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Compare business credit cards for bad credit

A secured card may be your best bet, but you may have luck with Capital One's unsecured card too.

Unsecured business credit cards almost universally require good to excellent credit. However, you're not out of luck if your credit score is less than perfect. You may qualify for a credit line with providers who evaluate prospective customers with alternative metrics or you can apply for a secured credit card. Use our table to compare your options. You can also select "Show filters" to narrow your search to products with the features you need most.

Name Product Rewards Purchase APR Annual fee
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Wells Fargo Business Secured Credit Card
1.5% cash back on all purchases
15.15% variable
$0
This product is temporarily unavailable until May 16, 2021. Earn 1.5% cash back on all purchases.
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Compare up to 4 providers

Best for earning cash back on your purchases

Capital One® Spark® Classic for Business

Finder rating 3.6 / 5 ★★★★★

This is a solid business credit card aimed at business owners with average credit. Unlike most business cards for building credit, this one is an unsecured card and it has no annual fee.

Best for a high credit limit

The Kabbage Card

To qualify for this card, your business must be at least a year old and have $50,000 or more in annual revenue or $4,200 or more in monthly revenue over the last three months. Once approved, you don't have to use the funds if you don't need them and there are no fees for the funds you don't use.

Best for a high-limit secured card

Wells Fargo Business Secured Credit Card

Finder rating 4.1 / 5 ★★★★★

The Wells Fargo Business Secured Credit Card is a solid business credit card for building credit and earning rewards on your purchases at the same time. You get to choose the rewards program - earn either 1.5 cash back on all of your purchases or 1.5x points plus additional points every month you spend more than .

Best for spending on office supplies, gas and dining

What’s next?

Once you get a card for building credit, make sure you always pay your balance on time, and if possible — keep your utilization rate below 30%. This will help you build your credit score and get a better credit card down the line.

How to compare business credit cards for bad credit

  • Consider whether you want an unsecured or secured credit card. An unsecured card doesn’t require a security deposit, whereas a secured card does. Providers are typically more selective about who they give unsecured cards to.
  • Annual fee. Secured business cards usually don’t have high annual fees, but when they do, the costs eat into your rewards. For a no-annual-fee card, try a product like Capital One® Spark® Classic for Business or The Kabbage Card.
  • Employee cards. Some providers charge for each authorized user to your account. This might not be a big deal if you run a small operation, but the costs can add up if you have a large team.
  • Rewards. If your business spends heavily in specific categories, consider a card that offers bonus rewards for those categories. Otherwise, you might get more out of a card that offers the same rewards rate on every purchase.
  • APR. Consider how long you might keep a balance on your card. If you pay off your debt quickly, a high APR might not impact your business too much. But if you want to keep a balance over a long period, consider avoiding cards with high APRs. Also, you consider looking for alternative business funding options with lower interest rates.

Bottom line

It can be tricky getting a business card if you have bad credit. Luckily, there are easy-to-get credit card options. This includes unsecured and secured cards.

But if you’re not sure one of the products above is right for you, consider other business secured credit cards.

Frequently asked questions

What’s the difference between a personal and business credit card?
Personal and business credit cards typically have different rewards structures. For example, a personal card might offer bonus points for dining or groceries, while a business card might offer bonus points for office supplies or online advertising.

Business cards usually have higher credit limits, and their payment activity is usually only reported to business credit bureaus. Some providers may report payment activity to both consumer and business bureaus.

How do I build business credit starting from zero?
Look for vendors who will extend credit to your business and report your payment activity to business credit bureaus. As you consistently make on-time payments with them, you’ll see your business credit score increase. You might also want to compare business cards for no credit.

How do I build my personal credit score?
Consider getting one of the best secured credit cards. It’ll likely come with more lenient approval requirements, and can help you increase your credit score as you make consistent payments.

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