The best instant approval business credit cards offer an online application option and approval decision within minutes, with benefits like introductory rewards, ongoing rewards, a 0% Annual Percentage Rate (APR), welcome offers, and other perks.
The faster your business gets approved for a credit card, the sooner you can use your credit line for business expenses. When choosing which suits you best, consider the fees, ongoing APRs, and additional features. Our top recommendations include regular business credit cards, charge cards, and a secured business card.
Banks and card issuers don’t offer instant approval for business credit cards. In the brief time between the application and approval decision, the issuer is rapidly verifying your credit and identity, allowing them to make a decision within as little time as possible.
Here are our eight top-recommended business credit cards with instant approval:
- American Express Blue Business Cash™: Best overall instant approval business credit card with a fast approval process and expanded buying power
- Coast Fuel Card: Best for fuel expenses and businesses with fleets with no personal guarantee
- American Express Blue Business® Plus: Best for easy application and fixed-rate points rewards
- Brex Business Card: Best for startups and large companies looking for daily or monthly payment options
- Capital One® Spark 1% Classic®: Best for business owners with fair credit
- Capital On Tap Business Credit Card: Best for instant virtual cards and credit limits up to $50,000 with fixed-rate cash back
- Capital One Spark Cash Plus: Best charge card with generous introductory and ongoing rewards
- Valley Visa® Secured Business Credit Card: Best secured business credit card with a straightforward pre-qualification process
Overview of the Best Instant Approval Business Credit Cards 2024
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 American Express Blue Business CashTM | Overall best with a fast approval process & expanded buying power | $0 | Up to 2% cash back | Good to Excellent | ||
 Coast Fuel Card | Fuel expenses and businesses with fleets with no personal guarantee | None—pay $4 per active card, per month | None | 2 cents per gallon on gas and 1% cash back for other purchases | Good to Excellent | |
 American Express Blue Business® Plus | Easy application and fixed-rate points rewards | $0 | Up to 2x points per dollar | Good to Excellent | ||
 Brex Business Card | Startups and large companies looking for daily or monthly payment options | $0 | Up to 8x points | Good to Excellent | ||
 Capital One® Spark 1% Classic® | Business owners with fair credit | $0 | None | Up to 5% cash back | Fair | |
 Capital On Tap Business Credit Card | Instant virtual cards and credit limits up to $50,000 with fixed-rate cash back | $0 | 1.5% cash back | Fair, Average | ||
 Capital One Spark Cash Plus | Charge card with generous introductory and ongoing rewards | $150 | Up to 5% cash back | Excellent | ||
 Valley Visa® Secured Business Credit Card | Secured business credit card with a straightforward pre-qualification process | $0 | None | 1% cash back | Poor, Limited |
American Express Blue Business Cash™: Overall Best Instant Approval Business Credit Card With Fast Approval Process & Expanded Buying Power
BEST FOR:
Those who want better cash back rewards 
The American Express Blue Business Cash™ Card
Pros
Cons
Pros
Cons
Who Should Consider the American Express Blue Business Cash™
Our overall best instant approval business credit card lets you apply online and get a decision within 30 seconds. It also features expanded buying power—which adjusts your buying power after meeting certain criteria. For this reason, it tops our list of the leading small business credit cards.
Rewards:
- 2% cash back on the first $50,000 in purchases, then 1% cash back after the cap is met
- 1% cash back on all other purchases
Other benefits:
- Receive a $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- Enjoy $0 annual fees
- Take advantage of the 0% introductory period on purchases for the first 12 billing cycles
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
Coast Fuel Card: Best for Fuel Expenses & Businesses With Fleets With No Personal Guarantee
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Who Should Consider the Coast Fuel Card
This is a good choice for those with significant fuel expenses as you can get a discount. Moreover, if you have multiple existing personal guarantees, then you are highly likely to get instantly approved with the card. Aside from the rebates on fuel expenses, you can get rebates on the issuer’s listed partners. These are why the card is one of our top-recommended business cards for LLCs.
