When you apply for a business credit card, the issuer will request a social security number during the application process. Your SSN helps issuers check your personal credit to determine your creditworthiness for a small-business credit card.
When filling out a credit application for your business, you can also include an employer identification number. An EIN is a number that credit bureaus and the IRS use to identify businesses — the same way an SSN identifies individuals and is unique to each person. Based on your business legal structure, you may have an EIN or not need one at all. However, if you want to separate your personal and business finances, you may not want to include your SSN and be subject to a personal credit check.
This article covers the basics of an EIN and explains how to open a business credit card with an EIN only.
How to get an EIN
Businesses of all sizes use an EIN to file taxes. A business must obtain an EIN if it has an employee other than the business owner, if it’s a corporation or partnership, or if it files a certain type of tax return. If you don’t have an EIN, your first step is to obtain one.
Luckily, the process of getting an EIN is simple. Businesses can request an EIN from the IRS at no cost. The IRS’ online application is the best way to get an EIN. The information you provide is validated in real-time, and an EIN is issued immediately at the end of the application.
While the online request form is the quickest way to obtain an EIN, you can also request it by mail. If you work with a business formation company, they may include or offer this service.
Can I get a business credit card using an EIN only?
You can open a business credit card with an EIN only; however, your choices will be limited. This is because most small-business credit card issuers require either an SSN, EIN or both during the application process.
Note that while sole proprietors can get an EIN, it’s not necessary, as they must use their SSN to be eligible for a business credit card. I have applied for and been approved for both the Citi® / AAdvantage Business™ World Elite Mastercard® (see rates and fees) and Ink Business Preferred® Credit Card using my SSN without the need for an EIN due to my business structure as a sole proprietor.
For new businesses without an established credit history, getting approved for a card using just an EIN is difficult. Additional requirements may include meeting specific criteria for monthly revenue or holding a specific amount of money in your business checking accounts. Businesses with established credit have a much better chance of being approved for a card, specifically a corporate card, with an EIN only.
Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
Related: Best business credit cards
Types of EIN business credit cards
There are several types of EIN-only credit cards available to businesses, including corporate credit cards, fuel cards and secured business credit cards.
Corporate credit cards are linked to the corporate account rather than an individual. Generally speaking, corporate credit cards are available to businesses with an annual revenue of $4 million or more and have an established business credit history.
A popular choice is the Brex Corporate Card for startups, thanks to its bonus-earning categories for large businesses. However, card eligibility requires applicants to have at least $100,000 in a business bank account to qualify. A corporate credit card is the right choice for LLCs, S-Corps, or C-Corps, as there is almost no reason why a sole proprietor would need one.
The information for the Brex Corporate Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Fuel companies issue fuel credit cards to help businesses manage their gasoline purchases. Fuel cards are unique because they can only be used to fill at a specific company’s gas stations and cannot be used for other types of purchases. If you find a fuel card too restrictive in terms of use, consider a corporate card to charge fuel expenses to.
A secured business credit card may be the right choice for businesses with a limited credit history when looking for an EIN-only card. A secured card requires a deposit with the issuer, and it’s held as collateral if the cardholder does not pay their statement for purchases they’ve made.
Out of all the types of EIN-only cards, secured business credit cards are easier to obtain due to the added security the collateral provides. The credit limit on secured business credit cards equals the security deposit amount, and the issuer reports payments to business credit reporting agencies.
Benefits of an EIN-only credit card
The benefit of using a credit card only associated with an EIN is that it helps differentiate your personal finances from your company’s. An EIN-only credit card helps establish your business credit score, strengthening your company’s creditworthiness and making it easier for you to access additional lines of credit in the future.
A benefit of separating your personal and business finances when opening business credit cards with an EIN is that it protects your personal assets if your business fails or faces a lawsuit. This includes derogatory marks on your personal credit history, such as late payments.
Cons of an EIN-only credit card
Although opening a business credit card with an EIN may appeal to some, there are several drawbacks.
The biggest downsides of applying for a credit card with only an EIN: There aren’t that many to choose from, and they may be more difficult to qualify for. This places EIN credit cards out of reach for many small and medium-sized businesses.
Another drawback to EIN-only credit cards is that your business’ good credit history will not be reflected on your personal credit report. Factors such as length of credit, credit limit and timely payments will not be displayed on your personal credit report. Thus you could miss out on potentially strengthing your FICO score and overall credit profile.
Bottom line
It is entirely possible to obtain a business credit card with an EIN only, but be aware of the caveats. EIN-only credit cards are limited in their offerings and often include additional requirements that may be hard to meet. Despite being able to get an EIN quickly and easily from the IRS, there may be little benefit to your personal credit and FICO score should you choose to open a business credit card with an EIN.
For more information, check out our list of the best business cards.
