How fast do business card approvals happen?

Traditional banks may take one to two weeks since they review credit reports and financials manually. Fintech issuers often approve in one to two days by connecting to your bank account and analyzing real-time cash flow.

Do business credit card applications affect your personal credit or only your business credit?

Most banks check your personal credit during the application, which creates a temporary inquiry. Fintech cards sometimes skip this step and rely on business revenue, so your personal credit stays untouched unless you default.

Can you qualify for a U.S. business credit card with an ITIN or without a Social Security number?

Some issuers accept an Employer Identification Number (EIN) and an Individual Taxpayer Identification Number (ITIN). Availability depends on the provider, so it’s worth checking requirements before applying.

Are business credit card rewards taxable and how should you track them for taxes?

Rewards from regular spending are usually treated as rebates and not taxable. Bonuses unrelated to spending may be taxed as income, so tracking them separately with accounting software helps during tax season.

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The Ramp Visa Corporate Card is issued in the U.S. by Celtic Bank, and to U.S. corporations operating globally by Column N.A., Member FDIC. The Ramp Visa Commercial Card is issued by Sutton Bank, Member FDIC. The Ramp Visa Business Card is issued by Lead Bank, Member FDIC. Each card is issued pursuant to a license from Visa USA Inc.

Ramp cards are issued in Canada by Peoples Trust Company, pursuant to license by *Visa International. Visa Int./Peoples Trust Company, Licensed User.

Ramp cards are issued in the UK by Stripe Payments UK Limited, an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461). Ramp cards are issued in the EEA by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited.

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*Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services provided by First Internet Bank of Indiana, Member FDIC.

Securities products and brokerage services are provided by Apex Clearing Corporation, an SEC registered broker dealer, member of FINRA & SIPC. The Investment Account is not a deposit product, not insured by the FDIC, and may lose value.

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