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The best business credit cards for new businesses with no credit history offer easy approval, flexible spending options, straightforward points or rewards, generous welcome offers, and low fees. While a business credit history isn’t required, most issuers will assess your personal credit score to determine eligibility. Make sure to choose a card that helps build your business credit so you can access better financing options as your business grows.
Here are the seven best credit cards for new businesses with no credit history:
- The American Express Blue Business Cash™ Card: Best overall credit card for new businesses with no credit history with instant approval and expanded buying power
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 12-month 0% APR and up to 5% cash back
- The Blue Business® Plus Credit Card from American Express: Best for earning points regardless of category
- card_name: Best for high credit limit, generous welcome offer, and travel
- Capital One Spark 1% Classic: Best for fair credit with $0 annual fee
- First National Bank of Omaha Business Edition® Secured Mastercard® Card: Best secured card with up to $100,000 credit limit
- Ramp Credit Card: Best for exclusive discounts with over $350,000 in partner rewards
- Overview of the Best Business Credit Cards With No Credit
- The American Express Blue Business Cash™ Card: Best Overall for New Businesses With No Credit History With Instant Approval and Expanded Buying Power
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 12-month 0% APR & up to 5% Cash Back
- The Blue Business® Plus Credit Card From American Express: Best for Earning Points Regardless of Category
- card_name: Best for High Credit Limit, Generous Welcome Offer & Travel
- Capital One Spark 1% Classic: Best for Fair Credit With $0 Annual Fee
- First National Bank of Omaha Business Edition® Secured Mastercard® Card: Best Secured Card With Credit Limit of up to $100,000
- Ramp Credit Card: Best for Exclusive Discounts With Over $350,000 in Partner Rewards
- How We Selected the Best Credit Cards for New Businesses With No Credit History
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Business Credit Cards With No Credit
| Best For | Annual Fee | Ongoing Rewards | Personal Credit Score | ||
|---|---|---|---|---|---|
 The American Express Blue Business Cash™ Card | (Best overall) For new businesses with no credit history with instant approval and expanded buying power | $0 | Up to 2% cash back | Good to Excellent | Apply nowRates & Fees |
 U.S. Bank Triple Cash Rewards Visa® Business Card | 12-month 0% APR and up to 5% cash back | $0 | Up to 5% cash back | Good to Excellent | APPLY NOW |
| The Blue Business® Plus Credit Card from American Express | Earning points regardless of category | $0 | Up to 2x points | Good to Excellent | Apply nowRates & Fees |
 card_name | High credit limit, generous welcome offer, and travel | annual_fees | Up to 5x points | Good to Excellent | Learn More |
 Capital One Spark 1% Classic | Fair credit with $0 annual fee | $0 | Up to 5% cash back | Fair | Apply Now |
 First National Bank of Omaha Business Edition® Secured Mastercard | Secured card with up to $100,000 credit limit | $39 | None | Very Poor to Good | Apply Now |
 Ramp Credit Card | Exclusive discounts with over $350,000 in partner rewards | $0 | Up to 1.5% cash back | Poor to Excellent | Apply now |
To see how these credit cards stack up against one another or others we reviewed on our site, click
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The American Express Blue Business Cash™ Card: Best Overall for New Businesses With No Credit History With Instant Approval and Expanded Buying Power
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Why We Like It
It’s our top pick for the best overall credit card for new businesses with no credit history because it offers instant approval for those who meet the personal credit score requirement. Once approved, you can get immediate access to your card number and use it right away. You have the option to spend above your credit limit with Expanded Buying Power, giving your business extra spending flexibility. With a $0 annual fee and automatic cash back applied as a statement credit, this card makes managing rewards effortless, so you can focus on growing your business.
