Can you get a business credit card with just an EIN number?
Isabella Turner
Updated on February 12, 2026
If you have an employer identification number (EIN) — a nine-digit tax ID number assigned to your business by the IRS — you can use it to apply for a small-business credit card. Many small-business cards require good to excellent personal credit (typically FICO scores of at least 690) for approval.
What credit cards can I apply for with EIN only?
The Absolute Best Business Credit Cards with EIN Only
- Discover it® Student Cash Back.
- Capital One® Spark® Classic for Business.
- Wells Fargo Business Secured Credit Card.
- Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card.
- JetBlue Plus Card.
- Uber Visa Card.
What all can I do with my EIN number?
What can I do with an EIN number?
- Open a Bank Account in the USA.
- Apply for Business Permits.
- File a Business Tax Return.
- Hire Employees.
- Start a Corporation or Partnership.
- Withhold Employee Taxes.
- Apply For a Business Credit Card.
- Apply for Business Loans.
Can you get a loan with a EIN number?
Applying for a loan using an employer identification number, or EIN number, can only legally be done as a business entity. However, legitimate businesses with an EIN number and other corporate documents, such as a license and state incorporation, can apply for loans and credit cards.
Can I use my EIN to buy wholesale?
Businesses that buy wholesale do need to have a tax ID. The IRS issues your tax ID number to you after verifying that you are a legitimate business that qualifies for tax exemptions. To purchase wholesale, and be exempt from tax on your purchases, wholesalers will ask for your tax ID when you place an order.
Where to get a business credit card with Ein only?
Short Answer: Most major issuers of credit cards require a Social Security number in addition to an employer identification number (EIN). However, financial technology company Brex issues EIN-only business credit cards based on the type of business you own.
What do you need to know to apply for an EIN?
All EIN applications (mail, fax, electronic) must disclose the name and Taxpayer Identification Number (SSN, ITIN, or EIN) of the true principal officer, general partner, grantor, owner or trustor. This individual or entity, which the IRS will call the “responsible party,” controls, manages,…
How long does it take to get an EIN card?
You must complete this application in one session, as you will not be able to save and return at a later time. Your session will expire after 15 minutes of inactivity, and you will need to start over. Step 3: Submit Your Application. After all validations are done you will get your EIN immediately upon completion.
Where can I get a business credit card?
We contacted several major issuers of business credit cards, including Chase, Citizens, Citibank, PNC, SunTrust, and Wells Fargo. We found that most business credit cards require an EIN plus the Social Security number of the business owner.
