Obtaining a business credit card is a significant step to take when trying to build credit, maintain cash flow, and get access to necessary reward programs, especially among many business owners and entrepreneurs. However, when your business is still young, you have a small credit history, or you are still finding your feet financially, it may feel like networks are blowing in the wind when it comes to finding the easiest business credit card to obtain.
Luckily, there are easier ways to do it in the landscape. Planning to apply to a credit union, big bank, or a fintech startup, you should realize how to find the best pathway to quick approval.
The guide will delve deep into the world of easy-access business credit cards, and we will fully explore the business credit card offerings on the Hatch credit card, the Coast business credit card, the credit union business credit cards, and the promising new entrants such as the Corpay business credit card, the Torpago business credit card, and so on.
So at the end you will know where to begin—where to begin to raise your likelihood of succeeding.
What Makes a Business Credit Card “Easy” to Get?
Applying when discussing the easiest business credit cards to get, some features are always easier to get approved:
- Very Low Credit Score Minimums: There are cards that accept those with fair, spotty or even no personal credit history.
- Personal Guarantee is nonexistent: Unlike with most personal credit cards, in many cases, corporate credit cards and fintech cards approvals are made based on business revenue as opposed to credit score.
- Soft or No Credit Pulls: Certain cards will not entail a hard inquiry which will decrease your score temporarily.
- Easy and Speedy Programs: Internet-based applications and automated underwriting lead to approvals of applications in minutes as opposed to days.
Understanding these factors is crucial before starting your search.
Secured, Corporate, and Traditional Cards: The Differences
- Secured Business Credit Cards: In these, it is essential to make a deposit of cash as security. They are ideal for establishing or repairing credit.
- Corporate/Fintech Cards: Cards issued using business performance data (such as bank balances or revenue) instead of individuals’ FICO scores.
- Conventional Business Credit Cards: These cards are typically issued by banks and require fair to good personal credit ratings, along with personal guarantees.
Types of Easiest Business Credit Cards
Secured Business Credit Cards
When you are in an early career or coming out of a financial difficulty, the right place to begin is with secured cards such as the Bank of America Business Advantage Unlimited Cash Rewards Secured Card. There will be a deposit required but you would begin to establish your business credit as of right now.
Corporate/Fintech Cards
Contemporary alternatives such as the Ramp Business Credit Card or Brex Corporate Card are easier on the personal credit and more on the cash flow of your business so they are ideal when your business is growing at lightning speed or businesses that use technology.
Credit Union Business Credit Cards
The credit union business credit cards (such as the univest business credit card or umpqua business credit card) are usually made with flexible requirements, lower interest rates, and an outstanding personalized service.
Top Easiest Business Credit Cards to Get
Card Name | Type | Key Requirements | Notable Features |
Bank of America Business Advantage Unlimited Cash Rewards Secured Card | Secured | Security deposit, no major credit hurdles | 1.5% cash back, upgrade eligibility |
Ramp Business Credit Card | Corporate | Business bank account and revenue | No fees, 1.5% cash back, no personal guarantee |
Brex Corporate Card | Corporate | Business financials | No credit check, rewards programs, expense tracking |
Capital on Tap Business Credit Card | Unsecured | Fair credit, $30K+ annual revenue | Fast approval, 1.5% cash back |
Nav Prime Card | Charge | Nav Prime membership | Reports to business bureaus, no deposit |
First National Bank Business Edition Secured Visa | Secured | Minimal credit score, deposit required | Higher starting limits, reporting to major bureaus |
Univest Business Credit Card | Credit Union | Membership, basic creditworthiness | Competitive APRs, personalized support |
Torpago Business Credit Card | Corporate | EIN and business revenue | No personal guarantee, business expense management tools |
Credit Union Business Credit Cards
Small businesses still have privileges that provide credit through credit unions in order to gain access to credit with flexibility. They are not only more likely to have lower APR rates, but the process in which credit offers are made may often be more personalized.
