10 easiest business credit cards to get in April 2025

- Easiest business credit cards to get
- Summary of most accessible business credit cards
- What are the easiest business credit cards to get?
- Can you get a business credit card immediately?
- Is it hard to get a business credit card with an LLC?
- What credit score do you need for a business credit card?
- Why do you need a business credit card?
- Get Ramp’s business credit card with an easy approval process

Secured cards are generally the easiest business credit cards to get, since they usually have no personal credit score requirements. However, there are some other options if you only have a fair credit score.
In this article, we review some of the easiest business credit cards to get without a strong credit score or, in some cases, a personal guarantee.
Easiest business credit cards to get
Some of the easiest business credit cards to get include corporate credit cards (charge cards), secured cards, and fair-credit credit cards. Here are our top picks:
- Ramp Business Credit Card
- First National Bank of Omaha Business Edition Secured Mastercard Credit Card
- Capital One Spark Cash Plus
- Bank of America Business Advantage Unlimited Cash Rewards Secured Card
- Chase Ink Business Unlimited Credit Card
- American Express Blue Business Cash Card
- Capital on Tap Business Credit Card
- American Express Blue Business Plus
- Capital One Spark Classic for Business
- Valley Visa Secured Business Credit Card
Ramp Business Credit Card

- No interest charges or fees
- Cashback on all purchases
- Automated expense tracking and real-time insights
- Unlimited virtual and physical cards for employees
- Seamless integration with accounting tools
- Requires a business bank account
- Only available to U.S.-based businesses
The Ramp Business Credit Card is a no-fee, no-interest corporate card designed to simplify business spending and boost efficiency. With unlimited 1.5% cash back and built-in automation tools, it helps businesses save time and money while staying organized. Ramp also integrates with accounting platforms and provides spending controls for every employee card.
Key features:
- 0% APR and no fees
- Unlimited 1.5% cash back on all purchases
- Real-time expense tracking and insights
- Works with major accounting software
- Unlimited virtual and physical cards for employees
- Custom spend limits and approval workflows
First National Bank of Omaha Business Edition Secured Mastercard Credit Card

- Helps build or rebuild business credit
- Secured with a refundable deposit
- Reports to business credit bureaus
- Charges an annual fee
- No rewards program
- High variable APR
This secured business credit card is ideal for business owners with little to no credit history. Your credit line is based on a refundable security deposit, and on-time payments help establish your business credit profile. However, it comes with no rewards and a relatively high APR.
Key features:
- Secured card with deposit-based credit line
- Reports to business credit bureaus
- Annual fee of $39
- Online account management
Capital One Spark Cash Plus

- Unlimited 2% cash back on all purchases
- No preset spending limit
- No foreign transaction fees
- Annual cash bonus for high spenders
- $150 annual fee
- Approval typically requires an excellent credit score
The Spark Cash Plus is a premium business charge card offering straightforward 2% cash back on every purchase. There’s no preset spending limit, and if you spend $150,000 in a year, you get a $200 annual cash bonus. It’s best for businesses that spend heavily and can pay their balances in full.
Key features:
- Unlimited 2% cash back on all purchases
- $200 annual cash bonus after $150K in yearly spend
- No preset spending limit
- No foreign transaction fees
- Expense tracking and employee cards included
Bank of America Business Advantage Unlimited Cash Rewards Secured Card

- 1.5% cash back on all purchases
- No annual fee
- Helps build business credit
- Converts to unsecured version with responsible use
- Requires a security deposit
- High ongoing APR
- Foreign transaction fees apply
This secured version of the Unlimited Cash Rewards card is great for new or rebuilding businesses. It earns 1.5% cash back on every purchase and has no annual fee. After consistent on-time payments, you may be upgraded to an unsecured card and receive your deposit back.
Key features:
- 1.5% cash back on all purchases
- No annual fee
- Reports to business credit bureaus
- Potential upgrade to unsecured card
- Security deposit required
Chase Ink Business Unlimited Credit Card

