
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
If you don’t have a business credit score but you do have strong personal credit, you may qualify for a solid unsecured business card. When you apply, the provider will look at your personal credit.
Consider these cards if you have no business or personal credit, or if your personal credit isn’t where you want it to be.
If you’re worried you can’t get a business card with no or bad credit, first be clear on which type of credit you lack — personal or business credit.
You can likely still get an unsecured business credit card without a business credit score. A provider will look at your personal credit score when deciding whether or not to approve you.
It’s more difficult to get an unsecured business card without a personal credit score or with bad credit. A provider might not check your personal credit if you have strong business credit.
If you don’t immediately need a business credit card, start building your personal credit with a credit-building card. Once you improve your personal credit score, you can apply for most business credit cards.
A majority of business credit cards will check your personal or business credit before you can qualify. However, the Brex for Startups card is a new card that won’t check your personal credit. Instead, this card checks your personal income and other financial factors to determine eligibility.
A lack of a personal credit score or a bad credit doesn’t have to hold you back from getting a business credit card — just understand your options will be limited at first. As you build credit, you’ll qualify for better cards. When you get there, you can compare your full range of business cards.
Compare the best small business tax software if you’re self-employed, a freelancer, a partner and more.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Here are our top balance transfer picks for 2021.
Here are our top picks for 2021.
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.
Our top picks can help you build your credit without paying sky-high fees.
Our top picks for cards across 7 student categories, including international students, first-time cardholders and cashback.
The top cards often have cashback rewards of 5% or more. But which one is the best for you depends on how you spend.
Our top picks for cards with zero intro APR in 2021.
The Best TD Bank credit cards are solid, but nothing special.