The best instant or pre-approved business credit cards in May 2025

Business credit card pre-approvals aren’t as common as they are for personal credit cards, but they are possible. In some instances, you can receive pre-approval for a business credit card directly from the card provider’s website.

Instead of waiting for pre-approval, you can also apply for cards that are known for their speedy, near-instant approval times. In this article, we’ll cover how pre-approval differs from instant and guaranteed approval—and highlight our top business credit cards with easy pre-approval or fast decisions, including:

• Ramp Business Credit Card
• Capital One Spark 2X Miles
• FNBO Business Edition® Secured Mastercard® Credit Card
• Capital on Tap Business Credit Card
• Marriott Bonvoy Business® American Express® Card

Here’s what you need to know before applying, and how to choose the right option for your business.

What to look for in a business credit card with fast approval

If you're launching your first venture or managing a growing business, quick access to credit can accelerate your progress. Business credit cards with instant approval or easy pre-approval let you act fast, without waiting weeks for a decision. Here's what to prioritize based on your company's size and how urgently you need capital.

Small business owners

When you're running a small business, speed and simplicity are key. Instant approval gives you the power to jump on opportunities and cover expenses right away. These cards can also help you build credit early without putting your personal finances at risk.

What to look for:

• Pre-approval or soft pull options so you can check eligibility without affecting your personal credit
• Cards that approve based on business revenue or cash flow instead of credit score
• Low-barrier cards that don't require years of business history to qualify
• Fast access to virtual cards so you can start spending immediately after approval

Startups

If you're running a startup, you need flexible financing that keeps pace with your growth. Fast approval ensures you can move quickly, whether you're onboarding vendors, hiring, or scaling operations. With the right card, you can start spending the same day you apply.

What to look for:

• Cards that evaluate cash on hand or VC funding for approval instead of credit history
• Instant-issue virtual cards for online subscriptions, software, or digital ads
• Expense tracking features that simplify burn rate analysis
• 0% APR intro periods for early-stage purchases without interest pressure

Mid-size companies

If you're managing a mid-sized business, you need fast approval but also robust features. Look for card programs that balance speed with scalability. The best options combine easy onboarding with tools that support your growing teams and budgets.

What to look for:

• Multi-user support with immediate card issuance for team members
• Spend controls that you can configure right after approval
• Real-time dashboards for tracking company-wide purchases from day one
• Pre-set workflows and integrations that minimize setup time

Enterprise companies

For large organizations, rapid onboarding at scale is crucial. Cards with streamlined application processes and integrations help keep your operations moving. Instant access to company-wide spend tools ensures new initiatives don't get held up by admin delays.

What to look for:

• Bulk provisioning of employee cards with quick onboarding
• Pre-integration with your ERP and accounting systems for immediate sync
• API access that enables instant card creation and spend limits
• Dedicated account teams to expedite implementation and policy setup

Fast approval doesn't have to mean limited functionality. By focusing on cards that offer both immediate access and long-term utility, you can support your business's next steps, whether that's launching, scaling, or streamlining spend. The right card will give you the speed and features you need to keep moving forward.

5 best business credit cards with pre-approval or instant approval

Here are our top picks for business owners looking for credit card issuers with speedy account openings.

Ramp Business Credit Card

Ramp Business Credit Card

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Annual Fee

$0

APR

N/A

Pros & Cons

Pros:

• No annual fees or interest
• Custom spend and vendor controls
• High credit limits
• Automatic receipt matching and expense categorization

Cons:

• Only available to corporations, LLCs, and LPs
• As a charge card, balance can't be carried monthly
• Must have $25,000 in a business bank account to qualify

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The Ramp Business Credit Card is designed to simplify expense management for businesses. It offers advanced financial tools, including customizable spending controls, real-time transaction tracking, and automated expense categorization. Ramp also enables businesses to issue unlimited free physical and virtual employee cards without the burden of annual fees, foreign transaction fees, or interest charges.

To qualify for the Ramp card, businesses must maintain a minimum of $25,000 in a U.S. business bank account. Operating as a charge card, Ramp requires the full balance to be paid in full each month. This encourages responsible spending and helps businesses avoid accruing debt. In addition to these benefits, Ramp offers cashback rewards on purchases and seamlessly integrates with popular accounting software like QuickBooks, Xero, Sage Intacct, and NetSuite, streamlining financial workflows and improving overall efficiency.

Key features:

• Cashback on purchases
• Unlimited free physical and virtual employee cards
• Real-time tracking and automated expense categorization
• Customizable spending controls and approval workflows
• Integration with accounting software like QuickBooks, Xero, Sage Intacct, and NetSuite
• Access to partner discounts and rewards
• Requires a minimum $25,000 balance in a U.S. business bank account

Capital One Spark 2X Miles

Capital One Spark 2x Miles

Annual Fee

$0 intro for the first year; $95 thereafter

APR

25.24% (variable)

Foreign Transaction Fees

$0

Rewards

Miles

Pros & Cons

Pros:

• Unlimited 2x miles on all purchases
• No foreign transaction fees
• Transfer miles to over 15 travel loyalty programs
• Up to $120 credit for Global Entry or TSA PreCheck®

Cons:

• Annual fee after the first year
• No introductory APR offer
• High standard APR

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The Capital One Spark 2X Miles rewards cardholders with two miles for every dollar spent on purchases, offering valuable points that can be redeemed for travel or transferred to a wide range of airline and hotel loyalty programs. It also provides a credit for Global Entry or TSA PreCheck and grants access to airport lounges.

