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.
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.
Here are the best instant approval business credit cards from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Cash-back business card | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply now on American Express' website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Business travel card | $0 intro for the first year, then $95 | N/A | 26.24% Variable APR | Apply now on Capital One's website Rates & Fees |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Business owners with 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 (no personal guarantee) | $0 | N/A | N/A | Apply now on Brex's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Corporate card (soft credit pull) | $0 | N/A | N/A | Apply now on BILL Spend & Expense's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for AmEx Membership Rewards | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply now on American Express' website Rates & Fees |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 Best for Cash-back business card | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply now on American Express' website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 Best for Business travel card | $0 intro for the first year, then $95 | N/A | 26.24% Variable APR | Apply now on Capital One's website Rates & Fees |
Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.9/5 Best for Business owners with 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 (no personal guarantee) | $0 | N/A | N/A | Apply now on Brex's website |
BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.9/5 Best for Corporate card (soft credit pull) | $0 | N/A | N/A | Apply now on BILL Spend & Expense's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.6/5 Best for AmEx Membership Rewards | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% Variable APR | Apply now on American Express' website Rates & Fees |
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.
I'M INTERESTED IN:
Our pick for
Cash-back business card
The American Express Blue Business Cash™ Card
on American Express' website
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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, 18.49% - 26.49%, 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 up to $50,000 per calendar year, then 1%. 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Business travel card
Capital One Spark Miles for Business
on Capital One's website
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- 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 and rental cars booked through Capital One 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
Business owners with fair credit
Capital on Tap Business Credit Card
on Capital on Tap's website
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
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 (no personal guarantee)
Brex Card
on Brex's website
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
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 (soft credit pull)
BILL Divvy Corporate Card
on BILL Spend & Expense's website
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
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.
Our pick for
AmEx Membership Rewards
The Blue Business® Plus Credit Card from American Express
on American Express' website
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
Capital One Spark Miles for Business
Capital on Tap Business Credit Card
Brex Card
BILL Divvy Corporate Card
First National Bank Business Edition® Secured Mastercard® Credit Card
- 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 — which the issuer initiates — you're in charge of 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.
- An instant approval requires an actual application with a hard credit check. Preapprovals and pre-qualification are somewhat rare with business cards. When available, they can let you understand potential card options — but neither guarantees you’ll be approved. 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.
- 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.