10 easiest business credit cards to get in January 2025

• 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

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• 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

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• 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

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• 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 cashback 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

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• 0% intro APR for 12 months
• 2% cashback for the first $50,000 of purchases each year, after which the rate drops to 1%
• No annual fee

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• 2.7% foreign transaction fee
• The rewards program isn’t as attractive for companies with high business expenses
• 3% balance transfer fee

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• 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

• Rewards on all categories
• No annual fees
• Fair credit accepted
• Allows balance carry

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• Not available to sole proprietors or unincorporated businesses
• Automatic payments required

• 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

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• It’s a step up from the Capital One Spark Classic
• 0% intro APR for the first 12 months
• No annual fee

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• You need good credit to get this card
• 5% fee for cash advances
• Credit lines as low as $1,000

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• 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

• 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

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