- What are the easiest business credit cards to get approved for?
- Side-by-side look at the easiest business credit cards
- What makes a business credit card easy to qualify for?
- How to choose between secured and unsecured business credit cards
- Do you really need a business credit card if you're just starting out?
- What documents and details do most issuers require up front?
- Tips to get approved for a business credit card faster
- 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
The easiest business credit cards to get approved for are secured business cards, fair-credit unsecured cards, and corporate charge cards that don't require a personal credit check or personal guarantee. Secured cards back your credit line with a refundable deposit, fair-credit cards accept scores as low as 580, and corporate cards like Ramp evaluate your company's cash flow instead of your personal credit history.
What easy to get really means is fewer qualification hurdles. Instead of demanding a 670+ personal credit score and years of financial statements, these cards evaluate alternative criteria: your business revenue, monthly deposits, or a security deposit. That gives you three distinct approval paths depending on where your business stands today.
If your credit is limited or damaged, secured cards offer the lowest barrier: put down a deposit, and your credit line matches it. If you have fair credit and some operating history, unsecured cards from issuers like Capital One give you access without tying up cash.
And if your business has consistent revenue but you'd rather keep personal credit out of the equation, corporate cards like Ramp are worth considering. They approve based on cash flow alone, with no personal guarantee required.
The eight easiest business credit cards to get in 2026:
- Ramp Business Credit Card
- Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card
- Chase Ink Business Unlimited Credit Card
- Valley Visa Secured Business Credit Card
- Capital One Spark 1% Classic
- FNBO Business Edition Secured Mastercard Credit Card
- Capital on Tap Business Credit Card
- Nav Prime Card
Note: The cashback percentages, limits, fees, and other figures mentioned in this article are for illustrative purposes only. They do not represent guaranteed or expected rates. Actual terms, credit limits, rewards, and approval criteria vary by card issuer and may change at any time. Readers should verify current details directly with each issuer before applying.
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 card requires an initial deposit that acts as your credit limit.
- 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 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.
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 70,000 companies use Ramp, and you can join customers who've saved over $12 billion and 27.5 million hours through automation. Beyond getting approved faster, you get 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
If you need to strengthen your business credit, the Bank of America® Secured credit card 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 if you're just getting started.
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 if you want consistent rewards without juggling categories. It offers unlimited flat-rate cash back on every purchase and 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. There's no annual fee.
Key features:
- Unlimited 1.5% cash back on all purchases
- $750 bonus cash back after spending $6,000 in the first 3 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 business owners who 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 if you don't yet qualify for an unsecured card. The Valley Visa also reports 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 if you 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 a strong option if you want higher credit limits while building or repairing your credit profile. Unlike many secured cards that keep limits low, FNBO allows deposits of up to $110,000, giving you significant purchasing power.
The FNBO card reports to major business credit bureaus, giving 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 a good fit if you need funding fast and want to earn cash back without juggling categories.
The platform also includes tools for managing multiple employee cards, though 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
If you're looking to grow your business credit history, the Nav Prime Card 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 if your company is new or has 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
Side-by-side look at the easiest business credit cards
Each of these cards targets a different approval profile, fee structure, and credit-building path. Around 58% of small business owners face challenges accessing financing, so choosing the right card for your situation matters.
Card feature comparison
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
16.74%–24.74% (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
At Ramp, transparency and integrity are core values guiding our content, which may reflect our confidence in our products. Our approach involves competitor analysis, card comparisons, and frequent reviews.
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, if your score falls below that threshold, you're not alone.
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 if you're a startup without an operating history.
| Factor | Traditional business credit cards | Fintech business credit cards |
|---|---|---|
| Credit score requirement | Often requires 670+ personal score | May approve with 580–600 secured or based on revenue or cash flow |
| Revenue threshold | Usually $100,000+ in annual revenue | Often $10,000–$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 | 1–2 weeks on average | 1–2 days using automated reviews |
| Flexibility | Limits fixed and adjusted through manual requests | Dynamic limits that adjust with revenue trends |
If you run a small business, 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 580–600 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 means you can qualify even if a bank would turn you down.
When issuers show flexibility in how they view credit, you gain access to working capital even without a perfect score. This gives you a path to establish credit history even with a limited track record.
Revenue and cash flow requirements
Traditional banks often look for at least $100,000 in annual business revenue before extending business credit. This makes it harder for you to qualify if you're in an early stage. 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–$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.
If you deposit $15,000 per month consistently, a fintech card like Ramp can approve you based on that cash flow pattern. Your annual revenue doesn't need to hit the traditional $100,000 threshold.
As your revenue grows, your credit limits adjust dynamically. Fintech issuers recalculate your available credit based on real-time deposit activity, so your purchasing power scales with your business.
Personal guarantee
A personal guarantee means you take personal responsibility for repayment if your business can't cover the balance. Most traditional issuers require this step. It ties your personal credit profile and assets to the account.
