There are many instant approval credit card options for businesses that want 0% APR, or require frequent travel. But which ones are the easiest business credit cards to get?
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University.
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Jason VissersJason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University.
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Chelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Chelsea KrauseChelsea Krause is a writer who specializes in accounting, payroll, and small business loans. She has been helping small business owners manage their finances since 2016. She is a QuickBooks Certified User and former eCommerce store owner. Her accounting expertise has been quoted in Forbes and her work appears in Startup Nation, Small Business Bonfire, and Women on Business. Chelsea graduated summa cum laude with a BA in English & Creative Writing from George Fox University and studied abroad at the University of Oxford as well.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
Instant approval business credit cards can provide fast funding for your small business. These cards come in handy when your business faces an inconsistent cash flow, encounters unexpected costs, or needs extra funds for business expansion. Plus, they’re some of the easiest business credit cards to apply for.
Some of these choices even make it on our overall list of best business credit cards, so you don’t have to skimp on great rewards or settle for high fees just to get an instant approval business credit card.
There are plenty of great instant approval credit card options out there, but we’ve narrowed it down so you can get quick access to the credit your business needs.
To help you find the easiest business credit cards around, we looked at dozens of small business credit cards offering fast or instant approval and picked our favorites based on competitive fees, low APR, and strong rewards.
$0 for the standard package, $15/user/month for Ramp Plus
Business Size
Corporations, LLCs, and LPs with $25K+ in the bank
Pros
Up to 1.5% cash back
A unique platform built to help companies cut costs
No fees of any kind with a standard subscription (including annual fees)
Cons
Requires $25,000 cash on hand
Available only to corporations, LLCs, and LCs registered in the US
Why We Chose Ramp For Businesses With No Credit
If you have no business or personal credit history -- or if you don't want to touch your personal credit for a business credit card -- check out Ramp. When you're approved, you'll be able to use virtual Ramp cards immediately, giving you fast access to your credit line.
Ramp is ideal if your business meets the cash-on-hand requirement but you have little or no credit history. However, Ramp is a corporate credit card, so you'll have to pay off your card in full every 30 days. Ramp's simple flat cash-back rate and its unique savings insights make it one of the best corporate credit cards on the market.
Ramp Rewards
The Ramp corporate charge card offers some nice rewards and is ideal if your business spending is varied and not concentrated on travel or rideshares. Here’s what you’ll get:
Up to 1.5% cash back on your business’s total spend
“Pricing intelligence” that helps you reduce spending
Access $350,000+ in partner rewards with Amazon Web Services, QuickBooks, Stripe, and many others
Automated accounts payable tool
Mobile receipt capture via the iOS/Android app
Ramp also states that it offers 20x higher credit limits than traditional business cards due to the company’s precision underwriting.
Ramp Fees
You can use Ramp without paying any common credit card fees. No interest (since it’s a charge card), no late fees, no foreign transaction fees, etc.
Fees only come into play under two optional scenarios. Ordinarily, you can’t carry a balance month-to-month, but with Ramp Flex (still in beta), you have the option to delay paying for a purchase for 30, 60, or 90 days. Percentage fees for financing are determined on a business-by-business basis, and all finance charges must be paid when the purchase is made.
As for monthly fees, there are none under Ramp’s standard plan. However, if you want more advanced features and a higher degree of customization, integrations, and international support, you can enroll in Ramp Plus.
For the highest level of features, customization, and support, there’s Ramp Enterprise, pricing for which is quote-based.
Ramp Eligibility Requirements
Though you won’t have to pass a credit check, Ramp does have some additional requirements:
Must have $25,000 in the bank
Must be a corporation, LLC, or LP registered in the US
Must have most of your operations and corporate spending in the US
Applicants without a Social Security Number (SSN) can still be approved for the Ramp card. In place of an SSN, you can instead provide a copy of your foreign passport and documentation to prove your address.
When To Choose A Ramp Card
You want a corporate credit card that helps you identify and eliminate unnecessary spending
Your business spending is diverse and you want up to 1.5% cash back
Available only to C-corp, S-corp, LLC, and LLP corporations
Stringent revenue or equity investment requirements
Why We Chose Brex For Startups
Brex's corporate card doesn't require a personal guarantee or credit check, making it ideal for startups that need a credit card quickly. It's one of the easiest business credit cards to get for well-funded startups with large annual revenue or equity investment.
However, Brex's laser focus on startups with exponential growth potential means regular small businesses won't qualify. Brex offers instant card numbers, so your business can start using virtual cards and draw from your credit line immediately upon approval.
Brex Rewards
Brex’s pioneering corporate charge card features a rewards package aimed at fast-moving startups with perks such as bonus points for ridesharing and savings on business-oriented services like Slack and Amazon Web Services.
