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“No matter how brilliant your mind or strategy, if you're playing a solo game, you'll always lose out to a team." - Reid Hoffman, Linkedin co-founder

As a woman entrepreneur and veteran, I understand the unique challenges we face in building and growing our businesses. Establishing a strong financial foundation includes obtaining business credit cards that relies solely on your Employer Identification Number (EIN). This approach protects your personal credits, builds your business credit profile and opens you up to better rates, terms and higher approvals. 

Why Choose EIN-Only Business Credit Cards?

They're designed to separate your personal and business finances. They don't typically report to personal credit bureaus so that means your personal credit remains unaffected by business expenses. PLUS these cards often consider your business's financial health rather than your personal credit score, making them ideal for entrepreneurs like women and veterans, focused on building their business credit and saving time. 

Business Credit Cards with EIN Only: THE BEST

*Every situation is unique, so make sure you qualify before you apply. 

Tailored for Women and Veterans

These EIN-only business credit cards are particularly beneficial for women and veteran entrepreneurs who just didn't know this was available previously. These cards provide an opportunity to build your business credit independently, which is crucial for accessing larger lines of credit and favorable loan terms in the future. By focusing on your business's financial health, these cards acknowledge the unique experiences and strengths that you bring to entrepreneurship.

 Think You Have an EIN-ONLY Card? Read This Before You Swipe

Let’s get real — trying to find a true EIN-only business credit card can feel like chasing a myth. A lot of cards claim to be EIN-only, but once you get into the fine print, you're hit with the same old story: personal credit checks, SSN requirements, or worse — personal guarantees that put your assets on the line.

At DFX, we’re here to cut through the noise. When we say EIN-only, we mean:

• ✅ Your business stands on its own. These cards look at your business credentials only — not your personal credit — during the application process.

• ✅ No personal credit check. Some may ask for your SSN just to verify identity, but not to run your credit. And the ones we truly love? They don’t ask for your SSN at all.

• ✅ No personal guarantee. We don’t believe you should risk your home, savings, or personal assets just to get funding for your business. That’s not how we build generational wealth.

• ✅ They don’t report to personal credit bureaus. This is key. Some cards say they’re business-only, but still report negative activity to your personal credit. Not on our watch.

How We Chose the Best EIN-Only Business Credit Cards

At DFX, we do the digging so you don’t have to.

We researched the most commonly recommended EIN-only business credit cards, reviewed the fine print, checked the requirements, and even spoke directly to customer service reps to confirm: no personal credit check, no personal guarantee.

Then we prioritized cards that are:

• Truly EIN-only (with no social security number required)

• Designed for small business owners

• Packed with rewards or reporting benefits

• Useful for credit building and daily business needs

Heads up: some of these cards are always EIN-only, while others may require you to hit certain benchmarks first.

Let’s break them down 👇

1. 💳 FairFigure Capital Card

Why We Love It:
No credit history? No problem. This card helps you build business credit fast – and it actually gives you funding.

💡 Key Facts:

• Annual Fee: $0

• Monthly Fee: $30 (includes FairFigure credit monitoring)

• Reports To: D&B, Equifax, CreditSafe, SBFE

• Personal Guarantee: ❌ Nope

• Rewards: Cash back on vendor purchases

  

• Requirements:

  • 3+ months in business

  • $2,500 monthly revenue

  • FairFigure Foundation score of 25

  • Daily balance of $200+ (recommended)

• Approval Time: Up to 3 days (can be same-day funding)

This card doesn’t just build credit — it gives you two tradelines: one from the card itself and one from their credit monitoring. That monthly fee actually works in your favor.

The only downside? Short-term financing (4–8 week payback), so this is not a revolving credit card.

2. 💼 Rho Corporate Card

Why We Love It:
Perfect for scaling businesses that need expense management, employee cards, and cashback – all without a PG (personal guarantee).

💡 Key Facts:

• Annual Fee: $0

• Late Fee: 3% of delinquent balance

• Reports To: Small biz credit bureaus (at their discretion)

• Personal Guarantee: ❌ Nope

• Rewards:

  • Up to 2% cashback (based on card type)

• Requirements:

  • Must be incorporated in the U.S.