Here are a few worth noting:
- The Univest Business Credit Card: It provides simple rewards, flexible limits, and local business support.
- Umpqua Business Credit Card: It is more focused on relationship banking with good rates.
- TX Bank Business Credit Cards: Local centricity and surprisingly accommodating entrance standards.
- Mechanics Bank Business Credit Card: Golden choices are available in California, where a tight focus on low charges and local authorization are options.
Membership in a credit union is easy, especially because the membership eligibility in individual credit unions is usually geographical, employment, or associational.
Fintech and Corporate Card Solutions
Business crediting has been changed by the fintech disruptors:
- Ramp Business Credit Card: Ramp is a digital-first corporate card company that only needs a healthy business bank account (not a credit score that takes ages to build).
- Brex Corporate Card: You do not need a personal guarantee; the card depends only on the financial activity of your business.
- Coast Business Credit Card: It is a powerful niche player that was specifically designed to serve the fleets and mobility companies.
- Corpay Business Credit Card: A card created to use when it comes to the scale of business expenses, where the application requirements are easy.
- Torpago Business Credit Card: Offers an entire expense management platform and fast approvals.
Such fintech solutions tend to be quick on their application, contemporary in their interfaces, and useful in offering financial tools, without attaching your credit to that of your business.
Key Requirements and How to Apply
Regardless of which card you pursue, you’ll usually need:
- Employer Identification Number (EIN): Establishes your business entity.
- Business Bank Account: Proof of cash flow or revenue.
- Business Registration Documents: LLC or incorporation papers, or sole proprietorship certificates.
- Revenue Documentation: Tax returns, bank statements, or accounting software reports.
Tips to Boost Your Approval Odds
- Maintain Consistent Revenue: Even modest income helps.
- Keep Accurate Records: Lenders like clean, well-organized financial documents.
- Join a Credit Union: Often easier for members to qualify for their credit union business credit cards.
Pros and Cons of Easy-Approval Business Credit Cards
Pros:
Quick Decisions: It may take only minutes or, in some cases, a few hours.
Minimal Requirements: Best suitable for inexperienced businesses.
Building business credit: Establishing business credit can get future finance opportunities.
Reward Programs: Four out of five fintech and even secured cards usually provide cashback or points.
Cons:
Secured Cards Need Deposits: Locking up money may be a burden when on a tight budget.
Revenue-based Approvals: Liquidity-strained very early businesses may not be able to use corporate cards.
Fewer Rewards and Perks: Lower-tier cards can have fewer rewards and perks than a premium card.
Frequently Asked Questions
What are the easiest business credit cards to get with bad or no credit?
Secured credit cards such as the Bank of America Business Advantage Unlimited or the First National Bank Business Edition Secured Visa can provide good initial options to the rebuilding or just starting.
Can I get a business credit card with just my EIN?
Yes! A lot of fintech cards (such as Brex and Ramp) revolve around business banking data based on your EIN versus personal commitments.
Are credit union business credit cards easier to qualify for?
In a lot of situations, definitely. Credit union business credit cards would normally be cheaper than the standard credit card, easier to underwrite, and the humanization of the large banking system is a plus.
How fast can I get approved for a business credit card?
A great number of fintech platforms are available with same-day approval once submitted documentation is processed. Credit unions and regular banks might be a couple days slower.
Conclusion
It is no longer quite so difficult to locate the easiest business credit card to get in 2025. Due to a flood of fintech innovation, additional credit union services, and secured card options, the variety of choices that an entrepreneur has is greater than ever before.
Choices such as Hatch Business Credit Card requirements, coast business credit card, corpay business credit card, and traditional credit union business credit cards ensure there is a route to go as far as your business is concerned, even if you are a new start-up or an established corporation growing at a rapid pace.
Prior to applying, take an inventory of the finances of your business, collect the required papers, and match the choice with your business growth objectives. It is not only the right card, but it is the card to build a prosperous financial future.