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The card sits inside a broader platform that includes high-yield business accounts, same-day ACH, and AP automation in one dashboard.",[],{"_key":2322,"_type":143,"children":2323,"markDefs":2327,"style":164},"k252",[2324],{"_key":1549,"_type":147,"marks":2325,"text":2326},[],"Rho is one of the few EIN-only options built specifically as a business credit card based on revenue rather than cash balance; it underwrites recurring revenue or VC funding instead of a bank deposit.",[],{"_key":2329,"_type":143,"children":2330,"markDefs":2333,"style":1955},"k255",[2331],{"_key":1560,"_type":147,"marks":2332,"text":1977},[],[],{"_key":2335,"_type":143,"children":2336,"level":1199,"listItem":1863,"markDefs":2340,"style":164},"k258",[2337],{"_key":1571,"_type":147,"marks":2338,"text":2339},[],"Banking, payroll, treasury, and corporate card in one place",[],{"_key":2342,"_type":143,"children":2343,"level":1199,"listItem":1863,"markDefs":2347,"style":164},"k261",[2344],{"_key":1582,"_type":147,"marks":2345,"text":2346},[],"High-yield business accounts and same-day ACH included",[],{"_key":2349,"_type":143,"children":2350,"level":1199,"listItem":1863,"markDefs":2354,"style":164},"k264",[2351],{"_key":1592,"_type":147,"marks":2352,"text":2353},[],"Built for B2B startups consolidating their financial stack",[],{"_key":2356,"_type":143,"children":2357,"markDefs":2361,"style":1955},"k267",[2358],{"_key":1602,"_type":147,"marks":2359,"text":2360},[],"When not to choose Rho",[],{"_key":2363,"_type":143,"children":2364,"markDefs":2368,"style":164},"k270",[2365],{"_key":1615,"_type":147,"marks":2366,"text":2367},[],"Rho works best for B2B startups with steady, predictable revenue that want to consolidate their financial stack. If your cash flow is seasonal or you are pre-revenue, the platform may not be the right fit yet. Sole proprietors are also not eligible.",[],{"_key":2370,"_type":143,"children":2371,"markDefs":2375,"style":1180},"k273",[2372],{"_key":1626,"_type":147,"marks":2373,"text":2374},[],"6. Stripe corporate credit card",[],{"_key":2377,"_type":143,"children":2378,"markDefs":2382,"style":164},"k276",[2379],{"_key":1637,"_type":147,"marks":2380,"text":2381},[1915,1769],"Best EIN-only business credit card for active Stripe users",[],{"_key":2384,"_type":143,"children":2385,"markDefs":2389,"style":164},"k279",[2386],{"_key":1648,"_type":147,"marks":2387,"text":2388},[],"If Stripe is already processing your payments, the Stripe corporate card is the most straightforward card on this list.",[],{"_key":2391,"_type":143,"children":2392,"markDefs":2395,"style":1955},"k282",[2393],{"_key":1659,"_type":147,"marks":2394,"text":1953},[],[],{"_key":2397,"_type":143,"children":2398,"markDefs":2402,"style":164},"k285",[2399],{"_key":1669,"_type":147,"marks":2400,"text":2401},[],"Stripe looks at your payment processing history rather than your bank balance or personal credit. No deposit is required, but you need to be an active Stripe user with sufficient volume.",[],{"_key":2404,"_type":143,"children":2405,"markDefs":2409,"style":164},"k288",[2406],{"_key":1679,"_type":147,"marks":2407,"text":2408},[],"Like Rho, the Stripe Corporate Card is a revenue-based EIN-only option; it's underwritten on processing volume rather than a cash balance or personal credit.",[],{"_key":2411,"_type":143,"children":2412,"markDefs":2415,"style":1955},"k291",[2413],{"_key":1692,"_type":147,"marks":2414,"text":1977},[],[],{"_key":2417,"_type":143,"children":2418,"level":1199,"listItem":1863,"markDefs":2422,"style":164},"k294",[2419],{"_key":1703,"_type":147,"marks":2420,"text":2421},[],"No