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Business credit cards will give you extra capital, rewards, and other perks. However, some of these cards have strict requirements and annual fees. You may need a good business credit score and multiple years of business experience to get certain cards. 

While some cards are hard to get, others are straightforward. It’s possible to get a business credit card with a good FICO score alone. Credit card issuers have cards that cater to startups and people who want to test out their businesses before investing significant capital. This guide will unveil some of the easiest business credit cards to get.

Easiest business cards to get

  • Ramp Corporate 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?

Some credit card issuers offer business cards that have low or no credit score requirements. These cards offer more flexibility for business owners who have bad FICO scores. 

Many starter cards require security deposits. These secured business credit cards use the security deposit as your credit limit. You can get the security deposit back if you switch your card to an unsecured credit card or close your card. Business owners can use these cards to build credit so they can qualify for more attractive credit cards in the future. 

The first business credit card you receive likely won’t be your last. As your business credit score improves, more options will become available to you. It is a good idea to compare business credit cards based on annual fees, rewards, balance transfer fees, and other perks.

Do you need a business credit card?

You may not need a business credit card when you are getting started with a sole proprietorship. Business owners can use their personal cards for business expenses. However, a business card can make it easier to manage your finances and distinguish personal assets from business assets. 

Business credit cards also have features and perks that you won’t find with personal cards, such as the ability to give each employee a corporate card. These cards can also strengthen your authority and leave a better first impression with business partners. 

Business owners who need access to more funds should also consider business credit cards. Building business credit with on-time payments can help you qualify for better business financing that you won’t get with a personal credit score. You can borrow more capital if you have a good business credit score, and a business credit card can help you reach lenders’ benchmarks.

Can you get a business credit card immediately?

It’s possible to get a business credit card immediately. Many issuers let you know within minutes if you are approved for a card or not. You will have to go through the application process before receiving a decision. It can take several minutes to apply for a card.

Once you get approved, the card issuer will mail a copy of your physical card. However, most issuers also provide a virtual credit card so you can start using it right away.  It’s easier than ever to get a business credit card, and many issuers offer choices for startup founders and individuals with bad credit or no credit history. 

Get a corporate card without making a personal guarantee 

While many companies offer credit cards, most of them require personal guarantees. These guarantees make you personally responsible if your business cannot cover the debt. Luckily, you can get a Ramp corporate card for your company without a personal guarantee. 

You don’t need the best credit score to get a Ramp card, and you won’t even go through a credit check. Your score will stay intact throughout the application process, and you’ll also receive cashback on purchases. Ramp makes it easy to issue corporate cards for each of your employees and stay on top of their spending.

Ready to see how Ramp can help your business? Schedule a free demo to learn what perks you can enjoy as a Ramp cardholder.

Try Ramp for free
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CPFC, Contributor Finance Writer
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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