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Easiest Business Credit Cards to Get of July 2024

You can typically get a secured business credit cards no matter your credit score.
By Kelsey Sheehy
Last updated on July 12, 2024
Edited byRyan Lane
Fact checked and reviewed

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The easiest business credit cards to get are secured options, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card. That's because these cards require a security deposit that acts as your spending limit. As a result, issuers typically have no revenue or personal credit history requirements for applicants.
Secured business cards are a great choice for anyone whose goal is to establish business credit. They aren't always the best business credit cards overall, though. Those cards offer higher reward rates and bigger sign-up bonuses, but they're not easy to get if you don't have good-to-excellent personal credit (typically a FICO score of 690 or higher).
Good business financials won't offset poor personal credit for most small-business cards. But incorporated businesses and LLCs with hefty business bank account and substantial revenue may have another option: corporate cards. Financial technology firms like Ramp or Brex may offer such companies a corporate card — even if their owner has a low FICO score.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The easiest business credit cards to get are secured options, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card. That's because these cards require a security deposit that acts as your spending limit. As a result, issuers typically have no revenue or personal credit history requirements for applicants.
Secured business cards are a great choice for anyone whose goal is to establish business credit. They aren't always the best business credit cards overall, though. Those cards offer higher reward rates and bigger sign-up bonuses, but they're not easy to get if you don't have good-to-excellent personal credit (typically a FICO score of 690 or higher).
Good business financials won't offset poor personal credit for most small-business cards. But incorporated businesses and LLCs with hefty business bank account and substantial revenue may have another option: corporate cards. Financial technology firms like Ramp or Brex may offer such companies a corporate card — even if their owner has a low FICO score.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best easiest business credit cards to get from our partners

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for Secured business credit card

$39

N/A

25.99% Variable

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Business card for fair credit

$0

N/A

18.49%-35.99% Variable APR

Apply now

on Capital on Tap's website

Brex Card

Apply now

on Brex's website

2.9/5

Best for Corporate card for venture-backed businesses

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Corporate card (cash back)

$0

N/A

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5

Best for Corporate card with soft credit pull

$0

N/A

N/A

Apply now

on BILL Spend & Expense's website

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for Secured business credit card

$39

N/A

25.99% Variable

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.8/5

Best for Business card for fair credit

$0

N/A

18.49%-35.99% Variable APR

Apply now

on Capital on Tap's website

Brex Card

Apply now

on Brex's website

2.9/5

Best for Corporate card for venture-backed businesses

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Corporate card (cash back)

$0

N/A

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.7/5

Best for Corporate card with soft credit pull

$0

N/A

N/A

Apply now

on BILL Spend & Expense's website

Discover business products tailored to your needs

Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.

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Our pick for

Secured business credit card

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Intro APR
N/A
Regular APR
25.99% Variable

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Intro APR
N/A
Regular APR
25.99% Variable

Our pick for

Business card for fair credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Intro APR
N/A
Regular APR
18.49%-35.99% Variable APR

Pros

  • Earn unlimited 1.5% cash back on all purchases
  • 24/7 customer service

Cons

  • Not available to sole proprietors, charities or nonprofits
  • Must enroll in automatic payments

Capital on Tap Business Credit Card

NerdWallet rating 

3.8/5
Apply now

on Capital on Tap's website

Annual fee
$0
Intro APR
N/A
Regular APR
18.49%-35.99% Variable APR

Our pick for

Corporate card for venture-backed businesses

Brex Card

Read Review
Apply now

on Brex's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee
  • New cardholder bonus offer
  • Qualify with limited/bad credit
  • Bonus categories
  • No foreign transaction fees
  • No personal guarantee

Cons

  • Complicated rewards structure
  • High capital requirement for approval
  • Daily repayment may be required
  • Not available to sole proprietors

Brex Card

NerdWallet rating 

2.9/5
Apply now

on Brex's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Our pick for

Corporate card (cash back)

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee or foreign transaction fees
  • No personal guarantee or credit check
  • Direct integrations with popular tools and card-level spending controls and alerts

Cons

  • Balance must be paid in full each month
  • Not available to sole proprietors or unincorporated businesses
  • Rewards rate varies and is determined for each customer by Ramp.