Rewards:
- 1% cash back on every purchase at merchants other than gas stations
Other benefits:
- Get up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- Receive real-time alerts for suspicious card activity
- Onboard new users with Coast’s easy-to-use spend management board
Take note of the following considerations:
- It charges monthly fees.
- It requires you to pay your balances in full each month.
American Express Blue Business® Plus: Best for Easy Application & Fixed-Rate Points Rewards
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Who Should Consider the American Express Blue Business® Plus
Like the American Express Blue Business Cash™, this business credit card gives out a decision within 30 seconds of applying online. However, instead of cash back, it lets you earn points. It’s no surprise that it’s one of our best sole proprietorship business cards.
Rewards:
- 2x Membership Rewards® Points on the first $50,000 in purchases, then 1x Membership Rewards® Points after the cap is met
- 1x Membership Rewards® Points on all other purchases
Other benefits:
- Earn 15,000 Membership Rewards® Points after spending $3,000 in purchases within the first three months from the date of account opening
- Take advantage of the 0% introductory period on purchases for the first 12 billing cycles
- Receive year-end summaries, which let you review your spending for the past year
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
Brex Business Card: Best for Startups & Large Companies looking for Daily or Monthly Payment Options
 Brex CardBEST FOR: Those who want daily or monthly payments | |
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Who Should Consider the Brex Business Card
It is great for startups and large companies wanting the option to choose between using the card as a charge card (paid monthly) or a business prepaid card (paid daily). It also does not have strict requirements, so you could easily get approved. For this reason, it is one of our top business cards for self-employed.
Brex Business Card is issued by Emigrant Bank and Fifth Third Bank, NA. Brex has 10 partner banks—all of which are Federal Deposit Insurance Corp. (FDIC)-insured.
Rewards:
Depending on your payment option, Brex offers the following rewards:
Other benefits:
- Get 10,000 points after spending $3,000 in purchases within the first three months from the date of activation
- Issue different kinds of cards (i.e., physical, virtual, metal) depending on your business needs
- Receive coverage for physical damage and theft to a rental vehicle
Take note of the following considerations:
- It requires you to have an active Brex Business Account prior to getting the card. Learn more about it through our Brex Business Account review.
- Its rewards are not as inclusive compared to other cards.
- It does not allow ATM withdrawals.
Capital One® Spark 1% Classic®: Best for Business Owners With Fair Credit
Capital One Spark 1% Classic
BEST FOR:
Those with fair credit
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Who Should Consider the Capital One® Spark 1% Classic®
Those with fair credit standing looking for quick approval can choose this unsecured business credit card. While it requires you to pay in full each month, it makes up for it with fixed-rate cash back rewards and $0 annual and balance transfer fees. These are why it leads our roundup of the top-recommended business cards for fair credit.
Rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1% cash back on all purchases, with no limits or category restrictions
Other benefits:
- Enjoy $0 foreign transaction and balance transfer fees
- Issue employee cards for free
- Extend purchases made with your card by an additional year
Take note of the following considerations:
- It requires you to pay your balances off every month.
- It does not offer a 0% introductory period on purchases and balance transfers.
Capital On Tap Business Credit Card: Best for Instant Virtual Cards & Credit Limits Up to $50,000 With Fixed-rate Cash Back
Capital On Tap Business Credit Card Visa
BEST FOR:
Those who want fixed-rate cash back rewards
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Who Should Consider the Capital On Tap Business Credit Card
Those needing a maximum credit limit of up to $50,000 and wanting to earn fixed-rate cash back rewards should consider this instant approval credit card. You can get a decision in as fast as 2 minutes. Its high credit limit and fixed-rate cash back rewards are why it is one of our leading high-limit business cards.
Rewards:
- Unlimited 1.5% cash back on all purchases
Other benefits:
- Get $200 back after spending $15,000 within the first three months from the date of account opening
- Redeem earned cash back to reduce your balance, convert to cash, or buy gift cards
- Connect with a service representative 24/7 to seek assistance or concerns you may have
Take note of the following considerations:
- It does not allow balance transfers.
- Sole proprietors and nonprofits are ineligible to apply for the card.
