{"id":257750,"date":"2019-10-24T13:53:25","date_gmt":"2019-10-24T12:53:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=257750"},"modified":"2026-01-29T02:48:14","modified_gmt":"2026-01-29T02:48:14","slug":"business-credit-cards-for-bad-credit","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-credit-cards-for-bad-credit","title":{"rendered":"Best business credit cards for bad credit"},"content":{"rendered":"<div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Can I get a business credit card with bad credit?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes, it\u2019s still possible to get a business credit card if you have bad credit, but you may find your options are more limited compared to someone with good credit. This can mean that some card issuers won\u2019t be willing to offer you their cards, while those that do might give you a higher interest rate than the advertised representative APR and\/or a lower starting credit limit.<\/p><\/div><\/div><\/div><h3><em>Should<\/em> I get a business credit card with bad credit?<\/h3><p>Business credit cards can be extremely useful tools for business owners looking to better manage their finances.<\/p><p>Used carefully, a credit card can be the cheapest way to borrow money over short periods. Like consumer cards, business credit cards typically give you \u201cup to 56 days\u201d interest-free on your purchases, provided you clear your balance in full each month. So if you buy something on the first day of the month, get your statement and bill at the end of the month, then clear your balance on the due date a couple of weeks later, you\u2019ve effectively borrowed money from your card issuer for as much as eight weeks without paying a penny in interest.<\/p><p>As long as a business credit card is used sensibly and repayments are made on time, they can also help your business to turn its credit score around, which could give you access to better deals in the future.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h4>Some potential upsides<\/h4><ul class=\"list-4\"><li>Interest-free periods on purchases give you the flexibility to handle an unpredictable cash flow \u2013 incredibly useful if you don\u2019t know exactly when your invoices will be paid.<\/li><li>Credit cards can help you track and manage business and employee expenses \u2013 you can see where your staff are spending money and even set individual credit limits.<\/li><li>By making your credit card repayments on time you can improve your business\u2019s credit score, making it easier (and cheaper) to borrow money in the future.<\/li><li>Cash in on cashback (or air miles, or reward points): why not reap the benefits of money you\u2019re spending anyway? <\/li><li>Some business credit cards offer <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-credit-cards-no-foreign-transaction-fees\">commission-free currency conversion<\/a>: great if your business involves travel, or if you have to make purchases in other currencies for any reason.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h4>Some potential downsides<\/h4><ul class=\"list-13\"><li>If you only repay the minimum amount each month, credit cards can be a very expensive way to borrow. Your interest rate will almost certainly be tailored to you and your company, so if you have bad credit, you\u2019re likely to pay a higher rate than the bank advertises.<\/li><li>If you miss payments or go over your limit, you could damage your credit score further.<\/li><li>If your business has poor credit, you might not be able to borrow as much as you could through some other routes, such as asset finance. That\u2019s because credit cards are typically not secured by assets or invoices (although you may still have to provide a personal guarantee \u2013 see <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-credit-cards-without-personal-guarantee\">Business credit cards without a personal guarantee<\/a> for cards that don\u2019t require this).<\/li><li>The open-ended nature of credit cards, compared to loans which have a fixed end point, can create a temptation to spend when you otherwise would not.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h4>\u201cRepresentative APR\u201d vs personalised APR with bad credit<\/h4><p>Card issuers only have to award their advertised \u201crepresentative APR\u201d to 51% of those who take out the credit card \u2013 the other 49% could be offered a different (higher) rate, especially if they have poor credit. Here\u2019s an example of a fairly standard representative APR vs a higher, tailored APR that a bank might offer to a company\/individual with a low credit score.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><h5>Representative APR and typical credit limit<\/h5><ul><li>Credit card limit: \u00a325,000<\/li><li>Outstanding balance: \u00a33,000<\/li><li>Interest rate: 21.9%<\/li><li>Borrowing \u00a33,000 and repaying over 6 months would cost <strong>\u00a3532 each month<\/strong> and <strong>\u00a33,195 overall<\/strong>.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><h5>Tailored APR and credit limit<\/h5><ul><li>Credit card limit: \u00a310,000<\/li><li>Outstanding balance: \u00a33,000<\/li><li>Interest rate: 34.9%<\/li><li>Borrowing \u00a33,000 and repaying over 6 months would cost <strong>\u00a3552 each month<\/strong> and <strong>\u00a33,313 overall<\/strong>.<\/li><\/ul><\/div><\/div><p>However, if you pay your balance off in full each month, you\u2019ll usually pay no interest at all \u2013 regardless of your credit rating.<\/p><\/div><\/article><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Will my personal credit score be checked for a business credit card?