Business credit cards for no credit

Consider a secured business card or an alternative form of business funding.

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Typically, card providers want to see strong credit from their applicants. So if you have no credit or bad credit, you might wonder about your chances of approval.

Without a personal or business credit score, your best bet is likely a secured business card. You’ll need to put down a security deposit before you can open an account, but it may give your provider the confidence to extend credit to you.

Consider this business card for fair credit

Universal Premium Mastercard®

  • Accepted at nearly 160,000 fueling locations throughout the United States
  • Choose the most convenient and cost saving sites for your business
  • Prevent unwanted non-fuel spending by limiting purchases only to the pump
  • Open cards to make purchases at over 400,000 maintenance locations
  • Save up to 6¢ per gallon with volume rebates on purchases within the Retail Savings network
  • Save up to 15% on fuel management costs
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Compare business credit cards for low to fair credit

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
24.74% variable
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
16.9% variable
Earn 1.5% cash back on all purchases.
BBVA Compass Business Secured Visa Credit Card
BBVA Compass Business Secured Visa Credit Card
18.49% variable
$0 intro annual fee for the first year ($40 thereafter)
You pay no annual fee for the first year with BBVA Compass Secured Visa® Business Credit Card. After that, you pay a low fee of $40 per year.
Rates not disclosed on issuer's site
Enjoy both convenience and basic purchase control while managing your cash flow with flexible terms.

Compare up to 4 providers

Consider these business credit cards for no credit

If you don’t have a business credit score but you do have strong personal credit, you may qualify for a solid unsecured business card. When you apply, the provider will look at your personal credit.

Consider these cards if you have no business or personal credit, or if your personal credit isn’t where you want it to be.

Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card

  • Get this card if: You want rewards.

The Wells Fargo Business Secured Credit Card can help you build credit, and you can earn rewards while you spend.

  • Wells Fargo Business Card Rewards Program. When you open your card, you can enroll to earn cash back or points.
  • Cash back. If you choose the cashback program, you’ll earn 1.5% cash back on every purchase.
  • Points. If you choose the points program, you’ll earn 1x points on every purchase. Plus, you’ll earn a 10% bonus when you redeem points online.

BBVA Compass Business Secured Visa Credit Card

BBVA Compass Business Secured Visa Credit Card

  • Get this card if: You want an intro annual fee.

It’s difficult to find a secured business card with no annual fee, so you might like the next-best thing: No annual fee for the first year.

  • Annual fee waived the first year. You’ll pay a $40 annual fee starting the second year.
  • Rewards. Earn 3x points at office supply stores, 2x points at restaurants and gas stations and 1x points on all other purchases.
  • Employee cards. You won’t pay extra to get additional cards.

The Kabbage Card

The Kabbage Card

  • Get this card if: You’re willing to consider a line of credit.

This isn’t technically a credit card — it’s a line of credit. However, you can draw from your credit through The Kabbage Card.

  • Maximum credit line of $250,000. This is higher than the maximum credit lines of many secured business cards.
  • Flexibility. You don’t have to take the funds if Kabbage approves you. Also, you can use as much or as little of your credit line as you want.

How we chose our best cards

We chose cards that business owners could apply and be approved for without necessarily having strong personal credit scores. This largely meant secured credit cards, which include great options. The ones that made our list came with features that secured cards don’t typically offer, such as rewards or an intro APR.

For a line of credit, The Kabbage Card stood out because of its flexibility, allowing business owners to use only the credit they need.

What’s changed in 2019

It’s business as usual for these options in 2019. The BBVA Compass Business Secured Visa Credit Card still stand out with their rewards.

How to get a business credit card with no credit

If you’re worried you can’t get a business card with no or bad credit, first be clear on which type of credit you lack — personal or business credit.

No business credit score

You can likely still get an unsecured business credit card without a business credit score. A provider will look at your personal credit score when deciding whether or not to approve you.

No personal credit score

It’s more difficult to get an unsecured business card without a personal credit score or with bad credit. A provider might not check your personal credit if you have strong business credit.

If you don’t immediately need a business credit card, start building your personal credit with a credit-building card. Once you improve your personal credit score, you can apply for most business credit cards.

Business credit card options for no credit

But if you have neither personal nor business credit, consider these options:

  • Apply for a secured business card. You have much better odds of approval because you have to put down a security deposit.
  • Apply for a credit card for startups. Some credit cards require no personal guarantee and make no credit check. Instead, they look at your business finances and business potential before issuing a card.
  • Explore an option that doesn’t require a minimum credit score. Look into Kabbage loans, for example, as its minimum requirements revolve around your business revenue.
  • Get a business partner to apply for a credit card. Then, they can add you as an authorized user.

Can I get a business credit card without a Social Security number?

    It’s difficult to get a business card without a Social Security number, but it’s not impossible. Here’s how to do it:
  1. Get an ITIN — an Individual Taxpayer Identification Number.
  2. With your ITIN, you can get an EIN — an Employer Identification Number.
  3. Look for a business card you can apply for with your EIN instead of your Social Security number.

How to compare business credit cards for no credit

  • Look at what type of credit you’re missing.
    If you don’t have business credit, it might not be an issue as long as you have strong personal credit. If you have neither type of credit, consider building your personal credit first.
  • Annual fee.
    Secured business credit cards typically have annual fees between $30 and $50. You have more choices if you want a secured personal card with no annual fee.
  • Credit line.
    A secured business card will likely offer a much higher maximum deposit, and therefore a higher credit limit, than a secured personal card. With a line of credit, you may have an even higher credit limit.
  • Rewards.
    See if your business spends in a card’s bonus rewards categories. If your business spends relatively evenly across many categories, you might like a flat rate rewards card.
  • Employee cards.
    Some providers offer free employee cards, while others charge for them.

Bottom line

A lack of a personal credit score or a bad credit doesn’t have to hold you back from getting a business credit card — just understand your options will be limited at first. As you build credit, you’ll qualify for better business cards that offer rewards and intro APRs.

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