What Credit Score Do You Need to Get a Business Credit Card? [Based on Actual FICO Data]

I’ve been a business owner since 2007. Today, I own two businesses, both of which have business credit cards. To qualify for those cards, I had to use my personal credit history and credit score. That got me thinking: what credit score do you need to qualify for a business card?

Credit Score Data Is Hard To Find

Credit card issuers don’t tell you what credit score they require. They give you general credit requirements, such as you need “good credit.”

Searching for the information in Google returns results that are flat-out wrong. A recent search found countless claims by the “big” credit card sites that we here at AllCards know are wrong:

  • “The best business credit cards typically do require a good personal credit score, however, which means you need a credit score of 700+ to qualify.”–Wrong
  • “Most cards require good or excellent credit, typically a personal FICO score of 690 or higher. . . .”–Wrong
  • “Generally, at least a good credit score is required, which means a score of 700 or higher.”–Wrong

What’s worse, these sites don’t back up their claim. They don’t disclose the basis for what they are telling thousands of business owners. Let’s do better than that.

How AllCards Collects Credit Score Data

Here at AllCards, we know that business owners with low to mid 600s scores have been approved for some of the most popular business credit cards available. How do we know this?

We’ve been collecting credit score data for years. Our team searches credit and credit card forums to gather scoring data, where forum members share their experiences applying for credit cards. We’re there when they post the results of their credit card applications and their credit score. We make all of this data available to you.

Also See: How to Get a Business Credit Card In 4 Steps

Our Credit Score Data for Business Credit Cards

The average approved credit score for the top business cards is in the 700s. However, we’ve found many users approved with credit scores in the low to mid 600s. Even the very popular Ink Business Unlimited® Credit Card has approval with a FICO score of just 653.

We found credit score data for the list of business credit cards below. You’ll see the lowest approved credit score publicly available and the average approved credit score from the data we’ve collected. These numbers update automatically as we add more FICO scoring data.

You’ll also see a table with the details of the credit score data we have for each card.

As you review the data, keep in mind that different card issuers check credit reports from different reporting agencies. Here’s a table of the major issuers and the credit reports they typically check (it can vary by state and by card) based on data from Creditboards.com:

IssuerCredit Bureau
Most Frequently Pulled
Comments
American ExpressExperianPulls from TU and EQ a small percentage of the time
Bank of AmericaExperianPulls from TU and EQ a small percentage of the time
Capital OneAll ThreeCapital One pulls from all three major credit bureaus
ChaseVaries by stateThey pull from any of the 3 based in part on location
CitiExperian and EquifaxPulls from TU a small percentage of the time
U.S. BankAll ThreePulls from TU, EQ or EX based on location
  • Delta SkyMiles® Gold Business American Express Card

    Delta Skymiles Gold Business American Express card

    Lowest Approved Credit Score: 604

    Average Approved Credit Score: 651

    App StatusDateCredit ScoreBureauCredit Limit
    Approved05/06/2022
    610
    Equifax
    $1,000
    Approved11/25/2021
    655
    Equifax
    $2,500
    Approved11/25/2021
    668
    TransUnion
    $2,500
    Approved11/25/2021
    672
    Experian
    $2,500
    Approved06/15/2021
    640
    Not Provided
    ---
    Approved06/15/2021
    660
    Equifax
    $1,000
    Approved06/16/2021
    664
    Experian
    $2,000
    Approved06/16/2021
    678
    Equifax
    $2,000
    Approved06/16/2021
    691
    TransUnion
    $2,000
    Approved05/06/2022
    604
    Experian
    $100
    Approved05/06/2022
    616
    TransUnion
    $1,000
  • Ink Business Unlimited® Credit Card

    Chase Ink Business Unlimited

    Lowest Approved Credit Score: 653

    Average Approved Credit Score: 743

    App StatusDateCredit ScoreBureauCredit Limit
    Approved03/18/2023
    825
    Experian
    $6,000
    Approved12/14/2023
    783
    TransUnion
    $8,000
    Approved12/14/2023
    787
    Experian
    $8,000
    Approved12/14/2023
    791
    Equifax
    $8,000
    Approved10/04/2023
    734
    TransUnion
    $8,000
    Approved10/04/2023
    735
    Equifax
    $8,000
    Approved10/30/2023
    850
    Experian
    $16,000
    Approved04/25/2023
    662
    Equifax
    $4,000
    Approved04/25/2023
    667
    TransUnion
    $4,000
    Approved04/25/2023
    718
    Experian
    $4,000
    Approved04/16/2023
    843
    Experian
    $16,000
    Approved01/12/2024
    653
    Experian
    $4,000
    Approved01/12/2024
    672
    TransUnion
    $4,000
    Approved01/12/2024
    675
    Equifax
    $4,000
    Denied01/12/2024
    756
    Experian
    ---
    Denied01/12/2024
    775
    TransUnion
    ---
  • Delta SkyMiles® Platinum Business American Express Card

