8 easiest business credit cards to get in 2025
- What are the easiest business credit cards to get approved for?
- What makes a business credit card easy to qualify for
- Do you really need a business credit card if you’re just starting out?
- What documents and details do most issuers require up front
- Side-by-side look at the easiest business credit cards
- Hidden costs you may overlook beyond annual fees
- Which types of businesses benefit most from easy-approval cards
- How Fi overcame traditional credit card limitations with Ramp
- Apply for Ramp’s business credit card with just your EIN
Need quick financing for your business? While secured cards offer one pathway, other alternatives exist for those with fair credit scores, including corporate cards with flexible requirements.
A business credit card with easy approval usually comes with fewer qualification hurdles. It relies less on personal credit checks and often uses alternative criteria like business revenue, cash flow, or secured deposits to qualify you.
Many small businesses need faster approvals, flexible limits, and a way to build credit without tying everything to a personal guarantee. The right card gives you a payment method, expense tracking, and room to grow without slowing you down at the application stage.
The easiest business credit cards to get include:
- Ramp Business Credit Card
- Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card
- Chase Ink Business Unlimited Credit Card
- Capital One Spark 1% Classic
- FNBO Business Edition® Secured Mastercard® Credit Card
- Capital on Tap Business Credit Card
- Valley Visa Secured Business Credit Card
- Nav Prime Card
What are the easiest business credit cards to get approved for?
If you have good or excellent personal credit, or if you have an established business with a good business credit score, most business credit cards should be fairly easy to get approved for. However, if your personal credit score is less than stellar, you still have some options:
- Secured business credit cards: You can typically get a secured credit card no matter your personal credit score. This type of business credit card requires an initial deposit that acts as your credit limit. Secured business credit cards are a great way to help you build credit as you pursue some of the more attractive business credit cards.
- Fair-credit business credit cards: A fair credit score is generally around 580–669 in the FICO range or 601–660 for VantageScore. You can find business credit cards for fair credit, though your options are more limited, and they typically don’t offer competitive rewards or rates.
- Corporate credit cards: Most corporate cards don’t require a credit check or personal guarantee. Instead, they rely on factors like your business revenue or cash on hand, and you can typically apply with your Employer Identification Number (EIN) only. However, these cards usually aren’t available to sole proprietorships or partnerships.
Ramp Business Credit Card
- No interest charges or fees
- Cashback on all purchases
- Automated expense tracking and real-time insights
- Unlimited physical and virtual cards for employees
- Seamless integration with accounting tools and ERPs
- Requires a business bank account
- Only available to U.S.-based businesses
The Ramp Corporate Card is designed for businesses that want easy access to credit without tying approvals to personal guarantees. Instead of relying on credit scores, Ramp evaluates your company’s cash flow in real time. This speeds up decisions and makes the card accessible to newer firms.
More than 40,000 companies already use Ramp, and the platform has helped customers save over $10 billion and 27.5 million hours through automation. Beyond accessibility, the card combines flexible credit with built-in spend controls, unlimited employee cards, and accounting integrations.
Key features:
- 0% APR and no fees
- Cashback rewards on all purchases that you can apply as a statement credit
- Real-time expense tracking and insights
- Integrates with major accounting software and ERPs
- Unlimited virtual and physical cards for employees
- Custom spend limits and approval workflows
Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card
- 1.5% cashback on all purchases
- No annual fee
- Helps build business credit
- Converts to unsecured version with responsible use
- Requires a security deposit
- High variable APR
- 4% balance transfer fee
- Foreign transaction fees apply
Business owners who need to strengthen their credit can use the Bank of America® Secured credit card, which offers the support of an established national bank. Unlike unsecured cards that demand strong credit profiles, this option lowers the entry barrier by tying your credit line to a refundable security deposit. It combines accessibility with the backing of a large financial institution, making it a reliable stepping stone for younger businesses.
Key features:
- 1.5% cash back on all purchases with no cap
- No annual fee required
- Security deposit starting around $300
- Potential to upgrade to unsecured card
- Reports to business credit bureaus
Chase Ink Business Unlimited Credit Card
- No annual fee
- Introductory APR supports large upfront expenses
- Simple rewards program with 1.5% cashback on all purchases
- Foreign transaction fees apply
- Rewards structure may not suit category-specific spending
The Chase Ink Business Unlimited® Credit Card is a straightforward option for owners who want consistent rewards without juggling categories. It offers unlimited flat-rate cash back on every purchase and provides a sizable welcome bonus for new accounts.
