Maria Adams, Credit Cards Moderator
@m_adams
The best soft pull business credit card is the Brex Corporate Card for Startups because it does not check your personal credit at all during the approval process, basing your eligibility on your business performance instead. In addition, the card does not require a personal guarantee. That means you won’t be held liable for paying back balances that your business can’t manage.
The Brex Card has a $0 annual fee and offers 1 - 7 points per $1 spent on purchases. Plus, you can earn an initial bonus of 30,000 points for spending $3,500 or 50,000 points for spending $9,000 in 30 days.
Best Soft Pull Business Credit Cards in 2026
- Brex Corporate Card for Startups
- Ramp Corporate Card
- BILL Divvy Card
- Capital On Tap Business Credit Card
- Rho Corporate Card
- Amex Corporate Green, Corporate Gold, and Corporate Platinum cards
Some of the cards above only perform a soft credit pull, while others don’t do a credit check at all. In both cases, there’s no impact on your credit score, but companies that do a soft pull still see a limit version of your credit report and may take that information into consideration during the approval process.
You can learn more about soft pull credit cards and business credit cards with no personal guarantee here on WalletHub.
Alternatives to Soft Pull Business Credit Cards
Although there aren’t many business credit cards that you can get with just a soft pull (or no credit check at all), there are several credit card issuers that allow you to check for pre-approval before applying.
This is the next best thing, as checking for pre-approval results in a soft pull, and it is a good way to gauge your approval odds without damaging your credit. However, there will still be a hard pull once you submit your application.
One good credit card that allows you to check for pre-approval and has lenient approval odds is the Business Advantage Unlimited Cash Rewards Secured credit card. This card awards users with 1.5% cash back on purchases, and it has a $0 annual fee. It accepts applicants with bad credit.
Easy Approval Credit Cards for Business
- No Personal Credit Check: Brex Corporate Card for StartupsLearn MoreLearn Moreon issuer's website
- No Personal Credit Check: Brex Corporate Card for StartupsLearn MoreLearn Moreon issuer's website
- No Personal Credit Check: Brex Corporate Card for StartupsLearn MoreLearn More
- Cash Rewards: Business Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More
- Cash Rewards: Business Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn Moreon issuer's website
- Cash Rewards: Business Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More
- Interest on Security Deposit: First National Bank of Omaha Business Edition® Secured Mastercard® Credit CardLearn MoreLearn More
- Interest on Security Deposit: First National Bank of Omaha Business Edition® Secured Mastercard® Credit CardLearn MoreLearn Moreon issuer's website
- Interest on Security Deposit: First National Bank of Omaha Business Edition® Secured Mastercard® Credit CardLearn MoreLearn More
- Rates & Fees Personal Card Option: opensky® Launch Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Personal Card Option: opensky® Launch Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Personal Card Option: opensky® Launch Secured Visa® Credit CardLearn MoreLearn More
- No Personal Credit Check:
- Cash Rewards:
- Interest on Security Deposit:
- Personal Card Option:
You can also check out our editors’ latest picks for the best business credit cards for bad credit. Even though applying for these cards will result in a hard pull, they are relatively easy to get.
Popular Credit Cards from Our Partners
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Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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Stella Murphy, Member
@stella_m_dsg
Most business credit cards will do a hard pull on your personal credit at some point. Trying to avoid it will limit your options considerably.
Hannah Gray, Member
@hannah_gray_att
Any small business credit card is going to do a hard pull on your personal credit report. Don’t base your choice on this.
Alexander Howard, Member
@alexh_finance
It’s annoying there aren’t more options!
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read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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GM Rewards Business Card by Goldman Sachs = soft pull only
This is NOT TRUE. I had to comment on this because I know there are business owners who do not want a hard pull when getting a business credit card. There are IN FACT business credit cards that do not require a hard pull such as Capital on Tap & Citizens Bank.