Many business owners don’t realize this… You can apply for certain business credit cards using only your EIN (Employer Identification Number) instead of your Social Security Number. This allows you to begin separating your personal credit from your business operations and start building business credit under your company. While many traditional banks still want a personal guarantee, a growing number of corporate cards are designed specifically for small businesses, startups, and online companies that want to operate using their EIN. Let’s break it down. What Is an EIN-Only Business Credit Card? An EIN-only credit card allows a business to apply using: • Business EIN • Business bank account • Business revenue data Instead of relying on the owner’s personal SSN or personal credit history. These cards typically report to business credit bureaus, helping your company establish its own financial profile. 5 Business Credit Cards That Work With EIN 1️⃣ Ramp Business Credit Card Best overall EIN-only card Features: • Cashback on purchases • Expense management software • Unlimited employee cards • Custom spending limits • Automated receipt matching Requirements: • About $25,000 in a business bank account • Balance paid monthly Annual Fee: $0 2️⃣ Nav Prime Card Best for building business credit Features: • Reports to major business credit bureaus • No personal credit check • Helps establish business credit history Requirement: • Must have a Nav Prime membership Cost: $49/month subscription 3️⃣ BILL Divvy Corporate Card Best for expense management Features: • Expense management tools • Category-based spending limits • Rewards points system Note: Uses EIN but may require a soft SSN check. Annual Fee: $0 4️⃣ Coast Fuel Card Best for businesses with vehicles Perfect for companies that manage fleets. Features: • Fuel rebates • No personal guarantee • Driver spending controls • Vehicle-level limits Cost: $2/month per card 5️⃣ Stripe Corporate Card

Sorry I got held up. We will hold this week’s meeting tomorrow at 6:30 PM EST.