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See our top picks for startup business credit cards with no credit check." property="og:description"/><meta content="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a254d07746f1e4504b119f_SEO_BCC_Best-For-No-Credit-Check%20(1).png" property="og:image"/><meta content="Best Startup Business Credit Cards With No Credit Check in November 2024" property="twitter:title"/><meta content="If your startup has no credit history, you can still get a business credit card. 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4.166-9.152 4.175-9.152 4.175v.073l2.608 2.555s4.874.048 9.18-4.175c4.29-4.21 4.254-9.053 4.254-9.053Z"/></g><defs><clipPath id="a"><path fill="#fff" d="M0 0h75v20H0z"/></clipPath></defs></svg>`; let copied = false; //right click to toggle design menu logo.oncontextmenu = (e) => { e.preventDefault(); rightMenu.classList.add("visible"); document.body.style.pointerEvents = "none"; rightMenu.style.pointerEvents = "auto"; analytics.track("Nav Bar Logo Right Clicked", { pathname: window.location.pathname }); return false; }; // click anywhere else to hide the div document.addEventListener("click", (e) => { if (!rightMenu.contains(e.target)) { rightMenu.classList.remove("visible"); document.body.style.removeProperty("pointer-events"); } }); const changeCopy = () => { if (copied) { copySVG.querySelector(".detail-22").textContent = ".SVG copied!"; } else { copySVG.querySelector(".detail-22").textContent = "Copy .SVG"; } }; // copy svg code copySVG.addEventListener("click", async () => { try { await navigator.clipboard.writeText(rampLogoSVG); copied = true; changeCopy(); setTimeout(() => { copied = false; changeCopy(); }, 2000); } catch (err) { console.error("Failed to copy!", err); } }); }); </script></div></div><nav role="navigation" class="nav-menu-23 w-nav-menu"><div class="nav-inner"><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Products</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-25 w-dropdown-list"><div class="nav-underline-23"></div><div class="flex flex-cgap-32 flex-md-col"><div class="mini-grid-25"><div class="mini-grid-column-25"><div class="nav-column-title-24">Products</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/corporate-cards" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9ec764d190ca83f092_credit-card.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Corporate Cards</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Control spend before it happens.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounts-payable" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2be41421d61bbc8feaea_dollar-bill.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounts Payable</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Process AP in minutes.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/travel" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9ef783d0bd92719dc2_plane-and-bed.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Travel</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Keep T&E in check.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/expense-management" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9e141eae286c7483ac_pie-chart.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Expense Management</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Eliminate expense reports.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/procurement" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9e3fa1b5c23cc2bd96_shopping-bag.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Procurement</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Speed up intake-to-pay.</div></div></a></div></div></div><div id="w-node-_04773730-67ad-b6c7-4bf0-02e33ec10dae-210feaff" class="mini-grid-column-25"><div class="nav-column-title-24">Platform</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/integrations" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9dc29d1fc8712858fa_integrations.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Integrations</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Connect to your finance stack.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounting-automation-software" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9dba7ac5690bdceaa6_calculator.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounting Automation</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Accelerate monthly close.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/intelligence" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9d83a435c383fb048c_intelligence.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Intelligence</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Put AI to work for you.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/real-time-reporting" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9df4f756dc2ce4bde1_bank.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Reporting</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Get full visibility in real-time.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/global" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66ba2b9df783d0bd92719d2f_globe.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Global Ready</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Spend globally, operate locally.</div></div></a></div></div></div></div><div class="hidden d-block-md"><div class="my-32"><div class="nav-23-mobile-divider"></div></div></div><div class="nav-24-featured-card"><div class="hidden-md"><div class="nav-column-title-24">Updates</div></div><div class="mt-32 mt-md-0"><a data-element="blog-link" href="/blog/introducing-ramp-travel" class="text-nodecoration w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel.webp" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/665f0db1aba6ae8dbf9d2bc7_nav-menu-travel.webp 755w" alt="" class="br-8"/><div class="mt-16"><div class="_w-200"><div class="text-color black"><div class="body-22 u-strong">Introducing Ramp Travel</div></div><div class="mt-8"><div id="w-node-_04773730-67ad-b6c7-4bf0-02e33ec10dd2-210feaff" class="detail-22 c-text--light--hushed">Set custom policies and manage bookings, all in one place.</div></div></div></div></a></div></div></div></nav></div><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Solutions</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-25--sol w-dropdown-list"><div class="nav-underline-23"></div><div class="mini-grid-25"><div class="mini-grid-column-25"><div class="nav-column-title-24">By size</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/startups" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f27205afd14455c3647bb9_startups.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Startups</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Everything you need, fast.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/small-business" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f2720513b89994db11eb11_small-businesses.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Small business</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Travel, expenses, and AP in one place.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/mid-market" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f27205e5e0f6c0208995ea_mid-market.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Mid-market</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Automate tasks and delight employees.</div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/enterprise" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f2720540bdf0e3d1dd4ad9_enterprise.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Enterprise</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle">Go global and scale up operations.</div></div></a></div></div></div><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a85fc-210feaff" class="hidden"><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a85fd-210feaff" class="mini-grid-column-25"><div class="nav-column-title-24">By industry</div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f7a189715613be1331_software-and-technology.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Software & Technology</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f776efd0f24ff31558_construction.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Construction</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f73f34b6a13374a84c_healthcare.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Healthcare</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f77565472099836b7b_hospitality.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Hospitality</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f628ae95a8be7cf7f8_education.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Education</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6512362162d956770_retail.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Retail</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f637267b3e7b0c20f4_local_shipping.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Fleets</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="#" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6e5e0f6c0208dbf7f_dentistry.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Dentistry</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div></div><div id="w-node-_9b7fa471-2991-2890-70cc-fea5565a8612-210feaff" class="mini-grid-column-25"><div class="flex flex-cgap-12 flex-aend"><div class="nav-column-title-24">By partner</div><div class="hidden-md"><a href="/partnerships" class="flex no-underline w-inline-block"><div><div class="nav-column-subtitle-24">Become a partner →</div><div class="nav-24--subtitle--underline"></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f32130a7b63c48e7b8b868_arrow-right-767573.svg" loading="lazy" alt="" class="nav-24--subtitle--arrow hidden"/></a></div></div><div class="mt-24 mt-md-16"><div class="nav-dd-list-25--grid-wide"><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/accounting-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6114a26ed07fb3558_accounting-firms.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Accounting firms</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/pe-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f666d331bb3b574fd7_financial-institution-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Private equity and venture capital</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/services-partnerships" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f6a3fe6e92130d1d1d_alliance-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Services providers</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/affiliates" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f666d331bb3b574fd4_affiliate-partners.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Affiliates</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a><a data-element="dropdown-link" data-w-id="89f007af-c372-a916-fc77-1b197325ae91" href="/developer-api" class="nav-25-link w-inline-block"><div class="nav-25-link--icon-container"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/67197301948375019dffbee7_tech-partner.svg" loading="lazy" alt="" class="nav-25-link--icon"/></div><div><div class="text-link-23__inner"><div class="nav-25--title">Technology partners</div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div><div class="nav-25--subtitle"></div></div></a></div></div></div></div></nav></div><div class="nav-menu-cta-23"><a href="/customers" class="nav-link-main-23 w-nav-link">Customers</a></div><div data-hover="true" data-delay="0" class="nav-dd-23 w-dropdown"><div class="nav-toggle-23 w-dropdown-toggle"><div class="nav-toggle-text-23"><div>Resources</div><div class="nav-dd-icon-23 w-embed"><svg class="nav-23-up-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.12845 6.00008L0 0H1.64439L5.95065 5.03815L10.2569 0H11.9013L6.77284 6.00008H5.12845Z" fill="currentColor" /> </svg> <svg class="nav-23-down-caret" width="12" height="6" viewBox="0 0 12 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.7728 -8.0557e-05L11.9012 6L10.2569 6L5.9506 0.96185L1.64435 6L-5.53131e-05 6L5.12841 -8.07007e-05L6.7728 -8.0557e-05Z" fill="currentColor" /> </svg></div></div></div><nav class="nav-dd-list-23--res w-dropdown-list"><div class="nav-underline-23"></div><div class="flex flex-cgap-24 flex-md-col"><div class="mini-grid-25--wide"><div class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1db-210feaff" class="nav-column-title-24">Learn</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/resources" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/66f275f7a189715613be1331_software-and-technology.