Nav Prime Card VerifiedOnly with Nav Prime

Build credit history with what you’re already buying

Skip the bulk paper towel orders. Use your card for any business expense to build business and personal credit history at the same time.

Get the card with Nav Prime

How it works

Meet the Nav Prime Card

Swipe to establish business and personal credit history together — with 0% APR.

Apply with Nav Prime

Spend
Spend up to your daily credit limit on whatever your business needs — with 0% APR.
Pay
Repay at the end of each day from your linked account. Set up autopay to make it easier.
Build
The more you use the card, the more credit history you build with the major bureaus.
Repeat
Continue monthly to keep building. Check your 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.

Nav Prime Card with a notification reading 'Tradeline submitted to Dun & Bradstreet, Equifax, Experian' shown over a background of a person receiving a manicure

Personal Credit REPORTING VerifiedNew

Work on two goals at once

You now have the option to build business and personal credit history with the same card. No extra fees, just extra perks.

Automatic Tradelines

Turn team lunches into tradelines

Move past tradelines that restrict purchases (and charge random fees). Use the Nav Prime Card on anything your business needs, from coffee to ballpoint pens — 1 card, 2 tradelines.¹

Transaction section showing a transaction and repayment for the Nav Prime Card with paid status indicator

Available spending amount displayed on the screen with a nail polish rack in the background

Simple application

Avoid big bank requirements

Keep it simple with:

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

daily repayments

Set up automatic payments

Toggle on autopay to easily manage your money, while also reducing the chance of missing a payment (a top credit-building requirement).

Nav Prime Card automatic payments being showcased over a background of the interior of a nail salon

Why customers love the Nav Prime Card

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

What Nav is doing with the personal credit feature at the same price... it's a no brainer.

Yizreel T.

SPMG AUTOMOTIVE INTERNATIONAL

“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

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

Ryan L.

BCK RANCH