Certain modern corporate card issuers and startup-focused financial platforms allow businesses to apply and qualify using only an Employer Identification Number (EIN) without requiring a personal credit check or a personal guarantee. The most prominent example is The Brex Corporate Card, which evaluates a company's underlying cash balances, venture backing, revenue streams, and overall business financial health rather than the founder's personal credit score. Other corporate charge card platforms and specialized tier-one vendor accounts may offer EIN-only tradelines, though traditional major bank business cards typically require a personal guarantee from the business owner.