Best Business Credit Cards for Instant Approval of 2026
Preapproval isn't common among business credit cards. But these cards may offer nearly instant approval once you apply.
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The American Express Blue Business Cash™ Card
Best for Cash-back business card
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Spark Miles for Business
Best for Business travel card
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Capital on Tap Business Credit Card
Best for Business owners with fair credit
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Brex Card
Best for Startups with outside investment
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
BILL Divvy Corporate Card
Best for Corporate card with more flexible qualification requirements
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
The Blue Business® Plus Credit Card from American Express
Best for AmEx Membership Rewards
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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Cash Back - Points
- Miles
- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
- Bad (<629)
- No credit check
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Showing 0 out of 6 cards
The American Express Blue Business Cash™ Card
Best for Cash-back business card
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This no-annual-fee card may be a good fit for fast spending thanks to its long introductory APR offer, plus a solid cash-back rate.
If you need to make an immediate purchase, American Express offers instant card numbers for almost all of its small-business cards, according to a company spokesperson. (Its co-branded cards are exceptions; however, cardholders can spend instantly with the co-branded merchant.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This no-annual-fee card may be a good fit for fast spending thanks to its long introductory APR offer, plus a solid cash-back rate.
If you need to make an immediate purchase, American Express offers instant card numbers for almost all of its small-business cards, according to a company spokesperson. (Its co-branded cards are exceptions; however, cardholders can spend instantly with the co-branded merchant.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
Rates & Fees
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Capital One Spark Miles for Business
Best for Business travel card
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
This is one of the best business travel cards, with no caps or restrictions on the points you can earn. There’s also no annual fee for the first year and a solid welcome offer.
Business owners who are approved for a Capital One business credit card can call the issuer's dedicated small-business support line to see whether they qualify for an instant virtual card number. Not all owners will qualify. Those who don’t need to wait seven to 10 business days for their physical card to arrive.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
This is one of the best business travel cards, with no caps or restrictions on the points you can earn. There’s also no annual fee for the first year and a solid welcome offer.
Business owners who are approved for a Capital One business credit card can call the issuer's dedicated small-business support line to see whether they qualify for an instant virtual card number. Not all owners will qualify. Those who don’t need to wait seven to 10 business days for their physical card to arrive.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Capital on Tap Business Credit Card
Best for Business owners with fair credit
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap says most applicants get a decision within 24 hours. If approved, you’ll get instant access to your virtual card so you can start using it immediately, plus your physical card within four days.
This is also one of the few business cards available to business owners with fair credit. Beyond instant spending power and flexible approval, the card offers unlimited cash back on all purchases, 24/7 customer support and business-friendly features, including real-time spending insights and employee cards with customizable spending limits.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap says most applicants get a decision within 24 hours. If approved, you’ll get instant access to your virtual card so you can start using it immediately, plus your physical card within four days.
This is also one of the few business cards available to business owners with fair credit. Beyond instant spending power and flexible approval, the card offers unlimited cash back on all purchases, 24/7 customer support and business-friendly features, including real-time spending insights and employee cards with customizable spending limits.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Brex Card
Best for Startups with outside investment
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
This card is available to well-funded, incorporated businesses — not sole proprietors. But it looks at cash flow and revenue, rather than the business owner's personal credit history, to determine creditworthiness.
If approved, you’ll get instant access to your virtual card number and can issue virtual cards for employees as well. This card also doesn't require a personal guarantee and it earns rewards.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
This card is available to well-funded, incorporated businesses — not sole proprietors. But it looks at cash flow and revenue, rather than the business owner's personal credit history, to determine creditworthiness.
If approved, you’ll get instant access to your virtual card number and can issue virtual cards for employees as well. This card also doesn't require a personal guarantee and it earns rewards.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
BILL Divvy Corporate Card
Best for Corporate card with more flexible qualification requirements
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
This card requires a personal credit check, but it's a soft pull. That’s similar to pre-qualification in that applying has no effect on your personal credit score.
BILL also considers factors like cash balances. Its threshold for those (typically at least $20,000) is lower than other corporate cards, making it potentially more accessible for some business owners. Its also the rare corporate card available to sole proprietors.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
This card requires a personal credit check, but it's a soft pull. That’s similar to pre-qualification in that applying has no effect on your personal credit score.
BILL also considers factors like cash balances. Its threshold for those (typically at least $20,000) is lower than other corporate cards, making it potentially more accessible for some business owners. Its also the rare corporate card available to sole proprietors.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
The Blue Business® Plus Credit Card from American Express
Best for AmEx Membership Rewards
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card mirrors The American Express Blue Business Cash™ Card. Except instead of cash back, you’ll earn Membership Rewards points.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card mirrors The American Express Blue Business Cash™ Card. Except instead of cash back, you’ll earn Membership Rewards points.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Jump to
How long does it take to get approved for a business credit card?
