9 Best Business Credit Cards Without a Social Security Number

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A complete, senior-friendly guide to EIN-only corporate cards, ITIN-accepted business cards, and secured options — with every verified contact, requirement, and step-by-step path to getting approved.

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Yes — You Can Get a Business Credit Card Without an SSN

There are three distinct paths: (1) EIN-only corporate cards for registered businesses with strong financials — no SSN ever needed. (2) ITIN-accepted cards from major banks including Chase, Capital One, and American Express — available to non-U.S. citizens and those without an SSN. (3) Secured business cards — require SSN but approval is based on your deposit, not your credit score. The right path depends entirely on your business structure and financial situation.

🆔 What You Need — EIN Path

Free EIN in Minutes at IRS.gov

IRS.gov: An EIN (Employer Identification Number) is free from the IRS — apply online at irs.gov/businesses/employer-identification-number and receive it immediately upon verification. Call 800-829-4933 for help. No cost, ever.

💰 Minimum Bank Balance — EIN Cards

$20,000–$50,000 Typically Required

Nav.com (Feb 1, 2026): BILL Divvy requires $20,000 min balance; Ramp requires $25,000; Brex requires $50,000. These corporate cards rely on your business cash position instead of your personal credit score or SSN.

🏦 Easiest Path for Most Seniors

ITIN-Accepted Cards — Chase, Cap One, Amex

WalletHub (2026): Chase, Capital One, and American Express accept an ITIN in place of an SSN for most business cards. You still get a full-featured rewards card — just with your ITIN instead of your SSN.

🗺️ The Three Paths — Which One Is Right for You?

Path	Who It Is For	SSN Required?	Key Requirement	Best Pick
Path 1 — EIN-Only Corporate Card	Registered LLCs, corporations, partnerships with strong cash reserves	No SSN ✅	$20,000–$50,000 min bank balance; registered US business entity	Ramp · BILL Divvy · Brex
Path 2 — ITIN-Accepted Business Card	Non-U.S. citizens, immigrants, seniors without an SSN who have an ITIN	ITIN accepted instead ✅	ITIN from IRS (Form W-7, free); EIN for business; good personal credit history	Chase Ink Premier · Capital One Spark · Amex Blue Business
Path 3 — Secured Business Card	New/small businesses, sole proprietors, those building business credit from scratch	SSN or ITIN required	Security deposit ($1,000–$10,000); approval based on deposit, not credit score	Bank of America Business Advantage Secured

💡 Important Distinction: Corporate Cards vs. Business Credit Cards

There is a critical difference between a corporate card and a small business credit card. Corporate cards (Ramp, Brex, BILL Divvy) use your company’s financial health instead of your personal credit — no SSN ever required for underwriting. Small business credit cards (Chase Ink, Capital One Spark, Amex Blue Business) are designed for small business owners and typically require a personal credit check tied to an SSN or ITIN. Corporate cards also tend to require your business to be a registered LLC, S-Corp, or C-Corp — sole proprietors generally cannot qualify.

Sources: Nav.com (Feb 1, 2026): EIN-only vs. small business card distinction. NerdWallet (Feb 13 & 24, 2026): Ramp: not available to sole proprietors; BILL Divvy: available to sole proprietors. Ramp.com (Jan 29, 2026): corporate card vs small biz card definitions. Chase.com: Bank Secrecy Act / KYC identity verification requirements.

🏢 Path 1 — Best EIN-Only Corporate Cards (No SSN Required)

📋 Who Qualifies for EIN-Only Corporate Cards

To get a true EIN-only corporate card, your business must be a legally registered entity (LLC, S-Corp, C-Corp, or partnership) incorporated in the United States, with a U.S. business bank account meeting the minimum balance requirement, and a track record of business revenue or cash flow. Sole proprietors and freelancers are typically excluded. You will still provide the last 4 digits of an SSN for identity verification in some cases — but no personal credit check is run, and your personal credit score does not affect your approval or limit.

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🥇 Best Overall EIN-Only No Personal Guarantee No Annual Fee

Ramp Corporate Card

ramp.com · Free to apply online

SSN Required?

