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Get matched to business credit cards before you apply

Skip unnecessary hard credit checks. Nav uses your business profile to match you to top credit card options — without impacting your credit score.

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Nav Prime dashboard displayed on laptop and mobile screens showing credit scores, account balance, and business setup progress.
Nav Prime Card with Winston Design Co. branding, featuring a dark blue geometric pattern and chip, placed on a purple and blue gradient background

Nav Prime Card

Build business credit history with every swipe

Spend up to your daily limit on anything — from team tacos to Instagram ads — and build business credit history.¹

  • No credit check, security deposit, or personal guarantee required
  • Adds a second tradeline from Nav if approved
  • Charge card with 0% APR

Nav Technologies, Inc is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. The Nav Prime charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank. With regard to credit history building features: results will vary, some users may not see improved scores – improvement not guaranteed. Scores are calculated from many variables. The Nav Prime Charge Card is a business financing product and may not be used for personal, family or household transactions.

How the Nav Prime Card works

  • Nav Prime Card displayed on mobile screen with payment setup and contactless payment prompt

    Spend

    Spend up to your daily credit limit on whatever your business needs — with 0% APR.

  • Close-up of a Nav Prime Card setup for autopay linked to a Business Checking account

    Pay

    Repay at the end of each day from your linked account. Set up autopay to make it easier.

  • Transaction list showing recent purchases: Restaurant Supply Co., Utility bill, and Grocers

    Build

    The more you use the card, the more business credit history you build with the major bureaus.

  • Tradeline notification submitted to Dun & Bradstreet, Equifax, and Experian for reporting

    Repeat

    Continue to spend responsibly and repay on time. Check progress in your Credit Health dashboard.

Nav Technologies, Inc is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. The Nav Prime charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank. With regard to credit history building features: results will vary, some users may not see improved scores – improvement not guaranteed. Scores are calculated from many variables. The Nav Prime Charge Card is a business financing product and may not be used for personal, family or household transactions.

Why customers love the Nav Prime Card

Meet the small business owners who are redefining their business journey with Nav.

“Seeing that business credit grow through Prime and having that line of credit with the Nav Prime Card is huge.”

Ryan L.

BCK RANCH

“Where else do you get to build [business] credit with your daily purchases? I used my Nav Prime Card to make net-30 purchases with other companies, which enabled me to get double credit — literally.”

Stephen

NAV PRIME MEMBER

Build business credit history with everyday expenses

Unlike other tradelines, you can use the Nav Prime Card on anything your business needs.

Mobile app screen showing transaction and repayment history with a $14.99 payment to Nav Prime Card and a dining purchase at Bodacious Burritos, over a background of a grilled wrap on a red plate
Mobile app interface showing $800 available to spend, $200 in purchases, and a $1,000 daily credit limit, displayed over a background of fresh, colorful meals with avocados, limes, and vegetables

AUTOMATIC TRADELINES

Avoid big bank requirements

Banks often have a laundry list of expectations for applicants. We believe every business owner should have the chance to grow.

  • No revenue minimums
  • No time in business requirements
  • No personal credit check
  • No security deposit

The credit platform small business owners call home

Getting credit reports elsewhere would cost you 4x more each month.²

  • Track

    $39.99

    / mo

    For new business owners looking to monitor credit, or established ones who want to protect it

    Track with Prime
    • check

      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

    • check

      One tradeline to build business credit (membership payment)

  • Build

    Popular

    $49.99

    / mo

    For growing business owners looking to build business credit¹ with up to two tradelines

    Build with Prime
    • check

      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

    • check

      One tradeline to build business credit (membership payment)

    • check

      Second tradeline to build business credit history (Nav Prime Card)3

    • check

      Bookkeeping tools to manage cash flow and simplify taxes

  • Expand

    $74.99

    / mo

    For business owners seeking one-on-one guidance from an expert to reach their next level

    Expand with Prime
    • check

      5 credit scores, alerts, and reports from D&B, Experian, Equifax, and TransUnion

    • check

      One tradeline to build business credit (membership payment)

    • check

      Second tradeline to build business credit history (Nav Prime Card)3

    • check

      Bookkeeping tools to manage cash flow and simplify taxes

    • check

      Dedicated business credit coach

    • check

      FICO SBSS score to track eligibility with 7,500+ lenders — and the SBA

Enhance the tools you need to reach your business credit goals with confidence.

Detailed credit reports

Access your full credit details

Get the inside scoop to see what lenders, clients, and partners see. 

Credit score summary showing ratings from Dun & Bradstreet, Experian, Equifax, and FICO SBSS with performance bars and numerical scores

Key factors

Make the right moves

Explore the key factors impacting your credit scores like payment history and outstanding balance.

Credit health summary showing status of payment history as Excellent, credit utilization as Needs work, and Nav Prime tradeline as Submitted

Credit trends

See your credit progress over time

Know where you stand and celebrate the milestones that help your business grow.

Credit rating summary showing D&B and FICO SBSS as Excellent, Equifax and Experian as Good, displayed above a line graph of credit trends

Frequently asked questions

Unlock your credit scores

Get free report summaries or access detailed credit reports and more with Nav Prime. Just enter your basic business details.

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