- Unlimited 1.5% cash back on all purchases
- Intro 0% APR on purchases for 12 months
- Free employee cards with spending controls
- Foreign transaction fees apply
- Higher rewards available with category-specific cards
- Best redemption value requires pairing with premium Chase cards
The Ink Business Unlimited® Credit Card offers simple, flat-rate rewards and an introductory 0% APR, making it a great choice for new or growing businesses looking to manage upfront costs. With no annual fee and unlimited 1.5% cash back on every purchase, it’s easy to use without tracking spending categories. Pairing it with other Chase cards can unlock even more value through point transfers.
Key features:
- 0% intro APR on purchases for 12 months
- Unlimited 1.5% cash back on every purchase
- Free employee cards with individual limits
- Purchase protection and extended warranty coverage
- Integration with Chase Ultimate Rewards
American Express Blue Business Cash Card

- 2% cash back on eligible purchases (up to $50K/year)
- 0% intro APR for 12 months
- No annual fee
- Flexible spending limit adjusts with your needs
- 2% cash back is capped at $50K per year
- Foreign transaction fee applies
- Only accepted where Amex is taken
The Blue Business Cash Card from Amex offers generous 2% cash back on eligible purchases up to $50,000 per year, then 1%. With no annual fee and 12 months of 0% intro APR, it's a solid option for small business owners and entrepreneurs looking to keep spending manageable while earning consistent rewards. Its expanded buying power also adapts to your business’s needs over time.
Key features:
- 2% cash back on eligible purchases (up to $50,000/year, then 1%)
- 0% intro APR for 12 months
- No annual fee
- Flexible spending limit that adjusts based on usage and payment history
- Expense tracking tools and integration with Amex Insights
Capital on Tap Business Credit Card

- Simple 1.5% cash back on all purchases
- Fast application and approval process
- No annual or foreign transaction fees
- High credit limits available
- APR can be high depending on credit profile
- Fewer business perks than larger issuers
- U.S. business must be registered as an LLC or corporation
Capital on Tap offers a straightforward business credit card with quick access to credit, simple rewards, and no fees. It’s great for businesses that need funding fast and want to earn cash back without worrying about categories. The platform also includes tools for managing multiple employee cards.
Key features:
- Unlimited 1.5% cash back on all purchases
- Credit limits up to $50,000
- No annual or foreign transaction fees
- Quick online application with same-day decision
- Free employee cards with spending controls
American Express Blue Business Plus Credit Card

- 2x points on all purchases (up to $50K/year)
- 0% intro APR for 12 months
- No annual fee
- Flexible spending limit
- 2x points capped at $50K annually
- Foreign transaction fees apply
- Redemption options may be less valuable than cash back
The Amex Blue Business Plus Credit Card is ideal for businesses looking to earn Membership Rewards points on all spending without tracking categories. With 2x points on the first $50,000 spent each year and no annual fee, it’s a great fit for everyday business expenses. You also get Amex’s flexible spending power, which can adjust based on your payment habits.
Key features:
- 2x Membership Rewards® points on the first $50,000 per year (1x after that)
- 0% intro APR for 12 months
- No annual fee
- Expanded buying power adjusts to your needs
- Amex Offers and travel protections included
Capital One Spark Classic for Business

- Designed for fair/average credit
- 1% cash back on all purchases
- No annual fee
- No foreign transaction fees
- High APR
- Low reward rate
- Fewer premium features
The Spark Classic for Business is a solid starter card for businesses with fair or average credit. It offers unlimited 1% cash back on every purchase and helps you build credit while managing expenses. With no annual or foreign transaction fees, it's a cost-effective way to establish a financial foundation for your business.
Key features:
- Unlimited 1% cash back on all purchases
- No annual fee
- No foreign transaction fees
- Helps build or rebuild business credit
- Free employee cards with spending controls
Valley Visa Secured Business Credit Card