The annual fee, while waived for the first year, applies thereafter, which may not be ideal for businesses with tight budgets. Moreover, the card's rewards structure is heavily focused on travel, making it less suitable for businesses that prioritize cashback rewards or incur significant expenses in areas other than travel.

‍Key features:

• $0 annual fee for the first year, then $95
• 2x miles on all purchases
• Global Entry/TSA PreCheck credit
• Access to travel partners for mile transfers

First National Bank Of Omaha Business Edition Secured Mastercard

First National Bank Of Omaha Business Edition Secured Mastercard

Annual Fee

$39

APR

24.99% variable

Pros & Cons

Pros:

• High credit limits
• Doesn’t require a good credit score
• Interest can be earned on the security deposit

Cons:

• $39 annual fee
• A deposit equal to 110% of the credit limit is required
• No unsecured card option

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To qualify for the First National Bank of Omaha Business Edition® Secured Mastercard, you'll need to make a security deposit equal to 110% of your desired credit limit, which can range from $2,000 to $10,000. While it doesn't offer traditional rewards, you can earn rebates at select merchants through the Mastercard Easy Savings® program.

The card carries an annual fee of $39 and can help build business credit by reporting your responsible spending activity to major credit bureaus.

Key features

• Request your own credit limit if you deposit between $2,000 and $10,000
• $39 annual fee
• Variable 25.99% APR on purchases and balance transfers
• Auto rental insurance
• Cash flow management tools
• Mobile receipt management

Capital On Tap Business Credit Card

Capital on Tap Business Credit Card

Annual Fee

$0

APR

17.49%–57.49% variable

Pros & Cons

Pros:

• Simple 1.5% cashback on all purchases
• Fast application and approval process
• No annual or foreign transaction fees
• High credit limits available

Cons:

• 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

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The Capital On Tap Business Credit Card offers a straightforward rewards program and a user-friendly application process. Cardholders earn a flat 1.5% cash back on all purchases, with the potential to increase this rate to 2% by enrolling in weekly autopay.

It offers competitive credit limits up to $50,000, though its interest rates can be high if you carry a balance.

• 1.5% cash back on all purchases with potential to increase 2%
• No annual fee
• Competitive credit limits up to $50,000

Marriott Bonvoy Business American Express Card

Marriott Bonvoy Business American Express Card

Annual Fee

$150

APR

19.99–28.99% (variable)

Pros & Cons

Pros:

• Elite status boost to Marriott Gold
• Annual Free Night Award
• Earn 4x points at Marriott and 2x points on travel booked through Amex

Cons:

• Low earnings on non-Marriott purchases
• Limited utility for non-Marriott stays
• Modest annual fee

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The Marriott Bonvoy Business American Express Card is useful for businesses that frequently stay at Marriott hotels. Cardholders earn valuable Marriott Bonvoy points on eligible purchases, including 6x points per dollar at participating Marriott properties.

This card also provides an annual free night award, 15 elite night credits towards Marriott Bonvoy elite status, and a discount on eligible Marriott bookings. That said, it has a $150 annual fee.

Key features:

• Earns Marriott Bonvoy points
• Comes with complimentary Gold Elite Status, a free night award, and discounts on stays
• Annual fee of $150

Summary of best pre approval business credit cards

Card comparison

Ramp Business Credit Card

The fastest, easiest way to manage expenses.

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Best overall card with easy approval

Card details

• Business credit card and spend management platform
• Cashback rewards on purchases
• Unlimited employee cards with custom spending limits
• Accounts payable software
• Uses business revenue to determine eligibility and credit limit

Annual Fee

$0

APR

N/A

Capital One Spark 2X Miles

Best for flat-rate travel rewards

Features overview

• Business credit card designed for frequent travelers
• Create and manage virtual cards in your online account or through Capital One’s Google web extension
• Flat-rate rewards on all purchases, plus heightened rewards on select travel purchases
• Statement credit toward Global Entry or TSA PreCheck membership
• Option to transfer miles to a variety of airline and hotel partners

Annual Fee

$0 for the first year, then $95

APR

25.24% variable

FNBO Business Edition® Secured Mastercard® Credit Card

Best for rebuilding credit

Card details

• Credit limit ranges from $2,000 to $10,000 depending on the size of your deposit
• Zero liability for fraudulent charges
• Save on purchases with automatic rebates
• Cash flow management
• Mobile receipt management

