● BUSINESS CREDIT
Business credit cards with EIN only
True EIN only cards are rare. Most business cards, including 0% APR cards, ask for your SSN and check your personal credit, even when the card is in the business name. Strong personal credit is the fastest way to approval.
What issuers check
- Your personal score and report
- Your business details and EIN
- Stated income or revenue
- Recent inquiries
0% APR business cards
Intro 0% periods often last 12 months or so, which can give a new business room to grow. You usually need good personal credit, often 680 or higher, to be approved.
How to get approved
- Get your personal score to 680+
- Keep card use under 30%
- Space out applications
- Make sure your business details match everywhere
Questions people ask
Can I get a business credit card for a new LLC?
Yes. Approval is usually based on your personal credit.
Do business cards report to personal credit?
Many only report to personal bureaus if you default, but policies vary by issuer.
Can I apply with my EIN instead of my SSN?
Most issuers still ask for your SSN as the guarantor.
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For information only, not financial or legal advice. Results vary and approval is never promised.