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Easiest Business Credit Cards to Get of December 2023

You can qualify for most business credit cards if you have a good personal credit score.
Last updated on October 23, 2023
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 6 minutes

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 card to get depends on two things: your personal credit score and your business revenue. The size of your business — and how long you’ve been operating — are often not factors to getting approved.
Business owners with good-to-excellent personal credit (a score of 690 or higher) can easily get most business credit cards. For those with bad personal credit, the easiest business credit cards to get are often secured business cards, which have no revenue or personal credit history requirements.
Companies with strong financials have another option: corporate cards. Businesses with at least $50,000 in a business bank account and substantial revenue can often qualify for a corporate card like Ramp or Brex, even if they have 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 card to get depends on two things: your personal credit score and your business revenue. The size of your business — and how long you’ve been operating — are often not factors to getting approved.
Business owners with good-to-excellent personal credit (a score of 690 or higher) can easily get most business credit cards. For those with bad personal credit, the easiest business credit cards to get are often secured business cards, which have no revenue or personal credit history requirements.
Companies with strong financials have another option: corporate cards. Businesses with at least $50,000 in a business bank account and substantial revenue can often qualify for a corporate card like Ramp or Brex, even if they have 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 cards

$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 cards 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

3.2/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

4.0/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Ramp's website

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for Secured business cards

$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 cards 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

3.2/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

4.0/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Ramp's website

I'M INTERESTED IN:

Our pick for

Secured business cards

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 cards 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
  • Apply without a hard credit check
  • 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 picks for

Corporate cards

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

Brex Card

NerdWallet rating 

3.2/5
Apply now

on Brex's website

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

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
  • 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

Ramp Card

NerdWallet rating 

4.0/5
Apply now

on Ramp's website

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

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

Secured business cards

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 $2,200 and $110,000 in multiples of $50) 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

The
Capital on Tap Business Credit Card
offers
1.5%
cash back on all purchases, no annual fee and the potential for a low APR. And while it's available to business owners with fair credit, Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval. 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. Read our review.

Corporate cards

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.

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. These types of cards will offer you increased spending power, and because they are not secured, there’s no security deposit 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 October 23, 2023

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