5 best business credit cards with EIN only in 2025

After spending over a decade writing about small business finance and helping founders navigate funding options, I've seen firsthand how the right corporate card can transform a company's financial operations. 

In addition to offering financial flexibility, the right cards can also offer personal protection, keeping your business and personal assets separate (and protecting the latter!). 

So if you’re wondering if you can secure funding or get a corporate card with just your EIN, the answer is yes — but only if you know where to look and what qualifies as a true EIN-only card.

EIN-only cards are corporate cards with corporate liability, offering some protection for your personal credit while requiring stronger business financials. These aren't your typical small business credit cards that tie back to your SSN; they're corporate-grade financial tools that treat your business as the standalone entity it is

After researching dozens of options and reviewing their actual approval processes, I've identified five corporate card options for 2025.

Rippling takes the top spot — not just because it offers true EIN-only approval with no personal guarantee, but because it's the only option that integrates your corporate card with payroll, HR, and IT in a single platform. 

However, other options may offer unique benefits that better fit your needs, so we’ll break down the five best EIN-only choices so you can choose the right card for you. 

The corporate card with a built-in back office

See Rippling Spend

Why EIN-only business credit cards and charge cards matter

EIN-only cards fundamentally change how businesses manage spending and liability. 

When you get a business credit card with no SSN required, you're accessing corporate-level protections that most small business financing options don't offer.

Here's what makes them different: 

• There’s no personal SSN on the application

• There's no personal guarantee tying you to company debt

• You get complete separation between business and personal credit histories. 

This offers a layer of protection for founders' personal credit scores and assets while allowing companies to build business credit as standalone entities.

The shift to EIN-only eligibility signals financial maturity for your business. It means lenders view your company as creditworthy based on its own merits (including annual revenue, cash flow, and business history) rather than relying on your personal credit as a backstop. This transition typically happens when businesses hit consistent revenue milestones and demonstrate stable financial operations.

For growing companies, the distinction between corporate credit cards and business credit cards becomes crucial. Traditional business cards often require personal guarantees even when issued to established companies. True EIN-only corporate cards eliminate this risk entirely.

Types of EIN-only cards available

Not all EIN-only cards work the same way or have the same purpose. Understanding the differences helps you choose the right solution for your business's specific needs and financial situation. 

Corporate charge cards 

Corporate charge cards allow you to make purchases with credit but require full repayment at the end of each pay period. Unlike credit cards, you can’t pay off only a portion of the balance and then pay interest on the rest. 

Unlike some other types of financing, corporate charge cards typically do not require a personal guarantee, meaning your personal assets won’t be leveraged as collateral. As a result, your business typically needs a strong financial history and positive cash flow for this to be an option. 

They're ideal for companies with strong cash flow that want maximum spending power without personal risk. Examples include Rippling, Ramp, and Stripe’s corporate cards. 

Purchasing, virtual, and ghost cards

Often part of commercial banking programs, these corporate credit cards with EIN-only approval create virtual card numbers for specific vendors, departments, or purchases. They're excellent for controlling certain types of spending and subscription management, though they typically require an existing banking relationship.

Secured/prepaid EIN-only cards

While technically available with just an EIN, secured cards require upfront deposits and don't offer true credit lines. They're easier to obtain but don't provide the spending flexibility or credit-building benefits of unsecured corporate cards. 

For established businesses, corporate charge cards like Rippling offer far superior functionality and flexibility without requiring collateral.

Quick comparison: EIN-only business credit and charge cards at a glance

Choosing the right EIN-only corporate card means understanding what each platform truly offers. Here’s a quick look at five of the best corporate cards on the market (but don’t worry — we’ll go more into detail in the coming sections!).

Methodology: How we chose these EIN-only cards

I've written about business finance and funding options for the better part of the last decade, giving me deep insight into what separates marketing claims from actual business value. 

For this analysis, I focused on platforms that offer EIN-only approval and prioritized finding diverse solutions that would offer distinct benefits based on your business’s needs. In addition to reviewing each platform’s available documentation, I also assessed reviews online to gain insight into the true customer experience. 

