The 5 easiest business credit cards to get in September 2025

Several factors determine how accessible a business credit card is, including application requirements, qualification standards, and approval processes that align with your business needs.

Clear eligibility requirements

Accessible business credit cards provide transparent, upfront criteria that allow applicants to determine their qualification status before spending time in the application process. These business credit cards specify requirements for time in business, revenue thresholds, and credit score expectations, eliminating uncertainty and reducing rejection rates for qualified applicants.

Minimal credit history requirements

The easiest business credit cards to get use underwriting approaches that go past traditional credit requirements. These providers evaluate business cash flow, revenue patterns, and banking relationships to determine creditworthiness, which can benefit startups and growing companies without an established business credit score but strong business fundamentals.

EIN-only application option

EIN-only business credit cards allow businesses to qualify based solely on their federal tax identification number, rather than considering personal credit and guarantees in the application process. This approach allows companies to access credit based on business performance and financial health rather than personal credit profiles, maintaining clear separation between business and personal finances.

Fast approval turnarounds

Cards offering fast approval processes, including instant or same-day decisions, eliminate the waiting periods that can extend for weeks with traditional cards. This accelerated timeline can be particularly valuable for businesses facing time-sensitive opportunities or urgent funding requirements that need immediate access to credit.

Flexible credit limits and structures

The most accessible corporate credit card programs offer several different pathways to approval through varying application requirements. Secured business credit cards allow businesses to establish credit lines through security deposits, while dynamic limit structures adjust credit availability based on business performance metrics, providing scalable solutions that grow with the company without requiring additional applications or credit reviews.

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
• It is a business charge card that 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. You can apply for the Brex business credit card with 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 business credit card rewards are limited 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 a corporate card 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.

The best business rewards credit 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 corporate virtual cards.

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.

If you’re building business credit or want to avoid a personal guarantee, certain card categories tend to have more accessible approval criteria. Eligibility always varies by issuer, but the options below are generally the most approachable.

Secured business credit cards

Your credit line is backed by a refundable security deposit, which reduces the issuer's risk and makes approval more accessible for thin or rebuilding credit profiles. Secured business credit cards work well for new businesses, founders with limited credit history, or anyone prioritizing a straightforward path to establish business credit. Your cash stays tied up as a deposit, starting limits can be modest, and rewards are usually basic. Many issuers offer an upgrade path to an unsecured card after you demonstrate responsible use.

Business charge cards (no personal guarantee)

Approval for business charge cards is based primarily on business fundamentals like cash balance, revenue, and spending patterns rather than personal credit, and typically doesn't require a personal guarantee. Incorporated companies with consistent revenue or meaningful cash reserves can access higher limits while keeping business and personal credit separate. You'll need to link business financial accounts and pay the statement in full each cycle, making these cards less suitable for early-stage companies with highly volatile cash flow.

Unsecured cards for fair or limited credit

Entry-level small business cards are designed for owners with fair or limited credit histories and feature straightforward underwriting. Businesses with some operating history and owners whose personal credit is improving but not yet excellent can qualify more easily. Expect lower starting limits, simpler rewards, and a personal guarantee requirement. Some products may report to personal credit, which matters if you're managing utilization carefully.

Fuel and fleet cards

Some issuers offer starter fleet programs with lower initial limits and criteria aligned to fuel usage, making them more accessible for businesses with vehicles. Logistics, delivery, and field service teams that spend regularly on fuel and maintenance benefit most from these products. Usage remains limited to specific categories, and you may encounter program fees and issuer-specific requirements around volume or vehicle count.

When determining which easy-approval business credit card to apply for, you’ll need to choose between secured and unsecured business credit cards. The right decision depends on your business's financial situation, credit goals, and growth plans. Here's how to determine which makes sense for your company.

Understand the differences

Secured business credit cards require a cash deposit that typically equals your credit limit. If you put down $2,000, you get a $2,000 line of credit. This deposit acts as collateral, making these cards easier to qualify for but tying up cash that could be used elsewhere in your business. Most secured cards eventually allow you to move to an unsecured card after you establish a responsible payment history.

Unsecured cards don't require deposits and give you access to credit based on your creditworthiness. Traditional unsecured cards often require good personal credit scores and personal guarantees, but there are alternative options like issuers that don't require personal guarantees that evaluate your business based on cash flow and revenue instead of personal credit history.

