Finding a business credit card that doesn't require a personal guarantee and can be obtained with an EIN while having bad credit can be a challenge, but there are several options available. Here’s a summary of the best choices currently recommended:

1. Brex Business Credit Card: Brex offers a card that requires no personal guarantee for established businesses. However, it's important to be aware that it may have relatively high monthly fees compared to traditional annual fees. More details can be found on the Brex website.

2. Rho Card: This card is particularly appealing for its low-cost structure and the cashback it provides on purchases. Rho also integrates various business financial services, making it a multifunctional option for managing business finances. For further information, visit the Rho blog.

3. Secured Business Credit Cards: Suggested by Nav, these cards can be an excellent option for business owners with little to no credit history or those looking to rebuild their credit. Secured cards require a cash deposit as collateral, which serves as your credit limit. More insights can be found on the Nav website.

4. Capital on Tap Business Credit Card: NerdWallet highlights this card as it offers 1.5% cashback on all purchases, no annual fee, and potential for a low APR—ideal for those starting a business with bad credit. For more details, you can check out NerdWallet's guide.

5. Startup Business Credit Cards: The eCredable blog lists several startup business credit cards that do not require a credit check, including FairFigure Capital Card and Spark 1% Cash Back Business Credit Card. These cards can help new business owners establish credit history. More options can be found in the eCredable article.

6. Ramp Corporate Card: This card is another option that has been noted for its low capital requirements and the accessibility it offers to business owners using only their EIN. You can learn more on the Ramp blog.

7. WalletHub’s Recommendations: WalletHub discusses various business credit cards for those with bad credit, but it's important to note that companies like American Express do not currently issue cards for individuals with bad credit. For updates and options, refer to WalletHub's article here.

These options provide a mix of features and eligibility requirements, ensuring that business owners with bad credit can explore potential credit solutions tailored to their needs.

Sources

5 Best Business Credit Cards You Can Get With an EIN Only | Brex16 business credit cards with an EIN only (and alternatives) - RhoGet an EIN-Only Business Credit Card Without Using a SSN - NavBest business credit cards for bad credit - NerdWalletStartup Business Credit Cards with No Credit EIN Only - eCredableHow to Get a Business Credit Card With an EIN Only - Ramp5 Best Business Credit Cards for Bad Credit (March 2025) - WalletHub

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