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Blog</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/free-tools" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709ee345ff21e1c7a0f6_chart.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Growth tools</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/webinars" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e15fb1d5384d668e2_video_camera.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Webinars</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/industry-spend-reports" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/67117b4e611fbcd55c6da1ae_receipt-nav.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Spending reports</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1e9-210feaff" class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="https://academy.ramp.com/" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709fb815d70d1a3da5e7_school.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Ramp academy</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div><div class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1ee-210feaff" class="nav-column-title-24">Connect</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/careers" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e5780fa9906fee352_work.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Careers</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/blog/news" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709eff11abf6fcb6f9c3_news.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Newsroom</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1f6-210feaff" class="mini-grid-column"><div class="nav-dd-list-23--grid"><div id="w-node-b7a43167-f36b-f3f6-517c-f1560097b1f8-210feaff" class="nav-column-title-24">Support</div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="https://support.ramp.com/hc/en-us" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709e1d677abf8399ea8b_help.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Help center</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div><div class="nav-dd-list-23--grid-item"><a data-element="dropdown-link" data-w-id="05a041a1-3a15-e39e-e76e-7e7bd1bca2ff" href="/training" class="nav-25-link py-2 py-sm-0 w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6711709f12929faba7c590fb_device.svg" loading="lazy" alt="" class="nav-25-link--icon"/><div class="text-link-23__inner"><div><div class="nav-25--title">Live trainings</div><div class="nav-25--title--underline"></div></div><img loading="lazy" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" alt="right arrow" class="cta-arrow-23"/></div></a></div></div></div></div><div class="hidden d-block-md"><div class="my-32"><div class="nav-23-mobile-divider"></div></div></div><div><div class="nav-column-title">Featured</div><div class="mt-24"><a data-element="blog-link" href="/virtual-cards" class="text-nodecoration w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown.webp" loading="eager" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-800.webp 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-1080.webp 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown-p-1600.webp 1600w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/64efa6d79c3cc7d674843fb2_virutalCardsDropdown.webp 1800w" alt="" class="br-8"/><div class="mt-16"><div class="_w-210"><div class="text-color black"><div class="detail-22">Unlimited virtual cards</div></div><div class="mt-8"><div class="text-color black-600"><div id="w-node-_61324463-83d6-20d3-58d7-dbf0235250ac-210feaff" class="nav-23--text">Discover the potential of virtual cards for your business.</div></div></div></div></div></a></div></div></div></nav></div><div class="nav-menu-cta-23"><a href="/pricing" class="nav-link-main-23 w-nav-link">Pricing</a></div></div><div class="nav-menu-23--mobile-buttons-single"><a data-anchor-link="" href="/see-a-demo" class="button-medium-23 button-solar-23 w-inline-block"><div class="button-text-22">See a demo</div></a></div><div class="nav-23-spacer"></div></nav><div class="h-full flex flex-acenter"><div class="nav-menu-23--right"><div id="w-node-_7b7cf88e-1886-91a8-6def-d1e32a02f8c2-2a02f8c0" class="nav-menu-23--right--button-container"><a data-element="nav-sign-in-button" href="https://app.ramp.com/sign-in" target="_blank" class="nav-button-23 w-inline-block"><div class="nav-button-text-23">Sign in</div></a><div class="sign-in-cookie-redirect-menu"><a id="opt-in-redirect" href="https://app.ramp.com/sign-in" class="no-underline w-inline-block"><div class="p-24"><div class="flex flex-col flex-rgap-16 flex-astart"><div class="text-color black-700"><div class="detail-22">Skip directly to the Ramp login screen from now on?</div></div><div class="text-link-23-nav"><div class="text-link-23__inner"><div class="text-color black"><div class="detail-22">Yes, save me a click!</div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6490cbff3b86f5ad1bbb45a4_arrow-right-23-13px.svg" loading="lazy" alt="right arrow" class="cta-arrow-23"/></div></div></div></div></a><div class="hidden w-embed w-script"><style> @media screen and (max-width: 991px) { .sign-in-cookie-redirect-menu { display: none !important; opacity: 0 !important; pointer-events: none !important; } } </style> <script src="https://cdn.jsdelivr.net/npm/js-cookie@2.2.1/src/js.cookie.min.js"></script> <script> const hasClickedSignInCookie = 'has-clicked-sign-in'; const hasOptedInRedirectCookie = 'has-opted-in-redirect'; const redirectStyleNode = document.createElement('style'); redirectStyleNode.type = "text/css"; redirectStyleNode.textContent = ` .sign-in-cookie-redirect-menu { opacity: 1; pointer-events: auto; } `; const conditionallyShowRedirectMenu = () => { let _lastScrollTop = 0; let _scrollDirection = null; let _upTriggered = false; let _downTriggered = false; let isRedirectStyleNodeAdded = false; const topOffset = 16; const getScrollPosition = () => window.pageYOffset || document.documentElement.scrollTop; window.addEventListener('scroll', () => { const st = getScrollPosition(); if (st > _lastScrollTop) { _scrollDirection = 'down'; } else { _scrollDirection = 'up'; } _lastScrollTop = st <= 0 ? 0 : st; if (!_downTriggered && _scrollDirection === 'down' && st >= topOffset) { _upTriggered = false; _downTriggered = true; if (isRedirectStyleNodeAdded) { redirectStyleNode.remove(); isRedirectStyleNodeAdded = false; } } else if (!_upTriggered && _scrollDirection === 'up' && st <= topOffset) { _upTriggered = true; _downTriggered = false; if (!isRedirectStyleNodeAdded) { document.getElementsByTagName('head')[0].appendChild(redirectStyleNode); isRedirectStyleNodeAdded = true; } } }); // initial check, runs once, on load if (getScrollPosition() < topOffset) { document.getElementsByTagName('head')[0].appendChild(redirectStyleNode); isRedirectStyleNodeAdded = true; } } document.addEventListener('DOMContentLoaded', () => { const hasOptedInRedirect = Cookies?.get(hasOptedInRedirectCookie) ?? false; const hasClickedSignIn = Cookies?.get(hasClickedSignInCookie) ?? false; const { pathname, search } = window.location; if (['/', '/welcome'].includes(pathname)) { const searchParams = new URLSearchParams(search); if (searchParams.get('rm-redirect')) { Cookies?.remove(hasOptedInRedirectCookie); return; } if (hasOptedInRedirect) { window.location.replace('https://app.ramp.com/sign-in?landing-redirect=true'); return; } if (hasClickedSignIn) { conditionallyShowRedirectMenu(); } } const navBarSignIns = document.querySelectorAll('[data-element="nav-sign-in-button"]'); navBarSignIns.forEach(signIn => { signIn.addEventListener('click', () => { Cookies?.set(hasClickedSignInCookie, true, { expires: 90 }); }); }); const optInRedirectElement = document.getElementById('opt-in-redirect'); optInRedirectElement.addEventListener('click', () => { analytics?.track('Opted Into Sign-In Redirect'); Cookies?.set(hasOptedInRedirectCookie, true, { expires: 90 }); }); }); </script></div></div></div><a id="explore-product-btn" data-analytics="Explore Product CTA Clicked" data-property-location="Navbar on Scroll" href="/see-a-demo" class="nav-button-23--cta-test w-node-c439b057-5259-e868-4929-5f5b13c5eeb1-2a02f8c0 w-inline-block"><div class="nav-button-text-23">See a demo</div></a></div><div class="nav-menu-23--right-mobile"><a id="nav-cta-btn" href="https://app.ramp.com/sign-in" target="_blank" class="nav-button-23--mobile w-node-_7b7cf88e-1886-91a8-6def-d1e32a02f8d9-2a02f8c0 w-inline-block"><div class="nav-button-text-23">Sign in</div></a><div class="nav-23-hamburger w-nav-button"><div class="w-embed"><svg id="menu-open" width="17" height="18" viewBox="0 0 17 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_553_15248)"> <rect y="5.21948" width="1.5" height="24" transform="rotate(-90 0 5.21948)" fill="currentColor" /> <rect y="9.71948" width="1.5" height="24" transform="rotate(-90 0 9.71948)" fill="currentColor" /> <rect y="12.7195" width="24" height="1.5" fill="currentColor"/> </g> <defs> <clipPath id="clip0_553_15248"> <rect width="17" height="18" fill="white" transform="translate(0 0.000732422)"/> </clipPath> </defs> </svg> <svg id="menu-close" width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect x="0.328003" y="1.33829" width="1.70489" height="20.4587" transform="rotate(-45 0.328003 1.33829)" fill="currentColor"/> <rect width="1.70489" height="20.4587" transform="matrix(-0.707107 -0.707107 -0.707107 0.707107 15.6718 1.33829)" fill="currentColor"/> </svg> <style> .w-nav-button.w--open #menu-open { display: none; } .w-nav-button.w--open #menu-close { display: block; } .w-nav-button:not(.w--open) #menu-open { display: block; } .w-nav-button:not(.w--open) #menu-close { display: none; } </style></div></div></div></div><div class="custom-styles w-embed"><style> @media screen and (min-width: 992px) { .nav-toggle-23:focus .nav-toggle-text-23 { background-color: #f6fab2; color: #1f1f1f; } } @media screen and (max-width: 991px) { .w-nav-overlay { overflow: scroll; margin-bottom: 24px; } } /* start - overlay that shows when dropdown is opened */ .nav-desktop-overlay { display: none; pointer-events: none; } @media screen and (max-width: 991px) { .nav-desktop-overlay { display: none !important; } } .w-dropdown-toggle.w--open + .nav-desktop-overlay, .right-click-menu-23.visible + .nav-desktop-overlay { display: block; position: absolute; top: 0px; left: -100vw; height: 100vh; width: 300vw; background: linear-gradient(180deg, rgba(28, 27, 23, 0.00) 0%, rgba(28, 27, 23, 0.70) 100%); } /* end - overlay that shows when dropdown is opened */ .nav-brand-23.w-nav-brand { color: inherit; } @media screen and (min-width: 992px) { .nav-dd-list-23--wide.w--open, .nav-dd-list-23.w--open, .nav-dd-list-23--sol.w--open, .nav-dd-list-23--res.w--open, .nav-dd-list-25--wide.w--open, .nav-dd-list-25.w--open, .nav-dd-list-25--sol.w--open, .nav-dd-list-25--res.w--open { box-shadow: 0px 232px 65px rgba(0, 0, 0, 0.01), 0px 35px 59px rgba(0, 0, 0, 0.06), 0px 20px 50px rgba(0, 0, 0, 0.2), 0px 37px 37px rgba(0, 0, 0, 0.14), 0px 9px 20px rgba(0, 0, 0, 0.19), 0px 0px 0px rgba(0, 0, 0, 0.2); } .nav-toggle-23 { color: inherit; } .nav-link-main-23 { color: inherit; } .nav-link-main-23.w--current { color: inherit; } .nav-link-main-23.w--current:hover { color: #1f1f1f; } /* .resource-nav--link { color: inherit; } .resource-nav--link.w--current { color: inherit; } */ } .nav-button-23 { color: inherit; /*border-color: inherit;*/ } .nav-button-23--mobile { color: inherit; } .nav-23 path, .resource-page--nav-23 path { transition: fill .2s ease-in; } .nav-23-down-caret { display: none; } .nav-toggle-23.w--open .nav-23-up-caret { display: none; } .nav-toggle-23.w--open .nav-23-down-caret { display: block; } .nav-menu-23--right, .nav-menu-23.w-nav-menu, .resource-page--nav-23, .resource-nav-23.w-nav, .resource-page--navbar-23.w-nav, .resource-page--navbar-spacer .resource-page-23 { transform-style: flat !important; } /* @media screen and (min-width: 992px) and (max-width: 1279px) { .nav-dd-23 .nav-toggle-23 { padding-left: 2px; padding-right: 2px; } .nav-dd-23:first-child .nav-toggle-23 { padding-left: 0px; } .nav-menu-cta-23 .nav-link-main-23 { margin-left: 2px; margin-right: 2px; } .nav-menu-cta-23:last-child .nav-link-main-23 { margin-right: 0px; } } @media screen and (min-width: 1280px) { .nav-dd-23 .nav-toggle-23 { padding-left: 4px; padding-right: 4px; } .nav-dd-23:first-child .nav-toggle-23 { padding-left: 0px; } .nav-menu-cta-23 .nav-link-main-23 { margin-left: 4px; margin-right: 4px; } .nav-menu-cta-23:last-child .nav-link-main-23 { margin-right: 0px; } } */ /* @media screen and (min-width: 992px) and (max-width: 1020px) { .nav-contain-23 { padding-left: 16px; padding-right: 14px; } .nav-menu-23--right { grid-column-gap: 6px; } } @media screen and (min-width: 1021px) and (max-width: 1050px) { .nav-contain-23 { padding-left: 