There are several easy approval business credit cards. That's because the easiest business credit cards to get only require fair or bad credit. They include Capital One Spark Classic for Business, the Staples Business Credit Card, and the Wells Fargo Business Secured Credit Card.
Best Business Credit Cards
Best Business Credit Cards for New Businesses
| Credit Card | Best For | Credit Score |
|---|---|---|
| Capital One® Spark® Cash for Business | Cash Back | Good |
| Ink Business Preferred® Credit Card | Travel Rewards | Good |
| Capital One® Spark® Classic for Business | Building Credit | Limited History |
| BBVA Compass Secured Visa® Business Credit Card | Rebuilding Credit | Bad |
How to get a business credit card in 6 steps
Generally, the best small-business credit cards require a score of 670 or higher. While you might be able to qualify for a card with a lower score, you'll likely pay a higher interest rate or earn fewer rewards. When it comes to getting a small-business loan, banks have higher approval requirements.
The short answer is yes: you can apply for certain business credit cards using just your EIN. EIN-only cards are great for building your business credit, and they're a huge help when it comes to keeping your personal and business expenses separate. ... In other words, most small businesses don't qualify.
Nope. Just like with consumer credit scores, competing agencies create and sell different business credit scores. FICO®, Dun & Bradstreet®, Experian® and Equifax® all generate their own business credit scores. Some lenders and vendors may also turn to specialty business credit reports when evaluating your business.
Nav is a service for both consumers and business owners to monitor their credit. You don't need a credit card to sign up, and it's a great place to get a free summary of your business credit reports from both Dun & Bradstreet and Experian.
Here's how you go about getting your first business credit card.
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