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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 cards to get

Some of the easiest business credit cards to get include corporate credit cards, secured cards, and fair-credit credit cards. Here are our top picks:

  • Ramp Business Credit Card
  • Brex Corporate 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

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. 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.

FAQ
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 a 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.

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. Learn how you can build business credit with bad personal credit in our comprehensive article on the subject.

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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CPFC, Finance Contributor
Marc Guberti is a certified personal finance counselor and a freelance writer. His work has been featured in US News & World Report, Newsweek, Fox Business, and other publications.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.

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