Can I get a business credit card without a personal credit check

Yes, it is possible to obtain a business credit card without a personal credit check. Some business credit cards allow you to apply using just your Employer Identification Number (EIN), without requiring a Social Security number (SSN). These cards are known as EIN-only cards.

EIN-only cards are great for building business credit and keeping personal and business expenses separate. However, it's important to note that most business credit card issuers require a personal guarantee, which means that the business owner is personally responsible for the debt.

To get a business credit card with just your EIN, you can apply for certain cards that don't require a personal credit check. Some examples of these cards include the Brex Card, which is available to businesses located in the US or US territories, and the Ramp Card, which requires a minimum of $75,000 in a business bank account to qualify.

It's important to note that while EIN-only cards can help establish a credit history for the business, they may have higher fees and interest rates compared to personal credit cards. Additionally, the approval process for EIN-only cards may take longer than for personal credit cards.

In summary, it is possible to get a business credit card without a personal credit check by applying for an EIN-only card. However, it's important to carefully review the terms and conditions of these cards and consider alternative options before making a decision.