The Easiest Business Credit Cards To Get [2023]

These days there are plenty of easy approval business credit cards to choose from for business owners with a variety of different credit scores and backgrounds. Finding the best card for you will largely come down to the type of features you’re looking for, the size of your business, and your company’s needs.

Here we’ll break down a great selection of cards for business owners of all types. We’ll cover everything from the best instant approval business credit cards for those with excellent credit to the easiest business credit card to get with fair credit.

We’ll also break it down by business size, as some cards are best for large companies while others are startup business credit cards designed with the needs of new businesses in mind.

Can You Get Instant Approval for Business Credit Card Offers?

It is possible to get instantly approved for business cards, but if this is your goal, then you’ll want to focus on those geared toward customers in your credit score range. If you’ve got great credit, a solid monthly income, and a healthy business revenue, then it’s possible to get instantly approved for almost any card on the following list.

But even if your credit score isn’t as flattering as you’d like, it’s still possible to find quick or instant approval options. While they tend to be the exception rather than the rule, there are even a few soft pull business credit cards or cards that don’t require a credit check at all.

Top Easy to Get Business Credit Cards this 2024 [Start-ups and Fair Credit Options included]

Ink Business Cash® Credit Card

If you’ve got great credit and a thriving business, then the Chase Ink Business Cash® Credit Card is a great card to look into. When you spend at least $6,000 on purchases within the first three months, you can earn $900 cash back, which is Chase’s best introductory offer ever.

For the first 12 months, you’ll also enjoy a 0% introductory APR on purchases and a 18.49% - 24.49% variable APR after that. Best of all, there’s no annual fee and a generous rewards program. You’ll earn 5% cash back on the first $25,000 each year that you spend on telecom services and at office supply stores.

You’ll also enjoy 2% cash back on the first $25,000 a year you spend at gas stations and at restaurants. All other purchases earn 1% cashback.

Capital One Spark Cash Select - 0% Intro APR for 12 Months: Best for Good Credit

Capital One does a great job of offering business cards for customers with a variety of different credit scores. If you have good credit, then you can apply for the Capital One Spark 1.5% Cash Select in minutes and get a decision within seconds.

The Spark 1.5% Cash Select card offers a $0 annual fee and a 0% intro APR for the first 12 months and a 20.24% - 28.24% variable APR after that. No matter what you purchase, you’ll always get 1.5% cashback, plus unlimited 5% cashback each time you book a hotel or rental card with Capital One Travel.

You’ll also get an itemized spending report at the end of each year and virtual card numbers for online payments. You can also link your account to software like Quicken®, QuickBooks® and Excel®.

Capital One Spark Classic for Business: Best Cards for Fair Credit

If you have a limited or less-than-stellar credit history, then the Capital One Spark Classic for Business is a great card to help turn things around. Specifically designed for customers with limited or fair credit, the Spark Classic comes with no annual fees and the chance to earn an unlimited 1% on every purchase.

You’ll also get 5% unlimited cash back each time you use your card to book rental cars or hotels on Capital One Travel. Additional perks include free employee cards with customizable spending limits, year-end itemized reports, virtual card numbers, and integration with popular ERP platforms.

With responsible use, the Spark Classic can be a great way to help rebuild your credit. Just be aware that the 29.74% variable APR is no joke, so it's not the best card for major financing.

OpenSky® Secured Visa® Credit Card: Best for Business Owners With Bad Credit

Okay, so maybe you made a few unfortunate credit mishaps in the past. If you’re struggling to get approved for business cards due to your personal credit score, the OpenSky® Secured Visa® Credit Card is a solid way to turn things around. You can apply in minutes with no credit check required and set your own credit line based on the amount you put down on a refundable collateral deposit.

The $35 annual fee isn’t bad and it’s possible to get an APR of less than 20%, which is competitive for a card geared towards those with poor credit. While you won’t enjoy many perks with this card, it does report to all three major credit bureaus monthly.

OpenSky reports that some customers have been able to boost their credit scores up to 70 points within 6 months by using their cards responsibly.