Here are the rewards rates you’ll unlock with daily payments (1x less in each category with monthly repayments):
Earn 8x points on rideshares
5x points on Brex Travel
4x on restaurants
3x on software
1x on everything else when you make daily repayments
To be eligible to earn rewards at the highest rates, you must make Brex your exclusive corporate card and sign up for automatic daily repayments.
You’ll also get exclusive signup offers worth $180,000+ from QuickBooks, Apple, UPS, AWS, and other Brex partners, on top of Brex’s impressive spend management and employee control features
Brex Fees
Brex’s standard plan carries no fees whatsoever — no monthly or annual fees, no late fees, no foreign transaction fees. Because it is a charge card that doesn’t let you carry a balance month-to-month, there’s no interest charged either.
However, you can upgrade to one of Brex’s two paid plans: Brex Plus which gives you advanced admin and integration features, or Brex Enterprise, which has custom quote pricing.
Brex Eligibility
Brex is only open to C-corp, S-corp, LLC, & LLP companies and startups.
As for other requirements, they differ depending on whether you’re applying for a card with daily repayments vs monthly repayments.
Brex cards with daily repayments require your business to meet at least one(not all) of the following criteria:
You’ve received an equity investment (any amount) from an accelerator, angel investor, or VC, or you plan to in the near future
Your business earns $1 million+
Your business has 50+ employees
Tech startups may still be eligible if they are on a path to meeting one of the above criteria and are referred by an existing Brex customer or partner
To qualify for monthly repayments, the requirements are steeper.
When To Choose A Brex Card
You are a startup that meets Brex’s revenue, size, or equity investment requirements
Your business’s spending patterns match Brex’s reward points categories
You’re willing to make Brex your company’s exclusive corporate card to unlock the highest level of rewards
You don’t need a card that you can carry a monthly balance on
Why We Chose Amex Blue Business Plus For 0% Intro APR
The Blue Business Plus from American Express is a great instant approval business credit card for those looking for introductory APR of 0% for 12 months. Furthermore, Amex is one of the few card issuers that will, in many cases, issue you an instant card number after you get approved. According to Amex, after you apply, you can get a decision in as little as 30 seconds.
On top of cash back, a generous welcome bonus, and the introductory APR, this card lacks an annual fee, making it ideal for businesses that won't be charging more than $50K/year on their card.
Amex Blue Business Plus Rewards
Here’s what you’ll get with the Amex Blue Business Plus card:
Introductory APR of 0% for 12 months
Earn 2x points on your first $50K/year in spending on business purchases (1x points on spending above $50K/year)
Spend above your credit limit with Expanded Buying Power
15,000 points after you spend $3,000 in the first 3 months
With Blue Business Plus, your points can be used to book travel via Amex Travel, make online purchases, buy gift cards, and more.
Amex Blue Business Plus Fees
Annual fee: $0
APR: 0% for 12 months; 17.49% – 27.49% (variable) thereafter
Late payment fee: up to $39
Foreign transaction fee: 2.7%
Amex Blue Business Plus Eligibility
Amex doesn’t publish a minimum credit score for this card, but you will generally need good to excellent credit to qualify.
When To Choose The Amex Blue Business Plus Rewards Card
Your business spends less than $50K/year and you want a solid flat-rate rewards card
Why We Chose Capital One Spark 2% Classic Plus As The Best Instant Approval Card For Cash Back Rewards
The Capital One Spark 2% Cash Plus card has steep eligibility requirements, but if you qualify, this card's rewards program is second to none. With unlimited 2% cash back, a generous welcome offer, and the ability to get your annual fee waived when you spend over $150K/year on the card, the Spark Cash 2% Plus is a business credit card that truly rewards business spending.
While it's possible to be approved for this card in as little as 60 seconds, it may take 7-10 days to get approved (or rejected), but the level of rewards with this card, made it still worth including on this list.
Capital One Spark 2% Cash Plus Rewards
The Capital One Spark Cash Plus card’s cash-back program is truly exceptional:
Unlimited 2% cash back on all purchases
Unlimited 5% cash back on travel purchases made through Capital One’s travel portal
$2,000 cash bonus when you spend $30,000 in the first 3 months
Get your $150 annual fee waived when you spend $150,000+/year
Capital One Spark 2% Cash Plus Fees
Annual fee: $150 (waived when you spend $150K+/year)
APR: None (this is a charge card)
Late payment fee: 2.99% of the unpaid portion of your minimum payment of the unpaid portion of your minimum payment
Foreign transaction fee: $0
Capital One Spark 2% Cash Plus Eligibility
One of this card’s main drawbacks is that you’ll need excellent credit to qualify.
