Simple Solutions: Easy to Obtain Business Credit Cards

In today’s world, many small businesses and entrepreneurs are looking to get easy access to credit cards with lower interest rates. This is because business credit cards provide them with a convenient and hassle-free way to manage their finances, pay for purchases and expenses, and build a good credit score. However, it can be difficult to get approved for business credit cards, especially if you have a low credit score or are just starting out. The good news is, there are several easy-to-get business credit cards that cater to businesses of all sizes, from solo entrepreneurs to small enterprises. If you’re looking to get access to credit cards with low fees, good rewards, and flexible payment terms, read on to learn more about the best options available.

Top 10 Easy to Get Business Credit Cards

When it comes to credit cards for your business, sometimes it can be difficult to decipher which card is best for you. You want to ensure that you’re getting the most out of your card while maximizing rewards and benefits. Additionally, it’s important to find a card that’s easily accessible and won’t require an extensive application process. Here are our top 10 picks for easy to get business credit cards.

1. Capital One Spark Classic for Business

The Capital One Spark Classic for Business is an excellent option for those with fair or average credit. With no annual fee, your business can earn unlimited 1% cashback on all purchases. Plus, there are no foreign transaction fees, making this an ideal card for those who frequently travel for business.

2. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is a great option for small business owners who want earning rewards to be effortless. This card has no annual fee and earns 2% cashback on all purchases, up to $50,000 annually. After that, you’ll earn 1% cashback on all remaining purchases.

3. Chase Ink Business Unlimited Credit Card

The Chase Ink Business Unlimited Credit Card is a great option for those looking for simplicity and ease. With no annual fee and unlimited 1.5% cashback on all purchases, this is a great card for new business owners or those with limited credit history.

4. Discover it Business Card

The Discover it Business Card boasts up to 1.5% cashback on all purchases, with no annual fee. Plus, Discover matches all cashback earned in the first year for new cardholders.

5. Bank of America Business Advantage Travel Rewards World Mastercard credit card

For businesses that frequently travel, the Bank of America Business Advantage Travel Rewards World Mastercard credit card is a solid choice. There’s no annual fee and you can earn 3 points per dollar on travel purchases. Plus, if you’re a Bank of America Preferred Rewards member, you can earn up to a 75% bonus on points earned.

6. Wells Fargo Business Secured Credit Card

If you’re establishing credit for your business, the Wells Fargo Business Secured Credit Card is a solid choice. You can earn one point for every dollar spent and there’s no annual fee. Plus, if you make timely payments for the first 12 months, you may be eligible to upgrade to an unsecured card.

7. U.S. Bank Business Edge Platinum

The U.S. Bank Business Edge Platinum card is an ideal option for those with excellent credit history. With no annual fee and 0% APR for the first year on balance transfers and purchases, this is a great card for businesses looking to consolidate debt or make a large purchase.

8. Sam’s Club Business Mastercard

The Sam’s Club Business Mastercard offers a flexible rewards program, with 5% cashback on gas purchases up to $6,000 annually. Plus, you can earn 3% cashback on dining and travel and 1% on all other purchases.

9. CitiBusiness / AAdvantage Platinum Select World Mastercard

For frequent flyers, the CitiBusiness / AAdvantage Platinum Select World Mastercard is a top pick. There’s no annual fee for the first year and you can earn 2 AAdvantage miles for every dollar spent on American Airlines purchases. Plus, the card also offers travel benefits like priority boarding and free checked bags.

10. Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card is a great option for businesses who frequently shop on Amazon. With no annual fee, you can earn 5% cashback on all Amazon and Whole Foods purchases. Plus, you’ll also earn 2% back on purchases at gas stations, restaurants, and more.

Overall, there are plenty of easy to get business credit cards available for small business owners. It’s important to assess your business needs and financial standing before choosing the perfect card for you. By selecting a card with the right rewards system and no annual fee, your business can maximize earnings and continue to grow.

Top 10 Easy-to-Get Business Credit Cards

If you’re a small business owner, having a credit card dedicated to your business can be incredibly useful. Business credit cards offer better rewards, purchase protection, and expense tracking than personal credit cards. However, obtaining a business credit card can sometimes be a herculean task, especially for new or small businesses.