Ramp Card

NerdWallet rating 

3.6/5
Apply now

on Ramp's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Our pick for

Corporate card with soft credit pull

BILL Divvy Corporate Card

Read Review
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee
  • Card-level spending controls

Cons

  • Complicated rewards structure with limits on redemption
  • Balance must be paid in full each billing cycle
  • Not available to sole proprietors.

BILL Divvy Corporate Card

NerdWallet rating 

2.7/5
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

NerdWallet's editorial picks: Easiest business credit cards to get

Easy-to-get business cards typically don't offer rewards as good as those available with good-to-excellent personal credit. But these options can still benefit your business. Even if your focus is approval odds, understanding the benefits of a card can help you make the right choice.

Secured business credit cards

Best for: Establishing a business credit profile.

First National Bank Business Edition® Secured Mastercard® Credit Card

The
First National Bank Business Edition® Secured Mastercard® Credit Card
reports card activity to Dun & Bradstreet, one of the three main business credit bureaus, so on-time payments will help build your business credit score. This secured card does require a credit check (personal credit) and security deposit (between $2,000 and $10,000 in multiples of $100) which dictates your credit limit. This card charges a $
39
annual fee.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America® will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee.

Business cards for fair credit

Best for: Tapping into additional financing.
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers
1.5%
cash back on all purchases, no annual fee and the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.
The Capital One® Spark® Classic for Business is one of the few business credit cards available to sole proprietors with fair credit. There aren’t many perks to speak of, but the card has no annual fee and can be a useful tool to build your business credit score and access a credit line without a security deposit. Read our review.

Corporate cards

Best for: Incorporated businesses with strong financials.
The
Brex Card
is available to well-funded incorporated businesses and looks at cash flow and revenue, rather than the business owner's personal credit history, to determine creditworthiness. If approved for a
Brex Card
, you’ll get instant access to your virtual card number and can issue virtual cards for employees as well. The
Brex Card
also earns rewards and doesn't require a personal guarantee. Learn more and apply.
The
Ramp Card
is a corporate charge card available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check and you get built-in expense management and card-level spending controls. Ramp has no annual fee and offers cash back on qualified purchases, but the actual reward rate varies by business. Learn more and apply.
Unlike other corporate cards, the
BILL Divvy Corporate Card
requires at least fair credit to qualify (a FICO score of 650+). However, BILL also considers other qualifications like cash balances, and its threshold for those — typically at least $20,000 — is lower than Bex or Ramp, which might make the
BILL Divvy Corporate Card
easier for some business owners to get. Learn more and apply.

What are the easiest business credit cards to get?

Secured business credit cards are the easiest cards to get because they don’t have strict credit score or revenue requirements. Instead, you pay a deposit that serves as your credit limit. Look for a secured card that has low or no fees and reports to Dun & Bradstreet or another major business credit bureau, so you can build business credit as you use it.
If your personal credit score is above 630 but below 690, your best bet for an easy approval may be a business credit card for fair credit like the
Capital One® Spark® Classic for Business
. These types of cards will offer you increased spending power, and because they're unsecured, no security deposit is required.
Lastly, if your business has strong revenue and at least $50,000 in a business bank account, you may be able to get a corporate card from a fintech company like Ramp or Brex. These cards don’t require a personal credit check or guarantee, so you can apply with only your business's employer identification number (EIN). Corporate cards are only available to incorporated businesses.

How to get approved for a business credit card

The first step toward getting a business credit card is making sure your personal credit is in order. Why? Business credit card issuers look at your personal credit score when deciding whether to approve or deny your business credit card application. So even if you’re a startup with no credit history, that shouldn’t stop you from getting a business card.
You need a FICO score of at least 690 to qualify for most business credit cards, though there are a handful (noted above) that accept lower scores and consider other factors, like business revenue.
Is your FICO score below 630? A secured personal credit card, used responsibly, can help you build your personal credit score, making it easier for you to qualify for a business credit card down the line. You can also use a secured business credit card to establish your business credit score. Note: A secured business credit card will not impact your personal credit score.

Can you get a business credit card right away?

Some business credit cards offer instant approval, but you often need to wait for the card to arrive before you can start using it — typically seven to 10 business days. A handful of cards, including Brex and Capital On Tap, offer instant access to a virtual card. Once approved, you can start using your virtual card right away.
Last updated on July 12, 2024

Frequently Asked Questions

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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.