When To Choose The Capital One Spark 2% Cash Plus Card
You have excellent personal credit
You want one of the highest flat cash back rates possible
You don’t need a card that you can carry a monthly balance on
Big spenders can find cards with higher flat-rate rewards
Non-travel redemption options are a bit lackluster
Why We Chose Capital One Spark 1.5 Miles Select For Travel Rewards
The Capital One Spark 1.5X Miles Select will earn your business valuable miles right off the bat. You can transfer your miles to one of 15+ Capital One travel partners, and with no annual fee to balance your travel rewards against, the Spark Miles Select is one of the best business credit cards for travel, particularly for businesses with a more modest level of spending.
As with the other Capital One business credit cards on this list, you may get approved in just a minute, or it may take 7-10 days.
Capital One Spark 1.5X Miles Select Rewards
Like Capital One’s other “excellent credit” business credit card on this list, the Spark 1.5X Miles Select offers some tantalizing perks for qualifying applicants.
Unlimited 1.5x miles on all purchases
Unlimited 5x miles on hotels and rental cars booked through Capital One Travel
50,000 miles if you spend $4,500 on purchases within the first 3 months
Capital One Spark 1.5X Miles Select Fees
Annual fee: $0
APR: 17.49% – 23.49% (variable)
Late payment fee: up to $39
Foreign transaction fee: $0
Capital One Spark 1.5X Miles Select Eligibility
You must have excellent credit to qualify for the Spark 1.5X Miles Select business credit card.
When To Choose The Capital One Spark 1.5X Miles Select Card
Your business spends a moderate amount annually and has significant travel needs
5% cash back on travel booked through Capital One Travel
Cons
Low cash back rate
Minimal benefits
High APR
Why We Chose Capital One Spark 1% Classic As The Best Instant Approval Card For Fair Credit
Designed for business owners with fair credit, the Capital One Spark Classic card's APR is relatively high and the rewards program is quite modest. However, the card's true value lies in its ability to build your credit. Capital One will report your credit activity to the big three credit bureaus (not all issuers of business credit cards do this), which means that with every monthly payment you make on time, you improve your credit score.
Most applicants should get approved for this card in just 60 seconds if they apply online.
Capital One Spark 1% Classic Rewards
The Capital One Spark 1% Classic is a solid business credit card that offers fast approval to business owners with at least fair (or average) credit. As such, its rewards program is quite simple: you’ll earn 1% cash back on all your purchases.
As with other Capital One business credit cards, you’ll earn 5% cash back on rental cars and hotels booked through Capital One Travel. It’s a remarkable perk for a business credit card for fair credit users!
Capital One Spark 1% Classic Fees
Annual fee: $0
APR: 29.74% (variable)
Late payment fee: up to $39
Foreign transaction fee: $0
Capital One Spark 1% Classic Eligibility
Capital One specifically markets the Spark Classic card to users with fair credit. This card is a worthy option for business owners with a lackluster or young credit history, as making your payments on time will help build your credit and increase your odds of qualifying for a better business credit card in the future.
When To Choose The Capital One Spark 1% Classic Card
You have fair credit
You want to get one of the highest cash back rates possible for fair credit
You want a business credit card that can help you build up your personal credit
Why We Chose Chase Ink Business Preferred As The Best Traditional Business Credit Card For Quick Approval
The Chase Ink Business Preferred card is arguably the best of Chase's Ink Business line of credit cards, offering great value, including (and beyond) robust spending rewards. If you don't need (or qualify for) the extra perks of a corporate credit card program, the Ink Business Preferred is an ideal, traditional business credit card.
Apply for the Ink Business Preferred card, and you may get approved in just an hour. However, in many cases, it may take 7-10 business days. While this card may not always have instant approval, the 3x reward points, multiple redemption options, and low APR made it noteworthy enough to still include on this list.
Chase Ink Business Preferred Rewards
The Chase Ink Business Preferred card is an excellent business credit card from a rewards perspective.
Earn 3x points on your first $150K/year in spending on travel, shipping, online advertising, and internet/cable/phone purchases (1x points on all other purchases)
Points are worth 25% more when redeemed for travel through Chase’s travel portal
90,000 points when you spend $8,000 within 3 months of opening your account
Chase lets you transfer your points on a 1:1 basis to an array of airline and hotel loyalty programs. You can also redeem points for Amazon purchases, gift cards, and cash back, making this an extremely versatile card.
Chase Ink Business Preferred Fees
Annual fee: $95
APR: 20.24% – 26.24% (variable)
Late payment fee: $40
Foreign transaction fee: $0
Chase Ink Business Preferred Eligibility
Chase doesn’t publish a minimum credit score to qualify for its Ink Business cards, but by all accounts, you’ll need good to excellent personal credit to qualify.
