Published By Janet Gershen-Siegel at September 16th, 2018
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.
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!
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
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 15 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/
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/
For Low APR/Balance Transfers Business Credit Cards, 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
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/
For Travel Points, we have a preference for the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles after you make $1,000 in purchases on your new card during your very first three months. Terms and limitations apply.
Also earn a $50 statement credit. But this is after you make a Delta purchase with your new card. And it’s within your first three months. Earn two miles per dollar spent on purchases made straight with Delta. And earn one mile on each qualifying dollar spent on purchases.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279
Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:
You also receive Gold Status when you register for the Starwood Preferred Guest program. You get a $200 annual air travel fee credit. There is a $100 credit towards the Global Entry application fee. And that includes access to TSA PreCheck program.
You get one point for every dollar spent on the majority of purchases. Also get one and a half times the points on charges of $5,000 or more on qualifying purchases. So this is up to one million more points yearly.
And you get five points per dollar spent buying flights and prepaid hotels from the American Express Travel website.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
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
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/
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
Also, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card. With it, you can earn a $200 statement credit after $500 in purchases. But this is during 60 days of account opening. You also get 3% cash back on purchases at gasoline stations and office supply stores. So this is up to $250,000 annually.
And you get 2% cash back on purchases at eateries. Also get 1% cash back on all purchases. There is no yearly fee. It is on offer to applicants with exceptional credit. But you can only redeem your cash back in $25 increments.
Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/
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/
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
Also, check out the Business Platinum ® Card from American Express OPEN. You can earn as many as 75,000 Membership Rewards points. But this is at the time of account opening.
You can also earn 50,000 Membership Rewards points. But this is after spending $10,000. And you can get an extra 25,000 points. But that is after spending an added $10,000. And it is all on qualifying purchases during the initial three months.
Additionally you can get five times the Membership Rewards points on airline flights and pre-paid hotels on amextravel.com. But it has a $450 yearly fee. Yikes!
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
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.