward the needs of startups (especially tech startups) with high growth potential. The Brex Card also does not require a personal guarantee, so you won’t be held personally liable for any business debt, making it a top choice on our list of no credit history cards.
Discover it Secured |
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Annual Fee
$0Minimum Credit Score Requirements
N/ARewards Rate Range
1% - 2%Pros
Cons
The Discover it® Secured card is a traditional credit-building card in that it requires a $200 security deposit, which will become your credit limit. Like most cards operating in this space, the card reports to the three major credit bureaus.
Unlike most other cards on this list, Discover it® has no annual fee, actual rewards earning, and the ability to upgrade to an unsecured card at 7 months, earning this card our top recommendation as the best no credit history secured card for businesses.
Get Started With Discover it Secured
Pros
Cons
The Revenued Business Card is a business card that gives you access to a Flex Line, a revenue-based spending line. There are no credit checks or personal guarantees for this credit card.
Businesses with solid revenues may qualify for a Flex Line up to $750,000. This is an excellent opportunity for businesses that have no credit or poor credit to receive the funding they need quickly -- provided they've been in operation for at least 1 year and have $20,000+ monthly cash flow.
Platinum Secured from Capital One |
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Annual Fee
$0Minimum Credit Score Requirements
Rebuilding creditRewards Rate Range
NonePros
Cons
The Secured Mastercard from Capital One offers an unusual benefit for a secured credit card: You may be able to get a credit limit higher than the amount of your security deposit. If you're approved, you'll get an initial $200 credit limit, but you'll have to pay a $49, $99, or $200 refundable deposit, depending on Capital One's assessment of your creditworthiness.
You can also get access to a higher credit line after making your first five monthly payments on time. Combine this with the fact that the card charges no annual fee, and we're happy to give the Capital One Platinum Secured card a spot on this list.
Get Started With Platinum Secured from Capital One
Citi Secured Mastercard |
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Annual Fee
$0Minimum Credit Score Requirements
Building creditRewards Rate Range
N/APros
Cons
The Citi Secured Mastercard is another secured credit card -- one intended for people with no credit or limited credit history. The card requires a security deposit of between $200 - $2,500 security deposit, which will be the basis for your credit limit.
Citi will report your credit activity to the major consumer credit bureaus, so with responsible card use, the Citi Secured Mastercard can help you qualify for a quality unsecured credit card somewhere down the road. There's also built-in FICO score access to watch your credit grow.
Get Started With Citi Secured Mastercard
Credit One Platinum Visa For Rebuilding Credit |
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Annual Fee
$75 for the first year; $99 thereafter (billed monthly)Minimum Credit Score Requirements
Rebuilding creditRewards Rate Range
1%Pros
Cons
The Credit One Bank Platinum Visa for Rebuilding Credit is an unsecured credit option for borrowers with bad/limited credit who can't or won't pay a security deposit. However, you might not want to make this card your first choice due to the fees involved. If you are approved to get this card, you'll have to pay an annual fee immediately, thus reducing your credit line right off the bat. Unfortunately, after the first year, your annual fee rises and is paid monthly.
Nonetheless, as one of the few unsecured credit card options available to business owners with no credit history, the Credit One Platinum Visa merits consideration.
Get Started With Credit One Platinum Visa For Rebuilding Credit
Annual Fee
$0Minimum Credit Score Requirements
FairRewards Rate Range
1% - 5%Pros
Cons
The Spark Classic card from Capital One comes with impressive business perks, such as free cards for your employees, unlimited 1% cash back, and instant approval, which is great if you need some business spending flexibility ASAP.
This unsecured card (no deposit required) also helps you build your business credit score, as the Spark Classic reports to the business credit bureaus (but not the personal ones). However, while you may be able to get approved for the card with no credit history, you'll have a better chance of approval if you have at least some credit history.
Get Started With Spark Classic from Capital One
When it comes to choosing the best business credit card with no credit history, your job is actually easier than usual because there are so few credit card options that accept no credit history. The main decision you’ll have to make is looking at your finances to see if you have the revenue or cash on hand (or equivalent owner’s equity) to qualify for a corporate card.
If you qualify for a corporate card, this is definitely your best option. You’ll get access to much better rewards, like cash back and partner discounts, with a corporate card than you would with a secured card. Learn how to get a corporate card if this is you.
However, if you don’t qualify for a corporate card, you’ll next want to look at which card you do qualify for with the best rewards, APR, and fees. While you’re likely to encounter few fees and high APRs, there may still be some perks for a specific card that make it stand out for your business’s specific use case. The good news is that you aren’t locked into a secured card forever. You can use this to improve your credit so that you can qualify for better business credit cards in the future.
Additionally, many issuers of secured credit cards will let you upgrade to an unsecured credit card after you’ve used your card responsibly over a certain period of time.
To get a business credit card with no credit history, you’ll need to make sure you have all of your other ducks in a row. You often will be asked to provide certain personal and business information, financial reports, and/or funds for a deposit in order to secure a credit card. Having all of this prepared ahead of time can really help you showcase your eligibility to a card issuer and make the process easier for you overall.
Our other tips and tricks for how to get a business credit card with no credit history include:
Additionally, there are many different no-credit personal credit cards you can get if you’re willing to use a personal credit card for business use. While there are pros and cons to this approach, it could still be a viable option for businesses that need access to credit but have no credit history or low credit scores.
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