Compare business credit cards for fair credit | finder.com
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.

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.

Promoted
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.
  • 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 April 18th, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
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®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership.
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe.
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
2x points on purchases through Amex Travel and 1x points on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership.
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 100,000 bonus points after you use your new card to make $5,000 in purchases within the first 3 months of card membership.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder.com 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 finder.com 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