Since it belongs to the Chase family, you also gain access to the broader Ultimate Rewards program, which adds flexibility for how you redeem cash back or transfer points. With no annual fee, it appeals to small businesses that want predictable value and access to a major banking network.
Key features:
- Unlimited 1.5% cash back on all purchases
- $750 bonus cash back after spending $6,000 in the first three months
- Intro 0% APR on purchases for 12 months
- Employee cards are available at no extra cost with customizable limits
- Access to Chase Ultimate Rewards for travel and partner transfers
- No annual fee
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
- Requires an upfront deposit of 110% of your credit limit
- Must apply in person in a physical branch
The Valley Visa® Secured Business Credit Card is designed for businesses that want to establish or rebuild credit with the backing of a regional bank. The card asks for a refundable security deposit equal to 110% of the credit limit.
This helps businesses that may not yet qualify for unsecured cards. The card also supports growth by reporting to major credit bureaus, giving you a chance to strengthen your financial profile over time.
Key features:
- 0% introductory APR on purchases and balance transfers
- No annual fee
- Reports activity to major business credit bureaus
- 1% cash back on all purchases
- Credit limits available up to $25,000
Capital One Spark 1% Classic
- Designed for fair/average credit
- 1% cashback on all purchases
- No annual fee
- No foreign transaction fees
- High variable APR
- Low reward rate
- Fewer premium features
For business owners with fair or average credit, the Capital One Spark 1% Classic offers a good entry point. It provides straightforward access to business credit while reporting to major commercial bureaus, helping you build a stronger profile over time. Unlike secured cards that require deposits, this unsecured card offers a simpler entry point for businesses that need credit but have limited history.
Key features:
- Approval available for business owners with fair or average credit
- No security deposit required
- Reports activity to major business credit bureaus
- Provides free employee cards with customizable spending limits
- No foreign transaction fees
FNBO 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
The FNBO Business Edition® Secured Mastercard is aimed at businesses that want higher credit limits while working to build or repair their credit profile. Unlike many secured cards that keep limits low, FNBO allows deposits of up to $110,000. This can translate into significant purchasing power.
It reports to major business credit bureaus. This gives you a chance to improve your company’s credit standing over time while keeping expenses manageable through online tools.
Key features:
- Credit limits available up to $110,000 based on security deposit
- Reports payment history to major business credit bureaus
- No penalty APR for missed payments
- Zero liability protection for unauthorized transactions
- Online account management and expense tracking tools
Capital on Tap Business Credit Card
- Simple 1.5% cashback on all purchases
- Fast application and approval process
- No annual or foreign transaction fees
- High credit limits available
- APR can be extremely high, depending on credit profile
- Fewer business perks than larger issuers
- Only for U.S. or U.K. businesses registered as an LLC, corporation, or partnership
Capital on Tap offers a straightforward small 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. However, the variable APR can get prohibitive on the high end.
Key features:
- Unlimited 1.5% cashback on all purchases
- Credit limits up to $50,000
- No annual or foreign transaction fees
- Quick online application
- Free employee cards with spending controls
Nav Prime Card
- No credit check
- No security deposit
- Builds business credit history with major credit bureaus
- $49.99 monthly fee
- You must pay your balance in full each month
- No rewards or perks
Small businesses looking to grow their credit history can use the Nav Prime Card, which reports account activity each month. It connects directly to your Nav Prime membership, which includes access to credit-building tools and business monitoring services.
Unlike traditional cards that require strong credit profiles, this card bases approval on your subscription and linked business bank account. This makes it accessible for younger companies or those with limited credit history.
Key features:
- Reports monthly to major commercial credit bureaus
- No hard credit check required for approval
- Builds both business and personal credit history
- Linked to Nav Prime membership with access to credit tools and monitoring
- Simple online application with fast decisions
What makes a business credit card easy to qualify for
The ease of qualifying for a business credit card comes down to how issuers evaluate your profile. Traditional lenders lean heavily on credit scores, while newer fintech options often use business revenue or cash flow as the main factor.
The average small business credit card approval requires a personal score of around 670. However, most small businesses operate with scores below that level.
Easy-to-qualify cards reduce barriers by allowing lower credit thresholds, accepting secured deposits, or removing the need for a personal guarantee. They may also ask for fewer years in business or lighter documentation, which helps startups lacking an operating history.
