Editor’s note: This is a recurring post with regularly verified card details.
The easiest business credit cards to get come with lower credit score requirements than most cards—regularly accepting applicants with scores below 670. These cards let you cover business expenses without using cash. However, two options on our list are secured credit cards that require a cash deposit as collateral. Either way, you can use these cards to build up your credit scores until you qualify for a better card.
The best easy approval business credit cards are:
- Capital One® Spark® Classic for Business: Best overall for earning rewards while building both business and personal credit
- Wells Fargo Business Secured Card: Best for building business credit
- Discover it® Secured: Best for earning an introductory offer on a secured credit card
- Bento for Business Prepaid Card: Best for managing employee cards with no credit check
For details on how we evaluated business credit cards for this list, see our methodology.
Capital One® Spark® Classic for Business: Overall Best Easy Approval Business Credit Card
Capital One® Spark® Classic for Business
Best For: Fair credit business owners (580 to 669)
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 26.99% (Variable) | $0 | Average, Fair, Limited |
Why we like it: Our list kicks off with Capital One® Spark® Classic for Business because it’s designed specifically for owners with credit scores between 580 and 669. It offers a great way to improve business credit. Plus, unlike other business credit cards on our list, it earns rewards and doesn’t require a cash deposit to qualify.
You can use this card to cover business expenses and earn 1% cash back on your purchases. Although the rewards aren’t great, this credit card for fair credit owners lets you manage employee expenses and track business spending. If you need to get a business credit card while you have less-than-perfect credit, you can’t go wrong with this card.
Fair credit business owners won’t miss out on card perks that come with most traditional cards when they choose this card, including purchase security and extended warranty. It offers up to $10,000 in purchase security for items that are damaged or stolen within 90 days of purchase. Plus, you’ll get one full year of warranty coverage with any manufacturer’s warranty.
💡 Tip: If you know your personal credit score is below 580, start with a secured credit card first. Secured cards still allow you to build credit but have less restrictive credit score requirements. This will help you avoid an unnecessary credit inquiry that could lower your credit score.
Wells Fargo Business Secured Card: Best for Building Business Credit
Wells Fargo Business Secured Credit Card
Best For: Business owners with poor credit
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | Prime + 11.90% on purchases | $25 per card | N/A |
Why we like it: When you can’t qualify for an unsecured card, a secured business credit card is your next best option, which has a credit limit equal to a cash deposit held in a collateral account. If you have credit scores below 580, this Wells Fargo card offers a great way to build business credit to help you qualify for a better card later. Depending on your cash deposit, your credit limit will range from $500 to $25,000.
Plus, this card gives you the power to choose how you earn ongoing rewards—cash back or points. Although the rewards rate is fairly low, you’ll earn flat-rate rewards on purchases you make. That means you won’t have to track spending categories to earn the best rewards rate.
💡 Tip: Wells Fargo periodically reviews card activity, so managing your business card wisely can pay off. With responsible card use and timely payments, Wells Fargo may upgrade your account to an unsecured Wells Fargo business credit card. After which, Wells Fargo will no longer need collateral and will return your cash deposit.
Discover it® Secured: Best for a Lucrative Introductory Offer
Discover it® Secured
Best For: Business owners who need help rebuilding personal credit
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 24.49% Variable | $0 | N/A |
Why we like it: Discover it® Secured is my favorite pick for sole proprietors and contractors with less-than-stellar credit. This personal credit card allows you to build credit and earn rewards. As a bonus, you’ll earn double cash back on your first year’s purchases. Its credit limit is equal to your cash deposit, but you can apply with as little $200 and much as $2,500.
You can use this card to earn 2% cash back on everyday expenses. Plus, with the introductory offer, you’ll earn 4% cash back during your first year. For example, if you spend $10,000 over your first year, you’ll earn $400 in rewards. While this isn’t a traditional introductory reward, it can be very lucrative, depending on your annual spending.
Because this card offers free FICO credit scores, you can get updates as you build your personal credit. However, you won’t be able to build business credit because it only reports to the consumer credit bureaus. This card serves as the perfect in-between card for those who aren’t quite ready for a business credit card.
Bento for Business Prepaid Card: Best for Managing Employee Cards With No Credit Check
Bento For Business Visa® Debit Card
Best For: Managing employee expenses without a credit check to qualify
| Number Of Cards | Monthly Cost | Daily Load Limit | Daily Spend Limit |
|---|---|---|---|
| Unlimited | $0 for the first 2 cards. $29-149 monthly for more | None | $25,000 |
Why we like it: If you’re looking to avoid a credit check altogether, the Bento for Business Prepaid Card should be your go-to. This prepaid business card acts as a business debit card, allowing you to use only the funds you load onto the card yourself. This means you must have cash on hand to fund and use this card, unlike traditional business credit cards.
Bento for Business offers a safe way to monitor employee expenses without exposing your business and personal credit reports to a credit inquiry, which can hurt your credit score up to five points. Even though it’s not a credit card, you’ll still be able to control employee expenses and set card limitations. However, you won’t be able to build your business or personal credit.
How We Evaluated Easy Approval Business Credit Cards
I ranked the easiest business credit cards to get by reviewing both the required credit scores and additional card features. I also considered each card’s costs, including annual fees, ongoing annual percentage rates (APRs), and required security deposits. Rewards were seen as an added benefit, but not heavily weighted. This list includes business credit cards, secured credit cards, and business prepaid debit cards as viable options.
Bottom Line
Easy approval credit cards are a great tool to help you build your credit and manage your business expenses. These cards are designed for credit scores below 670 and are instant approval business credit cards—giving an immediate decision. However, the best way to qualify for any card is to review your credit score before you apply. If your scores aren’t high enough, it’s best to skip the application and go for a card within your credit score range instead.
