10 easiest business credit cards to get in September 2024
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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
What are the easiest business credit cards to get?
Secured 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.
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 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.
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 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, you can apply without providing your SSN for a credit check, but you’ll need to have enough business revenue to qualify.
What credit score do you need for a business credit card?
Most 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 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.
FAQs
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- 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
- Cashback rewards on purchases
- Built-in expense management software
- No personal guarantee or credit check required
- Must be a registered business to qualify
- Must have most of your business spend in the US
- 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
- Set custom spending controls based on individual vendors and other factors
- High credit limit based on revenue or dollars raised
- No personal credit score is required
- No annual fee
- Daily repayment is required in some cases
- You must have at least $50,000 in your business checking account to get a card
- You cannot carry a balance over to the next billing cycle
- 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
- Easy to get even if you don’t have the best credit score
- Build business credit
- Earn interest on your security deposit
- $39 annual fee
- You must make a $2,000 security deposit or higher to get a card
- 5% fee for balance transfers and cash advances
- 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
- Available for people with fair credit
- Unlimited 1% cashback
- No annual fee
- Lower cashback than other business credit cards
- 29.99% variable APR is higher than most cards
- The credit line can be as low as $300
- $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
- No annual fee
- The opportunity to receive an unsecured business card if you qualify in a few months
- Unlimited 1.5% cashback
- 4% balance transfer fee
- A security deposit of at least $1,000 is required
- No introductory APR
- 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
- 0% APR for the first 12 months
- $750 bonus cash back if you qualify
- 0% APR for the first 12 months
- 5% fee for balance transfers and cash advances
- No bonus categories for rewards
- 3% foreign transaction fee
- 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
- 0% intro APR for 12 months
- 2% cashback for the first $50,000 before unlimited 1% cashback
- No annual fee
- 2.7% foreign transaction fee
- The rewards program isn’t as attractive for companies with high business expenses
- 3% balance transfer fee
- Free company cards with spending controls
- Credit limits as high as £250,000
- Auto-sync with accounting software
- Variable rates as low as 15.5% APR
- Track card spending in real-time
- Preload your account to spend beyond your credit limit
- Business rewards offers additional perks but costs £99 per year
- Use preloading to spend beyond your credit limit
- Rates are as low as 15.5% APR (variable rate)
- High credit limits
- You must have a Business rewards account to qualify for the welcome bonus
- Differences in cashback percentage for U.S. vs. U.K. businesses
- The max credit limit is much lower for U.S. businesses ($50,000 compared to £250,000)
- 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
- It’s a step up from the Capital One Spark Classic
- 0% intro APR for the first 12 months
- No annual fee
- You need good credit to get this card
- 5% fee for cash advances
- Credit lines as low as $1,000
- Earn 15,000 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
- Start with 2% cashback
- No annual fee
- 0% APR for the first 12 months
- Cash rewards drop to 1% on all purchases after $50,000 each year
- 3% balance transfer fee
- 2.7% foreign transaction fee