NerdWallet's editorial team has reviewed and rated over 250 small-business products to recommend the best instant approval business credit cards available. With a combined experience of 95+ years, the team uses a comprehensive ratings rubric to evaluate cards based on fees, rewards rates, bonus offers, and other features. This ensures that business owners can make informed decisions when choosing a credit card. Some standout options include the Capital One Spark Miles for Business, which is ideal for business travel, the American Express Blue Business Cash™ Card for cash-back rewards, and the Capital on Tap Business Credit Card, which caters to business owners with fair credit. Each card has its pros and cons, such as high rewards rates or annual fees, making it crucial for business owners to assess their needs before applying. For those seeking quick approval, having good credit (FICO score of 690 or higher) and applying online can expedite the process. Understanding the differences between preapproval, pre-qualification, and instant approval is also beneficial, as they impact your credit and application process differently. Ultimately, the right business credit card can offer immediate spending power and valuable rewards tailored to your company's needs.
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