23px; padding-right: 19px; } .nav-menu-23--right { grid-column-gap: 10px; } } */ @media screen and (min-width: 991px) and (max-width: 1060px) { .nav-menu-23 { transform: translateX(-61.5%); } .nav-dd-list-23--res.w--open { transform: translate(-50.4%); } /* .nav-dd-list-25--res.w--open { transform: translate(-50.4%); } */ .nav-dd-list-23--sol.w--open { transform: translate(-20.9%); } .nav-dd-list-25--sol.w--open { transform: translate(-28.5%); } .nav-dd-list-23.w--open { transform: translate(-6%); } .nav-dd-list-25.w--open { transform: translate(-17.4%); } } </style></div><div class="custom-js w-embed w-script"><script> document.addEventListener('DOMContentLoaded', () => { const dropdowns = document.querySelectorAll('.nav-inner .w-dropdown'); dropdowns.forEach(section => { const div = document.createElement('div'); div.classList.add('nav-desktop-overlay'); const dropdownList = section.querySelector('.w-dropdown-list'); section.insertBefore(div, dropdownList); }); const rightClickDropdown = document.querySelector('.right-click-menu-23'); const overlay = document.createElement('div'); overlay.classList.add('nav-desktop-overlay'); //const parent = rightClickDropdown.parentElement; //const dropdownList = section.querySelector('.w-dropdown-list'); //parent.insertBefore(overlay, rightClickDropdown); rightClickDropdown.after(overlay); //rightClickDropdown.append(overlay); /* Navbar Dropdown Menu, Track Menu Links Being Clicked - START */ const navDropdownLinks = document.querySelectorAll('[data-element="dropdown-link"]'); navDropdownLinks.forEach(link => { const url = link.getAttribute('href'); analytics?.trackLink(link, 'Nav Menu Cell Clicked', { link: url, has_tagline_description: false, }); }); const navBlogLinks = document.querySelectorAll('[data-element="blog-link"]'); navBlogLinks.forEach(link => { const url = link.getAttribute('href'); analytics?.trackLink(link, 'Nav Menu Cell Clicked', { link: url, has_tagline_description: true, }); }); /* Navbar Dropdown Menu, Track Menu Links Being Clicked - END */ /* Navbar Dropdown Menu, Track Menu Opening - START */ const throttle = (func, timeFrame) => { let context, args; let lastTime = 0; return function () { context = this; args = arguments; const now = Date.now(); if (now - lastTime >= timeFrame) { func.apply(context, args); lastTime = now; } }; }; const changeIndex = mutation => { if (mutation.attributeName === 'style') { if (mutation.target.style.zIndex === '901') { // when the dropdown opens const dropdownName = mutation.target.querySelector('.nav-toggle-23')?.innerText; if (dropdownName) { analytics?.track("Navbar Dropdown Menu Opened", { menu_name: dropdownName }); } } } } const throttledChangeIndex = throttle(changeIndex, 50); document.querySelectorAll(".nav-dd-23.w-dropdown").forEach(menu => { const newObserver = new MutationObserver(mutations => { mutations.forEach(throttledChangeIndex); }); newObserver.observe(menu, { attributes: true, attributeFilter: ["style"] }); }); /* Navbar Dropdown Menu, Track Menu Opening - END */ }); </script></div><div class="dynamic-nav-bar-w-only-black-text"><div class="w-embed w-script"><style> .nav-23 { color: #1f1f1f; } .resource-page--nav-23 { color: #1f1f1f; } .nav-23-hamburger, .nav-button-23--mobile { background-color: rgba(31, 31, 31, .05); border: 1.5px solid rgba(31, 31, 31, 0); } .resource-nav--search-input-23::placeholder { color: rgba(31, 31, 31, .5); } @media screen and (max-width: 991px) { .resource-page--nav-23:hover { border-color: rgba(31, 31, 31, .05); } } @media screen and (min-width: 992px) { .resource-nav--link { color: #1f1f1f; } .resource-nav--link:hover { /* box-shadow: inset 0 -1px 0 0 #1f1f1f; */ border-color: #1f1f1f; } .resource-nav--link.w--current { color: #1f1f1f; /* box-shadow: inset 0 -1px 0 0 #1f1f1f; */ border-color: #1f1f1f; } } </style> <script> let lastScrollTop = 0; let scrollDirection = null; let upTriggered = false; let downTriggered = false; let isWhiteNavStyleNodeAdded = false; const offset = 40; document.addEventListener('DOMContentLoaded', () => { let element = document.querySelector('[data-nav-light="true"]'); if (!element) { element = document.querySelector('.section-22:not(.hidden):not(.d-block-md)'); } const whiteNavStyleNode = document.createElement('style'); whiteNavStyleNode.type = "text/css"; whiteNavStyleNode.textContent = ` .nav-23 { background-color: rgba(255, 255, 255, .5); border-bottom: 1px solid rgba(31, 31, 31, .05); } .resource-page--nav-23 { background-color: rgba(255, 255, 255, .5); } @media screen and (max-width: 991px) { .resource-page--nav-23 { border-bottom: 1px solid rgba(31, 31, 31, .05); } } /* .nav-menu-23--right { border-color: rgba(255, 255, 255, .2); } */ .nav-button-23 { border-color: rgba(255, 255, 255, .2); } `; if (!element) { document.getElementsByTagName('head')[0].appendChild(whiteNavStyleNode); return; } window.addEventListener('scroll', () => { const st = window.pageYOffset || document.documentElement.scrollTop; if (st > lastScrollTop) { scrollDirection = 'down'; } else { scrollDirection = 'up'; } lastScrollTop = st <= 0 ? 0 : st; const rect = element.getBoundingClientRect(); const bottom = rect.bottom; if (!downTriggered && scrollDirection === 'down' && bottom <= offset) { upTriggered = false; downTriggered = true; if (!isWhiteNavStyleNodeAdded) { document.getElementsByTagName('head')[0].appendChild(whiteNavStyleNode); isWhiteNavStyleNodeAdded = true; } } else if (!upTriggered && scrollDirection === 'up' && bottom >= offset) { upTriggered = true; downTriggered = false; if (isWhiteNavStyleNodeAdded) { whiteNavStyleNode.remove(); isWhiteNavStyleNodeAdded = false; } } }); // initial check, runs once, on load const eleBottom = element.getBoundingClientRect().bottom; if (eleBottom <= offset) { document.getElementsByTagName('head')[0].appendChild(whiteNavStyleNode); isWhiteNavStyleNodeAdded = true; } }); </script></div></div></div></div></div></div><div id="global-search-background" data-w-id="033715e9-1522-77ca-3aa6-75f38fb25ff0" class="search-background-2024"><div class="search-2024--content"><div class="w-embed"><style> .search-2024--gradient::before, .search-2024--gradient::after { content: ''; position: absolute; left: 0; right: 0; height: 20px; pointer-events: none; } .search-2024--gradient::before { z-index: 1; top: 0; background: linear-gradient(to bottom, rgba(255,255,255,1), rgba(255,255,255,0)); } .search-2024--gradient::after { bottom: 0; background: linear-gradient(to top, rgba(255,255,255,1), rgba(255,255,255,0)); } .search-generating__loader-small { animation: rotation .5s linear infinite; } @keyframes rotation { 0% { transform: rotate(0deg); } 100% { transform: rotate(360deg); } } </style></div><div id="global-search" class="search-2024--form-container"><div class="mb-0 w-form"><form id="global-search-form" name="wf-form-Search" data-name="Search" method="get" class="pos-rel" data-wf-page-id="64638e12b3757911c3b85ef2" data-wf-element-id="033715e9-1522-77ca-3aa6-75f38fb25ff5"><input class="search-2024--input w-input" v-on:input="onInput($event)" maxlength="256" name="name" data-name="Name" v-bind:class="{ active: hasSearchStarted }" v-model="query" placeholder="Search..." type="text" id="global-search-input"/><div id="global-search-cancel-button" data-w-id="033715e9-1522-77ca-3aa6-75f38fb25ff7" class="global-search--cancel-button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/661723aa486d0ffd5399ca52_x-stroke-width-3.svg" alt="" class="global-search--cancel-button-icon"/></div><div v-if="isSearching" class="global-search--loading"><div class="search-generating__loader-small"></div></div></form><div class="empty-state-reset w-form-done"></div><div class="w-form-fail"></div></div><div v-cloak="true" v-show="hasSearchStarted" class="search-2024--results"><div class="search-2024--gradient"><div class="search-2024--results-scroll"><div class="pt-16"></div><div v-if="filteredKeywords.length"><div class="pb-8"><div class="detail-22 c-text--light--hushed">Keywords</div></div><div class="flex flex-col"><a v-bind:href="'/resources-search?q=' + encodeURIComponent(keyword)" v-for="keyword in filteredKeywords" href="#" class="no-underline w-inline-block"><div class="py-16"><div v-html="highlightMatch(keyword, query)" class="body-22">vendor</div></div></a></div><div v-if="results.length" class="mb-16"><div class="search-hairline"></div></div></div><div v-if="results.length"><div class="detail-22 c-text--light--hushed">Resources</div><div class="my-16"><div class="sc-triple-grid__grid-24-2"><a v-bind:href="item.slug" v-for="item in results" href="#" class="text-nodecoration w-inline-block"><div class="hidden-sm"><div class="image-container"><img class="_w-full h-auto br-8 object-fit-cover u-aspect-ratio-16-9" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/660f143aab35fd1dc90bb8bb_Resource_Center_Featured_Thumbnail_1440x960%20(4).webp" alt="" sizes="100vw" v-bind:src="item.thumbnailUrl" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/660f143aab35fd1dc90bb8bb_Resource_Center_Featured_Thumbnail_1440x960%20(4)-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/660f143aab35fd1dc90bb8bb_Resource_Center_Featured_Thumbnail_1440x960%20(4)-p-800.webp 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/660f143aab35fd1dc90bb8bb_Resource_Center_Featured_Thumbnail_1440x960%20(4)-p-1080.webp 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/660f143aab35fd1dc90bb8bb_Resource_Center_Featured_Thumbnail_1440x960%20(4).webp 1440w"/><div v-if="item.resourcesHubType == 'Webinar'" class="pos-abs pos-abs-full"><div class="play-btn__wrapper w-embed"><svg class="webinars__play-btn" width="52" height="52" fill="none" xmlns="http://www.w3.org/2000/svg"> <g filter="url(#a)"> <rect class="webinars__play-outer" width="52" height="52" rx="26" fill="#1C1B17" fill-opacity=".25"/> <mask id="b" style="mask-type:alpha" maskUnits="userSpaceOnUse" x="8" y="7" width="36" height="37"> <path fill="#D9D9D9" d="M8 8h36v36H8z"/> </mask> <g mask="url(#b)"> <path class="webinars__play-inner" d="M21.82 31.234a.973.973 0 0 0 1.496.82l8.825-5.618c.6-.383.6-1.26 0-1.642l-8.825-5.618a.973.973 0 0 0-1.495.82v11.238Zm4.218 11.773c-2.377 0-4.623-.457-6.739-1.37a17.641 17.641 0 0 1-5.544-3.739 17.641 17.641 0 0 1-3.739-5.544c-.913-2.116-1.37-4.362-1.37-6.739 0-2.406.457-4.667 1.37-6.783.913-2.116 2.16-3.957 3.74-5.522 1.58-1.565 3.427-2.804 5.543-3.717 2.116-.913 4.363-1.37 6.74-1.37 2.405 0 4.666.457 6.782 1.37 2.116.913 3.957 2.152 5.522 3.717 1.565 1.566 2.805 3.406 3.718 5.522.913 2.116 1.37 4.377 1.37 6.783 0 2.377-.457 4.623-1.37 6.74-.913 2.115-2.153 3.963-3.718 5.543s-3.406 2.826-5.522 3.74c-2.116.912-4.377 1.369-6.783 1.369Z" fill="#fff"/> </g> </g> <defs> <filter id="a" x="-44" y="-44" width="140" height="140" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix"/> <feGaussianBlur in="BackgroundImageFix" stdDeviation="22"/> <feComposite in2="SourceAlpha" operator="in" result="effect1_backgroundBlur_905_2224"/> <feBlend in="SourceGraphic" in2="effect1_backgroundBlur_905_2224" result="shape"/> </filter> </defs> </svg></div></div></div><div class="mt-16"><div v-html="highlightMatch(item.name, query)" class="detail-22 line-clamp-3">One-click financing for invoices—now part of Ramp’s fastest-growing service, Bill Pay</div></div></div><div class="hidden d-block-sm"><div v-html="highlightMatch(item.name, query)" class="h4-22 line-clamp-2">One-click financing for invoices—now part of Ramp’s fastest-growing service, Bill Pay</div><div class="mt-8"><div class="c-text--light--hushed"><div v-text="item.subtext" class="detail-22 line-clamp-3">This is some text inside of a div block.</div></div></div></div></a></div></div></div><div v-if="!filteredKeywords.length && !results.length"><div class="my-16"><div class="h4-22 text-center">No items match your query.</div><div class="mt-8"><div class="detail-22 text-center">Try expanding your search.