My evaluation criteria included:

• EIN-only approval possible without needing an SSN and no personal guarantee. 

• Corporate liability with no personal guarantee for true separation of business and personal finances.

• Designed for SMBs through mid-market companies, ensuring that they’re accessible to growing businesses — not just enterprises. 

• Spend controls and automation features that offer modern functionality that extends beyond basic card issuance. 

• Transparency of eligibility requirements, with clear communication about what businesses actually need to qualify (though most products do require demos and sales conversations for more information). 

Deep dive: My full review of each card

Now let's examine what each platform actually delivers for businesses seeking the best corporate cards for SMBs, startups, and growing companies. 

1. Rippling Corporate Card

EIN only: Yes 

Why Rippling stands out: 

Rippling stands out as the only EIN-only corporate card that also unifies expense management, payroll, HR, and IT management. This integration transforms how finance teams operate, allowing for automated and streamlined processes.

When an employee uses their Rippling card, for example, the expense automatically: 

• Is approved based on pre-set spend controls. 

• Is categorized into the correct accounting categories.

• Syncs with payroll for reimbursements, if relevant.

• Updates spend analytics in real-time. 

• Generates 1.75% cash back* on eligible purchases. 

The approval process requires only your EIN, with no personal guarantee or personal credit check. Underwriting focuses on business revenue, cash flow, and bank account health.

The corporate card with a built-in back office

See Rippling Spend

Where Rippling falls short:

• No revolving credit, with charge card model requires paying balance in full monthly

• Requires minimum revenue thresholds that may exclude very early-stage startups

Is Rippling right for you?

You should use Rippling if: 

• You want true EIN-only approval and need to modernize your entire spend management stack — not just get another card.

• You’re scaling rapidly and need cards that automatically enforce policies based on employee data from your HRIS.

You should avoid Rippling’s charge card if:

• You need revolving credit.

• You make less than NUMBER in annual revenue. 

Rippling feature snapshot:

2. Ramp Corporate Card

EIN only: Yes

Why Ramp stands out:

Ramp focuses intensely on automation and savings insights, making it popular with venture-backed startups. Their platform excels at identifying savings opportunities through:

• AI-powered spend insights that flag duplicate subscriptions

• Automated receipt matching and expense categorization

• Price intelligence showing if you're overpaying vendors

• Built-in negotiation services for software contracts

Their EIN-only eligibility requires a strong financial history and annual revenue. 

Where Ramp falls short:

• Strict revenue requirements may exclude smaller businesses

• No native payroll or HR functionality (requires integration with third-party tools)

• Limited customization compared to Rippling's workflow builder

• Approval process can be lengthy for complex businesses

Is Ramp right for you?

You may want to use Ramp if:

• You're a high-growth startup with strong revenue looking for aggressive spend optimization.

• Savings insights and vendor price intelligence are top priorities.

You should avoid Ramp if:

• You want a comprehensive solution that includes payroll or HR features.

• You need scale outside of the U.S. 

Ramp feature snapshot:

Pro tip: If you’re considering Ramp, you may want to compare  Ramp’s vs. Brex's corporate cards, as they offer similar perks.

3. Stripe Corporate Card

EIN only: Yes (for eligible Stripe users)

Why Stripe stands out:

Stripe's corporate card works within their payments ecosystem, offering unique benefits for existing Stripe customers:

• Seamless integration with Stripe billing and invoicing

• Instant card issuance for approved businesses

• Dynamic spending controls based on payment volume

• Direct connection to your Stripe revenue dashboard

• The invite-only program is only for Stripe users. 

Where Stripe falls short:

• Invite-only program limits accessibility

• Requires existing Stripe relationship with significant volume

• Minimal expense management features compared to other dedicated platforms

• No standalone value without Stripe payments

Is Stripe right for you?

