Updated 27 March 2026
Best Business Credit Cards for Startups
New businesses can get approved for business credit cards even without revenue history. Here are the best options for startups in 2026.
Capital One Spark 1% Classic
Best for: Building business credit from scratch
$0
annual fee
No revenue requirements, reports to business credit bureaus, simple flat 1% cash back on everything
Brex Card
Best for: Funded startups with bank balance
$0
annual fee
No personal guarantee, no personal credit check. Credit limit based on cash balance. Best for VC-backed startups.
Ramp Card
Best for: Startups wanting expense management
$0
annual fee
Free spend management software, automated receipt matching, 1.5% cash back. Requires $25K+ in bank.
Chase Ink Business Unlimited
Best for: Startups with good personal credit
$0
annual fee
1.5% flat cash back, $750 signup bonus after $6K spend. Requires personal guarantee.
American Express Blue Business Cash
Best for: Startups spending under $50K/yr
$0
annual fee
2% cash back on first $50K, then 1%. 0% intro APR for 12 months on purchases.
Can You Get a Business Card with No Revenue?
Yes. Most traditional business credit cards (Chase, Amex, Capital One) use your personal credit score and personal guarantee for approval. They ask for business revenue but a $0 or projected number is acceptable for new businesses.
Cards like Brex and Ramp skip personal credit entirely and evaluate your business bank balance instead. These work for funded startups but not for bootstrapped businesses with minimal cash.