APR: 21.64% (variable)

Capital on Tap Business Credit Card: One of the Best Soft Pull Business Credit Cards

It’s relatively rare to find a business card that offers a soft pull, but the Capital on Tap Business Credit Card fits the bill. You can apply in minutes with no danger to your credit score and get an idea of the type of offers available for you.

Before you jump in, be sure to take a look at the APR you’re offered, as it varies from some of the best to the worst rates we’ve seen (9.99% - 34.99%). Credit limits also vary but it’s possible to get approved for a line of credit up to $50,000.

The Capital on Tap card comes with unlimited 1.5% cash back rewards on all purchases as well as flexible redemption options. You’ll also enjoy features like real-time spending tracking, unlimited free company cards with spending limits, and accounting software integration.

Ink Business Premier℠ Credit Card: Best for Large Businesses

For larger businesses with high monthly expenditures, the Ink Business Premier℠ Credit Card is certainly worth a look. While it does come with a $195 annual fee, the Ink Business Premier offers generous savings on large purchases, especially if you choose the pay-in-full monthly payment option.

Each time you make a purchase of over $5,000, you’ll earn 2.5% cash back. All other business purchases earn an unlimited 2% cashback, which can also be redeemed for travel, gift cards, or other options through Chase Ultimate Rewards.

The card comes with a variable APR of anywhere between 19.49% - 27.49% Flex for Business and an intro offer of $1,000 cashback when you spend at least $10,000 within the first 3 months.

Brex for Startups: Best for Startup Businesses

When it comes to startup business credit cards, the Brex for Startups card is a unique option because it’s one of the few business cards with no personal guarantee or credit check requirements. You can sign up for a Brex business account and card within minutes with a photo ID, business EIN (or IRS letter), and details of ownership and incorporation.

Once you set up a Brex account, you can issue unlimited physical and virtual corporate charge cards that work in over 100 countries. You can score 1.5x cashback on all purchases and access higher-limit cards and rewards offerings as your business grows.

Brex makes it easy to automate your finances with integration into plenty of different accounting and payment programs. If you're looking an automated all-in-one financial solution, Brex is worth checking out.

Ink Business Unlimited® Credit Card: Best Business Card for Freelancers

While category-based rewards points can provide value to some business owners, others consider them a hassle. The Chase Ink Business Unlimited® Credit Card offers a nice solution for freelancers or small business owners who would rather earn 1.5% unlimited cash back on business purchases across the board.

With no annual fee, the Ink Business Unlimited is a great way to rack up cash on all your business purchases without having to worry about limits or categories. Redeem your points for cashback or other options such as travel or gift cards on Chase Ultimate Rewards.

Score a $900 cashback bonus when you spend $6,000 in the first 3 months. The card also offers a 0% intro APR for the first 12 months on purchases and then a 18.49% - 24.49%.

Costco Anywhere Visa® Business Credit Card by Citi: Best for Costco Members

If you happen to have a Costco card, then the Costco Anywhere Visa® Business Credit Card by Citi may be a good choice for your small business. The annual fee is covered under your Costco membership and the 19.99% standard variable APR isn’t bad.

You’ll enjoy 4$ cashback on up to $7,000 of gas and EV charges per year (1% after that), 3% cash back on restaurants and travel, 2% back on Costco purchases, and 1% back on everything else. It’s worth noting, however, that your credits will only be applied annually at the end of your February billing statement.

Capital One Spark Miles for Business: Best for Travel

If you’ve got great credit and travel regularly for business, then check out the Capital One Spark Miles for Business. The Spark Miles card offers unlimited 2x miles with every purchase and 5x miles on rental car and hotel bookings through Capital One Travel.

You can also score 50,000 bonus miles when you make at least $4,500 worth of purchases in the first 3 months. For the first year, you’ll enjoy a $0 intro annual fee, then a $95 annual fee after that.

With a 26.24% variable APR and plenty of great travel perks, Spark Miles may be worth exploring for frequent travelers.

We hope this has helped give you a good idea of some of the business cards available and which will be the easiest to get for you. No matter what your credit history is, there are plenty of great easy approval business credit cards for everyone to choose from.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

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