  • U.S. Person (as defined by regulations)

  • Recommended: $250,000 deposit (but can be waived)

• Approval Time: 1–2 days

This is a charge card, so you’ll need to pay your balance in full — but it grows with your business.
Not for sole props or unincorporated businesses.
They do report, but it’s not guaranteed or consistent.

3. ⛽ AtoB Flex Fuel Card

Why We Love It:
A fleet card that helps cut fuel costs AND build business credit with no PG? Yes, please.

💡 Key Facts:

• Annual Fee: $0

• Set-Up Fee: $35

• Monthly Fee: $15 (for 1–5 cards), +$3 per extra card

• Premium Option: $3/month extra

• Reports To: Experian

• Personal Guarantee: ❌ Nope

• Rewards:

  • Up to $2.00 off per gallon (diesel)

  • 5¢ off unleaded + extra 21¢ via Premium

• Requirements:

  • U.S. incorporated business

  • Operate a fleet

• Approval Time: 1–7 days

It’s a great tool for logistics or service-based businesses with vehicles.
Yes, it comes with some fees — but the fuel savings and Experian reporting might be worth it.

4. 🚀 Brex Corporate Card

Why We Love It:
If you’re a tech-savvy or growing startup, Brex gives you expense management, rewards, and no PG – all rolled into one.

💡 Key Facts:

• Annual Fee: $0

• Late Fees: 2.99% of delinquent balance or $38

• Reports To: Equifax, D&B, Experian

• Personal Guarantee: ❌ Nope

• Rewards:

  • 7x on rideshare

  • 4x on Brex travel

    

  • 3x on restaurants

  • 2x on software

  • 1x everywhere else

• Requirements:

  • U.S. business with physical address

  • Strong revenue, funding, or cash reserves

• Approval Time: Minutes

They don’t check your credit — but they do want to see you have money in the bank or venture backing.
More ideal for funded or scaling businesses, not side hustles or startups.

Want help figuring out which EIN-only credit card is the best move for your business?
👩🏽‍💻 Tap into our credit coaching program or 📲book a strategy session.

💳 The Perfect EIN-Only Business Credit Card (Without the Personal Guarantee)

Yes, you can get business credit cards using your EIN only — but here’s the real deal:
It depends on how your business credit profile and revenue look behind the scenes.

👉 Avoid giving a personal guarantee unless the rewards outweigh the risk.
If a card is offering major perks or high limits and you’re prepared to take on the responsibility, that’s one thing. Otherwise, don’t volunteer your personal credit just to “get in the door.”

🔍 What to Look For

Not every business card fits every business. You need to look for:

• Reporting to business credit bureaus

• No personal guarantee or credit check

• Rewards that actually matter to your business

• Terms that work for your current stage

This isn’t one-size-fits-all.
The best card for your business structure, cash flow, and goals might not work for someone else.

💡 Do your homework. That’s why we created a free EIN-only credit card list and comparison guide to help you decide.

Why It Matters

Getting the right business card is more than just perks.
It can:

• Help you build credit history

• Make it easier to qualify for business loans

• Strengthen your case for business lines of credit

• Keep your personal credit protected

But don’t skip steps — build your business credit in the right order to get the best results, fast.

Resources to Help You Execute:

✅ Ready to Get EIN-Only Credit the Smart Way?

👉 Step 1: Download our free guide: 12 Lines and Cards for Your Business
👉 Step 2: Join our Business Credit Accelerator if you want $50K+ in credit — guaranteed.
👉 Step 3: Book a strategy session and let us help you figure out what cards, credit lines, and lenders match your business stage.

👉 Step 4: Subscribe to our YouTube Channel for FREE Courses & Trainings EVERY Week!

DFX: apply for funding today!

Get started https://dominofxgroup.com/get-started

Services

• Experience. Over 100 years professional lending experience

• Resources. Access to hundreds of private (non-bank lenders)

• Response. Experience underwriting team. Streamline system with In-depth analysts and advisors.

• Target Focus. No two loans are the same, and no two lenders have the same lending policy. We know where to go and what they want to see in the loan package.