deposit or minimum cash balance required",[],{"_key":2424,"_type":143,"children":2425,"level":1199,"listItem":1863,"markDefs":2429,"style":164},"k297",[2426],{"_key":1714,"_type":147,"marks":2427,"text":2428},[],"Underwritten by processing history rather than personal credit",[],{"_key":2431,"_type":143,"children":2432,"level":1199,"listItem":1863,"markDefs":2436,"style":164},"k300",[2433],{"_key":1725,"_type":147,"marks":2434,"text":2435},[],"Built into the Stripe ecosystem with no additional setup",[],{"_key":2438,"_type":143,"children":2439,"markDefs":2443,"style":1955},"k303",[2440],{"_key":1736,"_type":147,"marks":2441,"text":2442},[],"When NOT to choose Stripe",[],{"_key":2445,"_type":143,"children":2446,"markDefs":2450,"style":164},"k306",[2447],{"_key":1746,"_type":147,"marks":2448,"text":2449},[],"This is an invite-only card. It is better not to choose this option if you do not already process significant volume (businesses with annual revenues of at least USD $4 million) through Stripe.",[],{"_key":2452,"_type":143,"children":2453,"markDefs":2457,"style":1180},"k309",[2454],{"_key":1757,"_type":147,"marks":2455,"text":2456},[],"7. Capital on Tap business credit card",[],{"_key":2459,"_type":143,"children":2460,"markDefs":2465,"style":164},"k312",[2461],{"_key":2462,"_type":147,"marks":2463,"text":2464},"k311",[1915,1769],"A hybrid option often grouped with EIN-only cards",[],{"_key":2467,"_type":143,"children":2468,"markDefs":2473,"style":164},"k315",[2469],{"_key":2470,"_type":147,"marks":2471,"text":2472},"k314",[],"Capital on Tap is frequently listed alongside true EIN-only corporate cards, but its underwriting works differently. It blends personal credit evaluation with business financials rather than relying on company data alone.",[],{"_key":2475,"_type":143,"children":2476,"markDefs":2480,"style":1955},"k318",[2477],{"_key":2478,"_type":147,"marks":2479,"text":1953},"k317",[],[],{"_key":2482,"_type":143,"children":2483,"markDefs":2488,"style":164},"k321",[2484],{"_key":2485,"_type":147,"marks":2486,"text":2487},"k320",[],"The application requires an SSN to run a soft credit check on personal credit history, where applicants generally need a FICO score of 670 or higher for a strong chance of approval. Approval also requires a signed personal guarantee from a shareholder holding at least 25% ownership, meaning the business owner carries liability if the company defaults. The business itself needs a minimum of six months of operating history.",[],{"_key":2490,"_type":143,"children":2491,"markDefs":2495,"style":1955},"k324",[2492],{"_key":2493,"_type":147,"marks":2494,"text":1977},"k323",[],[],{"_key":2497,"_type":143,"children":2498,"level":1199,"listItem":1863,"markDefs":2503,"style":164},"k327",[2499],{"_key":2500,"_type":147,"marks":2501,"text":2502},"k326",[],"Soft credit pull only; applying doesn't affect your personal credit score",[],{"_key":2505,"_type":143,"children":2506,"level":1199,"listItem":1863,"markDefs":2511,"style":164},"k330",[2507],{"_key":2508,"_type":147,"marks":2509,"text":2510},"k329",[],"Account activity generally doesn't report to personal credit bureaus unless the business defaults",[],{"_key":2513,"_type":143,"children":2514,"level":1199,"listItem":1863,"markDefs":2519,"style":164},"k333",[2515],{"_key":2516,"_type":147,"marks":2517,"text":2518},"k332",[],"Restricted to formal entities (LLC, LLP, or corporation) with a valid EIN. Sole proprietors don't qualify, similar to the other cards on this list",[],{"_key":2521,"_type":143,"children":2522,"markDefs":2527,"style":1955},"k336",[2523],{"_key":2524,"_type":147,"marks":2525,"text":2526},"k335",[],"When