The 5 easiest business credit cards to get in May 2025

To find business credit cards that are easy to get, you’ll need to consider the features of each card, including the application requirements and qualifications, as well as the approval times and credit availability.

Clear eligibility requirements

Clear, upfront eligibility criteria are necessary for business credit card applicants. Clear requirements allow applicants to determine if they qualify without spending time on lengthy applications that may end in rejection. The best business credit cards provide transparent requirements for business age, revenue expectations, and credit score requirements.

Minimal credit history requirements

Minimal credit history requirements make certain business credit cards significantly more accessible, particularly for startups. Some modern card providers have developed alternative underwriting methods that consider business cash flow, revenue projections, and banking history instead of focusing exclusively on traditional credit metrics.

EIN-only application option

Applications that only require Employer Identification Numbers (EIN) allow businesses to qualify for credit cards without the provider checking the personal credit of the applicant or founder. As a result, EIN only business credit cards give your company the option to access business credit based on the company's financials, making them among the best business credit cards that don’t check personal credit.

Fast approval turnarounds

Fast approval times improve accessibility for entrepreneurs who need quick access to a business credit. Cards offering instant decisions deliver immediate clarity on approval status, eliminating the waiting period that traditionally accompanies credit applications. This accelerated timeline can be invaluable for business owners facing time-sensitive opportunities or unexpected expenses that require immediate funding.

Flexible credit limits and structures

Flexible credit limit structures allow businesses to access financing that traditional corporate credit card programs can’t match. Some providers offer secured business credit cards, allowing businesses and entrepreneurs with limited credit history to get cards through security deposits that establish their initial credit lines, making approval significantly more attainable. Separately, dynamic limit cards that adjust based on business performance and cash flow patterns provide scalable solutions that grow alongside businesses without requiring new applications or credit checks.

As you look for a business credit card that is easy to get approved for, consider the options below.

1. The Brex Business Credit Card

The Brex business credit card stands out for its flexible borrowing requirements, including allowing applications with only an Employer Identification Number (EIN). Brex also doesn’t require any personal guarantee or personal credit check, allowing you to separate your personal assets from your business. To qualify, Brex analyzes your company's financial health and growth trajectory, which often results in higher credit limits and more spending power.

The Brex card is a core component of Brex's overall spend management platform, which integrates expense management, startup banking, travel management, accounting automation software, and automated bill pay in one place. This financial stack delivers a complete solution for both early-stage and enterprise companies, separating Brex from conventional card issuers.

Card details

• Annual fee: $0
• APR: N/A (Charge card — balance due in full each month.)
• Minimum credit score requirement: No personal credit check required
• Typical spending limit range: Up to 10-20x higher than traditional cards, based on cash balance and revenue.

Key benefits

• No personal guarantee: Brex doesn't require personal guarantees, insulating personal finances from business expenses. This underwriting approach creates a true separation between company and individual assets, and allows your credit access to be determined by your business performance, not your personal finances.
• High credit limits: Companies maintaining strong cash positions, established revenue, and consistent growth can secure credit limits up to 20x higher than traditional cards. Your credit limit can increase as your business expands, ensuring that the Brex card grows with your business.
• Global capabilities: Operating through the Mastercard network, Brex cards provide worldwide acceptance with local-currency cards and billing across 50+ countries. This international infrastructure minimizes foreign exchange costs, making Brex one of the top business credit cards for globally operating businesses.
• Business rewards: Brex rewards give your business up to 7x points on expenses, including travel and software. Redemption options include standard cash back and travel miles alongside billboards and gift cards.
• Partner discounts: Upon enrollment, businesses can access partner benefits exceeding $180,000 in value, including credits for AWS and Freshworks alongside discounts from UPS, QuickBooks, Slack, and other services.
• Integrations: Brex connects seamlessly with popular accounting platforms, enterprise resource planning systems, and human resource management tools through bidirectional data synchronization.

Drawbacks

• Small businesses lacking consistent cash flow may not get approved
• Charge card requires balances to be paid in full each month
• Lack of physical branch locations

Who is this card best for?

The Brex business credit card is the best card for growing companies seeking substantial credit limits, valuable rewards programs, and unified expense management capabilities. The Brex business credit card requires no personal guarantee, creating a clear separation between company and personal finances. This safeguards individual credit profiles while strengthening corporate credit standing.

