SaaS Business Credit Cards with No Credit: Options for US SaaS Businesses

Gaining access to capital is one of the most pressing small business finance issues. Using a startup business credit card is one option that is currently underutilized by small businesses.

According to the SBA, 46% of businesses use personal credit cards.¹ While this method is common, it limits businesses in many ways. But getting a business credit card with no credit can be a challenge.

This article will walk you through some of the best options and provide you with other small business finance tips.

Best Credit Cards for SaaS Companies with No Credit

There are many credit options out there for businesses, even if your business is new. These are some top-rated² SaaS credit cards to consider. These credit-building cards can help your business improve its credit score and access more rewards.

These cards are great for small businesses with all kinds of business expenses, including office supplies, travel expenses, and other expenses.

Secured Business Credit Cards

Small businesses may also have a high chance of being approved for a secured business credit card. A secured business credit card⁷ is a credit card backed by a security deposit. This can be a great credit-building card for your business.

Individuals with a poor credit score may still be able to receive one of these startup credit cards. For example, Bank of America’s Business Advantage Unlimited Cash Secured Rewards Card accepts customers with a poor credit score. The Valley Visa Secured Business Credit Card also accepts customers with a limited/bad credit score. If your credit score is below 649, you may still be able to find a business credit card.

Cards with Low Entry Requirements

Some business credit cards have much lower⁸ entry requirements. While some cards have looser credit criteria, some cards do not have any type of credit required.

Some of these low-requirement credit cards include the following:

• Brex: Provides rewards for common business expenses and doesn’t require a credit check or personal guarantee.
• Ramp: Is another low-entry requirement card.

It is important to note that some of these cards require you to have a corporation registered. These companies may also take a look at your business's financials and require you to have cash.

Challenges of Getting a Credit Card as a SaaS Startup with No Credit

If you do not have a strong credit score, you may not have many credit options. While there may be no credit needed at times, many cards require that you have a strong credit score. Credit-building cards can make things easier for you in the future.

Understanding Credit Requirements for SaaS Startups

Credit card companies will look at a variety of factors before deciding to approve your application. Many of the requirements are listed on their website, but it's often impossible to know until you apply.

When you apply for a credit card, you will need to submit information about your SaaS business. In some cases, you may need to submit your company’s financial information, such as your annual revenue.⁹

Your credit score is an important factor that banks examine before offering you a loan or a credit card. Most cards require at least a 670 score to be approved, and of course, having excellent credit usually makes things better. If your score falls below 650, your options will most likely be limited.¹⁰

Other corporate cards may not care about your credit score and instead look at your business’s capital. This can be a great option for established businesses with a founder that has poor credit.¹¹

Alternative Options for SaaS Companies

A business credit card may not be the best option for all SaaS businesses. This decision depends on the size of the purchase and other available financing options.

You should also consider some of the other credit options for your business:

• A traditional loan may be better for larger expenses, especially if you plan to pay these off over several years.
• Business debit cards can also be a solid alternative. You can also earn rewards with these products.
• Some businesses also use personal credit cards when they pay for business expenses. This is not the best strategy, but many business owners do this when they are getting started.
• There are also many fintech lending options out there to consider. You can consider these if you do not have sufficient collateral and can’t find a loan from a bank.

Tips for Building Credit as a SaaS Startup

Whatever your decision is, it is best to build your credit as quickly as possible. You never know when you will need it to get a loan or a business credit card.

These startup tips can help your business improve its credit score so you can get access to the funds your business needs.

Responsible use: When you receive a credit card, it is crucial to make on-time payments. These steps can improve your credit score.

Utilization: Credit utilization makes up 30%¹⁵ of your credit score. It is better for your business if you have multiple credit cards and keep the utilization low for each of these cards. Your score can still drop even if you do everything else right.

Applying for Credit Cards: Applying for a business credit card can help you boost your business credit score.¹⁶ This is a great decision, even if you don’t need a credit card. Responsibly using a credit card can help improve your business credit score and make it easier to gain access to financing in the future.

SaaS startup credit cards can be a tool to help your business, whether you are building your credit or seeking financing solutions. You can use these cards for many types of business expenses.

Wise Business: Stress-Free International Payments

Using a credit card is not always the best payment option. You can often receive unfavorable exchange rates when using a credit card for international payments. Moreover, many vendors charge higher fees for credit card payments.

Wise Business is a great solution for businesses that make and receive international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in 40+ currencies. You can get major currency account details for a one-off fee to receive overseas payments like a local. You can also send money to 140+ countries.

Open a Wise Business account online

Sources:

1. 10 Stats That Explain Why Business Credit is Important for Small Business
2. Best Business Credit Cards for Startups With No Credit of April 2025 - NerdWallet
3. Brex Pricing Plans | Get Started Today
4. Discover Introduces No Annual Fee Business Credit Card with Unlimited 1.5 Percent Cashback Rewards on All Purchases
5. Chase Ink Business Preferred Credit Card
6. capitalone
7. Best Secured Business Credit Cards Of 2025 – Forbes Advisor
8. Easiest Business Credit Cards To Get With Instant Approval
9. How Startups Can Use Business Credit Cards | Capital One
10. What is the minimum credit score needed for a business credit card? | Brex
11. Minimum Credit Scores for Business Credit Cards in 2025
12. Best Business Credit Cards Of 2025 – Forbes Advisor
13. Can I Use A Personal Card For Business Expenses? – Forbes Advisor
14. Top 10 fintech lenders by total funding
15. How credit utilization affects your credit score (and what to do about it) - CBS News
16. What Is A Business Credit Score And How Does It Work? | Bankrate
    All sources checked March 2025.