Nav Credit Builder Card: Your business credit stack is getting an upgrade

Nav Credit Builder Card: Your Business Credit Stack Is Getting an Upgrade

Your business credit stack is getting an upgrade

Life isn’t all about money, but small business success is. Business credit gives you leverage to help stretch your dollars, bridging gaps between when you need to pay up versus when you get paid, so you can keep moving and scaling.

As you look to lean on business credit as a tool, you’ll likely face this age-old problem: You need credit to get credit. The path to start building credit is often challenging, lined with small dollar amounts and short payback periods. 

At Nav, everything we do is in service of getting you ready for your business goals as safely and quickly as possible. Nav Prime is designed to be your supercharged business credit-building companion. That’s why we built the first version of the Nav Prime Card — it was an innovative way to get business credit in the hands of owners who didn’t have business credit history yet, without requiring a personal guarantee.

As you used the Nav Prime Card, you let us know all about the good and the bad. You loved that it helped you build business credit with the major bureaus faster and with lower barriers, but the one-day payback period and dynamic credit limit were unpredictable, making it hard to handle and plan for. We hear you, and that’s why we’re coming back with a better card.

This summer, Nav Prime Build and Expand members will be the first to meet the Nav Credit Builder Card.¹ It’s a major upgrade from its previous version, featuring what you loved about the former card, and more of what you were asking for. 

Like the previous version, the new Nav Credit Builder Card has no business or personal credit checks, and comes without a personal guarantee requirement. It still reports to all the major business credit bureaus, designed to help you build business credit history.¹ 

Now, it also features flexible repayment options with no compound interest: pay your statement balance within 7 days of statement closing without a fee, or pay a fixed fee when choosing extended repayment.² In addition to extended repayment periods to help you more effectively manage your money flows, it comes with cash-back rewards³ as one of the only credit-building cards of its kind to do so.

Small business owners deserve a top-of-wallet card that helps them build business credit on their terms. It’s hard for traditional institutions to provide this. Just know that we come to work every day to break down those barriers for you, and the new Nav Credit Builder Card is the latest way we’re helping you leverage business credit to build the business of your dreams.

The Nav Credit Builder Card spec sheet

How it works

Built for small businesses, the Nav Credit Builder Card offers flexible repayment options that let you control how you repay. You can choose to pay off the entire statement balance within seven days of statement closing without incurring a fee, or choose to repay over time for a fee.² Whichever one you choose, you’ll earn 1% cash back³ on your spending.

Your credit limit on the card is based on your revenue and is regularly reviewed and adjusted as your revenue changes, giving you ongoing flexibility and support as your business grows.

Highlights of the card include:

• No impact to your personal credit score to apply
• No security deposit
• Eligibility is based on revenue and other underwriting criteria
• Submit payment activity as a tradeline to Experian, Equifax, and Dun & Bradstreet (D&B).¹ 
• Earn cash-back rewards.³
• Flexible repayment options; instead of compound interest, a fixed fee applies when choosing extended repayment.²

When is the new Nav Credit Builder Card available?

The waitlist is open now, and we’ll reach out when the Nav Credit Builder Card is accepting applications. Applications are expected to open for Nav Prime members only (Build and Expand tiers) in June 2026.