Credit

Business Credit Cards

Corporate credit built on your EIN — separated from personal.

Typical Approved
$25K – $500K
Intro APR
0% for 9 – 15 months
Turnaround
1 – 4 weeks
What it is

Understanding Business Credit Cards

Business credit cards let your company borrow, spend, and earn rewards without drawing from personal credit. Emison Capital hand-selects business cards that report to commercial credit bureaus (D&B, Experian Business), helping you build a scalable business credit profile that can support larger financing down the road.

How it works

A clear, five-step path to funding

  1. 1

    We assess your business's fundability — entity, EIN, address, revenue, and trade references.

  2. 2

    You receive a card sequence tailored to your business's age and revenue profile.

  3. 3

    Applications are prepared to present the business (not the owner) as the primary borrower.

  4. 4

    As approvals come in, we help set up vendor tradelines to accelerate business credit reporting.

  5. 5

    Ongoing coaching to keep utilization low and reporting positive across all bureaus.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

  • A registered U.S. business entity with a valid EIN.
  • Business bank account matching the legal entity name.
  • A business phone, address, and website (or landing page).
  • Personal guarantor with a FICO score of 680+ (for most cards).
  • Documented business revenue OR strong personal credit profile.
  • Business listed with 411 / directory services (for premium cards).
Ideal for

Common use cases

01

Separate business expenses from personal

02

Build Dun & Bradstreet / Experian Business scores

03

0% intro APR for business purchases and inventory

04

Rewards on ad spend, travel, and supplies

05

Foundation for future commercial financing

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.