ADVERTISEMENT:
Hai, para pencinta slot! pernahkah denger istilah “slot gaco”? Kalau tidak, siap-siap jatuh cinta dengan konsep ini. slot demo merupakan mesin slot yang selalu kasih kemenangan. Yup, mesin-mesin ini bisa dikatakan adalah jagoannya tuk bawa come back cuan. tapi, cemana sih
tekniknya nemuin slot demo yang benar? Santai Bro and Sis, kita beri tenang saja di tempat ini
Game terpopuler saat sekarang hanya satu berada Indonesia hanya di pasti memberikan return on Investment terbesar
SEGERA hanya di :
Informasi mengenai KING SLOT, Segera Daftar Bersama king selot terbaik dan terpercaya no satu di Indonesia. Boleh mendaftar melalui sini king slot serta memberikan hasil kembali yang paling tinggi saat sekarang ini hanyalah KING SLOT atau Raja slot paling gacor, gilak dan gaco saat sekarang di Indonesia melalui program return tinggi di kingselot serta pg king slot
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama kdwapp.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama jebswagstore.com
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama demoslotgacor.pro
slot demo gacor
slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot gacor
akun demo slot gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo gacor
akun slot demo gacor permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot pragmatic
akun demo slot pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo pragmatic
akun slot demo pragmatic permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun slot demo
akun slot demo permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
akun demo slot
akun demo slot permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
situs slot terbaru
situs slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
slot terbaru
slot terbaru permainan paling top dan garansi imbal balik hasil besar bersama situsslotterbaru.net
elangwin88 permainan paling top dan garansi imbal balik hasil besar bersama elangwin88.me
eyangslot88 permainan paling top dan garansi imbal balik hasil besar bersama eyangslot88.biz
fendi88 permainan paling top dan garansi imbal balik hasil besar bersama fendi88.asia
gaco888 permainan paling top dan garansi imbal balik hasil besar bersama gaco888.net
gacoan888 permainan paling top dan garansi imbal balik hasil besar bersama gacoan888.biz
gacor666 permainan paling top dan garansi imbal balik hasil besar bersama gacor666.biz
gambar88 permainan paling top dan garansi imbal balik hasil besar bersama gambar88.org
gameboy777 permainan paling top dan garansi imbal balik hasil besar bersama gameboy777.com
ganas88 permainan paling top dan garansi imbal balik hasil besar bersama ganas88.me
gasing77 permainan paling top dan garansi imbal balik hasil besar bersama gasing77.asia
gasing88 permainan paling top dan garansi imbal balik hasil besar bersama gasing88.info
geber888 permainan paling top dan garansi imbal balik hasil besar bersama geber888.net
gemoy77 permainan paling top dan garansi imbal balik hasil besar bersama gemoy77.live
gercep888 permainan paling top dan garansi imbal balik hasil besar bersama gercep888.asia
giga333 permainan paling top dan garansi imbal balik hasil besar bersama giga333.live
happybet88 permainan paling top dan garansi imbal balik hasil besar bersama happybet88.asia
harum88 permainan paling top dan garansi imbal balik hasil besar bersama harum88.live
heroslot888 permainan paling top dan garansi imbal balik hasil besar bersama heroslot888.info
jejuslot88 permainan paling top dan garansi imbal balik hasil besar bersama jejuslot88.co
kenzo88 permainan paling top dan garansi imbal balik hasil besar bersama kenzo88.me
kerangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kerangwin88.com
kijangwin88 permainan paling top dan garansi imbal balik hasil besar bersama kijangwin88.asia
kingdomtoto4d permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto4d.asia
kingdomtoto77 permainan paling top dan garansi imbal balik hasil besar bersama kingdomtoto77.asia
king selot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.bio
king slot permainan paling top dan garansi imbal balik hasil besar bersama kingslot.com
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
kuta88 permainan paling top dan garansi imbal balik hasil besar bersama kuta88.asia
ladangtoto88 permainan paling top dan garansi imbal balik hasil besar bersama ladangtoto88.asia
ligaciputra88 permainan paling top dan garansi imbal balik hasil besar bersama ligaciputra88.asia
mabar888 permainan paling top dan garansi imbal balik hasil besar bersama mabar888.info
mamen88 permainan paling top dan garansi imbal balik hasil besar bersama mamen88.info
mami88 permainan paling top dan garansi imbal balik hasil besar bersama mami88.live
maniaslot88 permainan paling top dan garansi imbal balik hasil besar bersama maniaslot88.pro
mantra888 permainan paling top dan garansi imbal balik hasil besar bersama mantra888.asia
mawartoto4d permainan paling top dan garansi imbal balik hasil besar bersama mawartoto4d.pro
maxwin888 permainan paling top dan garansi imbal balik hasil besar bersama maxwin888.pro
mega88 permainan paling top dan garansi imbal balik hasil besar bersama mega88.org
mekar999 permainan paling top dan garansi imbal balik hasil besar bersama mekar999.asia
milan96 permainan paling top dan garansi imbal balik hasil besar bersama milan96.asia
