{"id":3522,"date":"2023-01-08T21:57:46","date_gmt":"2023-01-09T02:57:46","guid":{"rendered":"https:\/\/www.northone.com\/blog\/?p=3522"},"modified":"2023-06-26T12:16:56","modified_gmt":"2023-06-26T17:16:56","slug":"how-to-get-a-business-credit-card-with-an-ein","status":"publish","type":"post","link":"https:\/\/www.northone.com\/blog\/financial-management\/how-to-get-a-business-credit-card-with-an-ein","title":{"rendered":"How to Get a Business Credit Card With Just An EIN"},"content":{"rendered":"\n

Whether you\u2019re trying to keep your business and personal finances separate, or you simply want to work on building business credit<\/a>, you can get a business credit card with an employer identification number (EIN). While small businesses may have a tough time getting a small business credit card that accepts an EIN rather than a Social Security number, it\u2019s possible to apply for credit only using your EIN.<\/p>\n\n\n\n

Establishing your business credit card with an EIN is a relatively simple process: just sign up for an EIN<\/a>, then use it in place of your Social Security number when applying for credit. Here\u2019s how it works.<\/p>\n\n\n\n

<\/span>Why apply for business credit cards with an EIN?<\/strong><\/span><\/h2>\n\n\n\n

When you apply for business credit, the credit card company will perform a hard inquiry on your credit line. This may not work for everyone, especially if your personal credit has recently taken a hot.<\/p>\n\n\n\n

Fortunately, although corporate cards have stricter application requirements, it\u2019s entirely possible to receive a business credit card without having to list your SSN. This makes it easier to keep your finances separate and won\u2019t result in your personal credit score being affected by the inquiry.<\/p>\n\n\n\n

Typically, however, if you\u2019re just starting to establish business credit, you may not be able to qualify for a business credit card on your own\u2014you need high revenue and good business credit. If you need a business card and don\u2019t have business credit, you might need to look for a card that doesn\u2019t require a personal guarantee.<\/p>\n\n\n\n

On the other hand, if you do apply for a business credit card with your Social Security number, you can always reserve it for occasions in which you have already budgeted to pay it back. This helps establish business credit, and will make it easier for you to get a card without a hard inquiry on your personal credit.<\/p>\n\n\n\n

<\/span>How to apply for a business credit card with an EIN<\/strong><\/span><\/h2>\n\n\n\n

It can be tough to find a card issuer who will let you apply with just your EIN. You\u2019ll need to perform careful research and find a card that\u2019s right for you. Here\u2019s how it works:<\/p>\n\n\n\n