9 Best Startup Business Credit Cards With No Credit In 2025

It is possible for startups to get a business credit card, even if the startup does not have any credit history.

The bank or the financial institution that is offering the credit card is now considering the personal credit history of the business owner. If you are looking for startup business credit cards with no credit, read on through to the end of the article.

In this article, you will learn about various credit card options that are available for startups that do not have any credit history.

We will list nine different credit cards that startups can use to make business-related investments. With respect to each option, we will share with you the name of the institution, the annual fee for the card, the rewards rate, and the business owner’s eligibility to get the card.

What Is A Secured Card For A Startup?

If you are a business owner with no personal credit card, you can use a secured card. This will help you to build your credit score. However, you can then upgrade to startup business credit cards with no credit, which offers you better rewards. For tech-savvy startups, combining these cards with best smart digital business cards can streamline your business expenses and employee spending tracking.

In fact, when you try to get a secured card for your business, you have to make an upfront deposit. Moreover, that card will also determine your credit limit. Apart from that, some cards are available where that will not check your credit score.

Basically, with the help of a secured personal credit card, you can easily build your credit score. However, this does not help you build the credit score for your business. Hence, you need startup business credit cards with no credit.

With the help of a secured card for your startup, you will get the chance to build credit. Apart from that, as a startup, you will also be able to avail yourself of various perks for your business, like cashback rewards, travel perks, APR period, and more.

Factors To Consider Before Choosing Startup Business Credit Cards With No Credit

Before you choose startup business cards with no credit, you must weigh the rewards and benefits of each card. Hence, you can choose the one that best suits the needs and demands of your business.

The following are some of the major factors you need to consider before your choose a startup business credit card with no credit:

1. Keep Your Business Expenses Separate

By using a startup business card, you can keep your business expenses separate from your personal expenses. As a result, it gets easier for you to track your business expenses. Hence, accounting and taxation become simpler for you. Moreover, you can prevent co-mingling of funds for your business. Hence, you can avoid IRS audits.

2. You Get a Higher Credit Limit

Apart from that, the most important factor of business credit cards is that they offer you a higher credit limit. Hence, if you want to make large purchases for your business, such credit cards can be extremely helpful.

3. Employee Spending

Additionally, some business credit cards allow you to issue employee cards. However, you can set spending limits on them. As a result, you can control how your employee spends the card. Also, you can ensure that your employees use the card for business expenses only.

4. Low or No Annual Fee

Generally, cards that have high annual fees provide a lot of benefits. However, you must offset the annual fee with the rewards you take.

On the other hand, there are some startup business credit cards available that come with low or no annual fees. Here, you need to determine whether you will pay an annual fee or not.

5. Credit Reporting

Building your credit history must be one of the major priorities for your startup. Once you establish your credit history, you can open new pathways and opportunities for your business.

6. Interest Rates

When you are getting startup business credit cards with no credit, you must always read about potential hidden fees. The cost of credit is different from the true cost of credit. This can significantly impact the bottom line of your business. It can be destructive, especially if your business is a startup that operates on thin margins.

Basically, the interest rate comes in the form of Annual Percentage Rate (APR). Here, this rate expresses the yearly cost of carrying the balance on your card. Apart from that, you will also have the Purchase APR. This is the interest that you pay on your card purchases after you make the minimum payment that your issuer sets.

Top Startup Business Credit Cards With No Credit

The following are some of the top startup business cards with no credit that you will need to watch for in 2025:

1. Brex Card

To avail of this card, you will not have to face credit checks and need not keep any personal guarantee. Furthermore, you will be able to make 8x points on common business expenses once you make daily automatic repayments.

2. OpenSky Secured Visa Card

One of the best things about this credit card is that it lets you establish a credit history for your business. Here, it reports your spending to the credit bureaus. However, the annual fee for this card is $35, which is quite high. Additionally, you have to pay a foreign transaction fee of 3%. Meanwhile, this way, after six months, you can upgrade to an unsecured credit card. 

This card also has one of the best APRs of about 22%.

3. Discover It Secured

There are no annual fees, and you will also get a good cashback program. It also reports to the top three credit bureaus.

4. Revenued Business Card

You will not have to make any personal guarantee here and will also not face any credit checks. Furthermore, there are also no annual fees.

5. Spark Classic From Capital One

There are no annual fees and foreign transaction fees. It also reports to the top three credit bureaus.

6. Platinum Secured From Capital One

In this case, as well, there are no annual fees. Apart from that, you will also get a credit limit higher than your deposit amount.

7. Credit One Platinum Visa For Rebuilding Credit

You will not have to make any security deposit here, and you will also get 1% cashback on spending categories.

8. Citi Secured Mastercard

There are no annual fees, and you will also get a good cashback program. It also reports to the top three credit bureaus.

9. Bank Of America Business Advantage Unlimited Cash Rewards Secured Credit Card

With this card, you will get a variety of benefits. Some of them include travel insurance benefits, including up to $100,000 in travel accident coverage, lost luggage assistance, emergency ticket replacement, auto rental insurance, and more.

Final Thoughts

Hope this article was helpful for you to get an idea of the best startup business credit cards with no credit. If you want to get a credit card for your business, consider choosing from among the options mentioned above based on what your business needs at the moment. However, realistically speaking, for startups with no credit, the options are limited.

The options that are given above are great places to start if you are the owner of a startup and are seeking your first credit card. Choosing one of these options will let you build your credit.

Do you have any more suggestions regarding credit cards for startups with no credit? Share your options with us in the comments section below.

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