Woman holding colorful easy approval credit cards
Betsy Wise
By: betsy_wise
Read in 12 minutes

Top 5 Easy Approval Credit Cards for Businesses

A business owner’s journey toward success involves obtaining financing to start or expand their business and fuel continued growth. Easy approval credit cards can be a great tool to achieve this goal.

Having access to extra money enables you to maintain your business operation during a downturn, improve cash flow, and capitalize on new opportunities to generate income.

It’s essential that you don’t experience a delay in obtaining funding whenever you need it. Getting a business credit card is one way to gain access to cash quickly. 

That’s why reading this post on easy approval credit cards will put financial information at your fingertips so you can move forward in your business. 

Wallet with easy approval business credit cards and dollars

What are credit cards?
They’re financing tools that allow you to make purchases almost anywhere. The maximum amount you can spend with credit cards is known as your credit limit.

What are Some Easy Credit Cards to Get Approved for? Top 5 Easy Approval Business Credit Cards

These easy approval credit cards are convenient forms of financing that take the hassle out of acquiring funding.

1. Wells Fargo Business Secured Credit Card (Easy Approval Credit Cards for Bad Credit)

Wells Fargo easy approval credit cards for bad credit

Rating for Easy Approval:
9 out of 10

Website: Wells Fargo


For these Wells Fargo easy approval credit cards, you need a minimum deposit of $500 and as much as $25,000, which will work as your credit line.

Rates and fees:

This Wells Fargo card charges no fee, and it has interest rates of their prime plus 11.90% on purchases and 20.74% on cash advances. However, there is a $25 fee per employee card.


Because this is a secured credit card, you don’t need to have a good credit score (it can be as low as 450) to be approved. So instead, what you do is pay a security deposit (that works as your credit balance).

You can get as many as 10 employee cards and have access to Wells Fargo Business Online. Plus, Wells Fargo can graduate you to an unsecured card if you use your card responsibly.

Also, you can receive one of the following benefits:

  • No-limit 1.5% cash back on all purchases
  • Rewards points: 1 per dollar, plus 1,000 points if you spend $1,000 or more each month

You can use easy approval credit cards for day-to-day business purchases, to pay suppliers or make one-time payments to purchase small equipment. 

2. American Express Blue Business Cash Card

American Express easy credit cards to get approved for

Rating for Easy Approval:
7 out of 10

Website: American Express


An authorized officer of the company must provide personal and business information. This includes name, addresses, phone numbers, revenue, years in business, number of employees, Federal Tax ID# for partnerships and corporations, social security number, birth date, and annual personal income.

Rates and fees:

The no-annual-fee, 0% APR card has a 13.24% to 19.24% variable rate after 12 months. 


When applying online, American Express promises a decision in 30 seconds after pulling your personal and business credit scores. In addition, these easy approval credit cards earn 2% cashback on eligible purchases up to $50,000 per calendar year and 1% after that. 

3. Capital One Spark Classic for Business

Capital One Spark easy approval business credit cards

Rating for Easy Approval:
6 out of 10

Website: Capital One


The minimum credit score requirement is 580. 

The application of Capital One’s easy approval credit cards asks for personal and business and other information such as the owner’s social security number and birth date. In addition, the lender may request copies of specific financial documents. 

Rates and fees:

Capital One charges a purchase rate of 26.99% variable APR on accounts with balances. This unsecured business credit card doesn’t have annual, balance transfer, or foreign transactions fees.  


Capital One designed the card to help business owners build or rebuild credit. 

Access the year-end tax report for an itemized summary of spending. In addition, capital One reports to personal and business credit bureaus which could help your credit scores if you make timely payments and purchase responsibly. The card pays 1% cashback on all purchases and doesn’t charge for employee cards.

How to get easy approval credit cards?
You will need to fill out an application with the card issuer. You will also need to provide an ID and proof of address, among some other documents.

4. Ink Business Cash Credit Card

Chase Ink easy approval credit cards

Rating for Easy Approval:
5 out of 10

Website: Chase


Applicants must provide business and personal information to include addresses, phone numbers, tax ID number, social security or ITIN, birth date, business revenue, and personal income. In addition, the lender pulls information relating to the applicant’s personal and business credit history.

