Easiest Business Credit Cards to Get of 2025
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If you have good or excellent personal credit, most business credit cards should be relatively easy to get. You’ll just need to provide some basic information about your business, like your estimated annual revenue, monthly spending and number of employees (if you have any).
If you personal credit score is below 690, these are your options:
Secured business credit cards usually have no personal credit history or business financial requirements. Instead, you put down cash as a security deposit. These cards will help build your business credit history, but won’t impact your personal credit. See your options.
Fair-credit business cards consider applicants with FICO scores in the fair range (630 to 689), making them more accessible than many other cards. See your options.
Corporate cards are issued based on your business financials, and applications typically don’t require hard credit checks. You’ll typically need a sizable bank account balance and registered business to qualify for these cards, though. See your options.
Secured cards like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® will typically be the easiest credit card for many business owners to get. That card in particular is a great choice for those looking for an easy approval as it offers 1.5% cash back on all purchases — pretty generous rewards for a secured card. And Bank of America may upgrade you to an unsecured card in the future.
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What are the easiest business credit cards to get?
It depends on your personal and business finances.
Bad credit?
Secured business credit cards are the easiest cards to get because they don’t have strict credit score or revenue requirements. Instead, you pay a deposit that serves as your credit limit. Look for a secured card that has low or no fees and reports to Dun & Bradstreet or another major business credit bureau, so you can build business credit as you use it.
Fair credit?
If your personal credit score is above 630 but below 690, your best bet for an easy approval may be a business credit card for fair credit like the Capital One® Spark® Classic for Business. These types of cards will offer you increased spending power, and because they're unsecured, no security deposit is required.
Established business?
If your business has strong revenue or bank balance, you may be able to get a corporate card from a fintech company like Ramp or Brex. These cards don’t require a personal credit check or guarantee, so you can apply with only your business's employer identification number (EIN). Sole proprietors typically can't get corporate cards.
NerdWallet's editorial picks: Easiest business credit cards to get
Easy-to-get business cards typically don't offer rewards as good as those available with good-to-excellent personal credit. But these options can still benefit your business. Even if your focus is approval odds, understanding the benefits of a card can help you make the right choice.
Secured business credit cards
Secured business cards are a good choice for anyone whose goal is to establish business credit but who doesn’t yet qualify for other options. It may be helpful to open a secured personal credit card, too, to begin building your personal credit profile so that you have more options in the future.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America® will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee. We think it's the best secured business credit card available.
Hello Alice Small Business Secured Mastercard®
This card, issued by First National Bank of Omaha (FNBO), offers a lot — no annual fee, an intro APR offer and even a $50 statement credit for new cardholders who spend $1,000 in their first three billing cycles — for just a $500 minimum deposit. You can also earn ongoing rewards, which come in the form of “Hello Alice Points” that you can redeem for various perks (including cash back on eligible purchases) rather than flat-rate cash back.
Valley Bank Visa® Secured Business Credit Card
This secured business credit card has no annual fee and offers 1% cash back on all purchases, plus an intro APR period. Unfortunately, Valley Bank requires cardholders to put down 110% of their desired credit limit — so if you’re seeking a credit line of $1,000, you’ll have to come up with $1,100 at the time of card opening.
Business credit cards for fair credit
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The Capital on Tap Business Credit Card issued by WebBank offers 1.5% cash back on all purchases (and 2% if you set up weekly automatic payments), no annual fee and the potential for a low APR. Two important notes: This card is not available to sole proprietors, which excludes the majority of businesses, and you'll need annual revenue of at least $30,000 to qualify. Learn more and apply.
The Capital One® Spark® Classic for Business is one of the few business credit cards available to sole proprietors with fair credit, and it offers 1% cash back on all purchases. You'll face a high APR, but the card has no annual fee and can be a useful tool to build your business credit score and access a credit line without a security deposit. Read our review.
Corporate cards
The Brex Card is available to well-funded incorporated businesses (you’ll typically need more than $1 million in revenue or equity investment to qualify) and looks at cash flow and revenue, rather than the business owner's personal credit history, to determine creditworthiness. If approved for a Brex Card, you’ll get instant access to your virtual card number and can issue virtual cards for employees as well. The Brex Card also earns rewards and doesn't require a personal guarantee. Learn more and apply.
The Ramp Card is a corporate charge card available to registered businesses that have strong revenue and at least $25,000 in a business bank account. There's no personal guarantee or credit check and you get built-in expense management and card-level spending controls. The Ramp Card has no annual fee and offers cash back on qualified purchases, but the actual reward rate varies by business. Learn more and apply.
The BILL Divvy Corporate Card requires good to very good personal credit to qualify. However, BILL also considers other qualifications like cash balances, and its threshold for those — typically at least $20,000 — is relatively low, which might make this card easy to get compared to other corporate cards. It's also the rare corporate card that's available to sole proprietors. Learn more and apply.
BILL Divvy Corporate Card
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How to get approved for a business credit card
The first step toward getting a business credit card is making sure your personal credit is in order. Why? Business credit card issuers look at your personal credit score when deciding whether to approve or deny your business credit card application. So even if you’re a startup with no credit history, that shouldn’t stop you from getting a business card.
You need a FICO score of at least 690 to qualify for most business credit cards, though there are a handful (noted above) that accept lower scores and consider other factors, like business revenue.
Is your FICO score below 630? A secured personal credit card, used responsibly, can help you build your personal credit score, making it easier for you to qualify for a business credit card down the line. You can also use a secured business credit card to establish your business credit score. A secured business credit card generally won't have a positive impact on your personal credit, though card issuers may report negative activity to the personal credit bureaus.
Can you get a business credit card right away?
Some business credit cards offer instant approval, but you often need to wait for the card to arrive before you can start using it — typically seven to 10 business days. A handful of cards, including Brex and Capital On Tap, offer instant access to a virtual card. Once approved, you can start using your virtual card right away.
The information related to the Capital One® Spark® Classic for Business has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates credit cards.
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