Fortunately, there are easy-to-get business credit cards available, even for small or new businesses. Here are ten of the top easy-to-get business credit cards that could be suitable for your business:

1. Capital One Spark Classic for Business

The Capital One Spark Classic for Business is an excellent option for businesses with fair to average credit scores. This card has no annual fee and offers 1% cashback on all purchases. Additionally, the card comes with fraud protection, and a year-end summary of purchases that can be helpful for budgeting and tax preparation.

2. Chase Ink Business Unlimited Credit Card

The Chase Ink Business Unlimited Credit Card offers unlimited 1.5% cashback on all purchases, with no annual fee. The card also provides benefits like fraud protection and employee cards at no extra cost. This card is best suited for businesses with excellent credit scores.

3. American Express Blue Business Cash Card

The Blue Business Cash Card from American Express offers 2% cashback on all eligible purchases up to $50k spent per calendar year (1% after that), with no annual fee. This card also offers various insurance and travel benefits. It is excellent for businesses looking for cash rewards on their purchases.

4. Discover it Business Credit Card

The Discover it Business Credit Card provides cashback rewards in the form of a statement credit on eligible purchases. The card offers 1.5% cashback on all purchases. Additionally, Discover offers excellent customer service for its cardholders. This card is suitable for businesses with average credit scores.

5. Bank of America Business Advantage Cash Rewards Card

The Bank of America Business Advantage Cash Rewards Card provides 3% cashback in the category of your choice: gas stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services. It also offers 2% cashback rewards on dining.

6. Costco Anywhere Visa Business Card

The Costco Anywhere Visa Business Card provides generous rewards on purchases. It offers 4% cashback on eligible gas purchases, 3% cashback on eligible restaurant and travel purchases, 2% cashback on all purchases at Costco and Costco.com, and 1% cashback on all other purchases.

7. Wells Fargo Business Secured Credit Card

The Wells Fargo Business Secured Credit Card is an excellent option for businesses with low credit scores. This secured credit card requires a deposit as collateral to secure the credit line. It offers a credit line of up to $25,000 and the ability to earn rewards.

8. U.S. Bank Business Leverage Visa Signature

The U.S. Bank Business Leverage Visa Signature card offers 2X points per dollar spent on eligible net purchases in the top two categories where you spend the most each statement cycle. It also provides an introductory 0% APR for the first 15 billing cycles, and no annual fees.

9. Brex for Startups

The Brex for Startups card is perfect for startups with no credit history. This card offers up to a $50,000 credit limit with no personal guarantee required. The card provides benefits such as discounts on software, travel and expense management and is ideal for startups.

10. CitiBusiness AAdvantage Platinum Select Mastercard

The CitiBusiness AAdvantage Platinum Select Mastercard is a perfect option for businesses that frequently travel with American Airlines. This card offers 2 AAdvantage miles per dollar spent on eligible American Airlines purchases and 1 AAdvantage mile per dollar spent on other purchases.

In conclusion, securing a business credit card for your small business does not need to be complicated or overwhelming. Several easy-to-get business credit cards are available, even for small or new businesses. Shop around and choose the one that fits your business needs the most.

Top 5 Easy to Get Business Credit Cards

The top five easy to get business credit cards are those that require minimal credit scores and offer decent rewards and incentives. Here are some of the credit cards that offer the best options for small businesses:

Credit Card Credit Score Interest Rates Rewards Program
Capital One Spark Classic for Business Fair (580-669) 26.99% Unlimited 1% cash back
Chase Ink Business Unlimited Good (670-739) 14.74% – 20.74% Unlimited 1.5% cash back
The Business Platinum Card from American Express Good (670-739) 14.24%-22.24% 5X points on flights and prepaid hotels on amextravel.com
Capital One Spark Cash for Business Good (670-739) 18.49% (Variable) Unlimited 2% cash back
CitiBusiness/AAdvantage Platinum Select Mastercard Good (670-739) 15.99%-24.99% 2 AAdvantage miles per dollar on eligible American Airlines purchases, gas, and restaurants & 1 AAdvantage mile per dollar on other purchases

1. Capital One Spark Classic for Business

This card is the simplest type of business credit card. It is best suited for those who have fair (580-669) credit scores. The card offers an unlimited 1% cash back on all purchases. Capital One Spark Classic for Business charges a 26.99% APR. The rewards are a good option for businesses that want cash back incentives.

