10 easiest business credit cards to get in March 2025
- Easiest business cards to get
- 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?
- 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 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
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
Brex Corporate Card- Partner perks worth over $180,000 with leading brands like Amazon Web Services, Apple, Quickbooks, UPS, and others
- Turn points into Bitcoin or Ethereum with Crypto Rewards
- Expense reports
- Enterprise-grade security
- High credit limits based on financial factors like revenue or dollars raised
- Spending controls for each employee’s card
- Automated compliance with the IRS
Annual Fee
$0
APR
N/A
Rewards
Points
First National Bank of Omaha Business Edition Secured Mastercard Credit Card- 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
Capital One Spark Classic for Business- 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
Bank of America Business Advantage Unlimited Cash Rewards Secured Card- $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%
Chase Ink Business Unlimited Credit Card- 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
American Express Blue Business Cash Card- 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
Capital On Tap Business Credit Card- 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
Capital One Spark Cash Select for Business- 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
American Express Blue Business Plus- 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
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.
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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