How long does it take to get a business credit card?
Can you get preapproved for a business credit card?
What's the difference between preapproval, pre-qualification and instant approval?
Are there instant approval business credit cards for bad credit?
How to get fast approval on a business credit card
Table of Contents
- How long does it take to get approved for a business credit card?
- How long does it take to get a business credit card?
- Can you get preapproved for a business credit card?
- What's the difference between preapproval, pre-qualification and instant approval?
- Are there instant approval business credit cards for bad credit?
- How to get fast approval on a business credit card
How long does it take to get approved for a business credit card?
Some business credit card issuers can offer near-instant approval decisions. But there’s no hard-and-fast rule about how quickly applications can be processed. Credit card companies need to take time to review your business financials as well as your personal credit history.
Factors that could slow down the application process include:
- Having bad credit (typically a personal FICO score below 630) or frozen credit.
- Entering incorrect information on your application.
- Having a discrepancy on your credit report — for instance, if you’ve moved recently, your application could take up to two weeks to be approved.
How long does it take to get a business credit card?
Applying for a business credit card can take just minutes. But you may have to wait a week or longer for a physical business credit card to arrive. You may be able to request expedited shipping for your physical card, though that can come with an extra fee.
Some business card issuers may also offer virtual card numbers to eligible applicants. You can add these to a mobile wallet or otherwise use online while you await your card.
Can you get preapproved for a business credit card?
Preapprovals for business credit cards are not common. The best way to get a business credit card preapproval is to have an existing relationship with the company offering it.
For instance, using one of their other cards responsibly, having strong banking reserves with them or demonstrating some other kind of financial wherewithal (like via online sales) can entice a card issuer to want more of your business.
Most small-business credit cards won't let you pre-qualify before applying, either. But here are some of the best cards with fast approvals, as well as ways to increase your chances of getting a business credit card quickly.
What's the difference between preapproval, pre-qualification and instant approval?
These terms may sound similar, but they have different meanings — and they may affect your credit differently.
A preapproval is a business card application offer that usually comes directly from an issuer. If you've ever gotten a letter or email offering you a business credit card, that's likely the result of a preapproval. Preapprovals are typically based on your existing relationship with that financial institution (for example, if you have a business checking account with them) or that issuer pulling your credit and deciding it wants your business. This kind of credit inquiry is known as a soft pull, and it doesn't affect your credit score.
Pre-qualification is you asking the issuer whether you're likely to be approved. Unlike a preapproval, you have to initiate a pre-qualification. To pre-qualify, you proactively provide the issuer with some basic information about yourself and your business. It then runs a soft credit check to see if you might qualify for the business card you're interested in. Again, the soft pull doesn't ding your personal credit, making pre-qualification a great tool to help you avoid wasting time or impacting your score by applying for a card you can’t get.
Preapprovals and pre-qualification are rare with business cards. When available, they can let you understand potential card options — but neither guarantees you’ll be approved.
Instant approval requires an actual application with a hard credit check. You'll still need to go through the standard application steps, which will involve a hard credit pull that may impact your credit score. That process can end with an instant approval, though — some issuers say they can deliver a decision in as little as 60 seconds after you apply for a business credit card.
Think like a Nerd
Terms like "preapproval" and "pre-qualification" are often thrown around interchangeably. Here's how to figure out what you're applying for.
PreapprovalA preapproval is a business card application offer that usually comes directly from an issuer.
Pre-qualificationA pre-qualification is you asking the issuer whether you're likely to be approved.
Instant approvalAn instant approval requires an actual application with a hard credit check.
Are there instant approval business credit cards for bad credit?
Ultimately, the easiest business credit card to get is one you're qualified for. If you have bad credit, it will be tough to get approved for most business credit cards. Your best bet will likely be a secured business credit card.
With a secured business credit card, you provide a refundable deposit at the opening of the account. This helps reduce the lending risk for the credit card company and helps you start to build business credit.
However, credit limits on secured cards are tied to your deposit. That means these cards may not necessarily be the best fit if you’re looking for an instant approval business credit card because you need to access additional capital quickly.
In that instance, a bad credit business loan may make more sense. You may be able to qualify for a business line of credit, which functions similarly to a credit card, with subpar personal credit. Or if you have outstanding invoices from clients, invoice factoring could turn those into quick cash.
How to get fast approval on a business credit card
Having good to excellent credit (a FICO score of at least 690) and little debt will give you the best chance of fast approval. Most business credit cards require a score of 690 or higher, and some require a score of at least 720.
If you’ve been in business for a while and can provide proof of your business's revenue, that will likely help.
Applying for a card online can also speed up the process. If you're approved, a handful of issuers will give you a virtual card number and credit line right away, which means you can start spending immediately.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.