No SSN for underwriting. Last 4 digits of SSN may be asked for identity verification only — no credit check run.

EIN Required?

Yes — registered US business entity + EIN + US business bank account required.

Min Bank Balance

$25,000 minimum in linked business bank account.

Personal Guarantee?

None. ✅ Business is solely liable.

Cash Back

1.5% cash back on all purchases. No categories to track. Statement credit redemption.

Annual Fee

$0 annual fee.

Credit Reporting

Reports to D&B, Experian Business, and Equifax Business. Builds business credit. No personal credit bureau reporting.

Card Type

Charge card — balance paid in full each month (auto-debited from linked account).

Approval Time

Often within 24 hours. Virtual cards issued immediately upon approval.

Who Can Apply?

LLCs, S-Corps, C-Corps, partnerships. Not available to sole proprietors.

Best for: Established small-to-mid businesses wanting automated expense management, fast approval, zero personal liability, and simple flat cash back with no annual fee. Ramp also integrates with QuickBooks, Xero, and NetSuite. Note: Ramp does ask for last 4 digits of SSN from one corporate officer for identity only — it does not run a personal credit pull.

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Best for Sole Proprietors Soft Pull Only $1K–$5M Credit Line

BILL Divvy Corporate Card (BILL Spend & Expense)

bill.com/spend-and-expense · Formerly Divvy, rebranded after BILL acquisition

SSN Required?

Soft credit pull only — no hard inquiry, no impact on credit score. Sole proprietors may provide SSN or ITIN.

EIN Required?

Yes — registered US business + EIN required.

Min Bank Balance

$20,000 minimum in business bank account. Lowest among corporate cards.

Personal Guarantee?

None required. ✅

Credit Limit

$1,000–$5,000,000. Widest range of any EIN-based card. Grows with business.

Rewards

Points program: up to 7x on restaurants, 5x hotels, 2x software. Rate depends on payment frequency (weekly = best rates).

Annual Fee

$0 annual fee. Foreign transaction fee: 0.9%.

Who Can Apply?

LLCs, S-Corps, C-Corps, and sole proprietors. ✅ Most accessible of the corporate card options.

Key note (2026): BILL acquired Divvy in 2021 and rebranded the card as BILL Spend & Expense. The product is actively maintained. Rewards require spending at least 30% of credit limit monthly to retain points — track this carefully. Good-to-excellent business credit score (670–850) and 1–2 years operational history preferred for higher credit limits.

🚀

Highest Limits ⚠️ Acquired by Capital One Jan 2026 No Personal Guarantee

Brex Corporate Card

brex.com · Note: Capital One acquisition announced Jan 22, 2026 — closing mid-2026

SSN Required?

No SSN for underwriting. EIN only. Passport + proof of address accepted for identity in lieu of SSN.

EIN Required?

Yes — registered LLC or corporation required. Sole proprietors: excluded.

Min Bank Balance

$50,000 minimum (funded startups); higher for commercial businesses.

Personal Guarantee?

None required. ✅ Business only.

Rewards

Up to 7x on rideshare, 4x on flights and hotels, 3x on restaurants, 1x on all other purchases.

Credit Limits

Dynamic — set by real-time cash balance and revenue. Users report 10–20x limits of traditional cards. No preset ceiling.

Annual Fee

$0 annual fee.

Important 2026 update: Capital One announced its acquisition of Brex on January 22, 2026 in a deal valued at approximately $5.15 billion. The acquisition is expected to close mid-2026. This introduces uncertainty about underwriting requirements, pricing, and product direction going forward. If evaluating Brex, verify current requirements directly at brex.com before applying. Ramp (independent) is the lower-risk alternative for businesses that want certainty about product direction.

⛽

Fleet & Fuel Businesses EIN + Driver’s License Only

AtoB Flex Fuel Card

atob.com · Best for trucking, fleets, delivery businesses

SSN Required?

Not for approval. Requires EIN + driver’s license + 3 months of business revenue proof.

Personal Guarantee?

None required.