Here’s how traditional business credit cards compare with fintech options when it comes to approval requirements for small businesses:
Factor | Traditional business credit cards | Fintech business credit cards |
|---|---|---|
Credit score requirement | Often requires 670+ personal score | May approve with 580 to 600 secured or based on revenue or cash flow |
Revenue threshold | Usually $100,000+ in annual revenue | Often $10,000 to $25,000 in monthly deposits |
Business age | Prefer 2+ years in operation | Sometimes approve after 6 months with strong activity |
Personal guarantee | Almost always required | Often not required if revenue is consistent |
Documentation | Multiple years of tax returns and financial statements | Minimal paperwork; connects directly to business bank account |
Approval speed | One to two weeks on average | One to two days using automated reviews |
Flexibility | Limits fixed and adjusted through manual requests | Dynamic limits that adjust with revenue trends |
For small businesses, fintech cards reduce obstacles across several areas.
Credit score flexibility and approval thresholds
Cards that are easier to qualify for typically accept lower scores or place less weight on personal credit history. Secured business cards allow approval with scores in the 580 to 600 range because the deposit reduces risk for the issuer.
Modern cards such as Ramp look at business cash flow and revenue rather than personal credit scores. This makes them accessible to companies that might not yet qualify with a bank.
When issuers show flexibility in how they view credit, you gain access to working capital even without a perfect score. This approach gives smaller companies a path to establish credit history.
Revenue and cash flow requirements
Traditional banks often look for at least $100,000 in annual revenue before extending business credit. This makes it harder for early-stage companies to qualify. Nearly two-thirds of new and small businesses generate less than $25,000 a year, leaving many owners without access to traditional credit lines.
Fintech cards take a different approach by focusing on monthly cash flow rather than long operating histories. A consistent inflow of $10,000 to $25,000 each month can be enough for approval, even if your business is less than a year old. This model recognizes the strength of real-time financial performance instead of relying on past records alone.
Personal guarantee
A personal guarantee means you take personal responsibility for repayment if your business cannot cover the balance. Most traditional issuers require this step. It ties your personal credit profile and assets to the account.
Cards that do not require a personal guarantee are easier to qualify for if your business has steady revenue but limited credit history. Ramp's corporate card uses real-time financial data instead of personal guarantees to extend credit. This reduces the risk to your personal finances while still providing access to working capital.
Secured deposits
Secured business credit cards rely on deposits to reduce risk for the issuer. You provide a cash deposit that usually matches your credit line, which makes approval possible even with limited or poor credit history.
Secured business credit cards rely on deposits to reduce risk for the issuer. You provide a cash deposit that usually matches your credit line, which makes approval possible even with limited or poor credit history.
However, these cards can tie up cash you could otherwise use for operations. For businesses with tight working capital, placing several thousand dollars in a deposit can create short-term strain.
Business age
Traditional banks often prefer at least two years of operating history before they extend credit. However, nearly 35% of small businesses applying for financing are less than five years old. This puts many owners at a disadvantage when applying through banks.
Fintech issuers reduce this barrier by considering younger companies with just a few months of activity if revenue is consistent. Linking your financial accounts allows them to evaluate performance in real time instead of relying on years of records. This makes access to credit more practical for startups that need to move quickly.
Do you really need a business credit card if you’re just starting out?
Starting a business often means unpredictable expenses and limited cash reserves. A business credit card gives you flexibility to cover essentials like software, advertising, and initial supplier orders without draining cash. In the early months, this access helps bridge the gap between paying for upfront costs and waiting for customer payments.
Not having a business card can hold you back. Relying on personal cards keeps all activity tied to your individual credit history. This prevents you from building a separate business profile. It also increases the risk of missed tax deductions when expenses are mixed.
Approximately 81% of small businesses struggle to secure affordable financing. A missing credit history makes lenders less willing to extend approvals.
Using a business credit card from the beginning also opens the door to benefits beyond credit. Rewards or cashback on everyday spending returns real value on costs you are already covering. Many landlords, insurers, and suppliers review business credit history before offering favorable terms, so establishing that record early strengthens your negotiating power.
The decision is not only about convenience. For startups, a business credit card sets up a better financial structure and reduces reliance on personal liability.
What documents and details do most issuers require up front
Fintech issuers keep the application process straightforward by asking for fewer documents than traditional banks. Instead of lengthy statements and multi-year tax returns, they often rely on real-time data pulled directly from your accounts. This simplified approach is why many startups view fintech cards as the easiest to qualify for.
