Top Startup Business Credit Cards EIN Only for 2025
Top Startup Business Credit Cards EIN Only for 2025-As a startup owner, managing your business’s finances efficiently is crucial to setting your company on the path to success. One of the most effective ways to do this is by obtaining a startup business credit card EIN only, which allows you to keep your personal and business finances separate. With the right business credit card, you can build your business credit, streamline your cash flow, and earn rewards for your business purchases.
In 2025, several credit card options are available that allow entrepreneurs to apply with only their Employer Identification Number (EIN) instead of using their personal Social Security Number (SSN). In this article, we’ll explore the top startup business credit cards that accept EIN only applications, the benefits of each, and why they are a great choice for new businesses.
Why Choose Startup Business Credit Cards EIN Only?
Before diving into the best options, let’s take a moment to understand why startup business credit cards EIN only are so beneficial for entrepreneurs.
- Separation of Personal and Business Finances
By using your EIN instead of your SSN, you can keep your personal finances separate from your business. This makes managing expenses, filing taxes, and tracking business income and expenditures much easier. - Build Business Credit
When you use a credit card tied to your business EIN, your payments and credit utilization are reported to the business credit bureaus, which helps you build business credit. A strong credit profile is crucial for securing loans, increasing credit limits, and obtaining better financing options in the future. - Lower Risk to Personal Finances
Applying for a business credit card with your EIN only means your personal credit won’t be at risk if your business faces financial challenges. This is especially important for new entrepreneurs who want to protect their personal assets.
Top Startup Business Credit Cards EIN Only for 2025
Now, let’s dive into the top startup business credit cards EIN only for 2025, perfect for entrepreneurs looking to build their business credit and access crucial financial resources.
1. Brex 30 Card
The Brex 30 Card is one of the most popular and flexible options available for startups in 2025. Brex doesn’t require a personal guarantee or personal credit check, making it ideal for entrepreneurs with no personal credit history or those who want to avoid using their SSN.
Key Features:
- No Personal Guarantee: Unlike many other business credit cards, Brex does not require a personal guarantee. This means your personal assets are not at risk.
- High Credit Limits: Brex offers generous credit limits based on your business’s cash flow rather than your personal credit score.
- Rewards: Brex provides excellent rewards on business expenses, including 1x points on all purchases, with higher points earned for specific categories like travel, restaurants, and tech purchases.
- EIN-Only Application: As long as you have an EIN and meet the financial criteria, you can apply for a Brex card without the need for your SSN.
Why It’s Great for Startups: Brex is a great option for startups because it takes into account your business’s financial health instead of your personal credit. This allows businesses with limited or no personal credit to still access financing.
2. Divvy Business Credit Card
Divvy is another excellent option for startups looking for business credit cards EIN only in 2025. Divvy offers a flexible approach to managing business expenses, making it perfect for startups that want to streamline their financial management and maximize rewards.
Key Features:
- No Personal Credit Check: Divvy doesn’t rely on your personal credit to approve applications, making it easy for entrepreneurs with poor credit or no personal credit history.
- Expense Management: Divvy provides robust software to manage and track expenses, automate budgets, and provide financial insights.
- Rewards: You can earn 1% cashback on every purchase, with additional rewards for specific categories like travel, office supplies, and software subscriptions.
- EIN-Only Application: Simply apply with your EIN, and Divvy will review your business’s financial health for approval.
Why It’s Great for Startups: Divvy is perfect for startups that need to keep their spending organized and trackable. The expense management tools offer an extra level of transparency, making it easier to handle cash flow and budgeting. (Read More: Credit card for new llc business)
3. Ramp Business Credit Card
Ramp is a newer player in the business credit card space but has quickly gained traction due to its unique offering and focus on helping startups optimize their expenses. With no personal guarantee and the ability to apply using only an EIN, Ramp is an attractive choice for entrepreneurs.
Key Features:
- No Personal Guarantee: Ramp’s business credit card doesn’t require a personal guarantee, meaning your personal credit won’t be affected.
- No Fees: Ramp offers no annual fees, no late fees, and no foreign transaction fees, making it an affordable option for startups.
- Financial Insights: Ramp provides advanced expense tracking and financial reporting tools to help you optimize your business spending.
- EIN-Only Application: Ramp focuses on your business’s financials to approve credit, so you can apply using only your EIN.
Why It’s Great for Startups: Ramp is a great choice for startups looking for a no-fee, straightforward credit card that offers excellent financial tools. The card also provides rewards, which can be redeemed for business expenses, further enhancing its value. (Read More: How to Qualify for Startup Business Credit Cards EIN Only in 2025)
4. American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a great choice for startups that are looking for a card with cash-back rewards and a more traditional credit card experience. It allows EIN-only applications and offers great value for new businesses.
Key Features:
- Cash Back: Earn 2% cash back on the first $50,000 spent each year (1% after that), and 1% on all other purchases.
- Flexible Payment Options: American Express offers flexible payment terms and the ability to carry a balance from month to month.
- EIN-Only Application: You can apply with only your EIN, provided your business meets certain criteria.
- Business Tools: Access to expense tracking tools and the ability to integrate your card with popular accounting software.
Why It’s Great for Startups: For startups that are looking to earn cash back on business expenses, the American Express Blue Business Cash™ Card is a solid option. The flexible payment options make it easier to manage cash flow, and the rewards can help you save on business-related purchases. (Read More: How to Qualify for Startup Business Credit Cards EIN Only in 2025)
5. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card from Chase is another great option for startups looking for EIN-only credit card approval. This card offers a simple yet powerful rewards program, along with robust benefits and a low-cost structure.
Key Features:
- Flat Rate Rewards: Earn 1.5% cash back on every purchase, with no spending categories to track.
- No Annual Fee: This card comes with no annual fee, making it a cost-effective option for startups.
- EIN-Only Application: Apply using just your EIN, and the card issuer will review your business’s financials to determine eligibility.
- Access to Chase’s Business Resources: Enjoy access to tools like expense management and reporting, which can help you optimize your business spending.
Why It’s Great for Startups: The Ink Business Unlimited® Credit Card is perfect for startups that want simplicity and reliability. The flat-rate cash back means you don’t have to worry about category tracking, and the no annual fee is a big plus for small businesses.
Conclusion article Top Startup Business Credit Cards EIN Only for 2025
In 2025, obtaining a startup business credit card EIN only is a smart move for entrepreneurs looking to build their business credit and streamline their financial operations. The cards listed in this guide—Brex, Divvy, Ramp, American Express Blue Business Cash™, and Ink Business Unlimited®—offer various features that cater to different types of startups, from those looking for rewards to those seeking robust financial management tools.
When choosing a business credit card, consider your business’s needs, spending habits, and future financial goals. With the right card, you’ll not only separate your personal and business finances but also set your business up for success as it grows.