Business credit cards will give you extra capital, rewards, and other perks. However, some of these cards have strict requirements and annual fees. You may need a good business credit score and multiple years of business experience to get certain cards.
While some cards are hard to get, others are straightforward. It’s possible to get a business credit card with a good FICO score alone. Credit card issuers have cards that cater to startups and people who want to test out their businesses before investing significant capital. This guide will unveil some of the easiest business credit cards to get.
Easiest business cards to get
- Ramp Corporate Card
- Brex Corporate Card
- First National Bank of Omaha Business Edition Secured Mastercard Credit Card
- Capital One Spark Cash Plus
- Bank of America Business Advantage Unlimited Cash Rewards Secured Card
- Chase Ink Business Unlimited Credit Card
- American Express Blue Business Cash Card
- Capital on Tap Business Credit Card
- American Express Blue Business Plus
- Capital One Spark Classic for Business
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What are the easiest business credit cards to get?
Secured cards, like the First National Bank of Omaha Business Edition Secured Mastercard, are the easiest business credit cards you can get. This is because these cards don’t require a strong credit score or personal guarantee–instead, you put down a security deposit that becomes your credit limit.
Corporate charge cards are another type of business credit card that can be easy to get, provided that you have steady business revenue. These cards don’t require a personal credit check or personal guarantee. Unlike traditional business credit cards, they come with built-in expense management software. They also have no interest charges because they require full balance payments each month.
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Can I use my EIN to get a credit card?
Yes, you can use an Employer Identification Number (EIN) to apply for a business credit card, but your options will be limited to corporate cards. These cards approve based on business revenue and don’t require your Social Security Number (SSN) or a personal guarantee.
Can you get a business credit card immediately?
It’s possible to get a business credit card immediately. Many issuers let you know within minutes if you are approved for a card or not. You will have to go through the application process before receiving a decision. It can take several minutes to apply for a card.
Once you get approved, the card issuer will mail a copy of your physical card. However, most issuers also provide a virtual credit card so you can start using it right away. It’s easier than ever to get a business credit card, and many issuers offer choices for startup founders and individuals with bad credit or no credit history.
Is it hard to get a business credit card with an LLC?
As an LLC, you can get a business credit card using either your EIN or SSN, depending on what kind of card you choose. If you go with a traditional business credit card, you’ll need a strong personal credit score and will have to put up a personal guarantee. If you choose a corporate card, you can apply without providing your SSN for a credit check, but you’ll need to have enough business revenue to qualify.
What credit score do you need for a business credit card?
Most business credit cards require a good to excellent personal credit score—typically 690 or above. A good credit score is especially important for startups and small businesses that don’t have a strong credit history. Learn how you can build business credit with bad personal credit in our comprehensive article on the subject.
Get a corporate card without making a personal guarantee
While many companies offer credit cards, most of them require personal guarantees. These guarantees make you personally responsible if your business cannot cover the debt. Luckily, you can get a Ramp corporate card for your company without a personal guarantee.
You don’t need the best credit score to get a Ramp card, and you won’t even go through a credit check. Your score will stay intact throughout the application process, and you’ll also receive cashback on purchases. Ramp makes it easy to issue corporate cards for each of your employees and stay on top of their spending.
Ready to see how Ramp can help your business? Schedule a free demo to learn what perks you can enjoy as a Ramp cardholder.
