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The 8 Easiest Business Credit Cards To Get Guaranteed Approval For In 2022

There are plenty of easy approval credit card options for different businesses, including those with fair credit, need 0% APR, or that require frequent travel.

    Jared Beilby
  • UPDATED

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instant approval business credit cards

Business credit cards with easy approvals may provide fast funding for your small business. Beyond inconsistent cash flow and unexpected costs, businesses may also need extra money when scaling up.

It’s not surprising that credit cards can help support a business looking for bigger spending pockets. Credit cards routinely offer instant or fast approval, granting the applicant rapid access to a fresh credit line. Plus, the advantages of a credit card go beyond receiving instant approval upon applying — small businesses can also take advantage of rewards, perks, and welcome offers.

Unfortunately, with so many options, the world of small business credit cards is daunting. With that in mind, we wrote this guide to make the hunt for instant approval business credit cards a breeze. Read on to find the best card with easy approval for your business!

Learn More About Our Top Picks

CompanyKey TakeawayNext StepsKey Takeaway
Ramp

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Best for no credit.
Best for no credit.

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Chase Ink Business Preferred

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Best overall fast approval card.
Best overall fast approval card.

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Blue Business Plus Credit Card from American Express

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Best 0% intro rate.
Best 0% intro rate.

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Capital One Spark Cash Plus

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Best for cash back rewards.
Best for cash back rewards.

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Spark Miles Select from Capital One

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Best for travel rewards.
Best for travel rewards.

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Other Featured Options:

Read more below to learn why we chose these options.

What Are The 8 Easiest Business Credit Cards To Get?

To make your search for easy approval business credit cards faster, we surveyed the gamut of available small business credit cards and picked our favorites. There are plenty of options for different businesses, including those with fair credit, need 0% APR, or that require frequent travel.

1. Ramp: Best For No Credit

Ramp



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Pros

  • Solid, flat-rate rewards
  • A unique platform built to help companies cut costs
  • No annual fee

Cons

  • Requires $75K cash on hand
  • No mobile app

If you don’t have a business or personal credit history — or don’t want to touch your personal credit for a business credit card — check out Ramp. A corporate card, Ramp features a solid 1.5% cash back rate. You’ll also be able to take advantage of Ramp’s unique AI features that encourage cutting spending.

However, there is a catch. While Ramp won’t look into your credit history, the company does require that your business have at least $75K in the bank. That means Ramp will only work for businesses that have a lot of cash on hand. Businesses that maintain low cash reserves will need to look elsewhere.

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2. Chase Ink Business Preferred: Best Overall Fast Approval Card

Chase Ink Business Preferred



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Chase Ink Business Preferred



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Annual Fee:


$95

 

Purchase APR:


15.99% – 20.99% (variable)

Pros

  • High-earning travel rewards
  • Bonus rate when redeeming points for travel

Cons

  • $95 annual fee
  • Spending cap on the 3x rewards rate categories

Chase Ink Business Preferred may have a higher standard for instant approval than some credit cards on this list as it requires an applicant to have good or excellent credit. If you meet this threshold, though, and can get instant approval, the Ink Business Preferred is an excellent choice for business use.

Ink Business Preferred cardholders earn 3 points per dollar spent on travel, shipping purchases, internet, cable services, phone services, and advertising purchases made with social media sites and search engines each account anniversary year (up to $150,000 spent). All other purchases get 1 point per dollar spent. Points are then worth 25% more when redeemed for travel through Chase Ultimate Rewards.

Beyond this card’s reward scheme, Chase also lets you transfer your points on a 1:1 basis to an array of airline and hotel loyalty programs. If you need something other than travel rewards, you’ll also be able to redeem points for Amazon.com purchases, gift cards, and cash back, making this an extremely versatile card. Do note, however, all this comes at a cost: The Chase Ink Business Preferred carries a $95 annual fee.

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3. Blue Business Plus From American Express: Best 0% Intro Rate

Blue Business Plus Credit Card from American Express



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Blue Business Plus Credit Card from American Express



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Annual Fee:


$0

 

Purchase APR:


14.74% - 20.74% (variable)

Pros

  • 0% introductory APR for the first 12 months
  • No annual fee
  • Possibility of an instant card number

Cons

  • Spending cap on the 2x rewards rate
  • Foreign transaction fee

The Amex Blue Business Plus card is a great business card for those looking for a 0% introductory APR — this card charges no interest for the cardholder’s first 12 months. Furthermore, American Express is one of the few card issuers that will, in many cases, issue you an instant card number after you get approved.

