VERIFIED FOR NEW JERSEY
Get a business credit card in New Jersey
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 New Jersey
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 |
|---|---|---|---|
PNC |
Bank | Online | Verified 2026-09-24 |
Citizens Bank |
Bank | Online | Verified 2026-09-14 |
Truist |
Bank | Online | Verified 2026-09-14 |
First Commerce Bank |
Bank, cards by Elan | Online | Verified 2026-09-14 |
1st Bergen Federal Credit Union Membership: Membership is available to all New Jersey organizations that are headquartered or primarily operate in Bergen County, NJ (also extended to all New Jersey Community Action Partnership organizations). |
Credit union | Online | Verified 2026-09-14 |
Affinity Federal Credit Union Membership: Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members (or a one-time $5 donation to the Affinity Foundation for those who don't otherwise qualify). |
Credit union | Online | Verified 2026-09-14 |
PNC
Citizens Bank
Truist
First Commerce Bank
1st Bergen Federal Credit Union
Membership: Membership is available to all New Jersey organizations that are headquartered or primarily operate in Bergen County, NJ (also extended to all New Jersey Community Action Partnership organizations).
Affinity Federal Credit Union
Membership: Membership at Affinity is available to the employees of participating businesses, as well as immediate family or household members (or a one-time $5 donation to the Affinity Foundation for those who don't otherwise qualify).
See which bank to apply to first in New Jersey
Our funding plan puts these banks in the order that protects your credit.
WORKS FROM ANYWHERE
National issuers that work from New Jersey
| 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 New Jersey?
We show you which of these banks to apply to, and in what order.
Get your funding plan