When To Choose The Chase Ink Business Preferred Card
You want a business credit card with a generous rewards scheme and an exceptional welcome bonus
You have good to excellent personal credit
You prefer an established banking company over an up-and-coming fintech card issuer
Merchant Maverick has been researching and reviewing credit cards and credit card providers since 2018. Our writers have tested dozens of cards, evaluating rewards and perks, rates and fees, features, eligibility requirements, customer service, and user reviews. Read more about how we rate credit cards.
Weighted Rating Breakdown
Rewards & Perks 40%
Rates & Fees 30%
Features 15%
Eligibility Requirements 5%
Customer Service 5%
User Reviews 5%
When comparing different cards, we consider many data points, including the relative cost of standard or extra fees, the range and value of benefits and perks offered, APR, availability, and credit score requirements. Our lists of the best cards include only those we’ve deemed worthwhile from multiple vantage points, and share qualities such as widespread accessibility, low APR, flexible rewards, and additional perks like employee cards.
We spend an average of 10-15 hours researching and updating each one of our lists, making sure the credit cards included meet our internal standards for quality and reputation.
Are Instant Approval Credit Cards Legitimate?
While it seems like getting a business credit card instantly is too good to be true, there are many legitimate instant-approval business credit cards, including the options on this list.
While many on the list are truly instant, some cards claim to be “instant” or “approved in less than 10 minutes,” but may take longer to be approved according to customer reviews. We made sure to make these distinctions clear so that if you need access to a credit limit today, you know which cards will guarantee that (with eligibility requirements met, of course).
How To Get An Instant Approval Business Credit Card
If everything goes right, you may get approved for a new business credit card in just a few minutes. Let’s discuss what you can do to streamline the application process.
Check Your Credit Score
When you know your credit score, you can apply for the business credit cards you know you’ll be likely to qualify for. Remember, the more your credit score exceeds the card issuer’s minimum requirements, the more likely it is that you’ll be approved quickly.
Unsure what your credit score is? Don’t pay the credit bureaus just to learn your credit status! Instead, go to one of the best free credit score sites and check your credit score without giving a dime to anybody.
Gather Your Business & Financial Information
Be sure to have the following information ready before applying for a business credit card.
Business name
Business address
Type of business
Your business role
Tax ID number
Employer Identification Number (EIN)
Years in business
Number of employees
Annual business revenue
Estimated monthly spending
Head To The Internet & Apply Online
Getting approved for a credit card online is quicker than getting approved by phone or snail mail. Take advantage of issuers’ online applications when applying for your next business credit card — otherwise, you may not be approved instantly.
We hope these tips help you secure your instant approval credit card easily!
FAQs: The Easiest Business Credit Card To Get
What are fast approval business credit cards?
The terms “fast approval credit cards” and “instant approval credit cards” are used interchangeably to refer to the same kinds of credit cards that offer quick qualification decisions.
Are instant approval credit cards really instant?
Those with a healthy credit history can often receive approval immediately upon application completion for an instant approval credit card. However, those with less-than-good credit may need to wait extra time for approval — even if the card they applied for is marketed as “instant approval.”
Is there such a thing as guaranteed instant approval?
No, although those with higher credit scores will have a better chance of qualifying for instant approval.
What’s the difference between preapproval and prequalifying?
These terms have very similar meanings, and specific definitions can vary from issuer to issuer. In some cases, you may see the terms used interchangeably. In other cases, “prequalified” might mean you have met general criteria (such as a credit score range), while “preapproved” might mean you have met more specific criteria (such as payment history).
If my credit card is approved instantly, can I start using my credit card immediately?
In some cases, an issuer may give you a virtual credit card number that can be used immediately for online purchases. Most of the time, however, you’ll still have to wait for your card to arrive in the mail.
What’s the difference between instant approval and instant use cards?
Instant approval means you have been approved for a credit card upon application completion. However, you’ll still often need to wait to receive a physical card in the mail.
Instant use cards, meanwhile, allow a new cardholder to use their credit card immediately upon approval. You may see these cards referred to as “virtual credit cards.”
Who qualifies for instant approval credit cards?
Fast approval credit cards don’t work similarly for all applicants. The truth is, whether the card you apply for is a “fast approval” card or not, you’re going to be approved more quickly if you have good-to-excellent credit.
With good or excellent credit, you may well be approved nearly instantly upon meeting the card issuer’s credit and income requirements. When an applicant has less impressive credit, a credit card issuer has more work to do to determine the applicant’s financial worthiness.
Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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