EIN-only business credit cards.
EIN-only business credit cards.
In general, it’s rare for individuals to apply for a credit card without providing their Social Security Number (SSN), even if they have an Employer Identification Number (EIN). This is because most credit card companies require a personal guarantee, which necessitates an SSN.
Credit cards that only require an EIN are typically corporate cards created for large businesses with large revenue streams.
If your business qualifies, there are options from Stripe, Brex, and Ramp.
Stripe Corporate Card
This card is only available to current Stripe users who have received an invitation. The credit limit is based on the business’s payment processing and bank history. The card comes equipped with custom spend controls, real-time expense reporting, and integrations with Quickbooks and Expensify. Additionally, it offers 1.5% cash back on every business purchase.
Brex Corporate Card
The Brex Corporate Card is designed for startups, e-commerce, and tech companies. It offers higher credit limits, rewards on key business spending categories, and streamlined expense management tools. It doesn’t require a personal guarantee or credit check and offers 7x points for cash back or credits.
Ramp Corporate Card
Ramp offers a charge card for small businesses with unlimited 1.5% cash back. Applying requires no personal credit check or personal guarantee. The card comes with a dashboard for managing expenses and integrates with major accounting software. Ramp will accept applications from any incorporated business in the U.S. with at least $75,000 in a U.S. business bank account.
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