What Are the Best No-Credit-Check Alternatives?

Revenue-based approval cards work best for companies with healthy bank balances, typically requiring $25K-$75K in cash reserves rather than personal credit scores. Cash-secured business cards offer another path if you can deposit $5K-$25K as collateral, while prepaid business cards eliminate credit checks entirely by requiring you to load funds before spending. Each option trades traditional credit requirements for different qualifications, whether that's your company's cash position, collateral deposits, or prepaid funding.

Cards with reduced credit requirements

Three types of business cards offer paths forward when traditional credit requirements create obstacles:

• Cash-secured business cards: You deposit $5K-$25K as collateral, and the card issuer extends a credit line based on that amount. The deposit stays in your account while you use the card. Best for companies with cash reserves who want to build business credit without personal guarantees.
• Revenue-based approval cards: These platforms evaluate your bank balance instead of personal credit scores. They typically require $25K-$75K in your business account, offering real-time spend controls and automated expense categorization. Works well for funded startups or profitable companies with healthy cash positions.
• Prepaid business cards: You load funds before spending, eliminating credit checks entirely. Useful for new businesses that need payment flexibility but lack revenue or cash reserves, though you won't build business credit history.

Each option trades traditional credit requirements for different qualifications, whether that's cash collateral, revenue verification, or prepaid funding.

Here are the strongest revenue-based options that skip personal credit checks:

Ramp

Ramp approves cards based on your company's cash position, typically requiring $25K minimum in your business bank account. You'll get automated receipt matching, real-time spend alerts, and customizable spending limits per employee. The platform integrates with QuickBooks and other accounting software, helping automate expense tracking without manual data entry. Credit limits scale with your cash balance.

BILL Divvy

Divvy provides credit lines from $1K to $5M based on company financials rather than personal credit. The platform includes budget management tools and virtual cards for one-time purchases. Free employee cards with individual spending controls. Works well for companies that need flexible spending limits across departments.

Capital on Tap

Capital on Tap approves using just your EIN and business revenue, with credit limits up to $50K. You'll earn 1.5% cash back on purchases or 2% with weekly autopay. No annual fees or foreign transaction fees. The approval process focuses on business performance rather than founder credit history, making it accessible for newer companies.

What to watch for

Not all accessible business cards deliver equal value. Some charge annual fees of $200-$500 on top of higher interest rates, which compounds quickly if you carry balances. Cards marketed as "no credit check" sometimes require personal guarantees anyway, just under different terminology in the fine print.

Watch for foreign transaction fees if you work with international vendors, as these can add 3% to every transaction. The biggest risk comes from cards that tout easy approval but lack the spend management features that actually help you control costs. You'll end up manually tracking everything in spreadsheets, which defeats the purpose of having a business card in the first place.

Frequently asked questions

Do business credit cards really exist without credit checks?

True no-credit-check business cards are rare from established issuers. Revenue-based platforms check business bank balances instead of pulling your personal credit report.

Will these cards help build business credit?

Cash-secured and revenue-based cards typically report to business credit bureaus and help build your company's credit profile. Prepaid cards don't build credit since there's no credit extended.

What's the difference between revenue-based cards and traditional business credit cards?

Revenue-based cards like Ramp approve based on your company's cash position rather than personal credit scores, with automated receipt matching and real-time spend alerts built in. Traditional cards focus on rewards and require stronger personal credit history.

How much cash do I need for approval?

Requirements vary by platform. Some need $25K minimum while others require $50K or more in your business account. Lower-requirement options focus more on revenue patterns than cash reserves.