Maria Adams, Credit Cards Moderator
@m_adams
The easiest business credit cards to get are secured business credit cards, such as the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card. It is available to applicants with bad credit and doesn't even require a minimum credit score, making it very easy to get. This card also rewards you with 1.5% cash back on all purchases and has a $0 annual fee.
5 Easiest Business Credit Cards to Get in 2025
- Best for Bad Credit: Business Advantage Unlimited Cash Rewards Secured Card
- Best for No Credit: Capital One Spark Classic for Business
- Best for 0% APR and Rewards: Valley Bank Visa® Secured Business Credit Card
- Best for No Personal Guarantee: Brex Corporate Card for Startups
- Best Gas Rewards: Sunoco Fleet Card
In general, the easiest business credit cards to get are available to applicants with bad to fair credit. Note that while you must have a business to get most of these cards, your personal credit history matters much more than your company’s credit standing. If you’re not sure what your score is, you can check your latest credit score for free here on WalletHub.
There are a few easy approval business credit cards available, so you shouldn’t let limited credit history or credit score damage prevent you from getting the card your business needs.
To learn more, you can check out out editor's picks for the best business credit cards for bad credit. Also, remember that if you pay your bills on time and keep your credit utilization ratio low, your credit should steadily improve over time.
Popular Business Credit Cards
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Cash Rewards
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Bonus Rewards:
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Travel Rewards:
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Best for Startups:
Justine Browns, Member
@justine_browns
I think the easiest one to get is the Capital One Spark Classic for Business. Especially if you have limited credit. It doesn’t have an annual fee or foreign transaction fees, and you earn 1% cash back on every purchase. And the best part is that it helps you build business credit, provided you use it responsibly.
Joshua Torrez, Member
@torrez_joshua
The easiest one I think would be the Wells Fargo secured business card. Obviously, the fact that it's secured makes it much easier to get approved for, since you'll be basically borrowing from your own money. The downside is (as it is for most started business cards) they'll pull your personal report, not the one assigned to the company.
People also ask
What credit score do you need for a business credit card?
You need a credit score of at least 700 to get one of the best business credit cards. Most premium business credit cards require you to have good or excellent credit to qualify for approval, though business owners with fair credit (640+ credit score), limited credit history, or poor credit can still find decent options. Essentially, business credit cards are available for all credit levels, but the best offers go to those with higher scores.
Note that...
read full answer by Maria Adams, Credit Cards ModeratorIs it hard to get a business credit card?
Most business credit cards are fairly easy to get as long as you have a good or excellent personal credit and your business is verifiable. Business credit cards don’t require a minimum revenue or time in business, so you can apply even if your business is new and has no employees.
You can even get approved for some business cards even with bad credit or no credit history. To learn more, check out our...
read full answer by Peter Renteria, MemberIs it easier to qualify for a business credit card?
No, it’s not easier to qualify for a business credit card than it is to qualify for a regular credit card because you need to represent a business, in addition to meeting the standard approval requirements for a credit card. Plus, there aren’t many choices available for business owners with low credit scores. Most business credit cards require a personal credit score of at least 700, along with enough income to afford the monthly payments.
... read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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