Ongoing Rewards
- $250 statement credit after spending $3,000 in purchases in the first 3 months
- 2% cash back on the first $50,000 worth of purchases in a calendar year, then 1% thereafter
- 1% cash back on all other purchases automatically credited to your statement credit
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All purchases | 2% | $50,000 | $1,000 |
| All purchases after cap is met | 1% | $25,000 | $ 250 |
| Welcome offerProvided $3000 is spent within the first three months | $ 250 | ||
| Total Annual Reward Value | $1,500 | ||
Other Benefits
- 0% APR on purchases for the first 12 months
- Can add up to 99 employee cards to your account for no additional fee
- Use your card to pay bills with Vendor Pay by BILL
- Get access to a complete summary of your spending, which is categorized by month and purchase type, at the end of each year
- Offers extended warranty and purchase protection
Who Should Consider It
- Business owners needing credit limit flexibility
- Entrepreneurs with moderate spending
- Businesses requiring immediate access to credit
These benefits are why the card tops our list of the
leading instant approval business cards
.
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 12-month 0% APR & up to 5% Cash Back
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
Why We Like It
This card helps businesses save and earn simultaneously. The 12-month 0% APR on purchases gives you the flexibility to manage large expenses without immediate interest while earning up to 5% cash back adds tangible value to your business. With a $0 annual fee, it’s a smart choice for maximizing rewards and managing costs effectively.
Ongoing Rewards
- $750 cash back welcome bonus by spending $6,000 on the Account Owner’s card within the first 180 days
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| Prepaid hotels and car rentals | 5% | $25,000 | $1,250 |
| Gas and EV charging stations | 3% | $10,000 | $ 300 |
| All other eligible purchases | 1% | $10,000 | $ 100 |
| Welcome offerProvided $6000 is spent within the first 180 days | $ 750 | ||
| Total Annual Reward Value | $2,400 | ||
Other Benefits
- $100 annual statement credit for recurring software subscriptions.
- $0 fee offer on ExtendPay Plans opened within the first 60 days as a new cardmember.
Who Should Consider It
- Small business owners planning large purchases
- Businesses with frequent travel needs
- Companies with recurring software expenses
Its generous rewards program and extended 0% APR period help you save on business expenses. This is why the card leads our roundup of the
top business cards with a $0 annual fee
.
The Blue Business® Plus Credit Card From American Express: Best for Earning Points Regardless of Category
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Why We Like It
This card simplifies rewards by allowing you to earn points on every purchase without the need to track spending categories. This flexibility ensures your business maximizes value across all expenses, whether for everyday operations or larger investments. With versatile redemption options, the card helps you turn routine spending into meaningful rewards that can support your business growth and goals.
Ongoing Rewards
- 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first 3 months
- 2x points on the first $50,000 in purchases each year
- 1x point on all purchases after the cap is met
Here’s an example of the potential rewards value (1 point = $0.005) if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Earned Points | Annual Reward Value |
|---|---|---|---|---|
| All purchases | 2x | $50,000 | 100,000 | $ 500 |
| All purchases after cap is met | 1x | $25,000 | 25,000 | $ 125 |
| Welcome offerProvided $3000 is spent within the first three months | 15,000 | $ 75 | ||
| Total Annual Reward Value | $700 | |||
Other Benefits
- 0% intro APR on purchases for the first 12 months from account opening
- Gain flexibility to exceed your credit limit when needed with Expanded Buying Power
- It comes with account management tools, including the American Express® Business App, and connects to QuickBooks
- Use your card to pay bills with Vendor Pay by BILL
- It comes with insurance protection, such as car rental loss and damage, purchase, and extended warranty
Who Should Consider It
- Business owners with diverse spending habits and looking for flexible rewards
- New businesses managing cash flow and needing spending flexibility
- Startups aiming for a valuable welcome bonus
This card is one of our
best American Express business credit cards
for offering fixed-rate points-based rewards with Expanded Buying Power.
card_name: Best for High Credit Limit, Generous Welcome Offer & Travel
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
Why We Like It
This card offers exceptional value for businesses looking to maximize their spending power and rewards. The high credit limit allows for greater financial flexibility, making it ideal for managing significant business expenses. Its generous welcome offer provides an impressive boost to your rewards balance, while the travel benefits ensure you get more value from business trips. This combination of features makes it a top choice for businesses that prioritize spending capacity and valuable rewards.
Ongoing Rewards
- bonus_miles_full
- 3x points per dollar spent on the first $150,000 spent in combined purchases in four categories for each account anniversary year; categories include travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services
- Unlimited 1 point per dollar spent on all other purchases; points don’t expire for as long as your account is active
- 5X points on qualifying Lyft products and services purchased through the Lyft mobile application through March 31, 2025.
