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The Best Instant Approval Business Credit Cards

Reviewed by Ty Crandall

June 13, 2024

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The Best Instant Approval Business Credit Cards

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These Sure-Fire Business Credit Cards with Instant Approval Could Save Your Business

Help your business thrive with business credit cards with instant approval. Conquer your competition!

Per the SBA, business credit card limits are 10 – 100 times those of personal cards! This means you can get a lot more cash with small business credit. And it also means you can have personal charge cards at stores.

So you would now have a second card at the same shops for your business. And you will not have to provide collateral, cash flow, or financial information to get small business credit.

Business Credit Cards with Instant Approval: Card Features

Features vary, so be sure to pick the advantage you prefer from this range of possibilities. We have gone above and beyond to find you the business credit cards with instant approval that you crave.

Instant approval isn’t unique to the very rich. These terrific cards can be yours, too!

Business Credit Cards with Instant Approval: Small Business Credit Cards with 0% APR

For a 0% APR period, we like the Ink Business Cash ℠ Credit Card. You pay no annual cost. It’s got an interest-free time period. It has flexible cash-back rewards. There are spending limits for employees. You will need to have a credit score of 690 or better.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business ℠ Plus Credit Card from American Express

Get instant approval business credit cards from Amex. For an introductory 0% APR time period, we also like the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for fifteen months. You can earn double points on day-to-day business purchases up to an annual cap. The standard APR is 12.24% – 20.24% (variable).

Get it here: https://creditcard.americanexpress.com/blue/

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Business Credit Cards with Instant Approval: Credit Builder Small business Credit CardsBest Small Business MasterCard Credit Suite

Have a look at the Wells Fargo Business Secured Credit Card. It enables cardholders to procure a credit limit of $500 – $25,000. The amount available equals the amount of money you provide to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. The yearly fee is $25. But the more cards you have the higher your annual fee will be.

This card allows company owners with inadequate personal credit to acquire a card to make purchases and establish business credit. But he card will only report to the personal credit bureaus if you default or are behind on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

Business Credit Cards with Instant Approval: Low APR/Balance Transfers Business Credit Cards

For instant business credit cards with low APR/balance transfers, we like the U.S. Bank Business Edge Platinum. You start with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer cost.

Thereafter, the purchase APR is a variable 10.49% – 18.49%; this depends on creditworthiness. There is no yearly fee. This card is just offered to those with great or superb credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Click to download Credit Suite’s 12 business credit cards and credit lines business guide. Learn everything you need to know about getting the best credit cards for your business. via Credit Suite

Blue Business Plus Credit Card from American Express

Also, check out the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no annual fee. Right now small businesses can earn double points on the first $50,000 in purchases yearly.

Get it here: https://creditcard.americanexpress.com/blue/

Ink Business Preferred Card from Chase

Also, make sure to Check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points. But this is after you spend $5,000 on purchases within the initial three months from account opening.

Earn three points for each dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. Also earn on advertising purchases made with social media sites and search engines each account anniversary year.

Earn one point for each dollar on all of the other purchases. And there is no limit to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

Click to download Credit Suite’s 12 business credit cards and credit lines business guide. Learn everything you need to know about getting the best credit cards for your business. via Credit Suite

Business Credit Cards with Instant Approval: Company Credit Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. So it has no yearly fee. And there are cash-back rewards. But you will need a credit score of 690 or better.

BUT BEAR IN MIND: the standard APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Business Credit Cards with Instant Approval: Cards for Cash Back

Look at the SimplyCash Plus Business Credit Card from American Express. You can earn as much as $400 cash back. Earn a $200 statement credit after spending $5,000. You get 5% cash back at US office supply stores and on wireless phone services bought straight from US service providers. So this applies to first $50,000 of annual spending.

You also get 3% cash back on the spending category of your choice. So this is from eight different categories. They include air travel, gas, advertising and computer purchases. But this applies to the first $50,000 of yearly spending. Plus you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Click to download Credit Suite’s 12 business credit cards and credit lines business guide. Learn everything you need to know about getting the best credit cards for your business. via Credit Suite

Spark Cash Select from Capital One

In addition, check out the Spark Cash Select from Capital One. You get 1.5% cash back on all purchases, without any restrictions.

New cardholders can also get a $200 cash bonus. But this is once they spend $3,000 on new purchases. And it is during the first three months of account opening.

New customers also get introductory APR of 0% on purchases for nine months. And there is no yearly fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Business Credit Cards with Instant Approval: Cards for Rewards

Check out the Business Gold Rewards Card from American Express OPEN. You can earn 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card. And it is during first three months.

You get three points on your choice of five categories. Also get two times the points on the other categories. And get one point per dollar on all other purchases. It has a $0 annual fee for the first year. But after that your yearly fee goes up to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Credit Cards with Instant Approval Can Help You Set Your Company Apart

Your very best business credit cards with instant approval depend on your credit history and scores. Just you can figure out which rewards you want and need. So make sure to do your research. As always, we can help.

And, as always, make certain to build credit in the established order for the max, fastest benefits. Check out how this will help your company get business credit cards with instant approval.

About the author 

Janet Gershen-Siegel

Janet Gershen-Siegel is the seasoned Finance Writer and a former content manager at Credit Suite. She has been admitted to practice law for over 30 years, with a focus on litigation and product liability, and is a published author, with writing credits at Entrepreneur, FedSmith.com and BusinessingMag.com.

She has a BA in Philosophy from Boston University, a JD from the Delaware Law School of Widener University, and a MS in Interactive Media (Social Media) from Quinnipiac University.

She regularly writes for Credit Suite, which helps businesses improve Fundability™, build credit, and get approved for loans and credit lines.

Her specialties: business credit, business credit cards, business funding, crowdfunding, and law

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