Business Credit Cards with EIN Only in 2027: What's Real and What's Not

By American Business Center | Updated January 2027 | Business Loans

Most business credit card ads imply you can apply with just your business EIN. The reality is more nuanced. Some cards genuinely do not require a Social Security Number and do not check personal credit. Others require an SSN during the application process even if they advertise "EIN only." This guide explains exactly what each major option requires.

Cards that genuinely do not require an SSN

Ramp Corporate Card

Ramp does not require an SSN, does not check personal credit, and reports only to business credit bureaus. Approval is based on the business's bank balance — Ramp requires $25,000 in a business bank account. It is a charge card (full balance due monthly), not a revolving credit card, so it does not help with cash flow the way a credit card does. Best for: established businesses with strong cash position who want expense management tools with no personal credit impact.

Brex Corporate Card

Brex (now focused on larger companies) has historically approved corporate cards with no personal guarantee or personal credit check, based on bank balance or venture capital funding. Brex's current focus is on companies with $1M+ ARR or venture-backed startups with significant funding. For typical small businesses, Brex is less accessible than it was in earlier years.

Sam's Club Business Credit Card

The Sam's Club Business Mastercard has historically approved accounts based primarily on business credit (D&B Paydex) for businesses with established business credit profiles. No SSN required for applications submitted through the business credit process, though personal credit may still be reviewed.

Cards that claim "EIN only" but require SSN during application

Most small business credit cards from major issuers (Chase, Amex, Capital One, Citi) advertise that you can apply with your EIN but require your SSN during the application process for identity verification and personal credit review. The personal credit check is mandatory for new businesses or sole proprietors.

This is not necessarily bad — these cards often have better rewards, lower APRs, and higher limits than truly EIN-only cards. The personal credit check is just a reality to understand before applying.

Best business credit cards by profile

Card	Personal Credit Required?	Min. Business History	Best For
Ramp	No	Any (needs $25K cash)	Expense management, no PG
Divvy (BILL)	Soft pull	Any	Building business credit
Chase Ink Business Cash	Yes (680+)	Preferred 1+ yr	Cash back, rewards
Amex Blue Business Cash	Yes (660+)	Preferred 1+ yr	2% cash back, Amex relationship
Capital One Spark Miles	Yes (680+)	Any	Travel rewards
Secured business cards	Minimal review	Any	Building credit from scratch

How to get a business credit card with no personal guarantee (over time)

Building to a truly no-personal-guarantee business credit card requires 2–3 years:

1. Register DUNS number and business with Experian Business (Months 1–2)
2. Open 3–5 net-30 trade accounts that report to D&B (Months 2–8)
3. Get to Paydex 75+ with Divvy or Ramp (Months 6–12)
4. At 80+ Paydex with established business credit file, apply for cards that use business credit primarily (Months 18–36)

Bottom line

The only cards that genuinely require zero personal credit check in 2027 are Ramp (requires $25K bank balance) and corporate cards designed for VC-backed companies. For most small businesses, the path to EIN-only lending is building a real business credit profile over 12–24 months. In the meantime, cards like Divvy and secured business credit cards build business credit while requiring minimal personal credit review.