Maria Adams, Credit Cards Moderator
The easiest business credit card to get is the Business Advantage Unlimited Cash Rewards Secured credit card because it accepts applicants with bad credit. This card also rewards cardholders with 1.5% cash back on all purchases and has a $0 annual fee. A minimum security deposit of $1000 is required, though.
In general, the easiest credit cards for a business to get require bad-to-fair credit for approval. It’s also worth noting that while you must have a business to get most of these cards, your personal credit history matters a lot more than your company’s credit standing.
Easy Approval Credit Cards for Business
As you can see, there are a few easy approval business credit cards available, so you shouldn’t let limited or damaged credit prevent you from getting the card your business needs. Also, remember that if you pay your bills on time and keep your credit utilization ratio low, your credit should steadily improve over time.
OpenSky® Secured Visa® Credit Card
Justine Browns, Member
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
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.
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