2. Chase Ink Business Unlimited

This card is a great option for businesses that have a good (670-739) credit score. Chase Ink Business Unlimited offers unlimited 1.5% cash back on all purchases. The APR is between 14.74% – 20.74%. This card provides flexible cash back options.

3. The Business Platinum Card from American Express

The Business Platinum Card from American Express is another great option for businesses that have a good (670-739) credit score. The card offers a unique rewards program with 5X points on flights and prepaid hotels on amextravel.com. This card has a high annual fee but offers other benefits such as airport lounge access.

4. Capital One Spark Cash for Business

This card is similar to the Capital One Spark Classic for Business but offers a higher rewards program. Capital One Spark Cash for Business offers unlimited 2% cash back on all purchases. However, this card also has a comparatively high APR of 18.49% (Variable).

5. CitiBusiness/AAdvantage Platinum Select Mastercard

This card is best suited for businesses that frequently travel with American Airlines. CitiBusiness/AAdvantage Platinum Select Mastercard provides 2 AAdvantage miles per dollar on eligible American Airlines purchases, gas, and restaurants & 1 AAdvantage mile per dollar on other purchases. However, the card has an APR of 15.99%-24.99%.

Conclusion

Getting a business credit card is easier than ever, with a wide range of options available for businesses of all sizes. The above credit cards offer the best rewards and are easy to get. It is essential to choose a card based on your business’s needs and the credit score to ensure that you can enjoy the benefits of your card without any problems.

If you’re interested in finding business credit cards that are easy to get approved for, check out this list of top cards for easy approval. Whether you’re just starting out or have a less than perfect credit score, there are options available to get the financing you need.

10 Pros of Easy-to-Get Business Credit Cards

Business credit cards that are easy to obtain can bring with them a lot of benefits. Whether it’s convenience, rewards points, or cash back, there are numerous reasons why such cards are useful for small business owners. In this section, we will discuss the top 10 pros of easy-to-get business credit cards.

1. Convenience at Your Fingertips

Easy-to-get business credit cards offer you the convenience you need to access funds quickly when you need them. You can use them anywhere and at any time, which is a great benefit if you’re always on the go. No need to carry cash or personal credit cards; with a business credit card, you can handle your business expenses seamlessly.

2. Build Business Credit

Having a business credit card can help build your business credit score. As long as you make timely payments, every month, your score will gradually increase. This increases your chances of being approved for future loans for your business.

3. Cash Back and Rewards Points

Many business credit cards offer cashback rewards, airline miles, or travel points for purchases made using the card. This is an excellent way to enjoy incentives while making purchases, which is ideal for businesses that frequently use credit cards.

4. Convenience for Business Travelers

Business travel can be exhausting, but easy-to-get business credit cards can help make the process seamless. Business credit cards allow you to avoid currency exchange fees and manage your business expenses while traveling.

5. Easy Payment Tracking

Easy-to-get business credit cards come with detailed statements that make it easy for you to track your business expenses every month. This helps ensure your spending stays on track and that you have the necessary deductions for tax purposes.

6. Access to Higher Credit Limits

Business credit cards provide higher credit limits than personal credit cards. This makes it easy for businesses to cover their expenses, even if they’re operating at a large scale.

7. Purchase Protections

Easy-to-get business credit cards often come with purchase protection. This means that if you purchase something that is damaged or stolen, the credit card company will reimburse you. It’s a great way to protect your business and minimize your risk.

8. Improved Bookkeeping

Easy-to-get business credit cards give you access to detailed expense reports, which helps streamline your bookkeeping. This can save time, reduce the need for manual tracking, and make tax season easier on your business.

9. Variety of Business Credit Card Options

There are numerous business credit card options available on the market. This means you can choose the best credit card for your business, whether you’re focused on travel, cash back, or other rewards.

10. Used for Large Purchases

Easy-to-get business credit cards are particularly useful for businesses that need to make large purchases. It makes it easy to cover expenses quickly while also building your credit score.

Apply and Get Your Business Credit Card Today!

We hope you found our article informative and helpful in understanding easy to get business credit cards. Remember, having an organized financial system for your business is crucial for success, and a business credit card is a great tool for managing expenses and building credit. We encourage you to do your research, compare offers, and apply for a card that meets your business needs. Thank you for reading, and we look forward to seeing you again soon!

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