Here are the details fintech issuers usually request:
Requirement | Why fintech issuers ask for it | What it shows about your business |
|---|---|---|
Employer Identification Number (EIN) or Social Security Number | Establishes your business identity and verifies legal existence | Confirms whether you are incorporated or operating as a sole proprietor |
Business bank account connection | Lets issuers review deposits, withdrawals, and cash flow directly in real time | Demonstrates your company’s ability to handle expenses and maintain liquidity |
Personal identification | Ensures the applicant is an authorized representative and prevents fraud | Confirms ownership and adds a security layer during approval |
Basic company details | Provides background such as business name, address, industry type, and employee count | Helps issuers tailor limits, controls, and product features to your profile |
Proof of revenue through recent activity | Verifies deposits through linked accounts instead of requiring tax returns or audited statements | Shows whether your business meets minimum monthly deposits, often $10,000–$25,000 |
Side-by-side look at the easiest business credit cards
Comparing business credit cards side by side helps you see which option aligns with your company’s needs. Each card offers different approval paths, fees, and credit-building potential. Around 58% of small business owners face challenges accessing financing, which makes understanding these differences important.
Reviewing features such as annual fees, foreign transaction costs, and reporting practices helps you identify the card that fits your stage of growth.
Card feature comparison
Annual Fee
$0
APR
N/A
Rewards
Cashback
Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit CardAnnual Fee
$0
APR
27.49% variable
Rewards
Cashback
Chase Ink Business Unlimited Credit CardAnnual Fee
$0
APR
17.49%–23.49% variable
FX Fees
3%
Rewards
Cashback
Valley Secured Business Credit CardAnnual Fee
$0
APR
0% for first 6 months, then 15.20%–26.50% variable
Rewards
Cashback
Capital One Spark 1% ClassicAnnual Fee
$0
APR
29.74% variable
Rewards
Cashback
FNBO Business Edition Secured Mastercard Credit CardAPR
25.24% (variable)
Fees
$39
Capital on Tap Business Credit CardAnnual Fee
$0
APR
17.49%–57.49% variable
Rewards
Cashback
Nav Prime CardAnnual Fee
$49/month (via Nav Prime subscription)
APR
N/A
Hidden costs you may overlook beyond annual fees
Annual fees are only one part of the total cost of using a business credit card. Other charges can add up quickly and reduce the value you expect to get. About 61% of small businesses carry balances month to month, which means interest and fees can significantly impact overall expenses.
- Foreign transaction charges: Many issuers apply a fee of around 3% on every purchase made in another currency. If you pay overseas suppliers or book frequent international travel, these costs can accumulate and offset rewards. A $5,000 purchase abroad could add $150 in fees.
- Balance transfer fees: Moving debt from one card to another usually comes with a charge between 3% and 5% of the amount transferred. For a $10,000 balance, that means an upfront cost of $300 to $500, which may cancel out the benefit of a temporary low APR.
- Cash advance costs: Taking out cash against your card balance often triggers both a flat fee and a higher interest rate that starts immediately. Unlike normal purchases, there is no grace period, so businesses relying on cash advances can face much higher financing costs.
- Penalty interest rates: A single late payment can push your APR. This “penalty APR” applies to new purchases and makes carrying a balance far more expensive. For businesses already managing tight margins, these higher rates can strain cash flow.
- Late payment fees: In addition to penalty interest, most issuers add a fixed charge for missed or delayed payments. Repeated late fees not only raise costs but can also hurt your business credit score, making future financing harder to secure.
- Overlimit charges: Some issuers still impose a fee when your spending goes beyond the assigned limit. Businesses with seasonal spikes or project-based expenses may hit this ceiling unexpectedly, creating added costs when cash is already stretched.
- Employee card fees: While some providers include unlimited employee cards for free, others charge per additional card or for added controls. A growing team can make these charges noticeable over time.
Certain cards add 3% foreign transaction fees or late fees that pile up. Ramp avoids both by charging no extra foreign transaction fees and no late fees, which reduces overhead for businesses that operate globally.
Which types of businesses benefit most from easy-approval cards
Not every business has the same access to financing. Only about 44% of small business loan applicants receive the full amount they request, leaving many owners searching for alternatives. Easy-approval business credit cards fill this gap by lowering entry barriers and providing access to credit without requiring years of financial history.
Startups with limited credit history
New companies often face rejection when applying for loans or traditional credit lines because they have not built a financial track record. Easy-approval cards solve this by using simpler requirements, such as a linked bank account or a security deposit, instead of several years of financial statements.
