Business Credit Cards
Working capital for day-to-day spend, with reporting that builds a credit profile for the business — separate from your personal score.
Who this is for
A good fit if
- You want to separate business and personal spending cleanly
- You have good personal credit and want to build business credit
- You can use a 0% intro period to finance a purchase interest-free
- The business is new and does not yet qualify for revenue-based products
Probably not if
- You need more than about $150,000 — a line or term loan fits better
- Personal credit is below 650
- You need cash rather than purchasing power
How repayment works
Standard revolving credit. Spend on the card, pay the statement balance monthly. Pay in full and there is no interest; carry a balance and interest applies after any intro period ends. We map out a stack of cards so combined limits reach what you actually need.
What you'll need
- Personal and business details
- Estimated annual revenue
- EIN or SSN for sole proprietors
Questions people ask about this
Do I need an established business?
No. Many cards approve new businesses based on the owner's personal credit.
What is card stacking?
Applying for several cards in a coordinated sequence so combined limits are large enough to matter, without triggering unnecessary declines. It is how we get most clients to $50,000 or more in 0% credit.
Does this affect my personal credit?
Applications create a hard inquiry. Most business cards do not report the balance to personal bureaus once open, which protects your utilization.
Find out what the business qualifies for.
Five minutes to apply. No cost, no obligation, and a specialist follows up the same business day.