The trade-off is cash versus credit freedom. Secured cards preserve your personal credit but require upfront deposits. Unsecured cards provide immediate spending power without tying up cash, but traditional options often put your personal assets at risk through personal guarantees.

Consider your credit profile

Your business credit score and personal credit history often determine which card type makes more sense. If you have established business credit and strong personal credit, unsecured cards typically offer better rewards, higher limits, and more features. You can compare business credit cards to find options that match your credit profile.

For newer businesses or those with limited credit history, startup business credit cards can provide an alternative to secured cards. These evaluate your business based on factors like cash balance and revenue rather than traditional credit metrics. Understanding how long it takes to build business credit can help you plan whether to start with a secured card or look for unsecured options designed for newer businesses.

If you're trying to build business credit while protecting your personal credit, look for business credit cards for building credit that report to business credit bureaus without requiring personal guarantees.

Evaluate business cash flow

Your company's cash flow management directly impacts which card type you'll qualify for and which makes financial sense. Businesses with cash flow problems or inconsistent revenue patterns can struggle to qualify for traditional unsecured cards, which rely heavily on demonstrated financial stability and predictable income streams.

Lenders evaluating unsecured card applications look for consistent monthly revenue, positive cash flow trends, and adequate cash reserves. Since not all businesses have the cash flow to qualify for unsecured business credit cards, secured cards can be an effective option to access credit and build business credit.

Determine long-term goals

Your business's growth trajectory should influence your card choice. If you're planning rapid expansion, you'll likely need higher credit limits and more sophisticated expense management features. Corporate cards for growing businesses often include expense management tools, corporate credit cards for employees, and integration capabilities that secured cards typically don't offer.

Also consider whether you want to build business credit without using personal credit over the long term. If separating business and personal finances is a priority, look for unsecured options that don't require personal guarantees rather than starting with secured cards that often require personal liability.

The choice between secured and unsecured business credit cards ultimately depends on balancing immediate needs with long-term goals. Secured cards work well for businesses prioritizing credit building with minimal risk, while unsecured options better serve companies needing immediate spending power and advanced features to support growth.

A few practical steps can meaningfully improve your approval odds and reduce back-and-forth during underwriting.

Match your profile to the right card type

Choose a card category that fits your business stage. Apply for secured cards if you're establishing credit, corporate cards if you have strong cash flow, or entry-level unsecured cards if your personal credit is fair. Targeting the right segment aligns your application with the issuer's risk model and increases your approval chances.

Separate business finances and get an EIN

Form a legal entity and obtain an EIN. Open a business bank account and use a consistent business address and domain across all applications. Clear separation signals legitimacy and gives underwriters clean financials to assess.

Strengthen your cash flow signals

Maintain healthy average balances in your business accounts. Reduce large unexplained outflows and keep revenue deposits consistent. Be ready to link your business banking and accounting software during the application process. Strong operating metrics can outweigh limited personal credit history, especially for cash flow underwritten and corporate products.

Build your business credit file

Establish trade lines with vendors that report to credit bureaus. Pay invoices on time and ensure your business information stays current with major commercial bureaus. A visible payment history reduces perceived risk and can unlock higher starting limits.

Prepare documents before you apply

Gather your legal entity documents, EIN, beneficial owner information, recent business bank statements, and revenue details before starting any application. Complete and consistent documentation speeds decisioning and avoids unnecessary delays.

Use prequalification and apply selectively

Check for prequalification or soft-pull assessments when available. Apply to one well-matched product at a time rather than submitting multiple applications. This approach minimizes hard inquiries and keeps your credit profile stable during the process.

Reduce personal credit utilization and resolve errors

Pay down revolving balances and avoid new late payments. Dispute any clear inaccuracies on your personal credit reports before applying. Since many small business cards review personal credit for the guarantor, cleaner utilization and error-free files improve your outcomes.

Consider a smaller starting limit or a secured option

Accept a conservative initial limit or choose a secured product as a stepping stone if needed. Lower initial risk for the issuer increases your likelihood of approval and creates a path to future upgrades.

Show a clear spending plan

Outline your expected spending categories like software, advertising, and travel. Include your typical monthly volume and the controls you plan to implement. Demonstrating legitimate business need and responsible use gives underwriters confidence in your application.

Apply after positive milestones

Time your application after a strong revenue month, signing a new contract, closing a funding round, or filing updated financials. Underwriting captures a snapshot in time, so better metrics translate directly to better decisions.

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.