Rewards

Deep fuel discounts at nationwide network of retail fuel locations. Savings per gallon reported by AtoB.

Credit Reporting

Reports to all three business bureaus: D&B, Experian Business, and Equifax Business.

Best For

Trucking companies, delivery fleets, vehicle-dependent businesses that want to build business credit and control fuel spending.

The AtoB card is a specialized fleet/fuel card — not a general-purpose spending card. If your business primarily spends on fuel and vehicles, it is an excellent EIN-only option that also builds all three business credit profiles simultaneously.

Sources: Nav.com (Feb 1, 2026): Ramp $25K min, BILL Divvy $20K min, Brex $50K min; EIN-only overview. Ramp.com (Jan 29, 2026): Ramp Card — 1.5% cashback; no annual fee; D&B/Experian Business/Equifax Business reporting; 24-hr approval; last 4 SSN for identity only; not for sole proprietors. NerdWallet (Feb 13, 2026): BILL Divvy — $1K–$5M limit; soft pull; sole proprietors OK. Ramp.com (Jan 26, 2026): Capital One acquired Brex Jan 22, 2026, $5.15B, closing mid-2026; $50K min balance. Ramp.com (May 7, 2025): BILL Divvy requirements: 670–850 credit score; 1–2 yrs history; 30% min spend for rewards. Brex.com (2 weeks ago, 2026): AtoB EIN + license + 3mo revenue proof; all 3 business bureaus. Ramp.com blog (2026): Ramp vs. Brex/Divvy comparison.

🪪 Path 2 — Best Business Cards Accepting an ITIN Instead of SSN

💡 ITIN Path — Best for Seniors Who Don’t Have an SSN but Have a U.S. Business

If you are a non-U.S. citizen, a permanent resident who never obtained an SSN, or a foreign national running a business in the United States, an ITIN (Individual Taxpayer Identification Number) is the most widely accepted substitute. Major banks including Chase, Capital One, American Express, and U.S. Bank all accept ITINs for business card applications. You use your ITIN + EIN together — the ITIN verifies your identity and allows a personal credit check, while the EIN establishes your business identity.

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🥇 Best ITIN Business Card 2–5% Cash Back

Chase Ink Business Premier® Credit Card

chase.com/business · Apply online, by phone, or in person

ITIN Accepted?

Yes ✅ — ITIN accepted in place of SSN. Apply online, by phone (1-800-935-9935), or in person at a Chase branch.

EIN Required?

Yes — provide your business EIN alongside ITIN.

Cash Back

5% on travel through Chase; 2.5% on purchases $5,000+; 2% on all other purchases.

Welcome Bonus

$1,000 bonus cash back for spending $10,000 in first 3 months.

Annual Fee

$195/year.

Personal Guarantee?

Yes — standard personal guarantee as with most bank business cards.

Rated by WalletHub (2026) as the best business card for ITIN holders. The high cash-back rates and large welcome bonus make this the most rewarding ITIN-path option. Chase branch applications can be helpful if you encounter identity verification questions online.

💺

Best Miles Card — ITIN Straightforward Approval

Capital One Spark Miles for Business

capitalone.com · Easiest major bank approval with ITIN + EIN

ITIN Accepted?

Yes ✅ — Capital One is known for the most straightforward ITIN approval process among major banks.

Miles Earned

2x miles on all purchases. 5x miles on vacation rentals, rental cars, and hotels booked through Capital One Business Travel.

Annual Fee

$95/year (waived first year).

Other Benefits

Global Entry / TSA PreCheck fee credit. Zero fraud liability. No foreign transaction fees. Free employee cards.

UpgradedPoints.com (3 weeks ago, 2026): Capital One business cards are the most accessible major bank option for ITIN + EIN applicants — straightforward approval process compared to Chase. No-additional-cost employee cards useful for seniors running businesses with family members or staff.

💙

No Annual Fee 2X Points on Everything ITIN + EIN

Amex Blue Business Plus Credit Card

americanexpress.com/business · EIN + ITIN for non-SSN applicants

ITIN Accepted?

Yes ✅ — EIN + ITIN accepted for online application. No SSN required.