not to choose Capital on Tap",[],{"_key":2529,"_type":143,"children":2530,"markDefs":2535,"style":164},"k339",[2531],{"_key":2532,"_type":147,"marks":2533,"text":2534},"k338",[],"Capital on Tap requires an SSN, a personal credit check, and a personal guarantee, none of which apply to Aspire, Ramp, Brex, BILL Divvy, Rho, or the Stripe Corporate Card. If avoiding personal liability or a credit check is the priority, the other six options underwrite the business only.",[],{"_key":2537,"_type":143,"children":2538,"markDefs":2543,"style":1793},"k342",[2539],{"_key":2540,"_type":147,"marks":2541,"text":2542},"k341",[],"Business credit cards for LLC with EIN only",[],{"_key":2545,"_type":143,"children":2546,"markDefs":2568,"style":164},"k355",[2547,2551,2556,2560,2565],{"_key":2548,"_type":147,"marks":2549,"text":2550},"k350",[],"All of the startup business credit cards for LLCs with EIN above are available to US-incorporated LLCs and not just C-corps. The requirements are consistent: a formal business entity (",{"_key":2552,"_type":147,"marks":2553,"text":2555},"k351",[2554],"k344","LLC, corporation, or limited partnership",{"_key":2557,"_type":147,"marks":2558,"text":2559},"k352",[],"), a US EIN, and a ",{"_key":2561,"_type":147,"marks":2562,"text":2564},"k353",[2563],"k347","business bank account",{"_key":2566,"_type":147,"marks":2567,"text":239},"k354",[],[2569,2571],{"_key":2554,"_type":161,"externalUrl":2570,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fblog\u002Ftypes-of-corporations",{"_key":2563,"_type":161,"externalUrl":2572,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fhow-to-open-business-bank-account-us",{"_key":2574,"_type":143,"children":2575,"markDefs":2580,"style":164},"k358",[2576],{"_key":2577,"_type":147,"marks":2578,"text":2579},"k357",[],"Single-member LLCs qualify the same way multi-member LLCs do. Issuers look at the entity's EIN and financials, not the ownership structure. LLPs and LPs are generally accepted too, though a few providers restrict eligibility to corporations and LLCs only, so confirm entity type before applying if you're structured as a partnership.",[],{"_key":2582,"_type":143,"children":2583,"markDefs":2592,"style":164},"k363",[2584,2588],{"_key":2585,"_type":147,"marks":2586,"text":2587},"k361",[1915,1769],"Note: ",{"_key":2589,"_type":147,"marks":2590,"text":2591},"k362",[1769],"Sole proprietors generally don't qualify for corporate card programs. If you're operating as a sole proprietor and want to separate business and personal finances, a secured business credit card or a net-30 vendor account is a better starting point while you build credit history.",[],{"_key":2594,"_type":143,"children":2595,"markDefs":2600,"style":164},"k366",[2596],{"_key":2597,"_type":147,"marks":2598,"text":2599},"k365",[],"If you don't yet meet any corporate card's requirements, a secured business credit card from a traditional bank is a reasonable bridge. You put down a refundable deposit, get a matching credit line, and build payment history that most corporate card issuers will look at favorably later.",[],{"_key":2602,"_type":143,"children":2603,"markDefs":2608,"style":1793},"k369",[2604],{"_key":2605,"_type":147,"marks":2606,"text":2607},"k368",[],"How to apply for business credit cards with EIN only",[],{"_key":2610,"_type":143,"children":2611,"markDefs":2620,"style":1180},"k374",[2612,2616],{"_key":2613,"_type":147,"marks":2614,"text":2615},"k372",[],"1.  ",{"_key":2617,"_type":147,"marks":2618,"text":2619},"k373",[1915],"Incorporate your US entity",[],{"_key":2622,"_type":143,"children":2623,"markDefs":2628,"style":164},"k377",[2624],{"_key":2625,"_type":147,"marks":2626,"text":2627},"k376",[],"Most EIN-only card providers require a formal business entity: LLC, corporation, or limited partnership.",[],{"_key":2630,"_type":143,"children":2631,"markDefs":2640,"style":1180},"k382",[2632,2636],{"_key":2633,"_type":147,"marks":2634,"text":2635},"k380",[],"2. ",{"_key":2637,"_type":147,"marks":2638,"text":2639},"k381",[1915],"Get your EIN from the IRS",[],{"_key":2642,"_type":143,"children":2643,"markDefs":2657,"style":164},"k390",[2644,2648,2653],{"_key":2645,"_type":147,"marks":2646,"text":2647},"k387",[],"The Employer Identification Number is free and can be obtained online at ",{"_key":2649,"_type":147,"marks":2650,"text":2652},"k388",[2651],"k384","IRS.gov",{"_key":2654,"_type":147,"marks":2655,"text":2656},"k389",[]," in minutes. This number is your company's tax ID and the anchor for your business credit profile.",[2658],{"_key":2651,"_type":161,"externalUrl":2659,"linkType":163},"https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fapply-for-an-employer-identification-number-ein-online",{"_key":2661,"_type":143,"children":2662,"markDefs":2671,"style":1180},"k395",[2663,2667],{"_key":2664,"_type":147,"marks":2665,"text":2666},"k393",[],"3. ",{"_key":2668,"_type":147,"marks":2669,"text":2670},"k394",[1915],"Open a US business bank account",[],{"_key":2673,"_type":143,"children":2674,"markDefs":2679,"style":164},"k398",[2675],{"_key":2676,"_type":147,"marks":2677,"text":2678},"k397",[],"Corporate card issuers either require a connected bank account or ask you to fund a collateral account.",[],{"_key":2681,"_type":143,"children":2682,"markDefs":2691,"style":1180},"k403",[2683,2687],{"_key":2684,"_type":147,"marks":2685,"text":2686},"k401",[],"4. ",{"_key":2688,"_type":147,"marks":2689,"text":2690},"k402",[1915],"Prepare identity verification",[],{"_key":2693,"_type":143,"children":2694,"markDefs":2699,"style":164},"k406",[2695],{"_key":2696,"_type":147,"marks":2697,"text":2698},"k405",[],"KYC regulations require identity verification for all beneficial owners. If you have an SSN, you'll use it. If you don't, most corporate card providers accept a valid passport for international founders.",[],{"_key":2701,"_type":143,"children":2702,"markDefs":2707,"style":1180},"k409",[2703],{"_key":2704,"_type":147,"marks":2705,"text":2706},"k408",[1915],"5. Choose the right card based on your cash threshold",[],{"_key":2709,"_type":143,"children":2710,"markDefs":2715,"style":164},"k412",[2711],{"_key":2712,"_type":147,"marks":2713,"text":2714},"k411",[],"Provider eligibility comes down to your business's current cash position, revenue, or funding stage. Matching your application to where your business actually stands, rather than the card with the best perks, is the single biggest factor in getting approved on the first try.",[],{"_key":2717,"_type":143,"children":2718,"markDefs":2723,"style":1180},"k415",[2719],{"_key":2720,"_type":147,"marks":2721,"text":2722},"k414",[1915],"6. What to do if you don't qualify yet",[],{"_key":2725,"_type":143,"children":2726,"markDefs":2731,"style":164},"k418",[2727],{"_key":2728,"_type":147,"marks":2729,"text":2730},"k417",[],"If your business doesn't meet any corporate card's threshold, a secured business credit card is the more realistic starting point. You put down a refundable deposit, get a matching credit line, and build payment history that corporate card issuers look at favorably once you're ready to reapply.",[],{"_key":2733,"_type":143,"children":2734,"markDefs":2739,"style":1793},"k421",[2735],{"_key":2736,"_type":147,"marks":2737,"text":2738},"k420",[],"Building