What types of business credit cards don’t require a credit check?

Secured cards, prepaid cards, and fintech cards that assess business cash flow instead of credit history are the main types of business credit cards that don’t require a credit check.

How do no-credit-check business cards work?

Most no-credit-check business cards work by evaluating your business’s financial health, such as cash flow or bank balances, instead of using your personal credit score.

Will a no-credit-check business card help build business credit?

A no-credit-check business card can help build business credit if the issuer reports your payment activity to commercial credit bureaus like Dun & Bradstreet, Experian Business, or Equifax Business. Some cards do this, but others, like prepaid cards, don’t report at all and therefore won’t impact your business credit profile.

Can I get a Ramp card without a credit check?

Yes, Ramp does not require a personal credit check; instead, it approves businesses based on financial factors like cash flow and bank account balances.

How long does it take to get approved for a no-credit-check business card?

Approval is typically fast, with some issuers offering instant decisions once you link your business bank account or sales platform. Physical cards may arrive in 5–10 business days.

Can I get a business credit card with no credit check if I’m a sole proprietor?

Yes, sole proprietors can get a business credit card with no credit check, but options may be limited. Most available cards will be secured, prepaid, or offered by fintechs that approve based on business revenue or linked bank accounts rather than personal credit.

Blog

Business credit cards

May 7, 2025

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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.

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