6 easiest business credit cards to get in September 2026

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Business credit cards can streamline expenses, earn rewards and finance larger purchases. But if you don't have a business credit report, issuers may rely on your personal credit score, which can make it hard to secure favorable terms.

CNBC Select reviewed dozens of popular business cards to find the easiest to get approved for in a variety of situations. For more on how we made our picks, view our methodology.

Who's this for? The Bank of America Business Advantage Unlimited Cash Rewards Secured credit card is geared toward business owners with poor or bad credit. As a secured credit card, you'll need to put down a deposit of at least $1,000, which serves as your credit limit.

Standout benefits: Secured credit cards aren't very rewarding, but Business Advantage cardholders can earn an unlimited 1.5% cash back on all purchases. If you have a Bank of America Business Advantage 360 account, you can access your Dun & Bradstreet business credit score for free.

Who's this for? If you're working on building (or rebuilding) your credit and want a 0% intro-APR, the Valley Visa® Secured Business Credit Card covers both of those needs.

Standout benefits: You'll get a 0% intro APR for six months from account opening on purchases and balance transfers. When the intro APR expires, a variable 14.45% to 25.75% APR applies. There is a 4% balance transfer fee with a $5 minimum.

Pro tip: Pair it with a Bank of America business account

If you want to keep your business financial activity under one roof, open a Bank of America Business Advantage Fundamentals™ Banking account. Eligible customers who meet requirements can earn a tiered bonus: earn $400 bonus when you deposit $5,000+ in New Money within 30 days of account opening, and maintain that balance for the next 60 days or earn $750 bonus when you deposit $15,000+ in New Money within 30 days of account opening, and maintain that balance for the next 60 days. Offer expires 12/31/2026. Plus, deposits into Bank of America business accounts help you qualify for the Preferred Rewards for Business program, which can boost your credit card rewards and unlock lower fees and financing costs.

Who's this for? It's difficult to find an unsecured credit card that accepts applicants with less-than-ideal credit, but the *Capital One Spark 1% Classic is the rare exception.

Standout benefits: There are no annual or foreign transaction fees. and customers earn cash back while they're building their credit.

Who's this for? Rather than your personal credit score, Brex evaluates your company's cash balances, revenue, and other business metrics. Unlike most cards, however, cardholders must pay off their balance in full either daily or monthly.

Standout benefits: Useful business features include expense management tools and discounts with various vendors.

Who's this for? While the Discover it® Secured Credit Card is a personal credit card, it can still be useful for those who are preparing to apply for a business credit card in the future. Improving your personal credit now can help make it easier to get approved for business credit cards with more attractive offers down the line.

Standout benefits: Cardholders enjoy a unique welcome bonus: all the cash back you've earned at the end of your first year is matched.

Who's this for? The Ramp Business Card can help if your business is incorporated and you want to streamline your day-to-day processes. Plus, you'll earn cash back.

Standout benefits: Earn up to 1.5% cash back on every purchase and access deals and discounts through Ramp's partners, including QuickBooks, UPS and Amazon Web Services.

To qualify for a business credit card, you must operate a business. This can be a full-time venture or a side gig, however — even freelancers and independent contractors can qualify.

Completing a business card application is similar to applying for a consumer credit card, in that you'll need to provide your name, address, Social Security number, and personal income.

You'll also have to share business details, including:

• Business name
• Address and contact information
• Industry
• Business tax ID
• Annual revenue
• Number of employees
• Years in business
• Estimated monthly credit card expenses

Some of the business details on your application can match your personal information. For example, you can use your personal address and phone number as your business address. If you're a freelancer or don't have a registered business name, you can use your name as your business name.

Sole proprietors may be able to use an SSN as their business tax ID, but if you have an Employer Identification Number, you'll want to use that.

Most business credit cards designed for small businesses require a personal guarantee, which means your personal credit score factors into your approval. As with consumer travel and rewards credit cards, the most valuable options usually require a good to excellent credit score.

However, secured business credit cards are available if you have no credit history or a low credit score. This type of credit card requires an upfront refundable security deposit which determines your credit limit.

Corporate credit cards are typically available without a personal guarantee or a personal credit check. They are easier to get in that regard, but you'll need a larger business to qualify. Corporate cards may have a minimum revenue requirement or require a certain number of employees. Many small businesses won't meet those standards.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the easiest business credit cards.

To determine which business credit cards are the easiest to get approved for, CNBC Select analyzed the most popular credit cards available to U.S. business owners with poor or average credit.

We compared each card on a range of features, including minimum and maximum security deposit, rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back). 

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

The main criteria in our ranking were the rewards rates and availability for a small business owner without good credit. The fewer costs a card required, and the more rewards it offered to offset them, the higher it ranked on our list.

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For rates and fees of the Discover it® Secured Credit Card, click here.

*Information about the Capital One Spark 1% Classic Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.