VERIFIED FOR CALIFORNIA
Get a business credit card in California
See the banks, credit unions, and national issuers that offer one, and which to apply to first.
Free to look. No credit check.
LOCAL OPTIONS
Local banks and credit unions in California
Verified means we checked the bank's own website on that date. Click the date to see the page.
| Name | Type | How to apply | Verified |
|---|---|---|---|
Bank of America |
Bank | Online | Verified 2026-09-24 |
US Bank |
Bank | Online | Verified 2026-09-24 |
PNC |
Bank | Online | Verified 2026-09-24 |
Citizens Bank |
Bank | Online | Verified 2026-09-14 |
First Citizens |
Bank | Online | Verified 2026-09-24 |
Bank of Hope |
Bank, cards by Elan | Online | Verified 2026-09-14 |
Mokelumne Federal Credit Union Membership: Serving San Joaquin County (branches in Stockton and Lodi, CA). |
Credit union | Online | Verified 2026-09-14 |
California Credit Union Membership: Membership is open to: any immediate family, spouse, partner or household member of a California Credit Union member; any employee, retiree (pensioner or annuitant) or unpaid volunteer of a Partner Organization; or, if none of the above apply, membership in the (complimentary) American Consumer Council. |
Credit union | Visit a branch | Verified 2026-09-14 |
CEFCU Membership: A U.S. Citizen, or resident alien, who is at least 18 years of age, and meets ONE of the following qualifications [including residency/employment in listed Illinois counties: Bond, Champaign, Christian, Clinton, DeWitt, Douglas, Ford, Fulton, Iroquois, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Piatt, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Vermilion, Washington, and Woodford; or Alameda, Contra Costa, and Santa Clara, California]. |
Credit union | Online | Verified 2026-09-14 |
Bank of America
US Bank
PNC
Citizens Bank
First Citizens
Bank of Hope
Mokelumne Federal Credit Union
Membership: Serving San Joaquin County (branches in Stockton and Lodi, CA).
California Credit Union
Membership: Membership is open to: any immediate family, spouse, partner or household member of a California Credit Union member; any employee, retiree (pensioner or annuitant) or unpaid volunteer of a Partner Organization; or, if none of the above apply, membership in the (complimentary) American Consumer Council.
CEFCU
Membership: A U.S. Citizen, or resident alien, who is at least 18 years of age, and meets ONE of the following qualifications [including residency/employment in listed Illinois counties: Bond, Champaign, Christian, Clinton, DeWitt, Douglas, Ford, Fulton, Iroquois, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Piatt, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Vermilion, Washington, and Woodford; or Alameda, Contra Costa, and Santa Clara, California].
See which bank to apply to first in California
Our funding plan puts these banks in the order that protects your credit.
WORKS FROM ANYWHERE
National issuers that work from California
| Name | Type | How to apply | Verified |
|---|---|---|---|
American Express |
Bank | Online | Verified 2026-09-14 |
Chase |
Bank | Online | Verified 2026-09-24 |
Wells Fargo |
Bank | Online | Verified 2026-09-24 |
Navy Federal CU Membership: Our field of membership is open to the armed forces, the DoD, veterans and their families. |
Credit union | Online | Verified 2026-09-14 |
Elan Financial (white-label) |
Bank, cards by Elan | Online | Verified 2026-09-14 |
Service Credit Union Membership: Members of the American Consumer Council (Not a member? Visit the ACC online and join for free with promo code "Service") |
Credit union | By phone | Verified 2026-09-14 |
American Express
Chase
Wells Fargo
Navy Federal CU
Membership: Our field of membership is open to the armed forces, the DoD, veterans and their families.
Elan Financial (white-label)
Service Credit Union
Membership: Members of the American Consumer Council (Not a member? Visit the ACC online and join for free with promo code "Service")
NEXT STEPS
How to use this list
1
Pick a local bank or credit union above and open a business checking account.
2
Some banks want your deposit to sit for a few weeks before you apply. Ask when you open the account.
3
Apply for the card. If you already bank with a national issuer, ask them first.
QUESTIONS
Common questions
No. National issuers apply online from anywhere. Local banks and credit unions on this page may need a branch visit or a home address in their service area.
Only if you meet its membership rule, shown in the table above. Most credit unions require you to live, work, or belong to a group in their area.
Yes. Each row shows the date we checked it against the bank's own site. We recheck this list on a schedule and fix anything that changes.
Most card applications add a hard pull. Our issuer application rules page shows which bank pulls which bureau.
See every state, read the full state list, the issuer application rules, or how bureaus track your applications in our credit bureau pull database.
Ready to build a plan for California?
We show you which of these banks to apply to, and in what order.
Get your funding plan