Maria Adams, Credit Cards Moderator
@m_adams
You can’t get any business credit cards with just a soft pull, but there are several issuers that allow you to check for pre-approval before applying. This is the next best thing, as checking for pre-approval results in a soft pull, and it is a good way to gauge your approval odds without damaging your credit. However, there will be a hard pull once you submit your application.
One good credit card that allows you to check for pre-approval and has lenient approval odds is the Business Advantage Unlimited Cash Rewards Secured credit card. This card awards users with 1.5% cash back on purchases, and it has a $0 annual fee. It accepts applicants with bad credit.
Easy Approval Credit Cards for Business
- 0% APR and Rewards: Valley Bank Visa® Secured Business Credit Card
- Reward Points: Suncoast Credit Union Business Secured Visa Card
- 0% APR and Rewards: Valley Bank Visa® Secured Business Credit Card
- Reward Points: Suncoast Credit Union Business Secured Visa Card
You can also check out our editors’ latest picks for the best business credit cards for bad credit on the market. Even though applying for these cards will result in a hard pull, they are relatively easy to get.
Popular Credit Cards with No Credit Check from Our Partners
-
Low Annual Fee
-
Easiest to Get
Stella Murphy, Member
@stella_m_dsg
Most business credit cards will do a hard pull on your personal credit at some point. Trying to avoid it will limit your options considerably.
Hannah Gray, Member
@hannah_gray_att
Any small business credit card is going to do a hard pull on your personal credit report. Don’t base your choice on this.
Alexander Howard, Member
@alexh_finance
It’s annoying there aren’t more options!
People also ask
What is the easiest business credit card to get?
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 accepts 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.
Easiest Business Credit Cards to Get in 2026
- 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...
Are business credit cards a hard pull?
Business credit cards require a hard pull on your personal credit report when you apply, in the same way a personal credit card would. The issuer will have to evaluate your personal creditworthiness by doing a hard inquiry, which could negatively impact a your personal credit score temporarily.
Key Facts About Business Credit Card Hard Pulls
- Most business cards will do a hard pull of the applicant’s personal credit report.
- Some credit cards for large corporations...
Can you get a business credit card with EIN only?
Yes, you can apply for some business credit cards with an EIN only, but most credit cards will not allow it. Most business credit cards require a Social Security number or Individual Taxpayer Identification Number in addition to an Employer Identification Number (EIN).
The EIN shows that you’re legitimately a business owner. The SSN, or ITIN, allows the credit card company to review your personal credit history when evaluating your application and hold you...
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.
GM Rewards Business Card by Goldman Sachs = soft pull only
This is NOT TRUE. I had to comment on this because I know there are business owners who do not want a hard pull when getting a business credit card. There are IN FACT business credit cards that do not require a hard pull such as Capital on Tap & Citizens Bank.