Business Credit Cards

The Top 3 Easiest Business Credit Cards to Get in 2021

As a business owner, having a credit card dedicated to your business can be incredibly helpful. Not only does it allow you to separate your personal and business expenses, but it can also help you build credit for your business. However, getting approved for a business credit card can sometimes be a challenge, especially if you're a new business or have limited credit history. In this article, we'll take a look at the top three easiest business credit cards to get in 2021.

1. Capital One Spark Classic for Business

The Capital One Spark Classic for Business is a great option for business owners with limited credit history or a less-than-perfect credit score. While it doesn't have the same rewards and perks as some other business credit cards, it does offer 1% cash back on all purchases, which can be a nice bonus for businesses just starting out. Another benefit is that there's no annual fee, so you won't have to worry about paying extra just to have the card.

2. Wells Fargo Business Secured Credit Card

If you're really struggling to get approved for a business credit card, the Wells Fargo Business Secured Credit Card may be a good option for you. This card requires a security deposit, which can be as low as $500, but it can help you establish credit for your business. Plus, after a certain amount of time, you may be able to upgrade to an unsecured card, which doesn't require a security deposit. The card also offers 1.5% cash back on all purchases, making it a good choice for businesses that spend a lot of money each month.

3. Ink Business Cash Credit Card from Chase

The Ink Business Cash Credit Card from Chase is another great option for businesses with limited credit history. While it does require a decent credit score, it offers a generous cash back rewards program. You'll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You'll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases. Plus, there's no annual fee.

Conclusion

Getting approved for a business credit card can be a challenge, but it's not impossible. By choosing one of the top three easiest business credit cards to get in 2021, you can start building credit for your business and enjoy the benefits of having a dedicated credit card. Just remember to use your card responsibly and pay your bills on time to avoid any negative impact on your credit score.