Can You Use an EIN to Get a Credit Card?

Yes, it is possible to use an Employer Identification Number (EIN) to apply for a credit card. However, it depends on the credit card issuer’s policy and the requirements for obtaining a credit card.

In some cases, credit card companies may require a personal guarantee or a personal credit check before approving a credit card application that uses an EIN. This means that if the business does not have an established credit history, the credit card issuer may look at the personal credit of the business owner or other principals to assess creditworthiness.

Additionally, the credit limit and terms of the credit card may be lower or less favorable than if the applicant had applied with a personal social security number.

It is recommended to research the requirements of the credit card issuer and compare different credit card options before applying with an EIN.