With Blue Business Plus, you’ll earn 2x rewards on all purchases up to $50,000 each calendar year. Your points can be used to book travel via American Express Travel, make online purchases, buy gift cards, and more. On top of those travel perks and a 0% intro rate, this card lacks an annual fee — a great plus for businesses that won’t be putting too many purchases on their credit card.

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4. Capital One Spark 2% Cash Plus: Best For Cash Back Rewards

Capital One Spark Cash Plus



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Capital One Spark 2% Cash Plus



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Annual Fee:


$150

 

Purchase APR:


N/A (balance due in full)

Pros

  • Unlimited cash back rewards at a high flat rate
  • No APR
  • No foreign transaction fee

Cons

  • $95 annual fee after the first year
  • Balance must be paid in full every month

The Capital One Spark 2% Cash Plus is a business credit card offering instant approval only to those with excellent credit. But if you make the grade, you stand to be handsomely rewarded with a generous cash back program.

Spark Cash Plus offers a flat 2% cash back on all purchases (although it also carries a $95 annual fee after the first year). It’s a higher cash back earning rate than you’ll find with most competitors offering a flat cash back rate. As such, it’s a great choice for entrepreneurs with excellent credit looking for a fast approval card with great cash back earning potential. You won’t have to bother tracking spending categories — just earn 2% cash back on all purchases.

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5. Capital One Spark Miles 1.5X Select: Best For Travel Rewards

Spark Miles Select from Capital One



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Capital One Spark 1.5x Miles Select



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Annual Fee:


$0

 

Purchase APR:


14.49%-22.49% (variable)

Pros

  • Unlimited and flat-rate miles
  • No foreign transaction fee
  • No annual fee

Cons

  • The flat-rate rewards could be better for high spenders

Capital One targets users with excellent credit for this card. But like Capital One’s other “excellent credit” credit card on this list, the Spark 1.5X Miles Select offers some tantalizing perks for qualifying applicants.

You’ll be able to nab 1.5 points per dollar spent — and there’s no annual fee to worry about. The Spark Miles Select will immediately begin earning your business valuable miles right off the bat. You also won’t need to spend time thinking about purchase categories because the 1.5x rate is for all purchases (although you can collect 5x bonus points when you book hotels and rental cars through Capital One’s travel portal).

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6. Brex: Best For Startups

Brex



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Pros

  • Startup-focused rewards
  • No personal guarantee required
  • Virtual cards upon approval

Cons

  • Is a charge card
  • Available only to C-corp, S-corp, LLC, and LLP corporations

With a unique underwriting scheme, Brex’s corporate card won’t require a personal guarantee, making it perfect for startups needing a credit card quickly — and one of the easiest business credit cards to get for new businesses. Plus, like Amex, Brex offers instant card numbers so that your business will be able to start using virtual cards upon approval.

Brex also features a rewards and benefits package aimed at fast-moving startups. Perks such as bonus points for ridesharing or savings on business-oriented services such as Slack or AWS are simply not generally offered by normal credit card issuers.

However, Brex won’t be for everyone. Its corporate card is technically a charge card, so your entire balance is due on your statement date. Besides that, only C-corp, S-corp, LLC, and LLP corporations are eligible for Brex, and you will also need to have healthy cash reserves.

Get Started with Brex

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7. Capital One Spark 1% Classic: Best For Fair Credit

Spark Classic from Capital One



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Capital One Spark 1% Classic



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Annual Fee:


$0

 

Purchase APR:


26.99% (variable)

Pros

  • Targeted at fair credit applicants
  • No annual fee

Cons

  • Low cash back rate
  • Minimal benefits

The Capital One Spark 1% Classic is a very solid business credit card that offers fast approval to business owners with at least fair (or average) credit.

Capital One specifically markets the Spark Classic card at users with fair credit. That makes the card a worthy option for business owners with a lackluster or young credit history.

There is a bit of a catch, though, because the card’s APR is relatively high, and the rewards program is rather modest (you get 1% cash back on all purchases). However, the card’s true value lies in its ability to build your credit. Capital One will report your credit activity to multiple 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. With enough use, the Spark Classic can help boost your credit score to the point where you will be eligible for business cards with a lower APR and better rewards programs.

