A secured business credit card is one that requires a cash deposit. This deposit creates your credit line. For example, if you deposit $1,000, your credit line will be $1,000. Tillful Card’s minimum deposit is $500.
Building business credit just got easier
Step 1: Apply
The easy online application takes less than 3 mins (for most business owners).
Step 2: Activate
Once you're approved, activate your card by making a secured deposit (minimum $500). Your card will be ready to use in less than 5 days.
Step 3: Build Credit
Spend & pay. All on-time payments will be reported monthly to Experian and other CRAs as a financial tradeline.
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Frequently asked questions
Everything you need to know about the Card
How do I qualify for the Tillful Business Credit Card?
To qualify for the Tillful Business Credit Card, your business needs to (1) be incorporated in the US with a valid EIN, (2) be incorporated for a minimum of 3 months, (3) not be in any of the restricted industries specified by Sutton Bank, and (4) have a Tillful Credit Account and be in compliance with all terms and conditions set forth in the Tillful Commercial Credit Agreement.
Why are you asking for my SSN?
We ask for your SSN to verify your identity. We do not use your SSN to pull your personal credit, or for any other reason. There's no personal guarantee or hard pull.
What is a secured credit card?
A secured card functions much like a charge card does. With a secured card you provide a deposit that then becomes your spending limit. Your balance will not be revolving. This means you would need to pay your full balance in order to ensure you have access to your full limit.
Does Tillful do a hard pull?
No, we do not conduct a hard inquiry or hard pull on your personal credit or business credit. Eligibility is based primarily on your company's profile.
Does applying for the card affect my personal credit?
No, applying for and using the Tillful Credit Card does not impact your personal credit. We only report on your business credit.
Can I get more than 1 card under the same credit limit?
No. You only get one physical credit card per account. You may be able to get up to 10 virtual cards which can each have a different card number, expiry date, and CVV.