- It requires a high spending limit within a short period to qualify for the welcome offer.
Capital One Spark Cash Plus: Best Charge Card With Generous Introductory and Ongoing Rewards
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BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
- Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
- Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
Pros
- Does not have preset spending limits
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Who Should Consider the Capital One Spark Cash Plus
If you have excellent credit and prefer to pay your balances in full each month, then you are likely to be instantly approved for this card. There is a high spending requirement to secure the welcome offer, but the card has a high credit limit and lets you earn up to 5% cash back on selected spending categories. These are why it’s one of our best high-limit business cards.
Rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on all purchases
Other benefits:
- Secure a one-time cash bonus of $1,200 after spending $30,000 within the first three months from the date of account opening
- Be refunded on the $150 annual fee after spending $150,000
- Choose your preferred monthly due date
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee.
- It requires excellent credit to qualify.
Valley Visa® Secured Business Credit Card: Best Secured Business Credit Card With a Straightforward Pre-qualification Process
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Who Should Consider the Valley Visa® Secured Business Credit Card
Those with poor and limited credit history may have a high chance of being instantly approved for this card. Aside from helping you build your credit history, you can also earn fixed-rate cash back rewards and enjoy a 0% introductory period on purchases. These are why it tops our list of the best secured business cards.
Rewards:
- Unlimited 1% cash back on all purchases
Other benefits:
- Get alerted via text and email when a suspected fraudulent transaction is detected
- Issue up to 25 employee cards under one account at no additional cost
- Receive electronic monthly statements, which can help make it easier to organize all of your transactions
Take note of the following considerations:
- Its 0% introductory period is the shortest among the listed cards.
- It does not have a welcome offer.
- Valley Bank is located only in the following states: Alabama, Florida, New Jersey, and New York.
How We Selected Business Credit Cards With Instant Approval
When choosing the best instant approval business credit cards, we take into account the application process, whether online application or prequalification is available, and the requirements, fees, rewards, and features. We also included charge cards and a fuel credit card on the list, as these options may still be helpful for your business, depending on your needs and expenses.
Frequently Asked Questions (FAQs)
Generally, no issuer will approve your credit card application instantly without performing a standard verification process. Some applicants may be approved as fast as a few seconds to a few minutes while others may take a few days to a few weeks to receive feedback.
The length of the application and approval process for business credit cards varies from one card issuer to another. While most card issuers won’t deliberately declare that they offer instant approval, some of them include the fastest possible approval timeframe on their websites.
You need to meet the card issuer’s qualification requirements and apply online to get approved for a business credit card faster. Make sure you know your credit score and the issuer’s credit requirements to determine whether you qualify for your chosen card. Also, prepare the necessary documents and financial information, including:
- Business name, address, and business type
- Your role/position in the business
- Tax identification number (TIN), Social Security number, or employer identification number (EIN)
- Years in operation
- Number of employees
- Annual business revenue
- Estimated monthly expenses
Generally, instant approval refers to a fast application and approval process. When you apply for a credit card online, instant approval means you will typically receive a decision within a few minutes. Some card issuers will provide you with a virtual card number that you can use immediately while you wait for the arrival of the physical card.
A pre-approved credit card application is sent to you when your credit score and profile meet specific criteria set by the card issuer. An issuer may purchase a list of eligible individuals from a credit bureau so that it can send pre-approved offers to those who meet the credit requirements. However, being pre-approved does not guarantee approval—it means that the card issuer sees you as fitting the qualification profile that they predefined.
Being pre-qualified means that you can check with the issuer by providing basic financial information to determine what kind of offer you can receive based on the information provided. You can either call or answer a survey online to determine whether you are pre-qualified for the card. A general idea of how likely you are to be appr
Bottom Line
The best instant approval business credit cards offer an easy application process and fast decisions, usually in a few minutes. This is as close to instant approval as you will find when shopping for any form of business financing. Before applying for an instant approval business credit card, be sure that your credit score—poor, fair, good, or excellent—aligns with the card’s requirements. Also, consider other factors like rewards, fees, APRs, payment frequency, and features to decide which is the best fit for your company.