Cards that don't 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.
However, these cards can tie up cash you could otherwise use for operations. If your working capital is tight, placing several thousand dollars in a deposit can create short-term strain.
Business age
Traditional banks often prefer at least 2 years of operating history before they extend credit. However, nearly 35% of small businesses applying for financing are less than 5 years old. This puts you at a disadvantage if you apply through a bank.
Fintech issuers reduce this barrier by working with you even if you have just a few months of activity, as long as 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.
Fintech issuers like Ramp can evaluate your business with as little as a few months of banking history, provided deposits are consistent. Consistent activity means regular deposits without unexplained large outflows. Issuers look for a predictable pattern of income, not necessarily a specific dollar amount held at all times.
How to choose between secured and unsecured business credit cards
The right card type depends on your credit profile, cash reserves, and timeline. Secured cards require a refundable deposit that acts as your credit limit. Unsecured cards don't require a deposit but typically need stronger credit or revenue to qualify.
| Feature | Secured cards | Unsecured cards | Corporate cards |
|---|---|---|---|
| Deposit required | Yes (refundable) | No | No |
| Credit score needed | Any (including poor) | Fair to good (580+) | Not checked |
| Typical limits | Matches deposit amount | $5,000–$50,000 | Based on cash flow |
| Rewards | Limited or none | 1%–2% cashback common | Cashback on all purchases |
| Path to upgrade | Upgrade to unsecured after 6–12 months | Already unsecured | N/A |
| Personal guarantee | Sometimes | Usually required | Not required |
- When a secured card makes sense: You're building business credit from scratch, your personal credit score is below 580, or you want the lowest-risk entry point. The deposit requirement means almost anyone can qualify, and responsible use over 6–12 months can lead to an unsecured upgrade.
- When an unsecured card makes sense: You have fair-to-good credit and don't want to tie up cash in a deposit. Unsecured cards typically offer better rewards and higher limits, but they come with stricter approval criteria and often require a personal guarantee.
- When a corporate card makes sense: You have consistent business revenue but want to keep personal credit out of the equation entirely. Corporate cards like Ramp don't check your personal credit score, don't require a personal guarantee, and set limits based on your company's cash flow, often approving you in under 48 hours.
Do you really need a business credit card if you're just starting out?
A business credit card gives you a way to cover early expenses, build a credit profile, and separate business from personal finances from day one. Starting a business often means unpredictable costs and limited cash reserves. Having credit to cover essentials like software, advertising, and initial supplier orders keeps you from draining cash.
In the early months, this access bridges the gap between paying 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, which 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. Without a credit history, lenders are less willing to approve you.
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're 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 isn't 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 you may find fintech cards the easiest to qualify for.
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're 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 |
Tips to get approved for a business credit card faster
Getting approved doesn't have to take weeks. A few moves before you apply can improve your odds and speed up the decision.
- Match your profile to the right card type: Choose secured if you're building credit, corporate if you have cash flow, or unsecured if you have fair-to-good credit. Applying for the wrong tier wastes hard inquiries and delays access to credit you actually qualify for.
- Separate your business and personal finances: Open a business bank account and get an EIN before applying. Clean separation signals legitimacy to underwriters and gives issuers a clearer picture of your business's financial health.
- Strengthen your cash flow signals: Keep consistent deposits in your business account and reduce unexplained outflows. Fintech issuers like Ramp evaluate your deposit patterns during the application, so 2–3 months of steady activity makes a difference.
- Build your business credit file: Pay vendors who report to credit bureaus on time. A visible payment history reduces perceived risk and can lead to higher starting limits when you apply for easy-to-get business credit cards.
- Prepare your documents before applying: Gather your EIN, legal entity docs, recent bank statements, and revenue details. Complete documentation speeds up decisions and prevents back-and-forth that delays approval.
- Start with a conservative limit if needed: Accepting a lower initial limit or a secured card gives you an approval foothold. You can request an increase or upgrade to an unsecured card later with 6–12 months of responsible use.
- Time your application after a strong month: Apply after positive milestones: a strong revenue month, a new contract, or a funding round. Issuers evaluate the financial snapshot at the time you apply, so timing matters for new business owners applying for credit.
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.
| Fee type | Typical range | Ramp's approach |
|---|---|---|
| Foreign transaction fees | ~3% per transaction | $0 |
| Late payment fees | $25–$40 per occurrence | $0 |
| Employee card fees | $0–$25 per card | $0 (unlimited cards) |
| Penalty APR | Up to 29.99% | N/A (no interest) |
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–$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's no grace period, so if you rely on cash advances, you 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. If you're already managing tight margins, these higher rates can strain your 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 your overhead if you operate globally.
Which types of businesses benefit most from easy-approval cards?