</div></div></div></div></div></div><div v-if="filteredKeywords.length || results.length"><div class="mb-16"><div class="search-hairline"></div></div><div class="flex flex-jcenter"><a v-bind:href="allResultsUrl" href="#" class="button-medium-23 button-solar-23 global-search w-inline-block"><div class="button-text-22">Show all results</div></a></div></div></div></div></div></div><div><div data-w-id="c41f208d-6a36-2f06-cda1-0efc736c9e1e" class="nav-trigger-23"></div><div class="hidden w-embed w-script"><script> /* document.addEventListener('DOMContentLoaded', () => { const st = window.pageYOffset || document.documentElement.scrollTop; if (st > 0) { const exploreBtn = document.getElementById('explore-product-btn'); exploreBtn.style.display = 'block'; } }); */ </script></div></div></div><div class="main-22"><div class="section-22 overflow-visible"><div class="nav-spacer"><div class="bg-color bg-surface--graylight"></div></div><div class="bg-color bg-surface--graylight"></div><div class="contain-22"><div class="sc-hero-block blog"><div class="sc-hero-block__image-grid"><div id="w-node-_4259875e-d6a6-8160-ee16-b95db5df60b5-c3b85ef2" class="blog-hero-content-23"><div class="blog-breadcrumb-wrapper-23"><a href="https://ramp.com/resources" class="breadcrumb-link">Resources</a><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/618430895dacc1028c60e007_arrow-right.svg" loading="eager" width="16" height="16" alt="" class="breadcrumb-arrow"/><a href="https://ramp.com/resources-search?type=Article" class="breadcrumb-link">Articles</a><img 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text-left">See the latest spending trends for 25k+ companies on Ramp </div><div class="mt-8"><div class="text-color black-500"><div class="detail-22"><br/>Benchmark your company's expenses with Ramp's data. </div></div></div><div class="mt-16"><div class="flex flex-jcenter"><div class="get-ramp-form-22 w-form"><form method="get" class="get-ramp-form-22__inner" data-get-started-form="low-intent-form" name="email-form" data-name="Email Form" cvr-component="email_gate" data-low-intent-form-id="download-free-report-icon-button" discovery-method-details="summer_2024_benchmark_report" zapier-webhook="" id="email-form" data-allow-personal-emails="false" discovery-method="gated_content" data-wf-page-id="64638e12b3757911c3b85ef2" data-wf-element-id="dbb0b93e-dce9-d6cf-c224-d3e561f62674"><div class="spacer-8"><div class="get-ramp-form-23__input-wrapper input-dark"><input class="get-ramp-form-23__email-input input-dark w-node-dbb0b93e-dce9-d6cf-c224-d3e561f62677-c3b85ef2 w-input" maxlength="256" 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Thankfully, some types of business credit cards don’t require a credit check, helping you access financing even with low creditworthiness.</p><p>‍</p><p>This article will review four of the best startup business credit cards with no credit check and share all the details you need to make an informed decision about which to choose. We'll look at a range of features, benefits, drawbacks, and available options for startups, including:</p><p>‍</p><ul role="list"><li>The Ramp Business Credit Card</li><li>Brex Card</li><li>BILL Divvy Corporate Card</li><li>OpenSky Secured Visa Credit Card</li></ul><h2>How a business credit card with no credit check works</h2><p>When your startup <a href="https://ramp.com/blog/how-to-apply-for-a-business-credit-card-in-2023">applies for a business credit card</a> that doesn’t require a credit check, lenders judge your application against other factors, such as your business revenue and history. This makes them more accessible to businesses with less established credit scores.</p><p>‍</p><p>The application process is usually simpler than traditional credit cards, requiring only basic information like your business name, address, and contact details. Once approved, you can use your card immediately up to your specified <a href="https://ramp.com/blog/what-is-a-credit-limit">credit limit</a>.</p><h2>Why choose a credit card with no credit check?</h2><p>Applying for your first business credit card will typically trigger a hard inquiry into your personal credit history. In the absence of established <a href="https://ramp.com/blog/101-guide-to-business-credit-scores">business credit</a>, credit card issuers need a way to check your creditworthiness before approving you for a business credit card. Personal credit history is usually the best proxy in these cases.</p><p>‍</p><p>A credit card with no credit check is ideal for startup founders who don't have an established business credit history or who are looking to build business credit. Here are a few situations when these cards can be beneficial:</p><p>‍</p><ul role="list"><li>You need to <a href="https://ramp.com/blog/how-to-establish-build-business-credit">build your business credit score</a></li><li>You want to get access to a higher credit limit</li><li>You need extra funds for business expenses</li><li>You’re starting a new business with no credit history and need access to credit</li><li>You’re not eligible for traditional credit cards due to no or bad credit history</li><li>You need to make purchases online or abroad</li><li>You want to spread the cost of purchasing equipment or supplies</li></ul><h2>Best business credit cards with no credit check for startups</h2><p>‍</p><div class="w-embed w-script"><script> (function(script) { document.addEventListener("DOMContentLoaded", function(event) { generateCardCompareApp.init({ target: script, selectedRampCardSlug: ["no-credit-check-ramp"], selectedOtherCardsSlugs: ["no-credit-check-brex","no-credit-check-bill-divvy","no-credit-check-opensky"], titleText: "Card comparison", defaultFeatureTitles: ["ANNUAL FEE","APR"], showDetailsInitialState: true, disclaimerType: "card", }); }) })(document.currentScript); </script></div><p>‍</p><div class="w-embed w-script"><script> (function(script) { document.addEventListener('DOMContentLoaded', () => { createSingleCard('startup-credit-ramp', script) }) })(document.currentScript); </script></div><p>‍</p><p>The Ramp Business Credit Card is ideal for startups without a credit history. You just need an EIN and $25,000 in a business bank account to qualify—no credit check or personal guarantee required. Once you’re approved, you can issue as many physical or virtual cards as your startup needs at no additional cost.</p><p>‍</p><p>Ramp's corporate credit card offers cashback on purchases and built-in expense management software to help streamline your business finances. On top of Ramp’s built-in card controls, you also get receipt matching, corporate travel management, automated expense reporting and approval workflows, and AI-powered spending insights to help you save time and money.</p><p>‍</p><div class="w-embed w-script"><script> (function(script) { document.addEventListener('DOMContentLoaded', () => { createSingleCard('startup-credit-brex', script) }) })(document.currentScript); </script></div><p>‍</p><p>The Brex Card is another popular startup business credit card with no credit check aimed at venture-backed and mid-market companies. Brex’s business credit card functions as a charge card, so it requires daily or monthly balance payments; there’s no option to carry a balance from month to month. It offers a points-based rewards system, with different point bonuses for different categories. Brex’s corporate cards also come with expense management features.</p><p>‍</p><p>While the Brex Card has many benefits, it does come with some drawbacks. Its requirement for daily or monthly balance payments can limit cash flow flexibility for businesses that prefer or need to carry a balance. Additionally, the card is primarily designed for venture-backed companies, which may exclude smaller startups or those without substantial funding.</p><p>‍</p><div class="w-embed w-script"><script> (function(script) { document.addEventListener('DOMContentLoaded', () => { createSingleCard('startup-credit-bill', script) }) })(document.currentScript); </script></div><p>‍</p><p>BILL, formerly known as Bill.com, is best-known for its <a href="https://ramp.com/blog/top-bill-alternatives">AP/AR automation software</a>. After acquiring Divvy, it added corporate cards with integrated expense management features to its product offerings. BILL’s corporate card is available to registered businesses with an Employer Identification Number (EIN) and a US business bank account.</p><p>‍</p><p>Like Brex, the BILL card offers a points-based rewards program with bonus points in various purchase categories. Unlike other options we review here, BILL does require a credit check for approval—luckily, it’s only a soft credit check, so it won’t affect your credit score.</p><p>‍</p><div class="w-embed w-script"><script> (function(script) { document.addEventListener('DOMContentLoaded', () => { createSingleCard('startup-credit-opensky', script) }) })(document.currentScript); </script></div><p>‍</p><p>The OpenSky Secured Visa Credit Card works a bit differently than the other small business credit cards we’ve listed here, but it’s worth mentioning as an option for new businesses with no credit history. The OpenSky Secured Visa doesn’t require a credit check, but because it’s a <a href="https://ramp.com/blog/secured-business-credit-card">secured credit card</a>, it does require a refundable security deposit. The deposit then acts as your credit line.</p><p>‍</p><p>The downside is that this means your line of credit will be limited by the amount of cash you have on hand to pay the security deposit. On the positive side, though, you don’t need a business bank account to qualify, there’s no personal credit check required, and regular, timely payments will help you build business credit.</p><h2>Pros and cons of business credit cards with no credit checks</h2><p>Before applying for a business credit card with no credit check, it’s important to understand the pros and cons. Here are some of the key benefits and drawbacks to consider:</p><h3>Pros:</h3><ul role="list"><li>Quick and easy application process</li><li>Accessible for those with little or no credit history</li><li>Low interest rates</li><li>Ability to build your business credit score over time</li><li>No credit check necessary for approval</li></ul><h3>Cons:</h3><ul role="list"><li>May require a personal guarantee</li><li>Lower credit limits than traditional cards</li><li>Fewer <a href="https://ramp.com/blog/how-do-credit-card-rewards-work">rewards and benefits</a> than traditional cards</li><li>Some business credit cards with no credit check may require a higher minimum deposit as collateral</li></ul><h2>5 alternative options with no credit check for startups to consider</h2><p>If your startup or small business is <a href="https://ramp.com/blog/working-capital-financing">seeking financing</a>, there are several alternatives to business credit cards worth exploring. These options can provide opportunities for growth and financial stability without a credit check. Plus, they offer ways for business owners to build business credit without using a credit card.</p><h3>1. Trade credit</h3><p>Trade credit allows businesses to make purchases on credit without requiring a credit check. By building a strong relationship with suppliers and consistently making timely payments, you can establish business credit and gain access to the essential resources you need to operate and expand.</p><h3>2. Alternative lending</h3><p>Another option is to seek out alternative lending sources such as online lenders or peer-to-peer lending platforms. These options often have more flexible lending criteria and may be willing to extend small business loans to businesses with <a href="https://ramp.com/blog/business-loans-with-no-credit-check">no credit check</a>.</p><h3>3. Invoice factoring</h3><p><a href="https://ramp.com/blog/what-is-invoice-factoring">Invoice factoring</a> involves selling unpaid invoices to a third-party company in exchange for immediate cash. This can help businesses improve their cash flow and access funds without relying on credit.</p><h3>4. Merchant cash advances</h3><p>Merchant cash advances provide businesses with a lump sum of cash in exchange for a percentage of future sales. This option can be particularly beneficial if your business has a consistent stream of revenue.</p><h3>5. Partnerships</h3><p>Finally, business owners can consider establishing partnerships or joint ventures with other companies. By pooling resources and sharing risks, your business can access capital and resources without the need for a credit check.</p><p>‍</p><div class="w-embed"><div class="rich-tip-box"> <div> <div class="rich-tip-box__legend">TIP</div> <div class="h4-22 c-text--light--primary">Can I get a business credit card with no business income?</div> </div> <div class="body-22"> Yes, you can get a business credit card without any business income. That's because most business credit cards base approval on your personal credit history rather than your business income. However, note that most business credit cards require a personal guarantee, which means you as an individual are responsible for your business's unpaid credit card debt. </div> </div></div><p>‍</p><h3>Honorable mention: Secured credit cards</h3><p>Although they typically require a credit check, secured business credit cards are another good alternative to traditional business credit cards if you or your business have low or no credit. Your personal credit score tends not to be a major factor for approval because of the way these cards work.