2. Bank of America Business Advantage Unlimited Cash Rewards Secured Card

The Bank of America Secured Business credit card helps small business owners build or improve their credit while earning 1.5% cash back on purchases. The card requires a refundable security deposit as collateral, ranging from $1,000 to $10,000, which determines your credit limit. Cardholders aren’t charged an annual fee, can access free credit management tools, and can access Bank of America business accounts for financial tracking.

Card details

• Annual fee: $0
• APR: 27.49% variable APR
• Foreign transaction fee: 3%

Key benefits

• No annual fee
• 1.5% cash back
• Signup bonuses for new BofA customers

Drawbacks

• $1,000 minimum security deposit
• Relatively high foreign transaction fee
• 4% balance transfer fee
• Requires a personal guarantee

Who is this card best for?

The Bank of America Secured Business card serves businesses that primarily want a credit card to build credit and don’t need access to large amounts of credit. These businesses should understand that late payments can have a negative impact on business credit and can hurt their chances at qualifying for other cards in the future.

3. Valley Bank Visa® Secured Business Credit Card

The Valley Bank Visa® Secured Business credit card can help small business owners establish or rebuild their business credit while managing everyday expenses. As a secured card, it requires a cash deposit that serves as collateral and determines the credit limit. Cardholders can access competitive interest rates, expense tracking tools, and Visa's global acceptance.

Card details

• Annual fee: $0
• APR: 28.49%
• Foreign transaction fee: 2%

Key benefits

• 0% intro APR
• Car rental collision damage waiver
• Emergency card replacement service
• Zero-fraud liability protection

Drawbacks

• $300 minimum security deposit
• 3% balance transfer fee
• Requires a personal guarantee, so personal assets can be at risk
• Requires a security deposit that is 110% of your credit limit

Who is this card best for?

The Valley Bank Visa Secured Business credit card is best for businesses looking to access credit through its 0% introductory APR promotion. Nonetheless, any businesses taking advantage of that promotion should have a plan to repay any debt they accumulate as the card’s personal guarantee requirement can put personal assets at risk.

4. Capital One Spark 1% Classic

The Capital One Spark 1% Classic is an entry-level option for small businesses operating with fair credit profiles, functioning as a step toward improved business credit. The card offers 1% cash back on all purchases, which is lower than some competitors but can give businesses some rewards for using the card. This card functions primarily as a credit improvement tool.

Card details

• Annual fee: $0
• APR: 29.99% variable APR
• Foreign transaction fee: $0

Key benefits

• No annual fee or foreign transaction fees
• 1% cash back on all purchases
• Easy to qualify with average credit

Drawbacks

• High APR
• Credit lines tend to be very low
• Reports to personal credit bureaus
• There are no higher reward tiers outside of Capital One Travel

Who is this card best for?

This card is a great tool for building or improving business credit history. While it lacks the high-reward features of other business cards, its accessibility and lack of an annual fee make it a good option for small businesses. Nonetheless, the Capital One Spark 1% Classic’s modest cash back rate falls short compared to many other corporate cards.

5. First National Bank Business Edition® Secured Visa Card

The First National Bank Business Edition® Secured Visa Card helps business owners establish or rebuild business credit. The credit limit on this card is equal to the security deposit, which can range from $2,000 to $100,000. The card offers spending reports, fraud monitoring, and Visa's worldwide acceptance.

Card details

• Annual fee: $39
• APR: 25.99%
• Foreign transaction fee: 3%

Key benefits:

• High potential credit limit
• Business credit bureau reporting
• Online account management
• Purchase protection

Drawbacks

• Annual fee
• High minimum deposit
• No rewards program
• Requires a personal credit check

Who is this card best for

The First National Bank Business Edition Secured is best for companies looking to establish their credit profile. This card gives businesses access to a no-penalty APR, customizable payment due dates, and tools to streamline financial management. Nonetheless, its qualification process requires both a personal credit evaluation and a $2,000 minimum deposit requirement.

If your business is looking to maximize your business credit card benefits, compare the features below to find the best card for your venture.

High credit limits

High limit business credit cards give businesses access to the credit they need to expand and grow. That credit can be used to make large inventory purchases or to finance projects without having to rely on banks and deplete operating cash. In many cases, card providers will use your personal credit to determine the credit available to your business. As a result, the credit limit on your business credit card may not reflect your business’s true performance and potential.