If you're a startup, solo entrepreneur, seasonal business, or a company rebuilding after a setback, easy-approval cards lower the barriers that traditional financing often puts in your way. Only about 44% of small business loan applicants receive the full amount they request, leaving you 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
If you're a new company, you may face rejection when applying for loans or traditional credit lines because you haven't 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. These cards also report to business credit bureaus, helping you build a profile that makes larger financing options more realistic down the road.
Solo entrepreneurs and microbusinesses
If you're a freelancer, consultant, or running a very small operation, you typically don't 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. If you run a microbusiness (nearly 92% of U.S. companies operate at that scale), this gives you legitimacy and lays a foundation for future growth.
Seasonal businesses managing cash flow swings
If you run a retail shop, organize events, or operate a travel business, your revenue may spike for part of the year and slow in other months. Traditional financing doesn't 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
If you've struggled with late payments, high debt, or closures, you 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, using these cards responsibly rebuilds 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 2 weeks to 1–2 days, giving them back valuable time to focus on growth instead of paperwork.
Companies with frequent international purchases
If you rely on overseas suppliers or travel for operations, you 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. If you're in import, e-commerce, or consulting, having quick approval for a card that works globally prevents delays and ensures your suppliers get paid on time.
How Fi overcame traditional credit card limitations with Ramp
Switching to Ramp gave Fi's finance team higher credit limits, stronger security, and automated expense management, solving the problems their previous cards couldn't handle. 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." Limited card numbers forced team members to share card information, compromising security.
Ramp eliminated those barriers by providing higher credit limits and features built for growing companies. Fi was spending several million dollars through Ramp within weeks of getting started.
Switching to Ramp resulted in:
- Higher credit limits: Removed the constraints of traditional cards
- Enhanced security: Virtual cards replaced shared physical card information
- Automated receipt management: Eliminated manual follow-up
- Real-time spend monitoring: Predetermined limits and automatic alerts
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
You can get approved for the Ramp Corporate Card in less than 48 hours on average, with 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
Try an interactive demo to learn about all the benefits you get as a Ramp cardholder.
FAQs
Traditional banks may take 1–2 weeks because they review credit reports and financials manually. Fintech issuers like Ramp often approve applications in 1–2 days by connecting to your bank account and analyzing real-time cash flow.
Most banks run a hard inquiry on your personal credit during the application, which can temporarily lower your score. Fintech and corporate cards like Ramp skip this step entirely and evaluate your business revenue instead, so your personal credit stays untouched.
Some issuers accept an Employer Identification Number (EIN) paired with an Individual Taxpayer Identification Number (ITIN). Availability varies by provider, so check each issuer's requirements before applying.
The IRS generally treats rewards earned from regular spending as rebates, so they aren't taxable. The IRS may classify sign-up bonuses or referral rewards unrelated to purchases as income, so track them separately with your accounting software.
Business lines of credit have different qualification criteria than credit cards. Secured credit cards and corporate charge cards like Ramp are typically the easiest to qualify for. For business lines of credit specifically, online lenders like Bluevine and Fundbox often have lower requirements than traditional banks.
“Browserbase builds infrastructure so AI agents can do real work. Ramp is doing the same for finance. It’s not another tool. It’s a system purpose-built for AI-driven finance, and that’s why we chose Ramp as our financial operating system from day one.”
Paul Klein IV
Founder & CEO, Browserbase
“We used to pay up to $20k a year for our AP platform. With Ramp, we’re earning back well over that amount. That's money that belongs to the mission now, not to the back-office software.”
Heidi Coffer
Chief Financial Officer, Boys & Girls Clubs of San Francisco
“The tricky thing about corporate travel policy is timing. We didn't need a stricter policy. We needed the policy to show up earlier. With Ramp Travel, it finally does.”
Keith Frantz
Director of Enterprise Risk Management, Prosper
“We're accountable to our funders, our partners, and the families we serve. That accountability starts with how we manage every dollar. Ramp makes it easy for our team to spend wisely, track in real time, and keep overhead low so more resources reach the families navigating infertility.”
Rachel Fruchtman
CFO, Jewish Fertility Foundation
“Each member of our team has an outsized impact due to our focus on using high-leverage tools like Ramp.”
Lauren Feeney
Controller, Perplexity
“With Ramp, we haven’t had to add accounting headcount to keep up with growth. The biggest takeaway is that instead of hiring our way through it, we fixed the workflow so we can keep supporting the organization as we scale.”
Melissa M.
VP of Accounting at Brandt Information Services
“In the public sector, every hour and every dollar belongs to the taxpayer. We can't afford to waste either. Ramp ensures we don't.”
Carly Ching
Finance Specialist, City of Ketchum
“Compared to our previous vendor, Ramp gave us true transaction-level granularity, making it possible for me to audit thousands of transactions in record time.”
Lisa Norris
Director of Compliance & Privacy Officer, ABB Optical