</p><p>‍</p><p>With a secured credit card, you make an initial cash deposit that acts as collateral. This deposit directly determines your card's credit limit. For example, a $1,000 deposit would typically allow for a $1,000 line of credit. You then use the secured card just like a traditional credit card by making purchases up to your credit limit and paying down your balance monthly.</p><p>‍</p><p>When you use a secured credit card responsibly by making timely payments and keeping your balance low, it reflects positively on your business’s credit report because secured credit card issuers report to the major <a href="https://ramp.com/blog/business-credit-bureaus">business credit bureaus</a>. Over time, as you build business credit, you can eventually qualify for the best business cards.</p><h2>Consider Ramp's startup business credit card with no credit check</h2><p>Does your startup or small business need access to credit, but you don’t have the necessary credit score?</p><p>‍</p><p>Ramp is a business credit card and expense management platform with no credit check or personal guarantee required. Instead, our qualification process depends on the amount of capital you have in your business bank account, or you may be eligible for our <a href="https://ramp.com/blog/introducing-commerce-sales-based-underwriting">sales-based underwriting</a>.</p><p>‍</p><p>Here are a few of the <a href="https://ramp.com/corporate-cards">features</a> you can expect from us:</p><p>‍</p><ul role="list"><li>Unlimited physical and virtual employee cards</li><li>Automate your expense policy and set custom spending limits at the card level</li><li>No foreign transaction fees when using your card abroad</li></ul></div><div class="pos-rel my-24"><div class="py-48 px-24"><div class="flex flex-col flex-acenter flex-center"><div class="mb-24"><div class="h4-22 c-text--dark--primary text-center">Try Ramp for free</div></div><div class="get-ramp-form-22 w-form"><form method="get" class="get-ramp-form-22__inner" data-get-started-form="true" name="email-form" data-name="Email Form" cvr-component="blog_end_inline_cta" data-low-intent-form-id="" discovery-method-details="" zapier-webhook="" id="email-form" data-allow-personal-emails="" discovery-method="" data-wf-page-id="64638e12b3757911c3b85ef2" data-wf-element-id="c2c28d00-719f-267a-ebe0-f770b5effe44"><div class="spacer-8"><div class="get-ramp-form-23__input-wrapper input-dark"><input class="get-ramp-form-23__email-input input-dark w-node-c2c28d00-719f-267a-ebe0-f770b5effe47-b5effe43 w-input" maxlength="256" name="Email" data-name="Email" placeholder="What's your work email?" type="email" id="Email" required=""/><input type="submit" data-wait="Please wait..." data-cta-element="cta-button" class="get-ramp-form-23__submit button-loud w-button" value="Get started for free"/></div><div class="text-center"><div data-form-element="error-message" class="get-ramp-error-msg-22">Error Message</div><div data-form-element="credit-check-message" class="no-credit-checks-22 c-text--dark--hushed"> </div></div></div></form><div class="w-form-done"><div>Thank you! 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His writing has also appeared in The Muse, Business Insider, Fast Company, Mashable, Lifehacker, and more. </div></div><div class="hidden"><div data-author-linkedin="" class="detail-22">https://www.linkedin.com/in/richardmoy/</div></div></div></div><div class="hidden w-embed w-script"><div id="richard-moy"> </div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script> (() => { const authorElement = document.getElementById('richard-moy'); const wrapper = authorElement?.closest('.about-the-author-wrapper'); if (wrapper) { const authorRole = 'Finance Writer, Ramp'; if (!authorRole) { wrapper.remove(); } } })(); </script></div></div></div></div></div><div class="mt-24"><div class="flex flex-col flex-rgap-8"><a href="#" class="flex flex-acenter text-nodecoration w-inline-block w-condition-invisible"><div class="flex flex-sm-col"><div class="mr-4"><div class="detail-22 c-text--light--hushed">Edited by</div></div><div class="flex flex-wrap"><div class="detail-22 w-dyn-bind-empty"></div><div class="comma-author-info w-condition-invisible">,</div><div class="blog-post-author-info author-role w-condition-invisible w-dyn-bind-empty"></div></div></div></a><a href="/authors/scott-hickam" class="flex flex-acenter text-nodecoration flex-sm-astart w-inline-block"><div class="flex flex-sm-col"><div class="mr-4"><div class="detail-22 c-text--light--hushed">Reviewed by</div></div><div class="flex flex-wrap"><div class="detail-22">Scott Hickam</div><div class="comma-author-info w-condition-invisible">,</div><div class="blog-post-author-info author-role w-condition-invisible w-dyn-bind-empty"></div></div></div></a></div></div><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict <a href="/editorial-guidelines"><em>editorial guidelines</em></a> to ensure that our content meets and maintains our high standards.</div></div><div class="hidden"><div data-topics="" class="w-dyn-list"><div role="list" class="flex w-dyn-items"><div role="listitem" class="w-dyn-item"><div class="detail-22">Capital solutions</div></div></div></div></div></div></div></div></div></div></div></div><div class="my-24"><div class="spacer-24"><div id="w-node-_8364725a-2424-1c98-dde6-78bc20f8dcf0-c3b85ef2" class="section-22 w-condition-invisible"><div class="contain-22"><div class="sc-faq-block"><div class="py-72 px-24 px-xl-40 px-sm-16 py-md-40"><h2 class="h2-22">FAQs</h2><div class="mt-48"><div class="sc-faq-block__faq"><div class="w-condition-invisible"><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22"></div><div 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width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"></div></div></div></div></div><div class="w-condition-invisible"><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22"></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"></div></div></div></div></div><div class="w-condition-invisible"><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22"></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"></div></div></div></div></div><div class="w-condition-invisible"><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22"></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"></div></div></div></div></div><div class="w-condition-invisible"><div class="sc-faq-block__faq-item-23"><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d88-1b815d87" data-w-id="b23a24bb-6e8a-4859-4708-b64b1b815d88" class="sc-faq-block__question-23"><div class="body-22"></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8b-1b815d87" class="sc-faq-block__button"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/648210261d0809f2e7e678bf_expand_more.svg" loading="lazy" width="20" height="20" alt="" id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8c-1b815d87" class="sc-faq-block__plus-23"/></div></div><div id="w-node-b23a24bb-6e8a-4859-4708-b64b1b815d8d-1b815d87" class="sc-faq-block__answer-23"><div class="pb-16"><div class="faq-rich-text w-richtext"></div></div></div></div></div></div></div></div></div></div></div><div id="w-node-e4d57c90-c994-80fb-1175-76c68f7d36de-c3b85ef2" class="section-22"><div class="contain-22"><div class="py-72 px-24 px-xl-40 px-sm-16 py-md-40"><h2 class="h3-22">Don't miss these</h2><div class="mt-48"><div class="w-dyn-list"><div role="list" class="sc-triple-image-grid__grid blog w-dyn-items"><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/check-business-credit-scores" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6580b6c09715e9c83770effd_dd89db1e-8abb-4745-9ad6-369e0b686a12.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/64babf590693a986925e08c6_ba9d1a18-89d1-4725-8fa3-274057a909df.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed w-condition-invisible"><div class="detail-22 w-dyn-bind-empty"></div></div></div><div class="mt-8"><div class="h5-22">How to check your business credit score for free</div></div></div></a></div><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/what-is-a-credit-limit" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/663da7a050aefe1ed0578e28_Hero-corporate-cards-1-4x3%20(5).png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65aacd23db7933f45b1bb0bb_Hero-corporate-cards-1-2x1.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Explainer</div></div></div><div class="mt-8"><div class="h5-22">What is a credit limit and how is it determined?</div></div></div></a></div><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/best-business-travel-credit-cards" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards.png" loading="lazy" alt="" sizes="(max-width: 479px) 88vw, (max-width: 767px) 93vw, (max-width: 991px) 28vw, (max-width: 1279px) 30vw, 29vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-1600.png 1600w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards.png 1824w" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards.png" loading="lazy" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards-p-1600.png 1600w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/66a256541bfb2b7de07a0f19_BCC-%20The%20best%20business%20credit%20cards%20for%20travel%20rewards.png 1824w" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Insights</div></div></div><div class="mt-8"><div class="h5-22">The best business credit cards for travel rewards in November 2024</div></div></div></a></div><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/best-payroll-software-for-startups-and-small-businesses" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6553e7d9c0ec77f6bd589528_91b36f71-de3a-4ed6-bf1f-9c944a20ab8b.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/64dd2ca110219ba84f54e31e_0720ec3a-ac90-45e4-bb50-f654b125709c.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Explainer</div></div></div><div class="mt-8"><div class="h5-22">5 best payroll systems for startups and small businesses</div></div></div></a></div><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/corporate-credit-card" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65ca55d63e22f8ae79c8d884_63eae8f6f562cab0841ad132_Hero-corporate-cards-4x3.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65ca5511b91c7adcbd657d49_64dcd2813faf63093f906626_28510172-ab95-4c81-9812-053f8c67bee3.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Insights</div></div></div><div class="mt-8"><div class="h5-22">What is a corporate credit card?</div></div></div></a></div><div role="listitem" class="sc-triple-image-grid__item w-dyn-item"><a href="/blog/business-credit-cards-with-ein-only" class="no-underline w-inline-block"><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65fb37bc83179330028769cb_72e42c67-ffb1-4877-85c5-b4c74c74d9bb.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto"/><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65fb37bc83179330028769d3_ad5c7bec-43dd-43af-8f92-9935cd5c2177.png" loading="lazy" alt="" class="u-aspect-ratio-2-1 object-fit-cover br-8 _w-full h-auto w-condition-invisible"/><div class="sc-triple-grid__text"><div class="mt-24"><div class="c-text--light--hushed"><div class="detail-22">Explainer</div></div></div><div class="mt-8"><div class="h5-22">How to get a business credit card with just your EIN</div></div></div></a></div></div></div></div></div></div></div><div id="w-node-a3fe6f8d-3146-5222-9dde-7f1a27f49426-c3b85ef2" class="section-22"><div class="contain-22"><div data-delay="4000" data-animation="slide" class="blog-case-studies__slider w-slider" data-autoplay="false" data-easing="ease" data-hide-arrows="false" data-disable-swipe="false" data-autoplay-limit="0" data-nav-spacing="3" data-duration="500" data-infinite="true"><div class="w-slider-mask"><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-_1fe61937-2d5f-2c41-a737-7247a29bb536-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673e2d1148c1a2da9a3f8896_The%20Second%20City_Thumbnail_3x2.png" loading="lazy" class="sc-case-study-slider__img"/><div id="w-node-d18f3693-ae48-4296-9d32-d37ae746a247-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-_68f4f9dc-1342-755e-faa8-7e0caebbc563-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How The Second City expedited expense management and gained financial control with Ramp</h2></div><div id="w-node-_68f4f9dc-1342-755e-faa8-7e0caebbc568-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22 w-dyn-bind-empty"></div><div class="mt-8"><div class="body-22 strong w-dyn-bind-empty"></div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/the-second-city-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-_591f932d-d2e6-5800-2bf1-d32313df3b6a-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673d2d76ec15224653393554_Bratjen_Construction_Thumbnail_3x2.