Rewards

2X Membership Rewards® points on all eligible purchases up to $50,000 per year, then 1X.

Annual Fee

$0 annual fee.

Cash Back Alternative

Amex Blue Business Cash Card: same structure, earns 2% cash back (up to $50,000/yr) instead of points. Also no annual fee. Also ITIN-accepted.

CNBC Select (Dec 2025): Blue Business Plus is the best no-annual-fee business card for ITIN holders. The 2X flat rewards rate on all purchases with no category tracking makes it an ideal simple-rewards card for seniors who want straightforward value without tracking bonus categories.

Sources: WalletHub (1 week ago, 2026): Chase Ink Premier — best business card with ITIN; $1,000 welcome bonus; 2–5% cash back. UpgradedPoints.com (3 weeks ago, 2026): Capital One Spark Miles — ITIN + EIN; 2x miles all purchases; 5x travel; straightforward approval. CNBC Select (Dec 2025): Amex Blue Business Plus — EIN + ITIN; 2X points/$50K/yr; no annual fee. Amex Blue Business Cash: 2% cash back/$50K/yr; no annual fee. NerdWallet (Feb 24, 2026): foreign nationals — apply with ITIN; may need to upload additional documents; some banks require in-person.

🔐 Path 3 — Secured Business Cards (Build Credit From Scratch)

💡 Secured Cards — The Best Option for New or Small Businesses With No Business Credit History

Secured business credit cards require a cash security deposit — typically $1,000–$10,000 — which becomes your credit limit. Approval is based on your deposit, not your credit score. These cards do require an SSN or ITIN (for identity and the personal guarantee), but they are the most accessible path for sole proprietors, very small businesses, or seniors who are just starting to build a business credit profile. All secured cards report to business credit bureaus, so every on-time payment builds your business credit history for future EIN-only or conventional cards.

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🥇 Best Secured Business Card No Annual Fee 1.5% Cash Back

Bank of America Business Advantage Unlimited Cash Rewards Secured

bankofamerica.com/smallbusiness · Call 1-888-287-4637

Security Deposit

$1,000 minimum deposit required. Deposit equals your credit limit.

Cash Back

1.5% unlimited cash back on all purchases. No annual cap.

Annual Fee

$0 annual fee.

Upgrade Path

Bank of America periodically reviews your account and may upgrade you to an unsecured card — returning your deposit.

SSN / ITIN?

SSN or ITIN required for personal guarantee. Personal credit check: yes.

Sole Proprietors?

Yes ✅ — Sole proprietors may apply.

NerdWallet (Feb 13, 2026): top pick for secured business cards. Best for seniors who are sole proprietors or have limited business credit history. The $1,000 minimum is the lowest entry point among secured business cards, and the 1.5% flat cash back with no annual fee is as good as many unsecured cards.

Sources: NerdWallet (Feb 13, 2026): Bank of America Business Advantage Unlimited Cash Rewards Secured — top secured pick; $1,000 min deposit; 1.5% cash back; no annual fee; upgrade path; call 1-888-287-4637. Nav.com (Feb 1, 2026): secured cards overview; First National Bank Business Edition Secured: $2,000–$10,000 deposit; $39 annual fee; 0.05% APY on deposit; Mastercard Easy Savings 40,000+ merchants. Ramp.com (Jan 29, 2026): secured cards report to business bureaus.

🆔 How to Get a Free EIN From the IRS — Step by Step

✅ Your EIN Is Free, Takes About 15 Minutes Online, and Is Issued Immediately

An EIN (Employer Identification Number) is your business’s federal tax ID. It is issued by the IRS, is completely free, and is required for almost all business financial accounts — including business credit cards. The IRS warns: never pay a third-party website for an EIN. The official free source is IRS.gov only.

