Best Business Credit Cards for Instant Approval of 2025
Preapproval isn't common among business credit cards. But these cards may offer nearly instant approval once you apply.
Apply nowBest Business Credit Cards for Instant Approval
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 The American Express Blue Business Cash™ Card on American Express' website | Cash-back business card | $0 | 1%-2% Cashback | $250 | on American Express' website | |
| Pros
Cons
| ||||||
 Capital One Spark Miles for Business on Capital One's website | Business travel card | $0 intro for the first year, then $95 | 2x-5x Miles | 50,000 Miles | on Capital One's website | |
| Pros
Cons
| ||||||
 Capital on Tap Business Credit Card on Capital on Tap's website | Business owners with fair credit | $0 | 1.5% | N/A | on Capital on Tap's website | |
| Pros
Cons
| ||||||
 Brex Card on Brex's website | Startups with outside investment | $0 | 1x-7x Points | 10,000 Points | on Brex's website | |
| Pros
Cons
| ||||||
 BILL Divvy Corporate Card on BILL Spend & Expense's website | Corporate card with more flexible qualification requirements | $0 | 1x-7x Points | N/A | on BILL Spend & Expense's website | |
| Pros
Cons
| ||||||
 The Blue Business® Plus Credit Card from American Express on American Express' website | AmEx Membership Rewards | $0 | 1x-2x Points | 15,000 Points | on American Express' website | |
| Pros
Cons
| ||||||
Here are the best instant approval business credit cards
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
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
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
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
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
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 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
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
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 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
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
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
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
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
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
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
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
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
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.
Are there instant approval business credit cards for bad credit?
Ultimately, the easiest business credit card to get 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 invoice factoring
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 business credit card team selects the best small-business credit cards
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.