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673d2d76ec15224653393554_Bratjen_Construction_Thumbnail_3x2-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673d2d76ec15224653393554_Bratjen_Construction_Thumbnail_3x2-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673d2d76ec15224653393554_Bratjen_Construction_Thumbnail_3x2-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673d2d76ec15224653393554_Bratjen_Construction_Thumbnail_3x2.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-_591f932d-d2e6-5800-2bf1-d32313df3b6b-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-_591f932d-d2e6-5800-2bf1-d32313df3b6d-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">“Just do it:” How Bratjen Construction Modernized Processes, Saved Time, and Improved Accuracy with Ramp</h2></div><div id="w-node-_591f932d-d2e6-5800-2bf1-d32313df3b71-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22">“Prior to Ramp, we had a handful of cards that our owners and leadership had access to, but it was more of a trust based system. Ramp has allowed us to give cards to more people, but the controls in Ramp ensure that the cards are used properly.”</div><div class="mt-8"><div class="body-22 strong">Michael Irvin, Director of Operations, Bratjen Construction</div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/bratjen-construction-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-e5d145e2-e192-e1e9-cf67-b7eb5c1afe84-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6736834db6dd3f97a17bc865_MAGNA-TILES_Thumbnail_3x2.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6736834db6dd3f97a17bc865_MAGNA-TILES_Thumbnail_3x2-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6736834db6dd3f97a17bc865_MAGNA-TILES_Thumbnail_3x2-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6736834db6dd3f97a17bc865_MAGNA-TILES_Thumbnail_3x2-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6736834db6dd3f97a17bc865_MAGNA-TILES_Thumbnail_3x2.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-e5d145e2-e192-e1e9-cf67-b7eb5c1afe85-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-e5d145e2-e192-e1e9-cf67-b7eb5c1afe87-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How MAGNA-TILES® implemented a corporate card program, reduced stress, and prepared to build with Ramp</h2></div><div id="w-node-e5d145e2-e192-e1e9-cf67-b7eb5c1afe8b-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22">"In my day-to-day, Ramp helps me resolve things quickly and expedite month-end close. From an overall holistic business standpoint, we now have the ability to quickly scale as we add new users. It’s kind of crazy how quickly things have grown here, and Ramp has been a great partner for us in that growth.”</div><div class="mt-8"><div class="body-22 strong">Tim Borse, Assistant Controller, MAGNA-TILES </div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/magna-tiles-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-_5183a7f7-4398-00e0-b785-6bda204f64fb-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673529a74016ae8bbab030f4_eventbrite_Thumbnail_3x2.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673529a74016ae8bbab030f4_eventbrite_Thumbnail_3x2-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673529a74016ae8bbab030f4_eventbrite_Thumbnail_3x2-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673529a74016ae8bbab030f4_eventbrite_Thumbnail_3x2-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/673529a74016ae8bbab030f4_eventbrite_Thumbnail_3x2.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-_5183a7f7-4398-00e0-b785-6bda204f64fc-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-_5183a7f7-4398-00e0-b785-6bda204f64fe-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How Eventbrite streamlined processes and improved UX with Ramp</h2></div><div id="w-node-_5183a7f7-4398-00e0-b785-6bda204f6502-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22">"The Ramp dashboard easily shows how many cardholders are paying for the same subscription. Now the procurement team has the information they need to negotiate a corporate package.”</div><div class="mt-8"><div class="body-22 strong">Laura Moreno, Sr. Manager, Global AP, Eventbrite</div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/eventbrite-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-_701e32dd-aa3e-f6fe-54b6-0ab2c122895d-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6740c63f038881bd3589e6e9_BGCA_Thumbnail_3x2_V1.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6740c63f038881bd3589e6e9_BGCA_Thumbnail_3x2_V1-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6740c63f038881bd3589e6e9_BGCA_Thumbnail_3x2_V1-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6740c63f038881bd3589e6e9_BGCA_Thumbnail_3x2_V1-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6740c63f038881bd3589e6e9_BGCA_Thumbnail_3x2_V1.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-_701e32dd-aa3e-f6fe-54b6-0ab2c122895e-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-_701e32dd-aa3e-f6fe-54b6-0ab2c1228960-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How Boys & Girls Clubs of America improved efficiency, gained visibility over spend, and regained lost time with Ramp</h2></div><div id="w-node-_701e32dd-aa3e-f6fe-54b6-0ab2c1228964-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22 w-dyn-bind-empty"></div><div class="mt-8"><div class="body-22 strong w-dyn-bind-empty"></div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/boys-and-girls-clubs-of-america-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-fe183904-0e98-a75b-a85b-41311ea8dba5-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/67227a3b45addf819154a613_Evans_Hotel_Thumbnail%203x2.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/67227a3b45addf819154a613_Evans_Hotel_Thumbnail%203x2-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/67227a3b45addf819154a613_Evans_Hotel_Thumbnail%203x2-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/67227a3b45addf819154a613_Evans_Hotel_Thumbnail%203x2-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/67227a3b45addf819154a613_Evans_Hotel_Thumbnail%203x2.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-fe183904-0e98-a75b-a85b-41311ea8dba6-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-fe183904-0e98-a75b-a85b-41311ea8dba8-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How Evans Hotels saved time and gained spend visibility with Ramp</h2></div><div id="w-node-fe183904-0e98-a75b-a85b-41311ea8dbac-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22">“Ramp has been a big win for us when it comes to transparency and visibility. If the executive team wants to dig into spend at a property or review purchases the teams are making, we can have that information really quickly and are confident it’s accurate.”</div><div class="mt-8"><div class="body-22 strong">Caryn Fink, Director of Accounting, Evans Hotels</div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/evans-hotels-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="w-slide"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="sc-case-study-block w-dyn-item"><div class="bg-color bg-black-50 br-8"></div><div class="sc-case-study-padding__bank"><div class="sc-case-study-block__grid"><img id="w-node-fb4f7694-48f4-3178-714f-fb7b085e7d5b-c3b85ef2" alt="" src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/671ff9cb764700590e5aacb1_Precision_Thumbnail_3x2.png" loading="lazy" sizes="(max-width: 479px) 90vw, (max-width: 767px) 94vw, (max-width: 991px) 42vw, (max-width: 1279px) 44vw, 45vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/671ff9cb764700590e5aacb1_Precision_Thumbnail_3x2-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/671ff9cb764700590e5aacb1_Precision_Thumbnail_3x2-p-800.png 800w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/671ff9cb764700590e5aacb1_Precision_Thumbnail_3x2-p-1080.png 1080w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/671ff9cb764700590e5aacb1_Precision_Thumbnail_3x2.png 1200w" class="sc-case-study-slider__img br-8"/><div id="w-node-fb4f7694-48f4-3178-714f-fb7b085e7d5c-c3b85ef2" class="px-24 px-sm-0"><div class="flex flex-col flex-aend flex-jcenter h-full flex-sm-acenter"><div id="w-node-fb4f7694-48f4-3178-714f-fb7b085e7d5e-c3b85ef2" class="sc-case-study-block__header"><div class="max-w-540 mr-auto"><div class="text-center-sm"><h2 class="sc-feature-detail__heading">How Ramp became KIPP Nashville’s biggest financial win</h2></div><div id="w-node-fb4f7694-48f4-3178-714f-fb7b085e7d62-c3b85ef2" class="mt-24"><div class="flex flex-col flex-sm-acenter"><div class="text-center-sm"><div class="body-22">"There was no fire drill for the beginning of the school year this year, because the schools had a process. Ramp will ingest the line items automatically, so no more manual import. It’s made the process so much easier."</div><div class="mt-8"><div class="body-22 strong">Carey Peek, CFO, KIPP Nashville Public Schools</div></div></div><div class="mt-24"><a data-analytics="" data-anchor-link="" href="/customers/kipp-nashville-customer-story" class="button-medium-23 button-primary-23 w-inline-block"><div class="button-text-22">Read case study</div></a></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div class="flex flex-jcenter flex-acenter w-slider-arrow-left"><img width="36" height="36" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6440080a923d9efbccfdecab_Slider_Left.svg" loading="lazy" alt="" class="hidden-sm"/></div><div class="flex flex-acenter flex-jcenter w-slider-arrow-right"><img width="36" height="36" src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/6440080ad31ad103715db47f_Slider_Right.svg" loading="lazy" alt="" class="hidden-sm"/></div><div class="hidden w-slider-nav"></div></div></div></div></div></div><div class="w-condition-invisible"><div class="w-dyn-bind-empty w-richtext"></div></div><div><div class="hidden w-dyn-list"><div id="ramp-cards" role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-feature-title="1">Annual Fee</div><div data-feature-title="2">APR</div><div data-feature-title="3" class="w-dyn-bind-empty"></div><div data-feature-title="4" class="w-dyn-bind-empty"></div><div data-feature-value="1">$0</div><div data-feature-value="2">N/A</div><div data-feature-value="3" class="w-dyn-bind-empty"></div><div data-feature-value="4" class="w-dyn-bind-empty"></div><div data-card-el="name">Startup No Credit Check – Ramp</div><div data-card-el="badge">The best business credit card for startups</div><div data-card-el="slug">no-credit-check-ramp</div><div data-card-el="card-title">Ramp Business Credit Card</div><div data-card-el="g2Score" class="w-dyn-bind-empty"></div><div data-card-el="g2Link" class="w-dyn-bind-empty"></div><div data-card-el="details-label" class="w-dyn-bind-empty"></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65df84803181648cce0b3c89_65cf819f3fb42a9452ef0295_CARD_HERO_01%201%20(1).webp" loading="lazy" alt=""/><div data-card-el="use-logo-images" class="w-condition-invisible"></div><div data-card-el="details" class="w-richtext"><ul role="list"><li>Business credit card with customizable spending controls</li><li>Cashback rewards on purchases</li><li>Exclusive partner rewards</li><li>Unlimited free physical and virtual employee cards</li><li>Access to advanced expense management features</li><li>Must have $25,000 in a business bank account to qualify</li></ul></div><div data-card-el="pros" class="w-richtext"><p><strong>Pros:</strong></p><ul role="list"><li>Advanced expense management automations and accounting integrations</li><li>No personal guarantee or credit check required for eligibility</li><li>No annual fee or foreign transaction fees</li></ul><p>‍</p></div><div data-card-el="cons" class="w-richtext"><p><strong>Cons:</strong></p><ul role="list"><li>Not available to sole proprietors. Must be a corporation, limited liability company, or LP to qualify</li><li>Must have most of your operations and corporate spend in the US (though international purchases are supported with no foreign transaction fees)</li><li>Doesn't support balance transfers</li></ul><p>‍</p></div><a card-compare-el="slug" href="#" class="w-inline-block"></a></div></div></div><div class="hidden w-dyn-list"><div id="other-cards" role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-feature-title="1">Annual Fee</div><div data-feature-title="2">APR</div><div data-feature-title="3"> </div><div data-feature-title="4"> </div><div data-feature-value="1">$0</div><div data-feature-value="2">N/A</div><div data-feature-value="3"> </div><div data-feature-value="4"> </div><div data-card-el="name">Startup No Credit Check - Brex</div><div data-card-el="badge">Best for points-based rewards</div><div data-card-el="slug">no-credit-check-brex</div><div data-card-el="card-title">Brex Card</div><div data-card-el="g2Score" class="w-dyn-bind-empty"></div><div data-card-el="g2Link" class="w-dyn-bind-empty"></div><div