Register your business entity first. Before applying for an EIN, your business must be legally formed — register your LLC, S-Corp, C-Corp, or partnership with your state. Sole proprietors can apply with just their name and address. Visit your state’s Secretary of State website or SBA.gov/business-guide for state-by-state registration guidance.
Apply for your EIN online at IRS.gov — completely free. Go to irs.gov/businesses/employer-identification-number and use the IRS EIN Assistant. The tool asks about your business structure, your role, and basic business information. Your EIN is issued immediately online upon verification — there is no waiting period for the online path. Available Mon–Fri 7am–10pm ET, Sat 7am–3:30pm ET.
Need help? Call the IRS Business & Specialty Tax Line. If you have questions about your EIN application or need to verify an existing EIN, call 1-800-829-4933 (TTY: 1-800-829-4059). Mon–Fri 7am–7pm local time. International businesses that cannot apply online should call 267-941-1099 (Mon–Fri 6am–11pm ET) — this is not a toll-free number.
Print or save your EIN confirmation immediately. The IRS recommends printing your EIN confirmation letter (CP 575) when it is issued online — it is not re-sent automatically. This letter is what banks and credit card issuers will want to see as EIN documentation. If you lose your EIN, you can retrieve it by calling 1-800-829-4933 and requesting Letter 147C.
Build your business credit profile at the major business bureaus. After getting your EIN, register a free DUNS number at dnb.com, and register with Experian Business and Equifax Business. These bureaus use their own IDs to track your business credit — the D-U-N-S Number (D&B), Business Identification Number (Experian), and Equifax ID — all separate from your SSN. Six months of on-time payments on any business account starts building a meaningful business credit score.

🏛️

Get Your Free EIN — IRS Official Contacts

IRS Business & Specialty Tax Line (EIN Help)

1-800-829-4933

irs.gov/businesses/employer-identification-number

TTY (hearing impaired): 1-800-829-4059. International businesses: 267-941-1099 (Mon–Fri 6am–11pm ET; not toll-free). Online EIN application (free, immediate): irs.gov/businesses/employer-identification-number — available Mon–Fri 7am–10pm ET, Sat 7am–3:30pm ET. Form SS-4 (Rev. Dec 2025) used for mail/fax applications. Mail processing: ~4 weeks. Fax with return fax number: ~4 business days. Never pay a third-party site for an EIN — the IRS service is always free.

🏢

Business Registration Guidance — SBA

U.S. Small Business Administration

1-800-827-5722

sba.gov/business-guide/launch-your-business/get-federal-state-tax-id-numbers

What they offer: Free guidance on registering your business entity and obtaining an EIN — with state-by-state steps for LLC, S-Corp, and sole proprietor filings. SBA resource partners (SCORE, SBDC) provide free in-person business mentoring in every state. Find a SCORE mentor at score.org or an SBDC at americassbdc.org — both are free federal programs that can walk you through the business registration and credit-building process step by step.

Sources: IRS.gov (confirmed): EIN free online; immediate issuance; Business & Specialty Tax Line 800-829-4933; TTY 800-829-4059; International 267-941-1099; Form SS-4 Rev. Dec 2025; mail ~4 weeks; fax ~4 business days; retrieve lost EIN via Letter 147C. IRS Taxpayer Advocate Service (Feb 4, 2025): EIN application methods confirmed. SBA.gov (sba.gov/business-guide): EIN guidance; free; state registration steps. Brex.com (March 2026): D-U-N-S, Experian Business, Equifax Business separate from SSN/personal credit. Nav.com: commercial credit agency IDs — D-U-N-S, BIN, Equifax ID.