This allows you to cover early costs, such as software subscriptions, equipment, or advertising campaigns. Reporting to business credit bureaus also helps you begin building a profile that makes larger financing options more realistic down the road.
Solo entrepreneurs and microbusinesses
Freelancers, consultants, and very small firms typically do not generate the revenue or maintain the documentation traditional lenders demand. Easy-approval cards create a way to separate business and personal expenses, which keeps records clearer during tax season and helps you track profitability.
They also let you establish business credit while operating on a small scale. For microbusinesses that make up nearly 92% of U.S. companies, this access provides legitimacy and lays a foundation for future growth.
Seasonal businesses managing cash flow swings
Retail shops, event organizers, and travel operators often see revenue spike for part of the year and slow down in other months. Traditional financing does not always adapt to those shifts.
Easy-approval cards provide breathing room when sales dip and give you flexibility to cover supplier invoices or payroll until peak season arrives. With 31% of small businesses naming cash flow as their top challenge, having credit that matches your seasonal pattern can mean smoother operations and fewer interruptions.
Small firms rebuilding after financial setbacks
Companies that have struggled with late payments, high debt, or closures often face barriers when reapplying for traditional financing. Easy-approval cards create a recovery path by looking at deposits, secured balances, or cash flow instead of flawless credit scores.
This gives you a way to manage day-to-day expenses while working to improve your credit profile. Over time, responsible use of these cards helps rebuild your standing with lenders and opens doors to more competitive financing.
Bratjen Construction used Ramp’s corporate cards to streamline their workflows. Expense reconciliation dropped from two weeks to 1 to 2 days, giving them back valuable time to focus on growth instead of paperwork.
Companies with frequent international purchases
Businesses that rely on overseas suppliers or travel for operations face added costs and approval challenges. Easy-approval cards that minimize cross border fees or streamline approvals make it easier to pay vendors in other countries without relying on complicated wire transfers. For companies in import, e-commerce, or consulting, having quick approval for a card that works globally prevents delays and ensures suppliers get paid on time.
How Fi overcame traditional credit card limitations with Ramp
Before switching to Ramp, Fi struggled with traditional credit card systems that couldn't support their growing finance needs. Deputy Controller Van Dinh explains that their previous cards had "frustratingly low credit limits and cashback options" and "didn't really provide a solution in terms of any of the issues that were most pressing." The limited card numbers forced team members to share card information to make purchases, which compromised security and created operational inefficiencies.
Ramp eliminated Fi's traditional credit barriers by providing higher credit limits and comprehensive features designed for growing companies. Van felt that Ramp was built by someone who understood finance teams' exact pain points. The setup process was remarkably smooth, and Fi was able to start spending several million dollars through Ramp within weeks of getting started.
Switching to Ramp resulted in:
- Higher credit limits that eliminated the constraints of traditional credit cards
- Easy platform onboarding with quick user invitations and immediate access
- Enhanced security through virtual cards instead of shared physical card information
- Automated receipt management that eliminated manual follow-up processes
- Real-time spend monitoring with predetermined limits and automatic alerts
For a fast-growing company with a lean finance team, accessible credit without traditional limitations was essential for scaling operations. As Van puts it, "After talking to Ramp, I felt like somebody was working in finance and accounting, knew all of our pain points, and built software that addresses our exact needs."
Apply for Ramp’s business credit card with just your EIN
Businesses get approved for the Ramp Corporate Card in less than 48 hours 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. On top of that, you get:
- Unlimited physical and virtual employee cards
- Automated expense policy enforcement with custom spending limits at the employee, vendor, or card level
- Built-in expense management features that automatically track and categorize transactions in real time
- Access to more than $350,000 in partner rewards, including exclusive credits and discounts with major vendors like Amazon Business and UPS
Watch a demo video to learn about all the benefits you get as a Ramp cardholder.
FAQs
Traditional banks may take one to two weeks since they review credit reports and financials manually. Fintech issuers often approve in one to two days by connecting to your bank account and analyzing real-time cash flow.
Most banks check your personal credit during the application, which creates a temporary inquiry. Fintech cards sometimes skip this step and rely on business revenue, so your personal credit stays untouched unless you default.
Some issuers accept an Employer Identification Number (EIN) and an Individual Taxpayer Identification Number (ITIN). Availability depends on the provider, so it’s worth checking requirements before applying.
Rewards from regular spending are usually treated as rebates and not taxable. Bonuses unrelated to spending may be taxed as income, so tracking them separately with accounting software helps during tax season.
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