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Business Credit Cards
My Hand-Picked Options
Whether you are a brand new startup or an established enterprise, securing the right business credit card is one of the most critical financial moves you can make.
A business credit card does more than just cover everyday expenses - it separates your personal and business finances, protects your personal credit score, and helps you build a robust business credit profile (like your Paydex score).
Finding the perfect card can be overwhelming, especially when many traditional banks require flawless personal credit and a strict Personal Guarantee (PG).
Fortunately, the landscape has changed. Today, there are innovative corporate cards, revenue-based flex lines, and credit-builder cards designed specifically to approve you based on your business cash flow rather than just your personal FICO score.
To help you navigate these options, I have hand-picked and reviewed the top business credit cards on the market. Use the table below to filter by Personal Guarantee requirements and Credit Focus.
Pro Tip: Some of these exclusive cards are tied directly to business management platforms. Be sure to read the highlighted instructions on the cards below so you know exactly how to unlock them!
FairFigure Capital Card
Top PickBest for: Startups looking to build business credit without a personal guarantee
Nav Prime Charge Card
Best for: Daily business credit reporting and monitoring your Paydex score
Revenued Business Card
Best for: High-revenue businesses with subprime personal credit looking for cash back
Bill.com Corporate Card (Divvy)
Best for: Growing teams needing automated expense management and high multipliers
American Express® Business Cards
Best for: Earning premium travel rewards, priority boarding, and free checked bags on business trips
Frequently Asked Questions
What does "No PG" mean for a business credit card?
A Personal Guarantee (PG) is a legal promise that you will personally repay a business debt if your company defaults. A "No PG" business credit card does not require this guarantee. Instead, issuers look at your business revenue, cash flow, and bank balance for approval. This means your personal assets are protected, and your personal credit score isn't primarily used for the underwriting process.
Can I get a business credit card if I have bad personal credit or a brand new startup?
Yes! While traditional banks usually require a strong personal FICO score, modern fintech companies have changed the game. Cards like the Revenued Business Card or FairFigure Capital Card underwrite your application based on your business's cash flow (by connecting your business bank account) rather than your personal credit. Additionally, credit-building platforms like Nav Prime don't require a minimum credit score at all, making them perfect for new startups.
Will applying for a business credit card hurt my personal credit score?
It depends on the card issuer. Traditional cards (like those from American Express or Chase) usually require a "hard pull" on your personal credit report, which can temporarily lower your score by a few points. However, many corporate cards and No-PG options only perform a "soft pull" to verify your identity, which has zero impact on your personal credit score.
How do these cards help build my business credit score (like my D&B Paydex)?
To build business credit, you need "tradelines" reporting positive payment history to the commercial credit bureaus. When you use cards like Nav Prime or FairFigure and pay your balance on time, they report that data to major business bureaus such as Dun & Bradstreet, Experian Business, and Equifax Business. Over time, this establishes your business credit profile, unlocking access to higher funding limits and better interest rates.
Why do some business credit cards require me to "subscribe" or create a software account first?
Many modern corporate cards are actually extensions of financial management software. For example, Nav Prime is a credit-monitoring service, and Bill.com is an expense-management platform. To issue you a card without a personal guarantee, these platforms need you to create an account and link your business bank so their algorithms can securely review your cash flow and approve your credit limit.
Important Financial Disclosures
General Notice: Persons facing serious financial difficulties should consider other alternatives or seek out professional financial advice. This website is not an offer to lend. HOUSTONMCMILLER.NET / 3WAYFUNDING.COM / BUSINESS CREDIT AMERICA INC. is not a lender or lending partner and does not make loan or credit decisions.
Our Role as a Connector: We connect interested persons with a lender or lending partner from our network of approved partners. We do not control, and are not responsible for, the actions or inactions of any lender, nor are we an agent, representative, or broker for them. We receive compensation from lenders, often based on a "ping-tree" model similar to Google AdWords, where the highest available bidder is connected to the consumer. Regardless of this compensation, our service is always free to you.
Notice Regarding Tribal Lenders: In some cases, you may be given the option of obtaining a loan from a Tribal Lender. Tribal lenders are subject to tribal and certain federal laws and are immune from state law, including usury caps (interest rate limits). If you are connected to a tribal lender, please understand that their rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
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Annual Percentage Rate (APR) & Representative Example: Lenders in our network offer loans with an Annual Percentage Rate (APR) of 35.99% and below. All loans are subject to the lender’s individual underwriting criteria.
Representative Example: If you borrow $4,300.00 at a 35.99% APR with a 30-month repayment term, your monthly payment would be $219.36. The total amount payable would be $6,581.78. Loans typically include a minimum repayment plan of 12 months and a maximum of 30 months.
Disclosure of Terms & Fees: The lender you are connected with will provide documents containing all fees and rate information. We have no knowledge of or control over the specific loan terms offered to you. You are urged to read and understand the terms of any loan offered and to reject any particular loan offer that you cannot afford to repay.
Late Payments Hurt Your Credit Score: Please be aware that missing a payment or making a late payment can negatively impact your credit score. If you cannot make a payment on time, you should contact your lenders immediately.
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Business Credit America, Inc.
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HoustonMcmiller.net is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which we may receive compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. This site does not include all companies or all available financial offers.
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