- Helps build business credit
- No annual fee
- Customizable credit line based on deposit
- No rewards
- Foreign transaction fees apply
- Must apply in-person or through a banker
The Valley Visa Secured Business Credit Card is geared toward businesses that need to establish or rebuild their credit history. Your credit limit is determined by the amount you deposit, giving you control over your available credit. While it doesn’t earn rewards, it offers a no-fee path to building a stronger business credit profile.
Key features:
- Secured card with adjustable credit limit
- Reports to business credit bureaus
- No annual fee
- Online account management
- In-person or banker-assisted application required
Summary of most accessible business credit cards
Card comparison

- Get cashback on purchases
- Provide unlimited physical and virtual employee card
- Access more than $350,000 in deals from various partner
- Use automated software for expense management
- View vendor information and pricing on a single dashboard
- Automate accounts payable
- No fees or interest
Annual Fee
$0
APR
N/A
Rewards
Cashback

- Credit limit ranges from $2,000 to $10,000 depending on the size of your deposit
- $39 annual fee
- Variable 25.99% APR on purchases and balance transfers
- Zero Liability for fraudulent charges
- Save on purchases with automatic rebates
- Cash flow management
- Mobile receipt management
Annual Fee
$39
Rewards
Earn interest on security deposit

- Build business credit by using this card responsibly
- AutoPay
- $0 fraud liability
- Year-end summaries
- Assign account managers
- Offer virtual card numbers for added security
- Integration with Quicken, Quickbooks, Excel, and other software
Annual Fee
$0
APR
29.99% (variable)
Rewards
Cashback

- $1,000 minimum security deposit
- Unlimited 1.5% cashback and rewards do not expire
- Seamless transition to unsecured card if you qualify
- Flexible redemption options
- Cash flow management tools
- Travel and emergency services
- Balance Connect offers overdraft protection
Annual Fee
$0
Rewards
Cashback
APR
18.49%–28.49%

- Unlimited 1.5% cashback
- 0% intro APR for the first 12 months
- Receive employee cards at no additional costs
- Set individual spending limits for each card
- Auto Rental Collision Damage Waiver
- Travel and emergency assistance services
- Earn $750 bonus cash back after you spend $6,000 on purchases within the first three months after opening your account
Annual Fee
$0
APR
18.49%–24.49%
Rewards
Cashback

- 0% intro APR for the first 12 months
- Earn a $300 statement credit after you spend $6,000 within the first three months of opening your account
- Car Rental Loss and Damage Insurance
- Global Assist Hotline
- Expense management tools
- Year-end summary report
- Purchase protection if your new purchase gets stolen or accidentally damaged within the first 90 days
Annual Fee
$0
Rewards
Cashback

- 1.5% rewards rate on all purchases, with no caps or restrictions
- $0 annual fee and no foreign exchange fees
- Available to businesses, but not to sole proprietors or unincorporated businesses
- Requires a FICO score of 670 or higher to qualify
- Offers unlimited employee cards and integrations with accounting software
- Choose between Free Rewards or Business Rewards cards
Annual Fee
$0
APR
18.49%–35.99%
Rewards
Cashback

- 18.49% to 24.49% variable APR for the Excellent Credit version
- 21.24% to 29.24% variable APR for the Good Credit version
- Unlimited 1.5% cashback and 5% cashback on hotels booked through Capital One Travel
- 0% intro APR for the first 12 months
- The minimum payment is the greater of $15 or 1% of your account’s balance
- Automatic payments
- $0 fraud liability
- Account managers
- Virtual card numbers for enhanced security
Annual Fee
$0
APR
18.49%–29.24%
Rewards
Cashback

- Welcome offer of 15,000 Amex membership rewards points after you spend $3,000 in purchases in the first three months of account opening
- 0% intro APR for the first 12 months
- 2% cashback for the first $50,000 each year
- Unlimited 1% cashback for other purchases
- Expense management tools
- Employee cards
- Integration with accounting software
Annual Fee
$0
APR
18.49%–26.49%
Rewards
Cashback

