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.
Our editorial team follows strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
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.
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.
Our editorial team follows strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
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.
Here are the best easiest business credit cards to get from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn 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 | 3.9/5 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 | 3.1/5 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 | 3.7/5 Best for Corporate card with straightforward rewards | $0 | N/A | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Corporate card with soft credit pull | $0 | N/A | N/A | Apply now on BILL Spend & Expense's website |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn 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 | 3.9/5 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 | 3.1/5 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 | 3.7/5 Best for Corporate card with straightforward rewards | $0 | N/A | N/A | Apply now on Ramp's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 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
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I'M INTERESTED IN:
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
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
- Request your own credit limit between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
- Earn interest on your security deposit.
- Variable 25.99% APR on purchases and balance transfers based on the Prime Rate.
Our pick for
Business card for fair credit
Capital on Tap Business Credit Card
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
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
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our pick for
Corporate card for venture-backed businesses
Brex Card
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
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
- 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.
Our pick for
Corporate card with straightforward rewards
Ramp Card
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
- Simple, straightforward rewards
- 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
Annual fee
$0
Intro APR
N/A
Regular APR
N/A
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- 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
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $75,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Corporate card with soft credit pull
BILL Divvy Corporate Card
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
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
- 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.
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. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. 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.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.
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.
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 April 24, 2024
Frequently Asked Questions
Secured business credit cards, like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card, are typically the easiest cards for business owners to get because they don't have strict credit score or revenue requirements.
Business owners with a personal FICO score of 690 or higher can easily qualify for most business credit cards, although a few cards do require excellent credit (a score of at least 720). Check the requirements before applying for a business credit card.
