Business Credit Cards

[Eric Pinkney]

Hello,

I have a 2.5yr old corporation, and a PayDex score of 80. I am looking to get a business credit card but they are all asking to run my personal credit. 

Are there any business credit cards I can acquire just using my EIN? Or a no personal guarantee?

[Martell T.]

Capital One Spark "Business" will report to your "personal" credit profile which literally defeats the real advantage of a REAL business credit card like Amex Business or Citi Business  ...meaning not screwing up your utilization ratio if you go over 30% up 100% max out on your business card.  Since a REAL business CC does not report on your personal credit (UNLESS YOU DEFAULT Ofcourse) you can Max out the card all you want and you wont take a 50-75pt Fico hit like you would if you maxed out a personal card.