data-card-el="details-label" class="w-dyn-bind-empty"></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65cd21dad193be8759ee75d0_65cc35b715f6a7a634f4bce6_brex.webp" loading="lazy" alt=""/><div data-card-el="use-logo-images" class="w-condition-invisible"></div><div data-card-el="details" class="w-richtext"><ul role="list"><li>Corporate card designed for venture-backed or mid-market companies</li><li>Functions as a charge card, requiring daily or monthly balance payments, with no option to carry a balance from month to month</li><li>Points-based rewards with different points per purchase category</li><li>Includes expense management features and Mastercard benefits</li></ul></div><div data-card-el="pros" class="w-richtext"><ul role="list"></ul><p><strong>Pros:</strong></p><ul role="list"><li>Flexible rewards system with up to 7x points on certain spending categories</li><li>No annual, foreign transaction, or account fees</li><li>No personal guarantee or credit check required for eligibility</li><li>Unlimited physical and virtual cards issued by Mastercard</li></ul></div><div data-card-el="cons" class="w-richtext"><ul role="list"></ul><p><strong>Cons:</strong></p><ul role="list"><li>Limited to specific business types (C-corp, S-corp, LLC, and LLPs) with equity investors, substantial annual revenue, or a significant number of employees</li><li>Top rewards require an exclusivity agreement with Brex</li><li>New users must pay off their balance daily</li></ul></div><a card-compare-el="slug" href="#" class="w-inline-block"></a></div><div role="listitem" class="w-dyn-item"><div data-feature-title="1">Annual Fee</div><div data-feature-title="2">APR</div><div data-feature-title="3" class="w-dyn-bind-empty"></div><div data-feature-title="4" class="w-dyn-bind-empty"></div><div data-feature-value="1">$0</div><div data-feature-value="2">N/A</div><div data-feature-value="3" class="w-dyn-bind-empty"></div><div data-feature-value="4" class="w-dyn-bind-empty"></div><div data-card-el="name">Startup No Credit Check – BILL Divvy</div><div data-card-el="badge">Best for low capital requirements</div><div data-card-el="slug">no-credit-check-bill-divvy</div><div data-card-el="card-title">BILL Divvy Corporate Card</div><div data-card-el="g2Score" class="w-dyn-bind-empty"></div><div data-card-el="g2Link" class="w-dyn-bind-empty"></div><div data-card-el="details-label" class="w-dyn-bind-empty"></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3.png" loading="lazy" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3.png 536w"/><div data-card-el="use-logo-images" class="w-condition-invisible"></div><div data-card-el="details" class="w-richtext"><ul role="list"><li>Corporate card available to registered businesses with an EIN number and U.S. business bank account</li><li>Comes with expense management software</li><li>Points-based rewards with bonus points in different categories</li><li>Requires only a soft credit check, so it won't temporarily affect your credit score</li></ul></div><div data-card-el="pros" class="w-richtext"><p><strong>Pros:</strong></p><ul role="list"><li>Doesn't require a hard credit check</li><li>Lower capital requirement of $20,000</li><li>No annual fee</li><li>Unlimited physical and virtual cards</li></ul></div><div data-card-el="cons" class="w-richtext"><ul role="list"></ul><p><strong>Cons:</strong></p><ul role="list"><li>Requires a soft credit check</li><li>Fair credit is needed to qualify</li><li>To earn rewards, you have to use 30% of your credit line in a given month</li><li>Foreign transaction fees</li></ul></div><a card-compare-el="slug" href="#" class="w-inline-block"></a></div><div role="listitem" class="w-dyn-item"><div data-feature-title="1">Annual Fee</div><div data-feature-title="2">APR</div><div data-feature-title="3" class="w-dyn-bind-empty"></div><div data-feature-title="4" class="w-dyn-bind-empty"></div><div data-feature-value="1">$35</div><div data-feature-value="2">25.64% (variable)</div><div data-feature-value="3" class="w-dyn-bind-empty"></div><div data-feature-value="4" class="w-dyn-bind-empty"></div><div data-card-el="name">Startup No Credit Check – OpenSky</div><div data-card-el="badge">Best for secured credit</div><div data-card-el="slug">no-credit-check-opensky</div><div data-card-el="card-title">OpenSky Secured Visa Credit Card</div><div data-card-el="g2Score" class="w-dyn-bind-empty"></div><div data-card-el="g2Link" class="w-dyn-bind-empty"></div><div data-card-el="details-label" class="w-dyn-bind-empty"></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11ffc757218a7a1090e6b_7cb26200-bdbc-11ed-b5f1-9954c274724b.webp" loading="lazy" alt=""/><div data-card-el="use-logo-images" class="w-condition-invisible"></div><div data-card-el="details" class="w-richtext"><ul role="list"><li>Secured credit card that requires a refundable security deposit</li><li>The security deposit acts as the credit line</li><li>No bank account or credit check is required to qualify</li><li>Money can be funded through online banking, money order, or Western Union</li></ul></div><div data-card-el="pros" class="w-richtext"><p><strong>Pros:</strong></p><ul role="list"><li>Doesn't require a credit check for approval</li><li>Reports to the credit bureaus to help build your credit score</li><li>Access to credit education and financial management tools</li></ul></div><div data-card-el="cons" class="w-richtext"><p><strong>Cons:</strong></p><ul role="list"><li>Annual fee required</li><li>Higher interest rates compared to some other unsecured cards</li><li>No rewards program or cashback incentives</li><li>Limited benefits beyond credit building</li></ul></div><a card-compare-el="slug" href="#" class="w-inline-block"></a></div></div></div></div><div class="hidden"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div id="startup-credit-ramp" class="featured-card"><div class="featured-card__top"><div class="featured-card__top-main"><div class="caption-22 c-text--light--hushed w-dyn-bind-empty"></div><div class="mt-16 mb-24"><h2 class="h3-22">Ramp Business Credit Card</h2></div><div><div class="get-ramp-form-22 w-form"><form method="get" class="get-ramp-form-22__inner" data-get-started-form="true" name="email-form" data-name="Email Form" cvr-component="" data-low-intent-form-id="" discovery-method-details="" id="email-form" data-allow-personal-emails="" discovery-method="" data-wf-page-id="64638e12b3757911c3b85ef2" data-wf-element-id="34b04e38-a09f-f782-ab45-1d635615a1fc"><div class="spacer-8"><div class="get-ramp-form-23__input-wrapper"><input class="get-ramp-form-23__email-input w-node-_34b04e38-a09f-f782-ab45-1d635615a1ff-5615a1fb w-input" maxlength="256" name="Email" data-name="Email" placeholder="What's your work email?" type="email" id="Email-2" required=""/><input type="submit" data-wait="Please wait..." data-cta-element="cta-button" class="w-button get-ramp-form-23__submit button-loud" value="Get started for free"/></div><div class="text-center-md"><div data-form-element="error-message" class="get-ramp-error-msg-22">Error Message</div><div data-form-element="credit-check-message" class="no-credit-checks-22"> </div></div></div></form><div class="w-form-done"><div>Thank you! Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/674415ef7243caf6cee10dcf_ramp-corporate-card%20(1).webp" loading="lazy" alt="" class="featured-card-top__image"/></div><div class="featured-card__center"><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc2-c3b85ef2"><div class="body-22 mb-4">Annual Fee</div><div class="body-22 c-text--light--hushed">$0</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc7-c3b85ef2"><div class="body-22 mb-4">APR</div><div class="body-22 c-text--light--hushed">N/A</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bcc-c3b85ef2"><div class="body-22 mb-4">Foreign Transaction Fees</div><div class="body-22 c-text--light--hushed">$0</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd1-c3b85ef2"><div class="body-22 mb-4">Rewards</div><div class="body-22 c-text--light--hushed">Cashback</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd6-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bdb-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div></div><div class="featured-card__bottom"><div data-current="Tab 2" data-easing="ease" data-duration-in="300" data-duration-out="100" class="w-tabs"><div class="flex flex-cgap-16 flex-rgap-8 flex-wrap w-tab-menu"><a data-w-tab="Tab 1" class="card-compare__tab w-inline-block w-tab-link"><div>Pros & cons</div></a><a data-w-tab="Tab 2" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link w--current"><div>Why we like it</div></a><a data-w-tab="Tab 3" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link"><div>Product details</div></a></div><div class="mt-24 w-tab-content"><div data-w-tab="Tab 1" class="w-tab-pane"><div class="flex flex-cgap-40 flex-astart"><div class="new-blog-post featured-card__pros w-richtext"><ul role="list"><li><strong>Higher credit limits:</strong> Ramp offers credit limits up to 30 times higher than traditional business credit cards. That’s because Ramp bases your credit limit on factors like revenue and dollars raised rather than just your business credit score.</li><li><strong>Flexible ways to qualify:</strong> Ramp uses connections to some of the biggest commerce platforms in the industry, including Stripe, Shopify, and Amazon, to <a href="#">underwrite credit limits</a> for startups using their sales data. Your business only needs a year of sales history on commerce platforms to be evaluated, allowing you to unlock growth for your startup faster.</li><li><strong>Exclusive partner rewards:</strong> Ramp cardholders can access <a href="https://ramp.com/perks">over $350,000 in rewards</a> from a massive list of partners. Get exclusive discounts, credits, and other perks for business essentials like UPS, Amazon Business, AWS, and QuickBooks, plus SaaS providers like OpenAI, Notion, HubSpot, and more.</li><li><strong>Simpler spend control:</strong> Enforce your company <a href="https://ramp.com/blog/expense-policy-best-practices">expense policy</a> with custom spend controls. Ramp lets you set vendor, category, and transaction limits at the individual card level and automatically flags any suspicious or out-of-policy spending.</li><li><strong>More than just a business credit card:</strong> When you qualify for Ramp’s business credit card, you get access to a <a href="https://ramp.com/platform">full suite of finance tools</a>. Advanced expense management features, financial reporting, accounting integrations, corporate travel booking, and accounts payable automation are all part of the package.</li></ul></div><div class="new-blog-post featured-card__cons w-richtext"><li><strong>Eligibility</strong>: Only available to corporations, LLCs, or LPs; sole proprietors are ineligible.</li><li><strong>US operations</strong>: Requires primary operations and corporate spending to be within the US, although international purchases are allowed without foreign transaction fees.</li><li><strong>Balance transfers</strong>: Balance transfers ar not supported.</li><p>‍</p></div></div></div><div data-w-tab="Tab 2" class="w-tab-pane w--tab-active"><div class="new-blog-post w-dyn-bind-empty w-richtext"></div></div><div data-w-tab="Tab 3" class="w-tab-pane"><div class="w-dyn-bind-empty w-richtext"></div></div></div></div></div></div></div><div role="listitem" class="w-dyn-item"><div id="startup-credit-brex" class="featured-card"><div class="featured-card__top"><div class="featured-card__top-main"><div class="caption-22 c-text--light--hushed w-dyn-bind-empty"></div><div class="mt-16 mb-24"><h2 class="h3-22">Brex Corporate Card</h2></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6744acd3be2300ef7a11fbe4_brex-corporate-card-for-startups-08213265c.webp" loading="lazy" alt="" class="featured-card-top__image"/></div><div class="featured-card__center"><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc2-c3b85ef2"><div class="body-22 mb-4">Annual Fee</div><div class="body-22 c-text--light--hushed">$0</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc7-c3b85ef2"><div class="body-22 mb-4">APR</div><div class="body-22 c-text--light--hushed">N/A</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bcc-c3b85ef2"><div class="body-22 mb-4">Foreign Transaction Fees</div><div class="body-22 c-text--light--hushed">N/A</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd1-c3b85ef2"><div class="body-22 mb-4">Rewards</div><div class="body-22 c-text--light--hushed">Points</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd6-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bdb-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div></div><div class="featured-card__bottom"><div data-current="Tab 2" data-easing="ease" data-duration-in="300" data-duration-out="100" class="w-tabs"><div class="flex flex-cgap-16 flex-rgap-8 flex-wrap w-tab-menu"><a data-w-tab="Tab 1" class="card-compare__tab w-inline-block w-tab-link"><div>Pros & cons</div></a><a data-w-tab="Tab 2" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link w--current"><div>Why we like it</div></a><a data-w-tab="Tab 3" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link"><div>Product details</div></a></div><div class="mt-24 w-tab-content"><div data-w-tab="Tab 1" class="w-tab-pane"><div class="flex flex-cgap-40 flex-astart"><div class="new-blog-post featured-card__pros w-richtext"><li><strong>Global reach</strong>: Supports multi-currency transactions and card acceptance in over 200 countries.