a business line of credit (EIN only)",[],{"_key":2741,"_type":143,"children":2742,"markDefs":2747,"style":164},"k424",[2743],{"_key":2744,"_type":147,"marks":2745,"text":2746},"k423",[],"Your EIN doubles as the foundation of a business credit profile, entirely separate from your personal credit report. Commercial bureaus track this profile once your company starts using credit under its own name, and building it deliberately pays off in higher limits and better terms down the line. 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It's worth setting up early rather than after you've already applied for a card.",[],{"_key":2781,"_type":143,"children":2782,"markDefs":2787,"style":1180},"k439",[2783],{"_key":2784,"_type":147,"marks":2785,"text":2786},"k438",[],"Open accounts that actually report to business bureaus",[],{"_key":2789,"_type":143,"children":2790,"markDefs":2795,"style":164},"k442",[2791],{"_key":2792,"_type":147,"marks":2793,"text":2794},"k441",[],"An EIN-only corporate card counts, and so do net-30 vendor accounts with suppliers who extend trade credit. 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Business and personal credit stay completely separate",[],{"_key":2869,"_type":143,"children":2870,"level":1199,"listItem":1863,"markDefs":2875,"style":164},"k475",[2871],{"_key":2872,"_type":147,"marks":2873,"text":2874},"k474",[],"Credit limits scale with company finances, not personal credit history",[],{"_key":2877,"_type":143,"children":2878,"level":1199,"listItem":1863,"markDefs":2883,"style":164},"k478",[2879],{"_key":2880,"_type":147,"marks":2881,"text":2882},"k477",[],"Built-in expense management: virtual cards, spend limits, receipt capture, accounting integrations",[],{"_key":2885,"_type":143,"children":2886,"level":1199,"listItem":1863,"markDefs":2891,"style":164},"k481",[2887],{"_key":2888,"_type":147,"marks":2889,"text":2890},"k480",[],"Accessible to international founders operating US entities with passport verification",[],{"_key":2893,"_type":143,"children":2894,"markDefs":2899,"style":1180},"k484",[2895],{"_key":2896,"_type":147,"marks":2897,"text":2898},"k483",[],"What to plan for",[],{"_key":2901,"_type":143,"children":2902,"level":1199,"listItem":1863,"markDefs":2907,"style":164},"k490",[2903],{"_key":2904,"_type":147,"marks":2905,"text":2906},"k489",[],"Fewer providers than traditional business credit cards",[],{"_key":2909,"_type":143,"children":2910,"level":1199,"listItem":1863,"markDefs":2915,"style":164},"k493",[2911],{"_key":2912,"_type":147,"marks":2913,"text":2914},"k492",[],"Most unsecured options require a meaningful cash balance to qualify",[],{"_key":2917,"_type":143,"children":2918,"level":1199,"listItem":1863,"markDefs":2923,"style":164},"k496",[2919],{"_key":2920,"_type":147,"marks":2921,"text":2922},"k495",[],"Most operate as charge cards that require full repayment each cycle",[],{"_key":2925,"_type":143,"children":2926,"level":1199,"listItem":1863,"markDefs":2931,"style":164},"k499",[2927],{"_key":2928,"_type":147,"marks":2929,"text":2930},"k498",[],"Some providers still ask for SSN digits for one corporate officer",[],{"_key":2933,"_type":143,"children":2934,"level":1199,"listItem":1863,"markDefs":2939,"style":164},"k502",[2935],{"_key":2936,"_type":147,"marks":2937,"text":2938},"k501",[],"Lines of credit are harder to get with an EIN-only than cards, as most require revenue history",[],{"_key":2941,"_type":143,"children":2942,"markDefs":2947,"style":1793},"k505",[2943],{"_key":2944,"_type":147,"marks":2945,"text":2946},"k504",[],"Alternatives to EIN-only