Easiest Business Credit Cards to Get of 2025

Most business credit cards can be easy to get — if you have good or excellent personal credit. Lots of issuers want applicants with personal credit scores above 690.

If you personal credit score is below that number, you’ll have fewer choices. But options like secured business cards and corporate cards may be available.

Our editorial team has looked at more than 70 business credit cards this year. Here are six of the easiest ones to get that we’ve found.

NerdWallet rating: 4.4 stars

Why our editorial team chose it: A secured business credit card is the easiest kind of card to get. These cards usually have no personal credit history or business financial requirements. Instead, you pay a deposit that serves as your credit limit. They’re a great option for building business credit history.

Bank of America has our favorite secured business card. It earns 1.5% cash back on all purchases, with no cap on rewards. Plus, there’s no annual fee. Bank of America® says it may upgrade you to an unsecured card if you qualify. This card does require a security deposit of at least $1,000.

NerdWallet rating: 3.3 stars

Why our editorial team chose it: Fair-credit business cards consider applicants with FICO scores between 630 and 689. Few of these cards exist. The Capital One® Spark® Classic for Business is the best of the bunch.

This card has no annual fee and earns 1% cash back on all purchases. That rate is below average. But you wouldn’t get this card for its rewards. You’d want it to build business credit score and access a credit line without a security deposit. Read our review.

NerdWallet rating: 4.6 stars

Why our editorial team chose it: The Capital on Tap Business Credit Card issued by WebBank is available if you have fair credit. But applicants with a FICO score of 670 or higher have the best chance of approval.

Capital on Tap does a soft credit pull when you apply that won’t affect your personal credit. This is a big benefit. It can let you know not only if you might get the card, but also at what terms. Capital on Tap advertises credit limits of up to $50,000. But that’s based on creditworthiness. This card can have sky-high interest rates (up to 79.74%), so watch those details.

The card offers 1.5% cash back on all purchases (and 2% if you set up weekly automatic payments). It also has no annual fee.

This card is not available to sole proprietors. Those entrepreneurs should consider the Capital One® Spark® Classic for Business instead. Also, you’ll need annual revenue of at least $30,000 to qualify.

NerdWallet rating: 5 stars

APR: N/A (pay-in-full card)

Why our editorial team chose it: The Brex Card earns rewards, but that’s not its main appeal. Rather, it’s that this is a corporate card. That means it doesn’t need a personal guarantee, nor does approval rely on personal credit.

Instead, Brex looks at cash flow and revenue to determine creditworthiness. But you’ll also typically need more than $1 million in revenue or equity investment to qualify. Sole proprietorships aren’t eligible.

Brex makes it easy to start spending, too. If approved, you’ll get instant access to your virtual card number. You can also issue virtual cards for employees.

NerdWallet rating: 4.3 stars

APR: N/A (pay-in-full card)

Why our editorial team chose it: The Ramp Card is a corporate charge card available to registered businesses. You’ll need at least $25,000 in a business bank account to qualify. That’s not spare change, but it’s less than other corporate cards like Brex.

Like most corporate cards, Ramp has no personal guarantee or credit check. You also get built-in expense management and card-level spending controls. The Ramp Card has no annual fee and offers cash back on qualified purchases. The reward rate varies by business.

NerdWallet rating: 4.2 stars

APR: N/A (pay-in-full card)

Why our editorial team chose it: Unlike other corporate cards, BILL will check your personal credit. (It does a soft credit pull.) You’ll need a good to very good score.

BILL considers qualifications beyond personal credit. Its threshold for some of those — at least $20,000 in cash balances, for instance — is relatively low.

A secured card is the easiest business card to get. These cards usually have no personal credit history or business financial requirements. Instead, you put down cash as a security deposit. These cards can help your business credit history, but not your personal credit.

Personal credit score is the biggest factor for business credit card approvals. Time in business and revenue don’t matter for most business card issuers. That means new businesses can get any card their owner is eligible for. (See our top cards for new business owners.)

Startups will need stronger financials if they’re interested in corporate cards. Among those options, the Ramp Card or BILL Divvy Corporate Card have lower barriers to entry. For instance, they have smaller reserve requirements than some competitors. You also don’t need to have a business account with the issuer to qualify.

You need at least good personal credit to qualify for most business credit cards. That’s a FICO score starting at 690. Business cards you may be able to get with good credit include:

A few issuers want applicants with excellent personal credit. Those scores start at 720. These cards include:

Poor credit is typically a FICO score below 630. There are business cards for bad credit. A secured card will likely be the best option for most business owners.

You can use those cards to establish your business credit score. A secured business credit card generally won’t impact your personal credit. However, card issuers may report negative activity to the personal credit bureaus.

If you have thin or poor personal credit, consider taking steps to improve it. For instance, using a secured personal credit card responsibly. This may make it easier for you to qualify for a business credit card down the line.

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.