</li><li><strong>Credit flexibility</strong>: Determines credit limits based on business performance instead of personal credit scores.</li><li><strong>Rewards program</strong>: Offers points on key spending categories with flexible redemption options.</li><li><strong>Expense management</strong>: Provides automated tools for tracking and managing expenses.</li><li><strong>No personal guarantee</strong>: Does not require a personal guarantee for approval.</li><li><strong>Partner perks</strong>: Includes discounts on business services and products.</li><p>‍</p></div><div class="new-blog-post featured-card__cons w-richtext"><ul role="list"><li><strong>US-based businesses</strong>: Only available to companies with primary operations in the US.</li><li><strong>No cashback option</strong>: Rewards are points-based without direct cash-back functionality.<strong>‍</strong></li><li><strong>Cash balance requirement</strong>: Requires a minimum cash balance of $50,000 for funded businesses, though this may vary based on referrals or other factors.</li></ul></div></div></div><div data-w-tab="Tab 2" class="w-tab-pane w--tab-active"><div class="new-blog-post w-dyn-bind-empty w-richtext"></div></div><div data-w-tab="Tab 3" class="w-tab-pane"><div class="w-dyn-bind-empty w-richtext"></div></div></div></div></div></div></div><div role="listitem" class="w-dyn-item"><div id="startup-credit-bill" class="featured-card"><div class="featured-card__top"><div class="featured-card__top-main"><div class="caption-22 c-text--light--hushed w-dyn-bind-empty"></div><div class="mt-16 mb-24"><h2 class="h3-22">BILL Divvy Corporate Card</h2></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3.png" loading="lazy" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3-p-500.png 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/65f11daa80db38726d5d4903_Bill_3.png 536w" class="featured-card-top__image"/></div><div class="featured-card__center"><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc2-c3b85ef2"><div class="body-22 mb-4">Annual Fee</div><div class="body-22 c-text--light--hushed">$0</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc7-c3b85ef2"><div class="body-22 mb-4">APR</div><div class="body-22 c-text--light--hushed">N/A</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bcc-c3b85ef2"><div class="body-22 mb-4">Foreign Transaction Fees</div><div class="body-22 c-text--light--hushed">Up to 0.9%</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd1-c3b85ef2"><div class="body-22 mb-4">Rewards</div><div class="body-22 c-text--light--hushed">Cashback</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd6-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bdb-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div></div><div class="featured-card__bottom"><div data-current="Tab 2" data-easing="ease" data-duration-in="300" data-duration-out="100" class="w-tabs"><div class="flex flex-cgap-16 flex-rgap-8 flex-wrap w-tab-menu"><a data-w-tab="Tab 1" class="card-compare__tab w-inline-block w-tab-link"><div>Pros & cons</div></a><a data-w-tab="Tab 2" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link w--current"><div>Why we like it</div></a><a data-w-tab="Tab 3" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link"><div>Product details</div></a></div><div class="mt-24 w-tab-content"><div data-w-tab="Tab 1" class="w-tab-pane"><div class="flex flex-cgap-40 flex-astart"><div class="new-blog-post featured-card__pros w-richtext"><li><strong>No personal guarantee</strong>: Does not require a personal guarantee for approval.</li><li><strong>Rewards program</strong>: Offers a points-based rewards system for eligible purchases.</li><li><strong>Expense management tools</strong>: Includes built-in expense tracking and budgeting features.</li><li><strong>No annual fee</strong>: Provides access without an annual fee.</li><p>‍</p></div><div class="new-blog-post featured-card__cons w-richtext"><li><strong>US residency requirement</strong>: Only available to businesses based in the US.</li><li><strong>Credit reporting</strong>: Does not report to personal credit bureaus.</li><li><strong>Card type</strong>: Functions as a charge card, requiring full payment each billing cycle.</li><li><strong>Limited redemption options</strong>: Rewards may have fewer redemption categories compared to other cards.</li><p>‍</p></div></div></div><div data-w-tab="Tab 2" class="w-tab-pane w--tab-active"><div class="new-blog-post w-dyn-bind-empty w-richtext"></div></div><div data-w-tab="Tab 3" class="w-tab-pane"><div class="w-dyn-bind-empty w-richtext"></div></div></div></div></div></div></div><div role="listitem" class="w-dyn-item"><div id="startup-credit-opensky" class="featured-card"><div class="featured-card__top"><div class="featured-card__top-main"><div class="caption-22 c-text--light--hushed w-dyn-bind-empty"></div><div class="mt-16 mb-24"><h2 class="h3-22">OpenSky Secured Visa Credit Card</h2></div></div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6744aa6af06466a0a8286693_opensky.webp" loading="lazy" alt="" sizes="100vw" srcset="https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6744aa6af06466a0a8286693_opensky-p-500.webp 500w, https://cdn.prod.website-files.com/5f8dd056c51c1d6ddceaa499/6744aa6af06466a0a8286693_opensky.webp 792w" class="featured-card-top__image"/></div><div class="featured-card__center"><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc2-c3b85ef2"><div class="body-22 mb-4">Annual Fee</div><div class="body-22 c-text--light--hushed">$35</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bc7-c3b85ef2"><div class="body-22 mb-4">APR</div><div class="body-22 c-text--light--hushed">25.64% variable</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bcc-c3b85ef2"><div class="body-22 mb-4">Foreign Transaction Fees</div><div class="body-22 c-text--light--hushed">3.3%</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd1-c3b85ef2"><div class="body-22 mb-4">Rewards</div><div class="body-22 c-text--light--hushed">N/A</div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bd6-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div><div id="w-node-_76304237-08d7-f39b-0387-4b08caf06bdb-c3b85ef2" class="w-condition-invisible"><div class="body-22 mb-4 w-dyn-bind-empty"></div><div class="body-22 c-text--light--hushed w-dyn-bind-empty"></div></div></div><div class="featured-card__bottom"><div data-current="Tab 2" data-easing="ease" data-duration-in="300" data-duration-out="100" class="w-tabs"><div class="flex flex-cgap-16 flex-rgap-8 flex-wrap w-tab-menu"><a data-w-tab="Tab 1" class="card-compare__tab w-inline-block w-tab-link"><div>Pros & cons</div></a><a data-w-tab="Tab 2" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link w--current"><div>Why we like it</div></a><a data-w-tab="Tab 3" class="card-compare__tab w-inline-block w-condition-invisible w-tab-link"><div>Product details</div></a></div><div class="mt-24 w-tab-content"><div data-w-tab="Tab 1" class="w-tab-pane"><div class="flex flex-cgap-40 flex-astart"><div class="new-blog-post featured-card__pros w-richtext"><li><strong>No credit check</strong>: Approval does not require a credit check.</li><li><strong>Flexible funding</strong>: Can be funded using a bank account or money order.</li><li><strong>Credit building</strong>: May assist in establishing or improving business credit.</li><p>‍</p></div><div class="new-blog-post featured-card__cons w-richtext"><li><strong>No rewards</strong>: Does not include a rewards program.</li><li><strong>Security deposit</strong>: Requires a cash deposit as collateral.</li><li><strong>Credit limit</strong>: Line of credit is determined by the security deposit amount.</li><li><strong>Annual fee</strong>: Includes an annual fee for card use.</li><li><strong>High APR</strong>: Features a relatively high annual percentage rate.</li><p>‍</p></div></div></div><div data-w-tab="Tab 2" class="w-tab-pane w--tab-active"><div class="new-blog-post w-dyn-bind-empty w-richtext"></div></div><div data-w-tab="Tab 3" class="w-tab-pane"><div class="w-dyn-bind-empty w-richtext"></div></div></div></div></div></div></div></div></div></div></div><div class="page-footer"><div class="contain-22"><div class="footer-top-links"><a id="w-node-fe6c0180-9ea3-1818-2e12-c2a72ffcaaa4-ea1092bf" href="/about-us" class="footer-box-title-22 no-margin">About us</a><a id="w-node-b5faf1ac-d7be-e90f-ba0b-7b77ef00f726-ea1092bf" href="/why-ramp" class="footer-box-title-22 no-margin">Why Ramp</a><a id="w-node-fe6c0180-9ea3-1818-2e12-c2a72ffcaaa6-ea1092bf" href="/careers" class="footer-box-title-22 no-margin">Careers</a><a href="/emerging-talent" class="footer-box-title-22 no-margin">Emerging talent</a><a 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href="/business-expense-cards" class="footer-link-22">Business expense cards</a></div></div></div></div><div class="mt-48"><div class="footer__cta"><div class="py-48 py-sm-32"><div class="footer__cta-grid"><div id="w-node-d4f98ff3-41df-30f9-a800-716e6a732102-ea1092bf" class="flex flex-col flex-rgap-16"><div><img src="https://cdn.prod.website-files.com/5f8dd056c51c1d04c3eaa497/627d472663cadd5a40d9f84b_ramp-wordmark-darkgrey.svg" loading="lazy" width="96" height="26" alt=""/></div><div id="w-node-d4f98ff3-41df-30f9-a800-716e6a732103-ea1092bf" class="vertical__8"><div class="detail-22 c-text--light--hushed">Ramp Business Corporation<br/>28 West 23rd Street, Floor 2<br/>New York, NY 10010</div></div></div><div id="w-node-d91b4cb5-68fd-2e8c-f4c7-5fb9b7a39562-ea1092bf" class="footer__cta-title"><div class="h4-22">Join the 25,000+ businesses simplifying their finances with Ramp</div></div><div id="w-node-dd98a453-1258-c5bf-cdae-0d391bcde3a5-ea1092bf" class="footer__cta-form"><div 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Your submission has been received!</div></div><div class="w-form-fail"><div>Oops! Something went wrong while submitting the form.</div></div></div></div></div></div></div><div class="hidden"></div></div><div class="mt-24"><div class="footer__cta-grid align-top"><div id="w-node-_2d30016b-8a62-27ee-a2fc-274c2aca7d0e-ea1092bf" class="footer__disclaimer"><div class="c-text--light--hushed"><div class="vertical__8"><div id="w-node-d4f98ff3-41df-30f9-a800-716e6a732115-ea1092bf" class="detail-22">© 2024 Ramp Business Corporation. “Ramp” and the Ramp logo are registered trademarks of the company.<br/></div><div id="w-node-_3901082e-ceee-35b8-9284-dc9f6c914a39-ea1092bf" class="detail-22">California Residents: +1-855-206-7283<br/></div><div class="detail-22">The Ramp Visa Commercial Card and the Ramp Visa Corporate Card are issued by Sutton Bank and Celtic Bank (Members FDIC), respectively pursuant to license from Visa USA Inc. Visa is a registered trademark of Visa International Service Association. All other trademarks and service marks belong to their respective owners.<br/></div><div id="w-node-d7cd91ef-57bf-6914-a59c-a4290b79e866-ea1092bf" class="detail-22">Cashback is subject to the Ramp Rewards <a href="https://ramp.com/legal/rewards-terms">Terms of Service.</a><br/></div><div data-anchor-target="disclaimer" id="w-node-_472b0d09-73e1-97f9-2d2d-7673d71704be-ea1092bf" class="detail-22">1. We calculate average savings as a percentage of an illustrative customer's total card spending when using Ramp features designed to reduce business expenses. Keep in mind that this percentage is an estimate, not a guarantee. Ramp delivers savings from more than just card spending; savings can also come from non-card expenses so we may factor decreases to non-card spending into our calculation. For example, savings may result from reduced time spent on manual expense tracking, the financial benefit of cash back or other rewards, smarter expense monitoring, and eliminating costs associated with alternative solutions. Our calculations are based on platform data, industry research, customer surveys, and info on alternative options. Your actual savings may vary.</div><div class="detail-22">Please visit our <a href="https://ramp.com/legal/platform-agreement">Terms of Service</a> for more details. 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