5 business credit cards that don't report to personal credit

Having a business credit card that keeps your personal and business finances separate can be a smart move.
For one, it helps protect your personal credit profile if the business struggles. And it may be easier to get approved if your personal credit needs work.
Read on as we dig into the perks of picking a non-reporting business credit card—along with our top picks in this category.
Why get a business card that won't affect personal credit?
Getting a business credit card that doesn't report account activity to your personal credit file offers some key advantages.
Here are a few top reasons to consider going this route:
- Separate business and personal expenses—Using a dedicated business credit card helps keep your personal and business finances distinct. All business purchases and payments come from the business card, while personal spending stays on your personal accounts. This avoids commingling funds.
- Protect personal credit—your business struggles and misses payments, it only impacts the business credit profile, not your personal score and history. This protects your personal credit.
- Easier approval—Business credit cards without a personal guarantee can be easier to get approved for if your personal credit is poor or minimal. Some don't require a credit check at all.
- Build business credit—Making on-time payments with the business card establishes positive business credit history and score independently from your personal profile.
- Deductible expenses—Purchases made with a dedicated business card are clearly tied to the business, making tax time easier. The card provides deduction documentation.
Let's review 5 top business credit cards that don't report to personal credit bureaus.
Wells Fargo Business Platinum credit card
The Wells Fargo Business Platinum Credit Card lets you build business credit without impacting your personal credit file.
Key perks:
- 0% intro APR for 9 months on purchases and balance transfers (13.99% - 21.99% variable APR after intro period)
- No annual fee
- Rewards program lets you earn points or get cash back
- Cell phone protection covers damaged or stolen devices
Best for: Businesses looking for an affordable card to keep business expenses separate from personal finances. Nice rewards options and cell phone protection are added perks.
U.S. Bank Business Platinum credit card
The U.S. Bank Business Platinum Card provides tools to manage expenses without requiring a personal guarantee.
Key perks:
- 0% intro APR for 12 billing cycles on balance transfers (14.49% variable APR after intro period).
- No personal guarantee required.
- Free employee cards to control employee spending.
- Visa Spend Clarity tool gives snapshots of business spending.
- No personal guarantee required.
- Free employee cards to control employee spending.
- Visa Spend Clarity tool gives snapshots of business spending.
Best for: Businesses seeking an easy-to-use card with expense management features. No personal guarantee helps those with limited credit history qualify.
U.S. Bank Triple Cash Rewards World EliteTM Mastercard®
This Mastercard from U.S. Bank offers generous ongoing cash-back rewards on top of business spending categories.
Key perks:
- 5% cash back on prepaid air, hotel and car reservations booked directly in the first $6,000 spent per quarter.
- 3% cash back on gas station, office supply store, and cell phone service purchases (1% thereafter).
- 1% cash back on all other eligible net purchases.
- $0 annual fee.
Best for: Businesses that make significant purchases in the 5% and 3% rewards categories like travel and gas. Nice ongoing earning potential.
American Express Blue Business CashTM Card
A simple cash-back option from American Express focused on day-to-day business spending.
Key perks:
- 2% cash back on first $50,000 in purchases annually, then 1% back.
- 0% intro APR for 15 months on purchases and balance transfers (13.99% variable APR after intro period ends).
- No annual fee.
- Expanded buying power with the Pay Over Time option.
Best for: Businesses looking to maximize cash back on essential expenses like supplies, utilities, and more up to $50,000 per year. Nice intro APR offer.
Capital One Spark Cash Select
Straightforward unlimited 1.5% cash back business card from Capital One without a personal guarantee.
Key perks:
- Unlimited 1.5% cash back on all purchases.
- No personal guarantee required.
- No annual fee or foreign transaction fees.
- Free employee cards to manage spending.
Best for: Businesses that want a simple cash-back card option without providing a personal credit history or guarantee. Easy rewards structure.
What to look for in business cards that won't affect personal credit
If you've decided this type of card is right for your business, here are some key features and factors to look for as you compare options:
- No personal credit check or guarantee—The card shouldn't require a personal credit check or guarantee to be approved. You provide business documents only.
- 0% intro APR offer—Look for a 0% introductory APR offer on purchases and/or balance transfers if possible. This saves on interest.
- Generous ongoing rewards—The card should offer reasonable ongoing rewards on business spending - at least 1-2% cash back or points is ideal.
- No annual fee—Avoid business cards with high annual fees to maximize value. $0 annual fee cards offer the most savings.
- Virtual card numbers—Virtual card numbers you can generate for online purchases enhance security and control.
- Mobile app—A good mobile app makes managing the business card easier through card controls, notifications, and more.
- Fraud protection—Robust fraud protection provides peace of mind in case the card number is compromised. Look for zero liability.
With the right business card that doesn't report to your personal credit file, you can simplify separating business and personal expenses while earning solid rewards. Just focus on paying the card off each month.
Pick a card that suits your needs
Getting a business credit card that doesn't report to the consumer credit bureaus or require a personal guarantee can be beneficial in separating personal and business finances. It streamlines deducting business expenses come tax time too.
Just be sure to make on-time payments, keep utilization low, and manage employee usage responsibly. Doing so will help build your business credit history independently over time.
Focus on finding a business card that aligns well with your spending categories and offers attractive rates, rewards, and management features. Take time to understand the approval criteria for no-personal credit cards as well.
With the right card choice and responsible habits, you can keep your personal credit intact while establishing solid business credit standing.
Having this separated business financing foundation aligned provides helpful flexibility.