business credit cards worth checking",[],{"_key":2949,"_type":143,"children":2950,"markDefs":2955,"style":164},"k508",[2951],{"_key":2952,"_type":147,"marks":2953,"text":2954},"k507",[],"If your business doesn't yet meet a corporate card's cash or revenue threshold, secured business credit cards are the more realistic starting point. You put down a cash deposit, that deposit becomes your credit limit, and your payment history is reported to business credit bureaus. This way the card is doing double duty as a spending tool and a credit-building step.",[],{"_key":2957,"_type":143,"children":2958,"markDefs":2963,"style":164},"k511",[2959],{"_key":2960,"_type":147,"marks":2961,"text":2962},"k510",[],"The tradeoff: secured cards don't skip your SSN the way corporate cards do. You'll still need one to open the account, since a personal guarantee is part of how these cards work.",[],{"_key":2965,"_type":143,"children":2966,"markDefs":2971,"style":164},"k514",[2967],{"_key":2968,"_type":147,"marks":2969,"text":2970},"k513",[1915],"A few alternatives worth comparing:",[],{"_key":2973,"_type":143,"children":2974,"markDefs":2979,"style":1180},"k517",[2975],{"_key":2976,"_type":147,"marks":2977,"text":2978},"k516",[],"Bank of America Business Advantage Unlimited Cash Rewards Secured Mastercard",[],{"_key":2981,"_type":143,"children":2982,"markDefs":2987,"style":164},"k520",[2983],{"_key":2984,"_type":147,"marks":2985,"text":2986},"k519",[],"Requires a minimum $1,000 deposit, which sets your credit line. No annual fee, and it earns 1.5% cash back with no cap, a rare combination for a secured card. Bank of America also reviews accounts periodically for a potential upgrade to an unsecured card.",[],{"_key":2989,"_type":143,"children":2990,"markDefs":2995,"style":1180},"k523",[2991],{"_key":2992,"_type":147,"marks":2993,"text":2994},"k522",[],"FNBO Business Edition Secured Mastercard",[],{"_key":2997,"_type":143,"children":2998,"markDefs":3003,"style":164},"k526",[2999],{"_key":3000,"_type":147,"marks":3001,"text":3002},"k525",[],"Deposits range from roughly $2,000 up to $100,000, giving you more room to scale your limit than most secured cards allow. It reports to Dun & Bradstreet and includes basic expense tools like receipt capture. The annual fee is $39.",[],{"_key":3005,"_type":143,"children":3006,"markDefs":3011,"style":1180},"k529",[3007],{"_key":3008,"_type":147,"marks":3009,"text":3010},"k528",[],"Nav Prime Card",[],{"_key":3013,"_type":143,"children":3014,"markDefs":3019,"style":164},"k532",[3015],{"_key":3016,"_type":147,"marks":3017,"text":3018},"k531",[],"A membership-based charge card rather than a deposit-secured one with no cash deposit, no personal guarantee, and no hard credit check. It underwrites on cash flow via your business checking account, with spending limits up to $100,000 and daily auto-cleared balances. Instead of rewards, it reports two separate tradelines to Experian, Equifax, and Dun & Bradstreet and matches your revenue data against 160+ funding options.",[],{"_key":3021,"_type":143,"children":3022,"markDefs":3027,"style":1793},"k535",[3023],{"_key":3024,"_type":147,"marks":3025,"text":3026},"k534",[],"Which EIN-only business credit card should you actually apply for",[],{"_key":3029,"_type":143,"children":3030,"level":1199,"listItem":1863,"markDefs":3047,"style":164},"k545",[3031,3035,3039,3043],{"_key":3032,"_type":147,"marks":3033,"text":3034},"k541",[],"If you're reading this because you don't have an SSN, start with ",{"_key":3036,"_type":147,"marks":3037,"text":480},"k542",[3038],"k537",{"_key":3040,"_type":147,"marks":3041,"text":3042},"k543",[3038,1938],"1",{"_key":3044,"_type":147,"marks":3045,"text":3046},"k544",[],". It's