📊 Complete Comparison — All Cards at a Glance

Card	SSN Needed?	ITIN OK?	Min Balance / Deposit	Cash Back / Rewards	Annual Fee	Sole Proprietor?
🏅 Ramp Corporate	No (last 4 only for ID)	EIN only ✅	$25,000 bank balance	1.5% cash back flat	$0 ✅	No ✗
BILL Divvy	Soft pull only	EIN + soft pull ✅	$20,000 bank balance	Up to 7x points	$0 ✅	Yes ✅
Brex Corporate ⚠️	No (passport OK)	EIN only ✅	$50,000 bank balance	Up to 7x points	$0 ✅	No ✗
AtoB Fuel Card	No (EIN + license)	EIN ✅	3 months revenue proof	Fuel discounts	Monthly fee	Fleet only
🏅 Chase Ink Premier	ITIN instead ✅	Yes ✅	Good personal credit	2–5% cash back	$195/year	Yes ✅
Cap One Spark Miles	ITIN instead ✅	Yes ✅	Good personal credit	2x–5x miles	$95/year	Yes ✅
Amex Blue Business+	ITIN instead ✅	Yes ✅	Good personal credit	2x points/$50K/yr	$0 ✅	Yes ✅
Amex Blue Business Cash	ITIN instead ✅	Yes ✅	Good personal credit	2% cash back/$50K/yr	$0 ✅	Yes ✅
BofA Business Secured	SSN or ITIN required	Yes ✅	$1,000 min deposit	1.5% cash back	$0 ✅	Yes ✅

All data sourced from Nav.com (Feb 2026), NerdWallet (Feb 2026), WalletHub (Mar 2026), Ramp.com (Jan 2026), CNBC Select (Dec 2025), UpgradedPoints.com (Mar 2026). See individual sections for full citations. ⚠️ Brex: Capital One acquisition Jan 22, 2026; verify current requirements at brex.com before applying.

❓ Frequently Asked Questions

Three Uses — Only One Affects Your Approval on Corporate Cards

Personal credit check: For small business cards, issuers use your SSN to pull your personal credit history and score. This is why most small business cards require a good personal FICO score (690+). This is the use that EIN-only corporate cards entirely bypass.
Identity verification: Banks must comply with the Bank Secrecy Act and Know Your Customer (KYC) regulations — they are required to verify who you are before issuing credit. Corporate cards use passport + business documents for this purpose instead of an SSN. ITIN cards use your ITIN for this purpose.
Personal guarantee: Most small business cards include a personal guarantee, meaning if the business cannot pay, you personally owe the debt. Corporate cards (Ramp, BILL Divvy, Brex) have no personal guarantee — the business alone is responsible.

✅ Yes — Business Credit Is Completely Separate From Personal Credit

Business credit bureaus — Dun & Bradstreet (D-U-N-S), Experian Business, and Equifax Business — track your business payment history independently using their own proprietary identifiers. Ramp, AtoB, and BILL Divvy all report to business credit bureaus. Every on-time payment builds your PAYDEX score (D&B) and business credit ratings. After 6–12 months of consistent payments, your business credit profile becomes strong enough to access higher-limit conventional cards, business loans, and vendor net-30 accounts — all without ever using your personal SSN for underwriting.

Important: register your business for a free DUNS number at dnb.com before applying for any business card — this activates your D&B profile and is required by many lenders.

⚠️ Four Things to Know Before Applying

They are charge cards, not revolving credit cards. Ramp, Brex, and most corporate cards require you to pay the full balance every month — you cannot carry a balance. This is great for financial discipline but requires adequate cash flow to cover monthly business expenses.
High minimum bank balance requirements. $20,000–$50,000 in cash on hand is a meaningful barrier for very small or early-stage businesses. If you don’t meet these thresholds, the ITIN path (Chase, Capital One, Amex) or the secured card path (BofA) is more accessible.
Sole proprietors are largely excluded from EIN-only cards. Ramp and Brex require registered business entities (LLC, S-Corp, C-Corp). BILL Divvy is the exception — it accepts sole proprietors. If you are a sole proprietor, the ITIN-accepted major bank cards or the secured card are your best paths.
Brex is being acquired by Capital One (announced Jan 22, 2026). Until the acquisition closes (expected mid-2026), there is uncertainty about future product direction and underwriting requirements. Ramp and BILL Divvy are lower-risk alternatives for businesses that want product stability.

📍 Find Business Banking & Credit Help Near You

Use these buttons to locate nearby resources for business banking, EIN registration help, free business mentoring, and more. Allow location access when prompted for the nearest results.