But not all card providers use personal credit scores to determine your business’s access to credit. The Brex corporate card, for instance, evaluates your company’s cash reserves and revenue to determine your credit limit. This can give your business access to credit limits that are 10x to 20x higher than traditional cards, benefitting startups and businesses with healthy cash flow but limited credit history.

Valuable rewards programs

Rewards vary by card, and some corporate business cards limit rewards to cash back or statement credits. Rewards from these cards are similar to a personal credit card and can provide few returns on your business spending. Some other cards offer rewards back in the form of miles, but that may not be useful if your employees don’t travel frequently.

To find the card with a rewards program that works for your business, first determine your major expense categories, such as advertising, travel, or software. Then, find cards that offer bonus rewards or multipliers for those categories. Once you do that, compare those cards and their earning rates and redemption options to find the program that offers the most value to your business.

Business cards such as the Brex business card allow your business to earn rewards across all categories, with reward multipliers for rideshare, travel, restaurants, and software. Rewards can be redeemed as cash back or statement credit, but they can also be used for billboards, miles, and team offsites.

Minimal fees

Business credit card fees can add up quickly, making it important to find a card with minimal or no fees to maximize the value of your card. Some providers do offer no annual fee business credit cards, but it's important to consider which fees may be worth paying and which aren't.

As you look for the right corporate card for your business, consider all of the fees your business could be charged. For international companies, foreign transaction fees can add up quickly with many cards charging up to 3% per transaction. Beyond that, late payment fees can become significant expenses along with issuers charging APRs up to 29.99%. Your business could also be charged for each additional user added to your card program, increasing your costs to grow and scale.

Some of these fees are unavoidable, while others can be avoided by finding the right card provider. Cards like the Brex corporate card don’t charge annual fees and allow you to issue as many cards as your business needs. As you grow, you may require dozens or even hundreds of company credit cards for employees and vendors, and with Brex, your business can issue additional cards without additional costs. Your business shouldn’t have to pay a fee each time you issue a physical or virtual business credit card.

The Brex card can also allow your business to avoid FX fees by issuing cards in local currencies. With Brex, you can issue cards in the currency of over 50 countries, enabling your international workforce to spend without the fees.

Customer service is readily available

When you need customer service for your card, you want to be sure you can reach them. And if you’re traveling abroad or taking clients to dinner, you don’t want to wait until the next business day to get the help that you need. Yet, with some credit card companies, that’s what you’ll be doing.

Between limited customer service hours and sluggish resolution times, many providers don’t offer the support a growing and dynamic business needs. With a card provider like Brex, you don’t have to settle for slow resolutions and next-day customer service availability.

Brex offers customers access to 24/7 customer support via phone, live chat, or email. With Brex, whenever an issue arises, you’ll have access to immediate support, giving you the confidence that a small issue won’t become a major problem.

Exclusive partner discounts

Beyond rewards for spending, corporate cards can also offer your business exclusive partner discounts that can allow your business to save on expenses like subscriptions or technology. Nonetheless, these discounts can vary widely so it can be important to consider whether or not they offer any substantial savings to your business.

The most beneficial discounts give your business substantial savings on ongoing expenses such as software, cloud services, shipping, office supplies, and advertising. Some card providers, like Brex, offer partner discounts valued up to $180,000. With Brex, businesses can qualify for AWS credits, rewards on purchases from Apple, as well as QuickBooks and UPS discounts.

The right business credit card can help propel a business’s growth, but for businesses that need a card that’s easy to qualify for, there are few options. Business secured cards are one option, but the credit limits and rewards can be very limited.

The Brex business credit card is the easiest card to get approved for thanks to a lack of a personal guarantee and personal credit check. With the Brex card, your credit limit is aligned to your business performance, giving your business access to the credit it needs while ensuring your limit grows with your venture.

Yet, the Brex card gives your business more than just access to credit. With Brex, your business can gain control of all its spend through robust expense management software, bill pay, accounting automation, travel and expense management, and business banking.

Brex allows your business to issue cards to employees at no additional cost, and the Brex expense management tools ensure costs won’t spiral out of control as more cards are issued. Each Brex card can be embedded with custom expense policies, restricting spending by employee, department, category, amount and nearly any other restriction you need.

As employees use their cards, you can track and adjust spend in real time using live budgets. So while your business is earning rewards and taking advantage of partner discounts, you can be sure that there aren’t any surprises at the end of the month.

Sign up for a Brex card today to get access to the credit your business needs while not losing any control over expenses.