Find business credit cards with easy approval |

Find business credit cards with easy approval

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Not all credit cards require you to have a perfect credit score to get easily approved.

You can get easy approval on most business credit cards if you have an excellent credit score. The problem comes for those who don’t have a credit history or who’ve had credit difficulties in the past and now want to rebuild their score. Most banks will deny such applicants.

Luckily, there are a few workarounds. Your best options for getting easily approved for a business credit card are to get a secured card, a prepaid card or an unsecured card aimed at those with bad credit. Each of these cards comes with its own perks and downsides. If your options are limited, they can help you manage your business finances and potentially build your credit until you can qualify for a better card.

Best business credit cards with easy approval

Best secured business credit card: Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card

Earn 1.5% cash back on all purchases.


Businesses with no credit history or those that want to rebuild their credit could find the Wells Fargo Business Secured Credit Card worthwhile. You’ll have full control over your credit line, given that it’s the sum you deposit — from $500 up to $25,000.

Since Wells Fargo reports your activity to business credit bureaus, timely payments can help you slowly build your credit and the bank may even upgrade you to an unsecured card.

Best prepaid business credit card: Bento for Business

Business owners who don’t want to personally guarantee their business credit card or those who don’t have a great personal or business credit score could use a prepaid business card like the Bento for Business.

You can apply in less than five minutes without affecting your personal credit and quickly fund your account via ACH or wire transfer. You can also have extra peace of mind knowing your funds are secured by the FDIC.

Best secured business credit card with high credit limit: Business Edition® Secured® Visa Card

Business Edition® Secured® Visa Card

Request your own credit limit between $2,000 and $100,000 when you apply, subject to credit approval.

If you can’t qualify for an unsecured credit card and you also need a card with a high credit limit, the Business Edition® Secured® Visa Card could be a good choice. You’ll earn interest on your security deposit and can get a credit limit of up to $100,000.

Best unsecured business credit card with easy approval: Spark® Classic for Business

Spark® Classic for Business

Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.

Business owners with fair credit might find the Spark® Classic for Business useful. You’ll earn cash back on all purchases and have the opportunity to build your credit to upgrade to a better card in the future.

While you may receive a low credit line when you first open your account, if you make on-time payments each month you might eventually become eligible for a credit line increase.

Find the right business card

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How to find business credit cards with easy approval

  • Take advantage of your personal credit score. If you have an excellent personal credit score and act as a guarantor for your company’s debts, you can get easy approval for most business credit cards.
  • Get a secured credit card. If your credit score isn’t perfect, your best option for easy business card approval is to get a secured card. Your deposit acts as your credit line, which gives you full control over your purchasing power. Also, most secured cards can help you build your credit and upgrade to an unsecured card down the road.
  • Get an unsecured card for low-credit borrowers. Capital One offers the Spark® Classic for Business to those with less-than-perfect credit. It’s an unsecured card that usually comes with a low credit limit, but it’s a great step toward building your credit and getting a better card in the future.
  • Get a prepaid business card. If you don’t want to be the personal guarantor for your business or you don’t want your card activity to reflect on your personal credit, opt for a prepaid card. You can fund your account via ACH or wire transfers and set category and spending limits. But you won’t build your business credit with these cards.

Compare business cards for bad credit

Compare all business cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
18.24% to 23.24% variable


80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)


The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
$0 annual fee for the first year ($99 thereafter)
17.99% to 25.99% variable


70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)


Earn 50,000 points after spending $10,000 in the first 3 months. Plus earn 25,000 bonus points after spending an additional $10,000 in the same timeframe.

Compare up to 4 providers

Bottom line

The easiest business credit cards to get tend to fall into three categories. Within these categories, you can choose the one that’s right for your business by looking at your credit score, if you want to build your business credit and whether you can afford a deposit.

However, if you’re still not sure which credit card is best for your business, compare your options until you find the right one.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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