Business owners seeking credit cards that rely solely on their Employer Identification Number (EIN) — without requiring a Social Security Number (SSN), personal credit check, or personal guarantee — typically turn to corporate charge cards. These differ from traditional small business credit cards, which often require personal liability.
Corporate cards evaluate your business’s financial health (e.g., revenue, cash balance) and are harder to qualify for, especially for new or small businesses. They usually require full payment each month (no revolving credit) and are best for established companies like LLCs or corporations (sole proprietors rarely qualify).
Here are the top EIN-only options as of late 2025:
- Ramp Corporate Card
- No personal guarantee or credit check.
- Unlimited 1.5% cash back on all purchases.
- High credit limits (often 20-30x higher than traditional cards).
- Built-in expense management tools, integrations, and unlimited virtual/employee cards.
- Requirements: Typically $25,000+ in business bank balance; US-based incorporated business.
- Ideal for: Growing businesses wanting automation and savings.
- Brex Card
- No personal guarantee or personal credit check.
- Rewards up to 7x points on categories like travel and software.
- High limits based on cash flow and revenue.
- Global acceptance, treasury features, and partner perks.
- Requirements: US EIN, incorporated entity; often $50,000+ bank balance (lower for venture-backed startups) or $1M+ annual revenue.
- Ideal for: Startups, tech/e-commerce companies, and venture-funded businesses.
- Rippling Corporate Card
- True EIN-only approval with no personal guarantee or credit check.
- 1.75% cash back on eligible purchases.
- Integrates with payroll, HR, and IT for automated expense tracking.
- Requirements: Based on business revenue, cash flow, and bank health.
- Ideal for: Companies using or considering Rippling’s all-in-one platform.
- Rho Corporate Card
- No personal guarantee or personal credit impact.
- Up to 2% cash back (with premium plans).
- Unlimited virtual cards and strong integrations.
- Requirements: Incorporated business with solid financials.
- Ideal for: Mid-sized companies focused on banking and spend management.
- Stripe Corporate Card
- No personal guarantee or fees.
- Cash back on purchases.
- Seamless for Stripe users.
- Requirements: Tied to payment processing history.
- Ideal for: E-commerce businesses already on Stripe.
Other mentions include BILL Divvy, FairFigure, and specialized fleet/store cards (e.g., Coast or AtoB for fuel), but they may have niche uses or varying rewards.
These cards protect personal assets by keeping liability at the business level. Qualification depends on your company’s strength — not personal credit — so newer or smaller businesses may need to build revenue first. Always check the issuer’s site for the latest terms, as requirements can change. If your business doesn’t qualify yet, consider building business credit through vendors or secured options before applying.
