Nav Prime Card VerifiedOnly with Nav Prime

Turn business as usual into building credit history

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.

  • 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 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.

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

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).

No barriers

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

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

Frequently asked questions

JOIN Nav Prime

Get the Nav Prime Card, plus more tools to grow with Nav Prime

Unlock your second Nav tradeline

You’re one short application away.

Join Nav Prime