olxtoto77 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto77.asia
olxtoto88 permainan paling top dan garansi imbal balik hasil besar bersama olxtoto88.life
panen4d permainan paling top dan garansi imbal balik hasil besar bersama panen4d.asia
pisang88 permainan paling top dan garansi imbal balik hasil besar bersama pisang88.org
planet7777 permainan paling top dan garansi imbal balik hasil besar bersama planet7777.com
prediksi777 permainan paling top dan garansi imbal balik hasil besar bersama prediksi777.live
prediksi88 permainan paling top dan garansi imbal balik hasil besar bersama prediksi88.asia
preman88 permainan paling top dan garansi imbal balik hasil besar bersama preman88.asia
preman96 permainan paling top dan garansi imbal balik hasil besar bersama preman96.asia
premium88 permainan paling top dan garansi imbal balik hasil besar bersama premium88.asia
prima88 permainan paling top dan garansi imbal balik hasil besar bersama prima88.live
kingselot permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
rajaslotjp88 permainan paling top dan garansi imbal balik hasil besar bersama rajaslotjp88.com
roma88 permainan paling top dan garansi imbal balik hasil besar bersama roma88.asia
salju888 permainan paling top dan garansi imbal balik hasil besar bersama salju888.asia
semutwin88 permainan paling top dan garansi imbal balik hasil besar bersama semutwin88.info
king slot.com permainan paling top dan garansi imbal balik hasil besar bersama kingselot.com
sultan777 permainan paling top dan garansi imbal balik hasil besar bersama sultan777.asia
sultan888 permainan paling top dan garansi imbal balik hasil besar bersama sultan888.asia
sultan99 permainan paling top dan garansi imbal balik hasil besar bersama sultan99.asia
super333 permainan paling top dan garansi imbal balik hasil besar bersama super333.live
suster12 permainan paling top dan garansi imbal balik hasil besar bersama suster12.com
tokekwin88 permainan paling top dan garansi imbal balik hasil besar bersama tokekwin88.info
tokyo777 permainan paling top dan garansi imbal balik hasil besar bersama tokyo777.info
tumi88 permainan paling top dan garansi imbal balik hasil besar bersama tumi88.live
vioslot88 permainan paling top dan garansi imbal balik hasil besar bersama vioslot88.asia
dora777 permainan paling top dan garansi imbal balik hasil besar bersama dora777.asia
dp88 permainan paling top dan garansi imbal balik hasil besar bersama dp88.biz
fila888 permainan paling top dan garansi imbal balik hasil besar bersama fila888.org
gaco888slot permainan paling top dan garansi imbal balik hasil besar bersama gaco888slot.com
gadunslot88 permainan paling top dan garansi imbal balik hasil besar bersama gadunslot88.asia
gagah88 permainan paling top dan garansi imbal balik hasil besar bersama gagah88.info
gaskan888 permainan paling top dan garansi imbal balik hasil besar bersama gaskan888.biz
gatotkaca88 permainan paling top dan garansi imbal balik hasil besar bersama gatotkaca88.info
gemoy888 permainan paling top dan garansi imbal balik hasil besar bersama gemoy888.biz
gemoy888slot permainan paling top dan garansi imbal balik hasil besar bersama gemoy888slot.info
gocap888 permainan paling top dan garansi imbal balik hasil besar bersama gocap888.net
god777 permainan paling top dan garansi imbal balik hasil besar bersama god777.biz
hari888 permainan paling top dan garansi imbal balik hasil besar bersama hari888.biz
hermes88 permainan paling top dan garansi imbal balik hasil besar bersama hermes88.biz
holywin999 permainan paling top dan garansi imbal balik hasil besar bersama holywin999.com
indojaya88 permainan paling top dan garansi imbal balik hasil besar bersama indojaya88.org
indomaster88 permainan paling top dan garansi imbal balik hasil besar bersama indomaster88.asia
jablay88slot permainan paling top dan garansi imbal balik hasil besar bersama jablay88slot.net
janjigacor88 permainan paling top dan garansi imbal balik hasil besar bersama janjigacor88.net
jeniustoto88 permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88.com
jeniustoto88slot permainan paling top dan garansi imbal balik hasil besar bersama jeniustoto88slot.com
juara88 permainan paling top dan garansi imbal balik hasil besar bersama juara88.info
juara88slot permainan paling top dan garansi imbal balik hasil besar bersama juara88slot.org
jwtogel88 permainan paling top dan garansi imbal balik hasil besar bersama jwtogel88.net
kasih88 permainan paling top dan garansi imbal balik hasil besar bersama kasih88.info
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.com
kawantogel88 permainan paling top dan garansi imbal balik hasil besar bersama kawantogel88.net
kedai88 permainan paling top dan garansi imbal balik hasil besar bersama kedai88.asia
king9999 permainan paling top dan garansi imbal balik hasil besar bersama king9999.org
kkslot88 permainan paling top dan garansi imbal balik hasil besar bersama kkslot88.info
kongsi888 permainan paling top dan garansi imbal balik hasil besar bersama kongsi888.com
kutu88slot permainan paling top dan garansi imbal balik hasil besar bersama kutu88slot.com
liga899 permainan paling top dan garansi imbal balik hasil besar bersama liga899.org
lisboa777slot permainan paling top dan garansi imbal balik hasil besar bersama lisboa777slot.com