Annual Fee

$39

APR

24.99% variable

Rewards

Earn interest on security deposit

Capital on Tap Business Credit Card

Best for flexible rewards

Card details

• 1.5% cashback on all purchases, with no caps or restrictions
• Enroll in weekly autopay to get 2% cashback on purchases
• $0 annual fee and no foreign exchange fees
• Free employee cards with spend controls
• Offers unlimited employee cards and integrations with accounting software
• Choose between Free Rewards or Business Rewards cards

Annual Fee

$0

APR

17.49%–57.49% variable

Marriott Bonvoy Business American Express Card

Best for Marriott loyalists

Card details

• Marriott Gold Elite status, which includes late checkout and free Wi-Fi
• Annual Free Night Award worth up to 35,000 Marriott Bonvoy points
• 4x points on Marriott purchases
• 2x points on other purchases

Annual Fee

$150

APR

19.99-28.99% (variable)

At Ramp, transparency and integrity are core values guiding our content. We believe in the exceptional value of our products, which may shape our perspective. Our methodical approach involves competitor analysis, comparison of credit cards, and frequent reviews to maintain reliability. Review our full methodology for choosing the best business credit cards.

The difference between pre-approval, instant approval, and guaranteed approval

Although pre-approval, instant approval, and guaranteed approval may appear alike, they have separate meanings and can affect your credit score differently. The difference largely comes down to when a hard credit check is pulled from the credit bureaus.

What is pre-approval?

A pre-approval is a business credit card offer directly from the provider, which often requires an existing relationship. It indicates you've met the initial requirements based on public data or a soft credit pull, which doesn't impact your credit score. A hard inquiry and underwriting occur after you submit the application, when the lender reviews your financials to decide if they'll issue you the card.

Pre-qualified vs. pre-approved

What is the difference between prequalification and pre-approval? Prequalification is a less formal process that gives you a rough estimate of how much you might be able to borrow, while pre-approval is a more formal process that involves a soft credit check and analysis of your public data.

What does instant approval mean?

Instant approval is an immediate decision after submitting your application, typically involving a hard credit check. In most cases, you’ll know if you got these cards within a minute or two. Just be aware that a hard credit inquiry will temporarily affect your credit score, so you shouldn’t apply for too many instant approval cards at once.

What is guaranteed credit approval?

Guaranteed approval credit cards are designed for consumers with limited credit history, fair credit, or bad credit who experience challenges with approval. These are typically secured business credit cards and require a security deposit that becomes your credit limit. They have much higher interest rates, but they offer a way to build your company's credit score if you've experienced financial hardships in the past.

How long does it take to get approved for a credit card?

While some business credit card applications are approved almost instantly, there are factors that may affect how quickly you receive a decision. Credit card companies must carefully examine both your business financial records and, in some cases, your personal credit score.

Reasons you may not get approved instantly include:

• Discrepancies on your credit application vs. your credit report
• Entering inaccurate details in your application
• Having poor credit or frozen credit

Ultimately, the speed of approval depends on the accuracy of your application and your creditworthiness.

How to prequalify for a business credit card

Prequalification for a business credit card typically isn't a formal process, and many card issuers offer pre-approval checks on their websites.

To check for pre-approval, provide some basic information about your business, including its name, annual revenue, and the length of time you've been in business.

As aforementioned, the pre-approval process usually involves a soft credit check, which won't impact your credit score. This is a great way to get a better idea of which cards you might qualify for without impacting your credit score.

If you're pre-approved, you'll receive an offer for a specific card. Keep in mind that pre-approval doesn't guarantee approval. A full application will still require a hard credit check.

Can you get a business credit card when you first start your business?

You can qualify for business credit cards when you first start your business by offering a personal guarantee. Just look for cards that use your personal credit history instead of an EIN number if you don’t have one yet.

That said, it’s recommended to get an EIN number as soon as you start your business. You can start building your business credit score by applying for business credit cards with EIN instead of your personal SSN.

» Learn more: How to get a business credit card with EIN only

Ramp: A business credit card with a hassle-free application

If you’re looking for business credit, consider Ramp and our hassle-free application process. Ramp offers sales-based underwriting, which means we put more emphasis on your company’s revenue than other factors, like credit history, which can help you access a higher credit limit than other cards.

Ramp is an all-in-one finance automation platform that makes it easier to manage your business’s accounting, bill payments, and expense processes. Here’s an overview of our card features:

• Unlimited cardholders: Get free access to all the employee cards you need.
• Spend controls: You give each employee their own funds. You can also decide what types of purchases they’re able to make and with what vendors.
• Automatic receipt matching: Ramp automatically tracks receipts and categorizes purchases, saving companies hours of accounting time each week.
• Cashback: Ramp offers cashback on purchases when you or your employees swipe the card.
• Real-time insights. Ramp's platform gives you the insights you need to save more money and make more strategic bets on your business.

Looking for a small business card that gives you all the finance tools you need to take your business to the next level? Find out how Ramp can help your business.