the only option here with no cash or revenue threshold.",[3048],{"_key":3038,"_type":161,"externalUrl":3049,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus",{"_key":3051,"_type":143,"children":3052,"level":1199,"listItem":1863,"markDefs":3057,"style":164},"k548",[3053],{"_key":3054,"_type":147,"marks":3055,"text":3056},"k547",[],"If you have an SSN and a bank balance to match, Ramp or BILL Divvy are faster to qualify for.",[],{"_key":3059,"_type":143,"children":3060,"level":1199,"listItem":1863,"markDefs":3065,"style":164},"k551",[3061],{"_key":3062,"_type":147,"marks":3063,"text":3064},"k550",[],"If you're venture-backed with $50K or more in the bank, Brex is built for your spend volume.",[],{"_key":3067,"_type":143,"children":3068,"level":1199,"listItem":1863,"markDefs":3073,"style":164},"k554",[3069],{"_key":3070,"_type":147,"marks":3071,"text":3072},"k553",[],"And if you're already deep in the Stripe ecosystem with significant processing volume, that's your fastest path to approval.",[],{"_key":3075,"_type":143,"children":3076,"markDefs":3081,"style":164},"k557",[3077],{"_key":3078,"_type":147,"marks":3079,"text":3080},"k556",[],"Pick based on what you can qualify for today instead of a card with the best rewards. You can always move to a stronger card as your finances improve.",[],{"_key":3083,"_type":143,"children":3084,"markDefs":3089,"style":1793},"k560",[3085],{"_key":3086,"_type":147,"marks":3087,"text":3088},"k559",[],"Final thoughts",[],{"_key":3091,"_type":143,"children":3092,"markDefs":3097,"style":164},"k563",[3093],{"_key":3094,"_type":147,"marks":3095,"text":3096},"k562",[],"Getting the best EIN-only business credit cards is often framed as a workaround, a way to avoid the personal guarantee requirement. But the bigger opportunity comes after approval.",[],{"_key":3099,"_type":143,"children":3100,"markDefs":3105,"style":164},"k566",[3101],{"_key":3102,"_type":147,"marks":3103,"text":3104},"k565",[],"EIN business credit cards, used consistently and paid on time, build a business credit profile that compounds. That profile opens up higher card limits, business lines of credit, and eventually lending options that don't touch your personal finances at all.",[],{"_key":3107,"_type":143,"children":3108,"markDefs":3113,"style":164},"k569",[3109],{"_key":3110,"_type":147,"marks":3111,"text":3112},"k568",[],"Start with what you qualify for today. In the long run, the companies that scale most smoothly are often the ones that build this financial foundation from day one.",[],{"slug":506,"title":507},{"_type":839,"alternativeText":3116,"height":1126,"url":3117,"width":1128},"Business credit cards with EIN only: best startup business credit cards (2026)","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F530b0dc0beae2fbd37ff1b2c3dc68e89\u002Fbusiness-credit-cards-with-ein-only_cover.webp",[3119,3125,3131,3137,3145,3152],{"_key":1176,"_type":143,"children":3120,"level":1199,"listItem":1863,"markDefs":3124,"style":164},[3121],{"_key":1194,"_type":147,"marks":3122,"text":3123},[],"Most EIN-only business credit cards are actually corporate cards or corporate charge cards. Instead of checking a founder’s personal credit score, they evaluate the company’s financial health.",[],{"_key":1209,"_type":143,"children":3126,"level":1199,"listItem":1863,"markDefs":3130,"style":164},[3127],{"_key":1205,"_type":147,"marks":3128,"text":3129},[],"Popular EIN-only corporate cards include Aspire, Ramp, Brex, BILL Divvy, Rho, and the Stripe Corporate Card, each with different financial