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8. Wells Fargo Business Secured Credit Card: Best For Bad Credit

Wells Fargo Business Secured Credit Card



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Wells Fargo Business Secured Credit Card



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Annual Fee:


$25 per card

 

Purchase APR:


Prime + 11.90%

Pros

  • Solid rewards for a secured card
  • No annual fee

Cons

  • Requires a security deposit
  • Only a maximum of 10 employee cards

If you’re struggling to get a credit card because of a low credit score, signing up for a secured credit card is a viable option. That’s where the Wells Fargo Business Secured Credit Card comes in.

As one of the lone secured credit cards marketed at businesses, this bit of plastic from Well Fargo could be just the credit-building card you need. It also offers something not all secured credit cards do: rewards. You can choose to either receive 1.5% cash back on qualifying purchases or 1 point per dollar spent plus 1,000 points whenever you spend $1,000 or more in a monthly billing period.

Ultimately, your choice should be based on your spending habits. Low spenders (under $1,000 per month) or high spenders (above $2,000) will likely want to opt for the cash back format. Those in the middle (between $1,000 and $2,000 monthly) should get more bang for their buck with the rewards points scheme.

Read our in-depth review

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How To Get Approved For A Business Credit Card Faster

If everything goes right, you can often be approved for a new business credit card in less than a minute. Let’s go through what you can do to make this happen.

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, read Merchant Maverick’s article on 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 (if you’re a sole proprietor, use your name)
  • Business address
  • Type of business (corporation, partnership, LLC, etc.)
  • Your business role
  • Tax ID number (use your Social Security number if you’re a sole proprietor; use your Employer Identification Number (EIN) for other business types)
  • Years in business
  • Number of employees
  • Annual business revenue
  • Estimated monthly spending

Head To The Internet

Getting approved for a credit card via the internet 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.

Easiest Business Credit Card To Get: FAQs

What is the difference between secured and unsecured credit cards?

Secured credit cards require that you put down a security deposit when you sign up. Unsecured cards don’t have this requirement.

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. Of course, “instant” is an appealing word to use from a marketing perspective. Just remember: if it sounds too good to be true, it most likely is.

Are instant approval credit cards really instant?

It depends. 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.

Fast Approval Credit Card Alternative: Online Business Lines Of Credit

If you need funding for your business as soon as possible but are not enthused about the fast approval business credit cards currently available, consider a business line of credit instead since lines of credit work more like credit cards than term loans. You borrow funds up to a certain limit, and you only pay interest on what you borrow.

Some lenders offer instant approval, in which case the only waiting you’ll need to do will be for the funds to arrive in your account. Let’s take a look at a few business lines of credit offering instant approval.

Kabbage

Kabbage



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Kabbage is well-known for its remarkably quick application process. With Kabbage’s streamlined approval process, you may well be able to start drawing funds within a few minutes of getting approved. Want fast money? Kabbage can deliver.

However, that doesn’t mean Kabbage is all sweetness and light. The costs associated with a Kabbage line of credit are relatively high. You may end up paying 3.5% of your borrowing amount each month in fees. This could effectively equal an estimated APR of 36%.

With rapid approval and a maximum borrowing amount of $250,000, Kabbage’s lines of credit hold significant appeal for the entrepreneur in need of fast cash, despite the drawbacks.

Fundbox

Fundbox



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Fundbox’s business lines of credit are easier to qualify for than Kabbage’s. You only need to have a compatible accounting or invoicing software for at least two months before applying or have three months of transactions in a business bank account. There are no time-in-business requirements, and there’s no strict credit score requirement to meet.

You can establish a maximum credit line of $150,000 with Fundbox, making it competitive with Kabbage’s upper limit.

In Summary: What Are The 8 Easiest Business Credit Cards To Get?

Jared Beilby

Jared Beilby

Expert Analyst & Reviewer at Merchant Maverick
A credit card analyst and expert in neobanking, Jared has been researching and writing about small business finance since 2018. His data studies have been cited in a number of media outlets, including Forbes, MSN, and NBC. He holds a Bachelor of Arts in Journalism from George Fox University.
Jared Beilby
View Jared Beilby's professional experience on LinkedIn.

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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.

Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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