Starting or growing a business often requires additional funds for inventory, marketing, travel, or simply covering cash flow gaps. Business credit cards can be an essential tool for entrepreneurs, offering not only flexible financing but also rewards, purchase protections, and a chance to build strong business credit.
But what if your credit isn’t perfect? Many entrepreneurs fall into the “average credit” category, typically defined as a FICO score between 580 and 669. While this may limit your access to premium business credit cards, the good news is there are still several options designed to accommodate business owners with fair or average credit profiles.
In this guide, we’ll explore some of the easiest business credit cards to get approved for in the U.S. if your credit score is average. We’ll also break down what makes them beginner-friendly, their benefits, and what to watch out for.
Why Average Credit Matters for Entrepreneurs
Credit card issuers rely heavily on your credit score to assess risk. With an average score, you may not qualify for high-limit cards with premium perks like airport lounge access or high cash-back rates. However, you’re not out of options:
- Many banks offer entry-level business credit cards tailored to small business owners.
- Some cards are secured, meaning they require a deposit, but they’re easier to obtain.
- Certain issuers consider factors beyond personal credit, such as business revenue or cash flow.
By responsibly using one of these easier-to-get cards, you can improve your credit profile and eventually qualify for more lucrative offers.
The Easiest Business Credit Cards for Entrepreneurs with Average Credit
1. Capital One Spark Classic for Business
- Best for: Entrepreneurs building credit while earning rewards
- Annual Fee: $0
- Rewards: Unlimited 1% cash back on all purchases
The Capital One Spark Classic is widely regarded as one of the easiest business credit cards to qualify for if you have average credit. It offers straightforward cash-back rewards, no annual fee, and access to business tools like year-end summaries and employee cards at no extra cost.
Since it doesn’t require excellent credit, approval odds are higher for entrepreneurs in the average range. This card also reports to both personal and business credit bureaus, giving you the opportunity to strengthen both profiles.
Why it’s easy: Capital One designs this card for business owners with fair to average credit. It balances accessibility with decent perks, making it an ideal starter card.
2. Brex Card for Startups
- Best for: Startups with strong cash flow but average personal credit
- Annual Fee: $0
- Rewards: Up to 7x on rideshare, 4x on travel, 3x on restaurants, 2x on recurring software, and 1x on everything else
Brex is unique because it doesn’t rely heavily on your personal credit score. Instead, it bases approval on your business’s financials—such as bank account balances, investors, and revenue. That makes it an excellent option for entrepreneurs with average personal credit but a growing business.
Why it’s easy: If your business has healthy cash flow, Brex is far easier to qualify for compared to traditional cards that rely strictly on credit scores.
3. Bank of America® Business Advantage Unlimited Cash Rewards Secured Card
- Best for: Entrepreneurs needing to rebuild credit
- Annual Fee: $0
- Rewards: Unlimited 1.5% cash back on all purchases
For business owners who want guaranteed approval despite average or even poor credit, a secured business credit card is the safest bet. With this card, you’ll need to make a refundable security deposit (usually starting at $1,000), which acts as your credit line.
Over time, with responsible use, Bank of America may review your account and upgrade you to an unsecured card, returning your deposit.
Why it’s easy: Secured cards have much lower approval requirements, making them accessible to nearly all entrepreneurs regardless of credit history.
4. Ramp Corporate Card
- Best for: Tech-savvy businesses looking for an all-in-one platform
- Annual Fee: $0
- Rewards: 1.5% cash back on all purchases, plus access to software discounts
Ramp is another card that, like Brex, prioritizes your business’s financial health over personal credit. It integrates expense management, spend controls, and accounting software tools into one platform.
If your business is incorporated and has a dedicated bank account with steady cash reserves, Ramp is an easy approval option even if your personal credit is just average.
Why it’s easy: Approval is based on business financials, not your FICO score.
5. Divvy Business Card
- Best for: Businesses wanting expense tracking with flexible terms
- Annual Fee: $0
- Rewards: Up to 7x on restaurants, 5x on hotels, 2x on recurring software, and 1.5x on everything else
Divvy offers corporate charge cards that help businesses manage budgets and employee expenses. Like Brex and Ramp, Divvy bases approval on your business’s performance instead of your personal credit.
Why it’s easy: Average credit isn’t a barrier since Divvy looks at revenue and cash flow.
Tips to Improve Approval Odds with Average Credit
Even with average credit, you can improve your chances of getting approved:
- Separate Personal and Business Finances – Open a business checking account and keep records of revenue and expenses. Lenders prefer businesses with clean financial separation.
- Show Consistent Cash Flow – Issuers like Brex and Ramp weigh cash flow more than credit scores. Maintaining strong deposits helps.
- Start with Secured Cards – If approval is difficult, a secured business card helps you build credit while managing expenses.
- Limit Hard Inquiries – Too many applications can hurt your score. Target the cards most likely to approve you.
- Maintain Low Utilization – Keep your balances below 30% of your limit to demonstrate responsible use.
Final Thoughts
Having average credit shouldn’t hold you back from accessing business credit cards. While you may not qualify for high-limit premium cards right away, options like the Capital One Spark Classic, secured business cards, and corporate charge cards like Brex, Ramp, or Divvy can help you bridge the gap.
These cards offer more than just spending power—they provide rewards, tools for managing expenses, and, most importantly, a pathway to stronger credit. With consistent use and responsible payments, you’ll gradually improve your credit profile and unlock access to the best business credit cards in the market.
If you’re an entrepreneur with average credit, don’t wait—start with one of these easier approval options, build your track record, and set your business up for long-term financial growth.