requirements.",[],{"_key":1220,"_type":143,"children":3132,"level":1199,"listItem":1863,"markDefs":3136,"style":164},[3133],{"_key":1182,"_type":147,"marks":3134,"text":3135},[],"Aspire is the most accessible option for early-stage startups because it uses a secured collateral model instead of requiring large bank balances or strong revenue.",[],{"_key":3138,"_type":143,"children":3139,"level":1199,"listItem":1863,"markDefs":3144,"style":164},"k11",[3140],{"_key":3141,"_type":147,"marks":3142,"text":3143},"k10",[],"Most other corporate cards require stronger finances, typically USD $20K–$50K in cash reserves or venture funding.",[],{"_key":3146,"_type":143,"children":3147,"level":1199,"listItem":1863,"markDefs":3151,"style":164},"k14",[3148],{"_key":1765,"_type":147,"marks":3149,"text":3150},[],"These cards are available to US-incorporated LLCs and corporations, including common startup structures like Delaware C-corps and Wyoming LLCs.",[],{"_key":3153,"_type":143,"children":3154,"level":1199,"listItem":1863,"markDefs":3158,"style":164},"k17",[3155],{"_key":1773,"_type":147,"marks":3156,"text":3157},[],"To apply for business credit cards with EIN only, you generally need a registered US entity, an EIN, a business bank account, and identity verification.",[],{"heading":14,"items":369},[3161,3167,3173,3179],{"_key":1176,"_type":143,"children":3162,"markDefs":3166,"style":164},[3163],{"_key":1194,"_type":147,"marks":3164,"text":3165},[],"In the US, if you don't have a Social Security number, most business credit cards are off the table before you even apply. That's what makes EIN-only business credit cards different. With EIN-only business cards, you apply with your company's EIN (Employer Identification Number), and the card evaluates your business's cash and revenue rather than your personal credit.",[],{"_key":1209,"_type":143,"children":3168,"markDefs":3172,"style":164},[3169],{"_key":1205,"_type":147,"marks":3170,"text":3171},[],"For most founders, business credit cards are how you pay for SaaS, ads, contractors, and travel. According to NBER research, 55% of small firms used business credit cards for startups as a financing source in the past year, significantly more than those using traditional bank loans.",[],{"_key":1220,"_type":143,"children":3174,"markDefs":3178,"style":164},[3175],{"_key":1182,"_type":147,"marks":3176,"text":3177},[],"In 2026, the EIN-only options have expanded, but so has the nuance around what these cards actually require.",[],{"_key":1765,"_type":143,"children":3180,"markDefs":3187,"style":164},[3181,3184],{"_key":3138,"_type":147,"marks":3182,"text":3183},[1915],"Can you get a business credit card with EIN only? ",{"_key":1234,"_type":147,"marks":3185,"text":3186},[],"Yes, through corporate card platforms like Aspire, Ramp, and Brex, not traditional bank cards. They underwrite your company's cash balance, revenue, or processing history instead of your FICO score. Most US LLCs or corporations qualify with an EIN; no SSN is required if you verify with a passport.",[],"2026-08-13T07:12:18.560Z",{"_type":122,"metaDescription":3190,"metaTitle":3191,"socialShareImageUrl":3192},"Get EIN-only business credit cards; no SSN, no personal guarantee. Compare Aspire, Ramp, Brex, and more. Find the right card for your startup stage.","Business credit cards with EIN only: best options in 2026",{"_type":839,"alternativeText":3116,"height":1126,"url":3193,"width":1128},"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F530b0dc0beae2fbd37ff1b2c3dc68e89\u002Fbusiness-credit-cards-with-ein-only_social.webp","business-credit-cards-with-ein-only",1790850627109]