    Delta Skymiles Platinum Business American Express Card

    Lowest Approved Credit Score: 659

    Average Approved Credit Score: 716

    App StatusDateCredit ScoreBureauCredit Limit
    Approved10/12/2021
    810
    Not Provided
    $10,000
    Approved06/13/2022
    659
    Experian
    $1,700
    Approved09/07/2021
    679
    Equifax
    $1,700
  • Amazon Business Prime American Express Card

    Lowest Approved Credit Score: 670

    Average Approved Credit Score: 749

    App StatusDateCredit ScoreBureauCredit Limit
    Approved01/22/2024
    817
    Experian
    $10,000
    Approved07/24/2023
    725
    Equifax
    $22,000
    Approved07/24/2023
    727
    Experian
    $22,000
    Approved07/24/2023
    731
    TransUnion
    $22,000
    Approved05/28/2023
    726
    Equifax
    $3,000
    Approved05/28/2023
    800
    Experian
    $3,000
    Approved05/28/2023
    806
    TransUnion
    $3,000
    Approved04/04/2024
    710
    Not Provided
    $3,500
    Approved05/26/2023
    670
    Equifax
    $3,000
    Approved05/26/2023
    702
    Experian
    $3,000
    Approved05/26/2023
    709
    TransUnion
    $3,000
    Approved02/13/2023
    717
    Experian
    $3,000
    Approved11/30/2023
    774
    Experian
    $3,000
    Approved11/30/2023
    806
    Equifax
    $3,000
    Approved11/30/2023
    814
    TransUnion
    $3,000
  • American Express Blue Business Cash Card Review

    American Express Blue Business Cash Card

    Lowest Approved Credit Score: 680

    Average Approved Credit Score: 738

    App StatusDateCredit ScoreBureauCredit Limit
    Approved05/20/2023
    690
    Not Provided
    ---
    Approved08/23/2023
    746
    Experian
    $10,000
    Approved08/23/2023
    752
    TransUnion
    $10,000
    Approved08/23/2023
    753
    Equifax
    $10,000
    Approved09/12/2023
    823
    Experian
    $5,000
    Approved01/20/2024
    717
    Experian
    $10,000
    Approved01/20/2024
    739
    Equifax
    $10,000
    Approved01/20/2024
    741
    TransUnion
    $10,000
    Approved02/23/2023
    680
    Experian
    $2,000
  • American Express® Business Gold Card

    American Express Business Gold Card

    Lowest Approved Credit Score: 682

    Average Approved Credit Score: 716

    App StatusDateCredit ScoreBureauCredit Limit
    Approved07/15/2023
    709
    Equifax
    ---
    Approved07/15/2023
    715
    Equifax
    ---
    Approved07/15/2023
    719
    TransUnion
    ---
    Approved07/15/2023
    724
    Experian
    ---
    Approved07/15/2023
    726
    TransUnion
    ---
    Approved10/13/2023
    682
    Equifax
    ---
    Approved10/13/2023
    721
    Experian
    ---
    Approved10/13/2023
    732
    TransUnion
    ---
  • The Hilton Honors American Express Business Card

    Hilton Honors American Express Business Card

    Lowest Approved Credit Score: 686

    Average Approved Credit Score: 686

    App StatusDateCredit ScoreBureauCredit Limit
    Approved05/22/2022
    686
    Experian
    $3,000
  • Ink Business Premier® Credit Card

    Chase Ink Business Premier

    Lowest Approved Credit Score: 690

    Average Approved Credit Score: 745

    App StatusDateCredit ScoreBureauCredit Limit
    Approved06/27/2023
    690
    Experian
    $10,000
    Approved01/03/2023
    755
    Not Provided
    $20,000
    Approved01/03/2023
    766
    Not Provided
    $20,000
    Approved01/03/2023
    768
    Not Provided
    $20,000
  • The Business Platinum Card® from American Express

    Amex Business Platinum Card

    Lowest Approved Credit Score: 690

    Average Approved Credit Score: 741

    App StatusDateCredit ScoreBureauCredit Limit
    Approved02/11/2023
    720
    Not Provided
    ---
    Approved08/29/2023
    767
    Experian
    ---
    Approved08/03/2023
    690
    Not Provided
    $50,000
    Approved03/24/2023
    788
    Not Provided
    $2,000
    Denied12/11/2023
    753
    Experian
    ---
  • Marriott Bonvoy Business® American Express® Card

    Lowest Approved Credit Score: 704

    Average Approved Credit Score: 757

    App StatusDateCredit ScoreBureauCredit Limit
    Approved12/04/2023
    757
    Equifax
    $3,000
    Approved12/04/2023
    773
    Experian
    $3,000
    Approved12/04/2023
    794
    TransUnion
    $3,000
    Approved05/06/2022
    704
    Not Provided
    $3,000
  • Ink Business Preferred® Credit Card Review