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✅ Key Takeaways — Best Business Credit Cards Without an SSN

Three paths exist. EIN-only corporate cards (for registered businesses with $20K–$50K in cash). ITIN-accepted major bank cards (for those without an SSN who have an ITIN). Secured cards (for anyone — deposit-based, no credit check required for approval).
Best EIN-only pick: Ramp Corporate Card. No SSN for underwriting, no personal guarantee, no annual fee, 1.5% flat cash back, $25,000 minimum bank balance, 24-hour approval, reports to all three business bureaus. Not for sole proprietors.
Best ITIN pick: Chase Ink Business Premier. ITIN accepted in place of SSN, 2–5% cash back, $1,000 welcome bonus. Capital One Spark Miles is the easiest approval with ITIN + EIN. Amex Blue Business Plus offers $0 annual fee + 2X points.
Best for sole proprietors: BILL Divvy or Bank of America Business Secured. BILL Divvy accepts sole proprietors with a soft credit pull only ($20K min balance). BofA secured card requires only a $1,000 deposit, earns 1.5% cash back, has no annual fee, and includes an upgrade path to unsecured.
Your EIN is free and takes 15 minutes. Get it at irs.gov/businesses/employer-identification-number. Call 1-800-829-4933 for help. Never pay a third-party website for an EIN — the IRS service is always free.
Important 2026 note: Brex was acquired by Capital One on January 22, 2026 (deal closing mid-2026). Verify current requirements directly at brex.com before applying. Ramp and BILL Divvy are stable alternatives.
Build business credit separately from your personal credit. Register a free DUNS number at dnb.com and with Experian Business and Equifax Business. Corporate cards like Ramp and AtoB report to all three — every on-time payment builds a business credit profile completely independent from your SSN or personal credit score.

⚕️ Disclaimer

This widget is educational reference only — not financial, legal, or credit advice. All card details, requirements, rates, and fees reflect publicly available information verified as of early 2026 and are subject to change without notice. Card terms, approval requirements, and minimum balances vary by issuer and business situation. Always read the full cardholder agreement and verify current terms directly with the card issuer before applying. This guide is not affiliated with, endorsed by, or compensated by any card issuer, bank, or organization named above.

Primary sources: Nav.com (Feb 1, 2026): EIN-only overview; Ramp $25K min; Brex $50K min; BILL Divvy $20K min; AtoB requirements. Ramp.com (Jan 29, 2026): Ramp Card — 1.5% cash back; $0 fee; D&B/Experian/Equifax Business reporting; 24-hr approval; no personal guarantee; not for sole proprietors. Ramp.com (Jan 26, 2026): Brex acquired by Capital One Jan 22, 2026, $5.15B, mid-2026 close. NerdWallet (Feb 13, 2026): BILL Divvy — $1K–$5M limit; $20K min; soft pull; sole proprietors OK; 1.5% cash back secured BofA card. NerdWallet (Feb 24, 2026): ITIN foreign nationals; upload docs; some banks require in-person. WalletHub (1 wk ago, 2026): Chase Ink Premier best ITIN business card; ITIN accepted Chase/US Bank. UpgradedPoints.com (3 wks ago, 2026): Capital One Spark Miles ITIN + EIN; straightforward approval; 2x/5x miles. CNBC Select (Dec 2025): Amex Blue Business Plus EIN + ITIN; 2X points/$50K/yr; $0 fee; Amex Blue Business Cash 2% cash. Chase.com: Bank Secrecy Act / KYC; ITIN/EIN/SSN options; 1-800-935-9935. IRS.gov (confirmed): EIN free online; immediate; 800-829-4933; TTY 800-829-4059; International 267-941-1099; Form SS-4 Rev Dec 2025. SBA.gov: EIN free; state registration; SCORE free mentoring; SBDC. Ramp.com (May 7, 2025): BILL Divvy — 670–850 credit; 1–2 yrs history; 30% spend threshold for rewards. Brex.com (2 wks ago, 2026): AtoB — EIN + license + 3mo revenue; all 3 business bureaus. Ramp.com (Jan 29, 2026): Ramp Card review; charge card structure; accounting integrations. Nav.com (Feb 1, 2026): commercial credit agency IDs — D-U-N-S, BIN, Equifax ID — separate from SSN.

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