The Easiest Instant Approval Business Credit Cards To Get In 2023

Brex Rewards

I should begin this section by stating that Brex is not for typical small businesses. It is exclusively for startups with exponential growth potential, preferably those backed by venture capital. If this is you, however, Brex is a card you can get regardless of your credit health.

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. What’s more, you won’t undergo a credit check when applying, and there is no personal guarantee requirement.

• Earn 8X points on rideshares, 5X points on Brex Travel, 4X on restaurants, 3X on software, and 1X on everything else
• Exclusive signup offers worth $150,000+ from QuickBooks, UPS, AWS, and other Brex partners

Brex Eligibility

• Only open to C-corp, S-corp, LLC, & LLP startups
• Startups without professional investors must have $1 million+ in the bank
• Startups with professional investors must have $50,000+ in the bank
• You must make Brex your exclusive corporate card and sign up for automatic daily repayments to be eligible for maximum rewards

Where Brex Really Shines

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 startups. Plus, Brex offers instant card numbers so that your business will be able to start using virtual cards upon approval.

However, Brex’s laser focus on startups with exponential growth potential and high cash-on-hand requirements means it’s not the card for regular small businesses.

Ramp Rewards

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. It’s a corporate charge card that carries some nice rewards — if you qualify, that is.

• 1.5% cash back on your business’s total spend
• “Pricing intelligence” that helps you reduce spending (Ramp claims you’ll save an average of 27% on SaaS contracts)
• Access $350,000+ in partner rewards with Amazon Web Services, Xero, Stripe, and many other services

Ramp Eligibility

• At least $75K in the bank
• Must be a corporation or other non-individual limited liability company
• Must be US-based

Where Ramp Really Shines

While Ramp does have stiff cash-on-hand requirements, Ramp won’t check your personal credit and does not require a personal guarantee. That means Ramp is ideal if your business has strong financials but you have little or no credit history. Just know that you’ll have to pay off your card in full every 30 days — your payment will be automatically debited from your business bank account.

Just remember that Ramp is a corporate card. If you’re wondering “What is a corporate card?“, click the link for an explainer, then read our article on the best corporate credit cards.

Chase Ink Business Preferred Rewards

Chase Ink Business Preferred has a higher standard for instant approval than some credit cards on this list as it requires good or excellent credit. But if you meet this threshold, it’s an excellent card for business use.

• 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
• Earn 100,000 bonus points after you spend $15,000 within your first 3 months

Chase Ink Business Preferred Eligibility

• Requires good or excellent personal credit

Where Chase Ink Business Preferred Really Shines

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 purchases, gift cards, and cash back, making this an extremely versatile card. Do note, however, the Ink Business Preferred’s $95 annual fee.

Amex Blue Business Plus Rewards

The Blue Business Plus from American Express is a great easy approval business credit card for those looking for a year-long 0% intro APR. 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.

• 0% intro APR for 12 months
• Earn 3X 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

Amex Blue Business Plus Eligibility

• Requires good to excellent credit

Where Amex Blue Business Plus Really Shines

With Blue Business Plus, 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 12-month 0% intro rate, this card lacks an annual fee, making it ideal for businesses that won’t be charging more than $50K/year on their card.

Capital One Spark Cash Plus Rewards

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 an exceptional cash-back program.

• Unlimited 2% cash back on all purchases
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn up to $1,000 in the first 6 months — $500 after you spend $5,000 in the first 3 months & another $500 after you spend $50,000 in the first 6 months
• Earn a $200 cash bonus each year you spend $200,000+

Capital One Spark Cash Plus Eligibility

• Requires excellent credit

Where Capital One Spark Cash Plus Really Shines

Combine the 2% cash back with the generous welcome offer and the $200 cash bonus for businesses that spend over $200K per year, and you have a business credit card that truly rewards business spending. However, this fast approval card’s $150 annual fee will eat into your rewards, plus you’ll have to pay off the card entirely each month. But if your business has strong financials and you’ll be doing a considerable amount of business spending, the rewards will outweigh these drawbacks.

What’s more, the 5% cash back you’ll earn on travel booked through Capital One’s travel portal makes this card very attractive for businesses with significant travel needs.

Capital One Spark Miles Select Rewards

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.

• Unlimited 1.5X miles on all purchases
• Earn 20,000 bonus miles after you spend $3,000 in the first 3 months
• 0% intro APR for 9 months

Capital One Spark Miles Select Eligibility

• Requires excellent credit

Where Capital One Spark Miles Select Really Shines

The Spark Miles Select will immediately begin earning your business valuable miles right off the bat. You can transfer your miles to one of 15+ Capital One travel partners, and you won’t need to think about balancing your travel rewards against the annual fee, as there is no annual fee. This makes the Spark Miles Select a great travel card for businesses with a more modest level of business spending.

Capital One Spark Classic Rewards

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. As such, its rewards scheme is quite simple:

• Earn 1% cash back on all purchases

Capital One Spark Classic Eligibility

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.

Where Capital One Spark Classic Really Shines

Though the Spark Classic’s APR is relatively high and the rewards program is rather modest, 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.

OpenSky Secured Visa Rewards

The OpenSky Secured Visa not only doesn’t check your credit when you apply — it doesn’t even require you to have a bank account. It also requires a lower minimum security deposit ($200) than Wells Fargo’s secured business card, making the OpenSky Secured Visa the best credit card for guaranteed approval. The downside: the card does not offer rewards for your spending.

OpenSky Secured Visa Eligibility

• No credit score requirements
• Requires a security deposit from $200 to $3,000 that establishes the amount of your credit line

Where OpenSky Secured Visa Really Shines

The OpenSky Secured Visa’s draw is that with no credit score requirements and a deposit of only $200 required, it may be the easiest credit card you can possibly get to fund your business (and you can build your credit by using the card responsibly). However, the card’s $35 annual fee and lack of rewards mean that if you’re able to pay a higher security deposit, you may want to go with the Wells Fargo Business Secured card instead.