Rates and fees:

Moreover, the card has a 0% introductory APR for the first 12 months. The issuer charges cardholders a $40 late payment fee, 5% on balance transfers and cash advances, and a 3% foreign transaction fee for each transaction. There’s no annual fee. 

Moreover, the applicant is personally responsible for any unpaid balance on the credit card. 


Also, these easy approval credit cards offer real-time fraud monitoring and zero liability protection for unauthorized charges. After spending $7,500 in 3 months, you receive a $750 cash bonus. In addition, you can earn 1% to 5% based on the type of purchase. 

5. BONUS: Bento for Business Visa Debit Card

Bento easy approval credit cards

Rating for Easy Approval:
9 out of 10

Website: Bento

While this is not a credit card (but a debit card), we decided to add it to the list because it’s extremely easy to get, and it’s perfect for businesses that need to give their employees cards for business purposes.

This is a good alternative for business owners wanting to learn how to use a credit card.


These easy approval credit cards don’t require a credit check. In addition, because it’s a prepaid card, a personal liability guarantee is not required.

Rates and fees:

The free 60-day trial period allows you to use the card to see if it’s right for your business. After that, you pay a monthly fee based on the number of cards attached to the account. 


The instant approval process means in a few minutes using a mobile app; you can use cards with a spending limit or fixed amount (or both). 

You can designate which employees use them and monitor their purchases. Likewise, you control which cards are turned on or off through a mobile wallet and can place a limit on daily spending per card and ATM withdrawals. 

Cards are available in plastic and virtual formats, and you can tailor them to your specific business needs. 

The Bento Accounting Dashboard tracks purchases and categorizes them based on your input. 


Although the card helps new business owners monitor spending and make fast, contactless payments, its biggest drawback is that the card doesn’t build business credit. However, it’s a valuable training tool to learn how to stay within a pre-planned budget and not overspend.


Note: The above credit card issuers change their terms, conditions, rates, and other information from time to time. We recommend that before you submit an application, you carefully review their current offers.

stack of multicolored easy credit cards to get approved for

Which one is the best credit card with easy approval
If you are only looking for something easy and fast, we recommend you look at the “rating for easy approval”. Keep in mind, though, that the easiest card may not be the best one for you. It all depends on your needs, your credit score, and the card’s requirements. The truth is that there might be other better options for you.

Are there any other easy-approval financing alternatives?

Easy approval credit cards aren’t the only type of quick and uncomplicated financing. 

Consider alternative financing available through online lenders such as Camino Financial. We work with business owners just starting out and individuals that have been in business for years. 

Camino Financial

Camino Financial: easy approval business loans

Rating for Easy Approval:
10 out of 10

We offer quick small business loans that fit your needs.

Our Requirements:

  • Annual sales of $30,000
  • Business in operation for at least 9 months
  • Current with creditors and no past due or existing debt obligations

Our Fees:

  • No prepayment penalties
  • Origination Fee: 5% to 6.99%

Our Benefits:

  • Convenience – You apply online from the comfort of your home or office. 
  • Quick Processing – Once you apply, you receive an instant quote. Upon approval, you can expect to receive funding in as little as 2 days. 
  • We don’t require collateral – our loans are unsecured, which means you don’t provide assets such as equipment or property for the loan to be approved. 
  • No credit history is required – We’re aware that many business owners need financing but haven’t established credit history.
  • No SSN is required – Camino Financial accepts applicants with an ITIN because they haven’t qualified for an SSN.

Young man considering easy approval credit cards for bad credit

Get the funds you need

Easy approval credit cards are a convenient way to make purchases on the go, purchase supplies, or pay for travel expenses. But if you need larger amounts of cash for investments that will take your business to the next level, a business loan is a better alternative.

At Camino Financial, it’s our number one priority to make sure that “no business is left behind.” We specialize in turning the dreams of business owners into realities.

We encourage you to use our business loan calculator and see at a glance the loan amount that’s comfortable for your budget. 

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