Compare business credit cards for fair credit |
business credit cards for fair credit featured image

Compare business credit cards for fair credit

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Capital One offers a good product. Plus, you can consider alternative business funding.

You may have had little luck getting a business card if you have fair credit. However, that doesn’t mean you’re out of options. Check out our recommendation for the best fair-credit business card, and consider other types of business funding.

Best business credit card for fair credit

It’s not easy getting a business card with fair credit. However, you’re not out of luck. Capital One offers a good option, and you might consider alternative funding.

Jump to …

Best business credit card for fair credit: Spark® Classic for Business

Spark® Classic for Business

Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.

Providers prefer customers with good to excellent credit scores. That said, you may have difficulty getting a business card if your credit is average.

The Spark® Classic for Business might offer an opportunity. It’s the rare business card that’s specifically aimed at business owners with average credit. And it comes with the added bonus of cashback rewards.

What to do if the Spark® Classic for Business isn’t an option

If you’re not approved for the Spark® Classic for Business, you may want to raise your personal credit score before applying for another business card.

One of the best ways to do this is by getting a secured credit card. Because it requires an upfront security deposit, more providers are willing to approve those with less than perfect credit. By keeping balances low and consistently making on-time payments, you can steadily improve your credit. With your credit score boosted, you’ll likely have more success when applying for a business card.

If you need immediate funding, consider a small business loan. There will likely be business-specific requirements to get one, but some providers won’t disqualify you because of your personal credit.
Compare business cards for bad credit

How to determine if a business credit card for fair credit is right for you

  • Credit limit. Some business owners have reported getting low credit limits for fair-credit business cards. Providers try to limit their risk, and setting low limits is one way they do so. Anticipate how much your business might spend in the near future and consider whether a business card will help you with all of your expenses.
  • Annual fee. When finances are tight, you might not want to pay an annual fee. Consider how much a card costs before applying.
  • APR. Fair-credit business cards often have very high interest rates because providers want to make sure they’re getting a return on their risk. Check a card’s APR before making a balance transfer or maintaining balances long term.
  • Compare business balance transfer credit cards

  • Other options. Don’t settle on a fair-credit business card just because you think there are no other options. Research other avenues of funding before applying.

Compare business credit cards

Updated February 22nd, 2019
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
18.24% to 23.24% variable


80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)


The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
$0 annual fee for the first year ($99 thereafter)
17.99% to 25.99% variable


70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)


Earn 50,000 points after spending $10,000 in the first 3 months. Plus earn 25,000 bonus points after spending an additional $10,000 in the same timeframe.

Compare up to 4 providers

Bottom line

It’s more difficult to get a business credit card if you have average credit. However, there’s a card that may fit: the Spark® Classic for Business. If you’re not sure that’s right for you, check other business financing options before applying.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site