- 0% intro APR for the first six months
- No annual fees
- Available for customers with limited credit history or bad credit
- Requires a security deposit of 110% of your desired credit limit
- Track your payments and transactions
- Online statements
- 0% APR for balance transfers
Annual Fee
$0
APR
16.20%–27.75%
Rewards Rate
1% cashback
Discover Ramp's corporate card for modern finance

What are the easiest business credit cards to get?
Secured business credit cards, like the First National Bank of Omaha Business Edition Secured Mastercard, are the easiest business credit cards you can get. This is because these cards don’t require a strong credit score or personal guarantee–instead, you put down a security deposit that becomes your credit limit.If you have bad credit, a secured card can help you build up your score.
Corporate charge cards are another type of business credit card that can be easy to get, provided that you have steady business revenue. Unlike business or personal credit cards, these cards don’t require a personal credit check or personal guarantee. Unlike traditional business credit cards, they come with built-in expense management software. They also have no interest charges because they require full balance payments each month.
Can I use my EIN to get a credit card?
Yes, you can use an Employer Identification Number (EIN) to apply for a business credit card, but your options will be limited to corporate cards. These cards approve based on business revenue and don’t require your Social Security Number (SSN) or a personal guarantee.
Can you get a business credit card immediately?
It’s possible to get a business credit card immediately after the application process, especially if you apply for a virtual card. However, most lenders will have to check your credit report via the credit bureaus before you receive an approval decision.
Is it hard to get a business credit card with an LLC?
As an LLC, you can get an entry-level business credit card using either your EIN or SSN, depending on what kind of card you choose. If you go with a traditional small business credit card, you’ll need a strong personal credit score and will have to put up a personal guarantee. If you choose a corporate card provider, you can apply without providing your SSN for a credit check, but you’ll need to have enough business revenue in a bank account to qualify.
Who has the easiest business credit card to get?
First National Bank of Omaha, Capital One, and Bank of America all have secured credit cards in their lineup. Since these require a security deposit, they can be good options for beginners or those with new or limited credit. Ramp’s Business Credit Card, as a charge card, is also one of the easiest business credit cards to get if your company already has revenue.
What credit score do you need for a business credit card?
Many of the best business credit cards require a good to excellent personal credit score—typically 690 or above. A good credit score is especially important for startups and small businesses that don’t have a strong credit history.
How your business credit score affects approval
Your business credit score is one of the key factors that lenders may consider when evaluating your application. Most traditional business credit cards require a good to excellent personal credit score, but some secured or corporate cards rely more on business financials, like revenue or cash flow.
If you’re just starting out or have limited credit history, more accessible business credit cards like secured cards and no-personal-guarantee corporate cards like Ramp can help you build a business credit profile over time. Regular use and on-time payments will gradually improve your business credit score, opening up better credit opportunities in the future.
Learn how you can build business credit with bad personal credit in our comprehensive article on the subject.
Why do you need a business credit card?
A business credit card is a step up in your personal finance game. It helps you keep your business finances separate, making bookkeeping and tax time much easier. It also helps manage cash flow, build business credit, and often comes with rewards and tools that simplify expense tracking and employee spending. Overall, it adds professionalism and financial flexibility to your business.
Low-barrier business credit cards like the ones mentioned above are a good place to start enjoying these benefits.
Get Ramp’s business credit card with an easy approval process
Qualifying for a Ramp Business Credit Card only takes 1–3 days on average, and there’s no credit check or personal guarantee. All you need to qualify is a registered business with an EIN and at least $25,000 in a U.S. business bank account.
Ramp has no annual fee, no foreign transaction fees, and no interest rate. Here are some of the other features you can expect:
- Unlimited physical and virtual employee cards
- Automate your expense policy and set custom spending limits at the card level
- Enjoy Visa Card Benefits like travel and emergency assistance services and purchase security protections
- Access over $350,000 in partner rewards via Ramp’s partnerships
Want to see how Ramp can serve your business needs? See a free demo to learn what perks you can enjoy as a Ramp cardholder.

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