Top 5 Instant-Approval Business Credit Cards 2022 – Perfect Choice for Easy Application
Introduction
Hello Friends, running a business is tough, and the situation gets even tougher sometimes when we don’t have enough funds to cater to the needs of our business. In such situations, credit cards can come to our rescue. While traditional financial institutions have become stringent in their approval process, new fintech companies have started offering fast and instant approval business credit cards. This article explores the top 5 instant-approval business credit cards that can help you get the required funds immediately. These cards are perfect for small business owners, entrepreneurs, and startups. Let’s dive in!
Cards Overview Table
| Card Name | Annual Fees | APR | Bonus Offer |
|---|---|---|---|
| Blue Business Plus Credit Card from American Express | $0 | 0% – 21.99% | 2x points on every purchase |
| Ink Business Cash Credit Card | $0 | 13.24% to 19.24% | $750 cashback after spending $7,500 within 3 months of account opening |
| Chase Sapphire Preferred Card | $95 | 15.99% to 22.99% | 100,000 points after spending $4,000 within 3 months of account opening |
| Capital One Spark Cash for Business | $95 (waived first year) | 20.99% | $500 cash bonus after spending $4,500 within 3 months of account opening |
| American Express Business Gold Card | $295 | 14.24% – 22.24% | 70,000 Membership Rewards points after spending $10,000 within 3 months of account opening |
Blue Business Plus Credit Card from American Express
The Blue Business Plus Credit Card from American Express is a popular card that doesn’t charge any annual or balance transfer fees. The credit card has a 0% introductory APR for the first 12 months, and after that, it ranges from 13.24% to 19.24%. The card offers 2x points on every purchase, which makes it one of the best options for small businesses. Moreover, the card has no annual fee, which means you can reap rewards without paying for them.
Ink Business Cash Credit Card
The Ink Business Cash Credit Card is one of the few cards that offer cashback rewards instead of points. The card has no annual fee and offers 5% cashback on office supplies, internet, and cable TV services, 2% cashback on gas stations and restaurants, and 1% cashback on all other purchases. The card has an introductory 0% APR for the first 12 months, and after that, it ranges from 13.24% to 19.24%. Small business owners who can spend $7,500 within 3 months can receive a $750 cashback bonus.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card is a travel rewards card that offers 60,000 bonus points after you spend $4,000 on purchases within the first three months of account opening. The credit card has an annual fee of $95, which can be waived for the first year, an introductory 0% APR for the first 15 months, and after that, it ranges from 15.99% to 22.99%. The card offers 2x points on travel and dining and 1 point per dollar spent on all other purchases. The card also offers additional benefits such as trip cancellation insurance, trip interruption insurance, and baggage delay insurance, among others.
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is a cashback credit card that offers unlimited 2% cashback on all purchases made with the card. The credit card has an annual fee of $95 (waived for the first year) and an APR of 20.99%. New cardholders can earn a $500 cash bonus after spending $4,500 within the first three months of account opening. The card also offers additional benefits such as purchase protection, extended warranty, and travel accident insurance.
American Express Business Gold Card
The American Express Business Gold Card is a travel rewards card that offers 70,000 Membership Rewards points after you spend $10,000 on purchases within the first three months of account opening. The credit card has an annual fee of $295 and an APR that ranges from 14.24% to 22.24%. The card offers 4x points on the two categories where your business spent the most each billing cycle (up to the first $150,000 in combined purchases), 1x points on all other purchases, and additional benefits such as car rental loss and damage insurance, baggage insurance plan, and purchase protection, among others.
Conclusion
So there you have it, folks – our top 5 picks for instant-approval business credit cards in 2022. Whether you’re a small-business owner, entrepreneur, or a startup, these credit cards can provide you with the necessary financial support to help you grow your business. Each one offers unique features tailored to different needs and budgets. We hope this guide has been helpful and informative for you in choosing the right credit card for your business. Good luck and happy credit card shopping!
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