You may want to use Stripe if:

• You're already processing significant payment volume through Stripe

• You value simplicity and want everything in one ecosystem

• You prefer working with a single vendor for payments and corporate cards

You should avoid Stripe if:

• You don't use Stripe for payment processing

• You need comprehensive expense management features

• You want a corporate card solution that integrates with critical business functions like HR or payroll 

Stripe feature snapshot:

4. BILL Divvy

EIN only: Requires SSN or passport for identity verification for Spend & Expense application

Why BILL Divvy stands out:

BILL Divvy offers a potential path to EIN-only eligibility for growing SMBs, with features designed for smaller teams:

• Free physical and virtual cards with no annual fees

• Mobile-first expense reporting

• Budget controls by department or project

• Integration with BILL's AP/AR platform

According to the platform’s documentation, it still requests SSN or passport information for identity verification. 

Where BILL Divvy falls short:

• Inconsistent on true EIN-only approval during the application process

• Less sophisticated automation than Rippling or Ramp

• Limited integration capabilities outside BILL ecosystem

Is BILL Divvy right for you?

You may want to use BILL Divvy if:

• You're an SMB testing corporate cards with basic expense management needs

• You already use BILL for accounts payable and want integration

• You prioritize free cards with no annual fees over advanced features

You should avoid BILL Divvy if:

• You need guaranteed EIN-only approval without any SSN requirements

• You want advanced automation and sophisticated spend controls

• You require enterprise-grade features and reporting

BILL Divvy feature snapshot:

5. Rho Corporate Card

EIN only: Yes

Why Rho stands out:

Rho combines business banking with corporate cards, offering a unified financial platform:

• Corporate cards tied directly to your business checking balance

• Built-in treasury management for cash optimization

• Automated expense categorization with banking integration

• Single platform for banking, cards, and expense management

Their fintech-first approach appeals to digitally native companies seeking modern banking alongside spend management.

Where Rho falls short:

• Requires moving your business banking to Rho

• Smaller ecosystem than established players

• Limited track record compared to others

• Geographic limitations for some banking features

Is Rho right for you?

You may want to use Rho if:

• You want to consolidate banking and corporate cards with one fintech provider

• You're frustrated with traditional banking and ready for a modern alternative

• You prefer having treasury management and cards on the same platform

You should avoid Rho if:

• You're satisfied with your current banking relationship

• You want a solution that integrates natively with HR or payroll functionality

• You need proven enterprise features with extensive track record

Rho feature snapshot:

Which EIN-only card is best for your business?

After my research and analysis, here's my recommendation for about the best corporate cards based on different business structures and priorities: 

All-in-one, integrated solution: Rippling wins for companies that want to transform their entire operational stack, not just add another card. The seamless integration between corporate cards, payroll, HR, and IT creates efficiencies and eliminates manual work for finance, payroll, and HR admins.

Automation-first: Ramp suits venture-backed startups obsessed with efficiency and savings optimization.

Payments ecosystem users: Stripe makes sense only if you're already deeply embedded in their payments infrastructure.

SMBs testing eligibility: BILL Divvy offers a potential entry point, though the SSN or passport for identity verification makes it less of a true EIN-only card.

Fintech-first banking: Rho may benefit companies looking for a comprehensive banking and charge card solution. 

Outsource spend management with Rippling

Rippling transforms corporate spending from a compliance burden into a competitive advantage. Unlike traditional corporate cards that exist in isolation, Rippling's corporate card operates as part of your unified workforce platform.

When you issue a Rippling corporate card to an employee, it automatically inherits their permissions, spending limits, and approval chains from your HR system. 

Need to adjust spending limits when someone gets promoted? It happens automatically. 

Want different policies for engineering versus sales? Rippling's workflow automation handles it without manual intervention.

The platform's true power emerges at scale. Finance teams report closing their books 5x faster because every transaction arrives pre-coded with the right employee, department, project, and GL codes. There's no chasing receipts or manually categorizing expenses — everything flows through automated workflows you design.

Most importantly, Rippling delivers true EIN-only approval with no personal guarantee and no personal credit checks. Your business qualifies based on its own financial strength, keeping personal and business finances completely separate.

Ready to see why Rippling is the only EIN-only card that modernizes your entire back office? Get started with Rippling's corporate card. 

FAQs on EIN-only cards