    Chase Ink Business Preferred

    Lowest Approved Credit Score: 710

    Average Approved Credit Score: 788

    App StatusDateCredit ScoreBureauCredit Limit
    Approved09/26/2023
    746
    Experian
    $5,500
    Approved09/26/2023
    764
    TransUnion
    $5,500
    Approved09/26/2023
    798
    Equifax
    $5,500
    Approved12/27/2023
    710
    Not Provided
    $14,500
    Approved07/03/2023
    755
    Experian
    $14,500
    Approved01/06/2024
    825
    Experian
    $10,000
    Approved01/06/2024
    845
    Equifax
    $10,000
    Approved01/06/2024
    845
    TransUnion
    $10,000
    Approved10/31/2023
    788
    Experian
    $63,000
    Approved10/31/2023
    804
    TransUnion
    $63,000
  • Capital One Spark Miles for Business Credit Card

    Capital One Spark Miles

    Lowest Approved Credit Score: 713

    Average Approved Credit Score: 725

    App StatusDateCredit ScoreBureauCredit Limit
    Approved11/19/2019
    713
    Experian
    $30,000
    Approved11/19/2019
    728
    TransUnion
    $30,000
    Approved11/19/2019
    734
    Equifax
    $30,000
  • Delta SkyMiles® Reserve Business American Express Card

    Delta Skymiles Business American Express Card

    Lowest Approved Credit Score: 750

    Average Approved Credit Score: 755

    App StatusDateCredit ScoreBureauCredit Limit
    Approved09/08/2021
    750
    Experian
    $60,000
    Approved09/08/2021
    750
    TransUnion
    $60,000
    Approved09/08/2021
    765
    Equifax
    $60,000
  • Capital One Spark Cash Select for Excellent Credit

    Capital One Spark Cash Select

    Lowest Approved Credit Score: 750

    Average Approved Credit Score: 750

    App StatusDateCredit ScoreBureauCredit Limit
    Approved07/22/2022
    750
    Not Provided
    $20,000
    Denied07/16/2022
    755
    Equifax
    ---
  • Ink Business Cash® Credit Card

    Chase Ink Business Cash

    Lowest Approved Credit Score: 753

    Average Approved Credit Score: 782

    App StatusDateCredit ScoreBureauCredit Limit
    Approved12/13/2023
    781
    Experian
    $3,000
    Approved12/13/2023
    805
    TransUnion
    $3,000
    Approved12/13/2023
    811
    Equifax
    $3,000
    Approved01/03/2023
    753
    Experian
    ---
    Approved07/04/2023
    755
    Experian
    $3,500
    Approved07/04/2023
    791
    Equifax
    $3,500
    Approved07/04/2023
    815
    TransUnion
    $3,500
    Approved01/06/2023
    757
    TransUnion
    $5,000
    Approved01/06/2023
    763
    Equifax
    $5,000
    Approved01/06/2023
    764
    Experian
    $5,000
    Approved01/12/2024
    810
    TransUnion
    $4,000
    Denied08/10/2023
    763
    Experian
    ---
  • Business Green Rewards Card from American Express

    Business Green Rewards card from American Express

    Lowest Approved Credit Score: 784

    Average Approved Credit Score: 785

    App StatusDateCredit ScoreBureauCredit Limit
    Approved11/17/2021
    784
    Experian
    ---
    Approved11/17/2021
    786
    Equifax
    ---
    Approved11/17/2021
    786
    TransUnion
    ---
    Denied10/14/2020
    706
    Experian
    ---
  • Capital One Spark Cash Plus

    Capital One Spark Cash Plus

    Lowest Approved Credit Score: 790

    Average Approved Credit Score: 790

    App StatusDateCredit ScoreBureauCredit Limit
    Approved11/01/2023
    790
    Not Provided
    ---
  • The Blue Business Plus Credit Card from American Express

    The Blue Business Plus Credit Card from American Express

    Lowest Approved Credit Score: 821

    Average Approved Credit Score: 831

    App StatusDateCredit ScoreBureauCredit Limit
    Approved04/06/2024
    821
    Equifax
    $12,800
    Approved04/06/2024
    830
    TransUnion
    $12,800
    Approved04/06/2024
    841
    Experian
    $12,800
    Denied12/11/2023
    753
    Not Provided
    ---

What to Keep In Mind

First, the credit card issuers have not sanctioned, approved, or as far as I know, even reviewed this data. Second, your credit score is just one of many factors that a credit card issuer will evaluate before they approve you for a card.  Third, the underwriting standards that a credit card issuer uses can change over time. Finally, some cards have very little credit score data, but we continually search for and add credit score data as it becomes available. 

Also See: Our List of the Best Small Business Credit Cards

Summary

If you’re a business owner with average or less-than-perfect credit, you can qualify for a business credit card. If you’d like to share your business credit card experience with us, please send us a note. All data we use is scrubbed of any personally identifiable information so you can remain anonymous.