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Easy approval business credit cards

Find out which business credit cards have easy approval processes

Summary

Business credit cards can make running your business easier and potentially save money if you’re earning rewards. Some business credit cards may be easier to qualify for than others.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Terms apply to the offers listed on this page.

Business credit cards can offer some important benefits for a new or growing business. Not only do you have the convenience of being able to charge necessary expenses but you could also earn rewards while building business credit.

When applying for a business credit card, your credit scores, time in business, revenues and personal income can all come under scrutiny. Some cards may be easier to get approved for than others, especially if you have a lower credit score or you haven’t been in business that long.

If you’re interested in using a credit card to fund your entrepreneurial efforts, it pays to know which business credit cards have the fewest hurdles to approval.

Easiest business credit cards to get

The easiest business credit card to get is ultimately the one that you’re able to qualify for, based on your credit scores, income and any other factors the card issuer considers. With that in mind, here are some of the top picks to consider when applying for business credit cards.

Amex Blue Business Cash

  • Apply and get a decision in as little as 30 seconds
  • $0 annual fee
  • 0% introductory APR on purchases for 12 months from the date of account opening
  • Regular variable APR of 13.24% to 19.24%, based on creditworthiness
  • Earn cash back on purchases
  • Buy above your limit with Expanded Buying Power

Why it’s an easy business credit card to get

The American Express Blue Business Cash™ Card is designed for small business owners who want to earn cash back on purchases without paying an annual fee. This card offers 2% cash back on eligible purchases of up to $50,000 per calendar year, then 1% cash back.

Getting approved for the Amex Blue Business Cash Card could be easy if you have good to excellent credit. You don’t necessarily need to be a big spender, though the more you charge, the more cash back you could earn.

Pro tip: This card offers an introductory welcome bonus for eligible cardmembers who meet the minimum spending requirement.

Capital One Spark Cash Select for Business

  • Build credit while earning cash back for your business
  • Designed for business owners with fair credit
  • Earn unlimited 1% cash back on every purchase, with no caps
  • $0 annual fee
  • Free employee cards
  • 26.99% variable APR for purchases and transfers

Why it’s an easy business credit card to get

The Capital One Spark Cash Select is designed with business owners who are hoping to rebuild credit in mind. This card offers unlimited 1% cash back on purchases with no rotating bonus categories or rewards tiers to worry about.

There’s no annual fee and account activity is reported to the major credit bureaus. Employee cards are free and with responsible use, it may be possible to upgrade to another Capital Spark business card option over time.

Pro tip: There’s no balance transfer fee if you need to transfer a balance to this card.

Brex 30 Card

  • Establish credit history while paying daily or monthly
  • Designed for corporations, limited liability companies (LLCs) and limited liability partnerships (LLC)
  • Earn points on all card spend
  • No personal guarantee required for approval
  • Applying will not impact your personal credit score
  • No fees and no interest

Why it’s an easy business credit card to get

Brex 30 Card offers corporate cards without requiring a personal guarantee, something you may be obligated to agree to with other business credit cards. Applying for the card won’t affect your personal credit score, whether you’re approved or not. And if you are approved, your account activity is reported to the credit bureaus.

There are two card options you can choose from: Brex card paid daily or Brex card paid monthly. Both offer reward points on every purchase, though you’ll get a slightly better rewards ratio with the version that’s paid daily. The monthly pay card, on the other hand, can offer credit limits that are 10 to 20 times higher than traditional corporate cards.

Pro tip: You can’t apply for the Brex card if you operate a business as a sole proprietor or unincorporated partnership or your business is registered outside the U.S.

First National Bank Business Edition Secured

  • Prequalify without impacting your credit score
  • Request your own credit limit between $2,000 and $100,000 when you apply
  • Security deposit required but your deposit earns interest
  • $39 annual fee
  • Variable 20.24% APR on purchases and balance transfers
  • Automatic discounts with Visa SavingsEdge

Why it’s an easy business credit card to get

The First National Bank of Omaha Business Edition Secured Visa Card can help with establishing or rebuilding credit. This card does require a security deposit to open; the required deposit is 110% of your approved credit limit. So if you’re approved for a $10,000 limit initially, your deposit would be $11,000. The maximum credit limit available is $100,000, which would require a $110,000 deposit.

This card doesn’t earn rewards on purchases but you can take advantage of discounts on selected purchases with Visa SavingsEdge. The $39 annual fee is typical of other secured business credit cards and there’s no monthly fee.

Pro tip: Your security deposit is refundable unless you default on your account.

Wells Fargo Business Secured

  • Establish or rebuild business credit
  • $0 annual fee
  • Up to 10 employee cards included
  • Earn cash back or reward points on purchases
  • $500 to $25,000 credit line
  • Wells Fargo periodically reviews your account history to determine whether you’re eligible for an upgrade to a secured card

Why it’s an easy business credit card to get

The Wells Fargo Business Secured Credit Card* is designed for businesses that have little to no business credit history as well as those seeking to overcome past business credit challenges. You may be able to get approved for this card if you’re starting a new business or have an established business.

There is a security deposit required, with a maximum limit of $25,000. You can choose between earning 1.5% cash back on qualifying purchases or one point per dollar spent, plus 1,000 bonus points each billing cycle when you charge at least $1,000.

Pro tip: A Wells Fargo Business Checking or Business Savings Account is required to apply for this card.

How can you speed up approval for a business card?

The best way to speed up approval for a business credit card is to work on improving your credit score. The better your credit history, the easier it may be to get approved for business and personal credit cards alike. A longer time in business and/or higher annual revenues can also work in your favor for faster credit approval.

Raising your credit score can take time, however, so you may need to consider other methods for speeding up business credit card approval. With a secured credit card, offering a larger deposit could help your application to be processed and approved faster. With unsecured business credit cards, pre-qualification may help.

If you’ve received an offer in the mail, for instance, that could be an indicator that a credit card company considers you to be a good candidate for a business credit card. You’d need to complete the full application to find out whether you’re approved, but a pre-qualification or pre-approval could be a positive sign.

One last tip: Ask for reconsideration if you’re denied a business credit card.

Reconsideration simply means asking the credit card company to take a second look at your application. If you can make a strong enough argument as to why your application should be approved, the credit card company may be willing to grant you a business credit card.

Bottom line

Building positive business credit history can make it easier to get approved for credit cards, loans and lines of credit. Applying for an easy approval business credit card is a good place to start if you’re trying to establish or rebuild business credit. Using your card responsibly– in terms of paying on time and maintaining a low balance–can help you to improve your business credit scores over time.

*All information about the Wells Fargo Business Secured Credit Card has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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