Here’s an example of the potential rewards value (1 point = $0.0125) if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Earned Points | Annual Reward Value |
|---|---|---|---|---|
| Travel, shipping purchases, advertising on search engines and social media sites, and expenses on internet, cable, and phone services | 3x | $150,000 | 450,000 | $5,625 |
| All other purchases after cap is met | 1x | $25,000 | 25,000 | $312.50 |
| Lyft products and services | 5x | $ 5,000 | 25,000 | $312.50 |
| Welcome OfferProvided $8000 is spent within the first 3 months | 90,000 | $1,125 | ||
| Total Annual Reward Value | $7,375 | |||
Other Benefits
- $0 foreign transaction fee
- Use Chase Pay Over Time to split purchases of $100 or more into equal monthly payments with no interest—just a fixed monthly fee. Choose repayment terms ranging from three to 24 months to better manage your business cash flow
- Request employee cards and set individual spending limits at no additional cost
- Comes with travel and purchase protection, such as trip cancellation/interruption, cellphone, and extended warranty
Who Should Consider It
- High-spending businesses, ideal for those who want to maximize rewards
- Entrepreneurs seeking a generous welcome bonus
- Frequent international travelers
- Businesses needing flexible payment options with Chase Pay Over Time
The card is one of our
top high-limit business credit cards
due to its generous welcome offer and lucrative ongoing rewards.
Capital One Spark 1% Classic: Best for Fair Credit With $0 Annual Fee
| Intro APR | N/A |
|---|---|
| Regular APR | 29.99% variable |
| Annual Fee | $0 |
| Credit Needed | Fair |
Why We Like It
This card provides a practical solution for business owners with fair credit who want to build their credit profile without incurring extra costs. The $0 annual fee makes it a budget-friendly choice, while the straightforward rewards structure ensures every purchase contributes to your financial growth. This card is an excellent stepping stone for businesses working toward stronger credit and long-term financial success.
Ongoing Rewards
- 5% cash back on hotels and car rentals booked through Capital One Travel
- 1% cash back on every purchase for your business, with no minimum to redeem
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| Hotels and car rentals | 5% | $50,000 | $2,500 |
| All other purchases | 1% | $25,000 | $250 |
| Total Annual Reward Value | $2,750 | ||
Other Benefits
- Help build or improve your credit as Capital One reports your activity to major credit bureaus.
- Redeem your cash back as a statement credit, receive a check by mail, or set up automatic redemptions based on your preferences.
- Avoid foreign transaction and balance transfer fees, saving you money on international purchases and transfers.
- Benefit from $0 fraud liability if your card is lost or stolen.
- Create multiple free employee cards, track employee spending, and customize spending limits while earning rewards from their purchases.
Who Should Consider It
- Business owners with fair credit looking to build or improve their credit profile
- Entrepreneurs seeking rewards without paying an annual fee
- Frequent travelers who can maximize 5% cash back on hotels and rental cars booked through Capital One Travel
- Small businesses with varied expenses that benefit from unlimited 1% cash back on all purchases
- Owners who value flexible cash back redemption options, like statement credits, checks, or automatic redemptions
It leads our list of the
best fair credit business cards
because of its generous rewards and few fees. However, it’s best to pay your balance in full each month, as this card comes with a high ongoing APR.
First National Bank of Omaha Business Edition® Secured Mastercard® Card: Best Secured Card With Credit Limit of up to $100,000
| Intro APR | None |
|---|---|
| Regular APR | 25.99% variable |
| Annual Fee | $39 |
| Credit Needed | Very Poor to Good |
Why We Like It
This card empowers businesses with high credit limits and credit-building opportunities. You can set a credit limit between $2,000 and $100,000 based on a security deposit equal to 110% of your desired limit. For example, a $100,000 limit requires a $110,000 deposit. You don’t need a business credit score to qualify, and even with a low personal credit score, you can get approved if you meet the deposit requirement. This card gives businesses the flexibility and purchasing power they need while helping to establish or strengthen their credit profile.
Ongoing Rewards
This card does not offer ongoing and introductory rewards on purchases. However, you can earn automatic rebates at over 40,000 merchants under the Mastercard Easy Savings® program.
Other Benefits
- Easily capture and organize business receipts using your smartphone’s camera, simplifying record-keeping.
- Earn interest on your security deposit, with rates specified in the Deposit Agreement.
- Pay an affordable annual fee of just $39.
- Get coverage for automobile rentals when you use your card to pay for the rental.
Who Should Consider It
- Business owners who need a high secured credit limit, up to $100,000, for substantial purchasing power.
- Entrepreneurs with low or no credit scores looking to build or improve their credit profile.
- Companies seeking to earn interest on their security deposit while maintaining a secured card.
It is a great option for those with bad credit history. It is one of our
best business cards for bad credit
and
leading business secured cards
. Note that aside from the automatic rebates on selected purchases from Mastercard, FNBO does not offer ongoing rewards on your purchases.
Ramp Credit Card: Best for Exclusive Discounts With Over $350,000 in Partner Rewards
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
Why We Like It
This card goes beyond traditional rewards by offering over $350,000 in exclusive discounts from its extensive network of partners. These savings can significantly reduce costs on essential services like software, travel, and business tools, allowing businesses to reinvest in growth. With $0 annual and foreign transaction fees and robust spending management features, Ramp ensures that every dollar works harder for your business.
Ongoing Rewards
- Up to 1.5% cash back on purchases, regardless of spending categories
- More than $350,000 in partner rewards—including discounts from Gusto, QuickBooks, Zendesk, 1Password, Accelerate Tax, UPS, Amazon Web Services (AWS), Funding Circle, Clear Haven, Vesto, Capchase, LiveOak Bank, and Rippling, among others. For a full list of partner benefits, visit the Ramp perks page.
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All Purchases | 1.5% | $25,000 | $375 |
| Software (e.g., Slack, Amazon Web Services) | $500/month with a 10% partner discount | $6,000 | $600 |
| Travel (flights/hotels booked through a partner) | $3,000/month with a 5% partner discount | $36,000 | $1,800 |
| Total Annual Reward Value | $2,775 | ||
Other Benefits
- Issue unlimited corporate cards, both virtual and physical, to meet your team’s needs without restrictions.
- Simplify and speed up bill payments with multilevel approvals and AI-powered invoice transcription.
- Track all expenses on a single user-friendly dashboard that provides real-time visibility and automated savings insights.
- Automate most of your accounting tasks with direct integrations to QuickBooks, NetSuite, Xero, and Sage.
Who Should Consider It
- Businesses looking to maximize savings through over $350,000 in exclusive partner rewards
- Companies needing unlimited corporate cards for team-wide use, both virtual and physical
- Teams that want to automate accounting with seamless integration to tools like QuickBooks, NetSuite, Xero, and Sage
As one of our
top-recommended business cards for nonprofits
, the card will also be a great choice if you are a nonprofit.
How We Selected the Best Credit Cards for New Businesses With No Credit History
We prioritized cards that offer opportunities for building credit scores and have $0 or low annual fees. We also looked at ongoing interest rates, introductory APRs, bonuses, ongoing rewards, and ease of application.
Frequently Asked Questions (FAQs)
Secured business credit cards are generally the easiest to obtain, as they require a refundable security deposit that serves as your credit limit, reducing the issuer’s risk. This structure makes them accessible to applicants with limited or poor credit histories.
Yes, many business credit cards, like secured cards or those designed for fair credit, focus on your personal credit score rather than your business’s credit history, making it possible to qualify even if you’re just starting out.
Most business credit cards require a personal guarantee, meaning the card issuer will assess your personal credit score and hold you personally liable for the card’s debt if the business cannot pay.
Bottom Line
Finding the best business credit card for new businesses with no credit history can be a game-changer for managing expenses and building your financial foundation. Look for cards that offer easy approval, flexible spending limits, simple rewards programs, attractive welcome bonuses, minimal fees, and tools to help you establish credit. Choose a card that reports your payment history to business credit bureaus, allowing you to build your business credit over time and access better financing options with responsible use.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
American Express Blue Business® Plus