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Potentially, yes. If you\u2019re a sole trader, lenders will look at your personal credit score to determine your creditworthiness before deciding whether to let you borrow. That\u2019s because you and your business are one and the same. <\/p><p>However, if you\u2019ve set up a limited company, this is a separate legal entity, and you will have both a <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/business-credit-score\">business credit score<\/a> and a <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">personal one<\/a>. These are completely separate but work in a similar way. If you\u2019re applying for a business credit card, lenders will use your business credit score to determine whether they are happy to let you borrow \u2013 just as your personal credit score would be used if you were applying for consumer credit.<\/p><p>Your business credit score can affect the amount of interest you pay, how much you can borrow and whether you\u2019ll get accepted for credit at all. The higher your score, the more likely you are to get accepted, the more you\u2019ll be able to borrow and the better the rate of interest you\u2019ll be offered.<\/p><p>In some cases, lenders will look at both your business credit score and your personal one to establish your creditworthiness. This will often be the case if your business is new and has yet to build up its own credit rating. Lenders may also want to see your estimated turnover, along with copies of bank statements and business plans before agreeing to let you borrow.<\/p><p>Note that if your company has multiple directors, any one of them could potentially affect your company\u2019s ability to get credit. So it\u2019s worth every director checking that their credit score is up to scratch before applying.<\/p><p>If your company is accepted for a business credit card, making your repayments on time and staying within your credit limit can help your business to boost its credit rating. This could give you access to better deals in the future.<\/p><\/div><\/div><\/div><p><img decoding=\"async\" class=\"luna-image aligncenter has-margin-top-large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/03\/SMECreditCardApprovalIllo_Finder_632x380.png\" alt=\"Image of cashier and woman with caption 79% of SMEs in the UK are approved for the credit cards they apply for.\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/03\/SMECreditCardApprovalIllo_Finder_632x380.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/03\/SMECreditCardApprovalIllo_Finder_632x380.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/03\/SMECreditCardApprovalIllo_Finder_632x380.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2021\/03\/SMECreditCardApprovalIllo_Finder_632x380.png?fit=632 632w\" sizes=\"(max-width: 632px) 100vw, 632px\" loading=\"lazy\"><\/p><h3>Bad credit vs limited credit<\/h3><p>Although both can affect your business\u2019s ability to get accepted for credit, there is an important distinction between bad credit and limited credit.<\/p><p>If your business is just starting out and you\u2019ve never borrowed before, your business is unlikely to have much of a credit history. This limited credit can make it difficult for lenders to assess your company\u2019s creditworthiness, which is why they may turn to your personal credit history instead. You can check out <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/best-business-credit-cards-for-startups\">business credit cards for startups<\/a> in our comprehensive guide.<\/p><p>In comparison, if your business has bad credit, this means it does have a credit history but that mistakes have been made. Bad credit could be caused by failing to pay bills and invoices on time, missing credit repayments, failing to file business accounts on time or exceeding overdraft or credit card limits. <\/p><p>Bad credit can make it much harder to get accepted for credit again in the future, and it can be worth taking steps to improve your business credit score before making further applications for credit.<\/p><h3>How do I apply for a business credit card?<\/h3><p>You can shop around for a business credit card in the same way as a personal credit card. To do this, you\u2019ll need to compare factors such as:<\/p><ul><li>Interest rates<\/li><li>Fees<\/li><li>Rewards and benefits<\/li><li>Credit limits<\/li><li>Whether you can have additional cards for employees <\/li><li>Budgeting and accounting features<\/li><li>Basic eligibility criteria<\/li><\/ul><p>Unfortunately, while many lenders offer eligibility checkers for personal credit cards, they are far less common for business credit cards.<\/p><p>No credit cards offer a 100% guarantee you\u2019ll be accepted, but eligibility checkers show you which credit cards you\u2019re most likely to get accepted for without affecting your credit score. This is because they involve a \u201csoft\u201d search of your credit file. A soft search is different to a full application for credit \u2013 where lenders will run a full, \u201chard\u201d search of your credit file.<\/p><p>You can usually <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/how-to-get-a-business-credit-card\">apply for business credit cards<\/a> online, by phone or, in some cases, in branch.<\/p><h3>Eligibility requirements<\/h3><p>As well as a good credit score, many business credit cards will require a minimum annual turnover and a minimum trading history. You may also need to already have a business bank account with that particular provider. <\/p><p>Some business credit cards will also only be available to those who have no bankruptcies or County Court Judgments. And some card issuers will only offer credit cards to limited companies rather than sole traders.  <\/p><h3>What is a personal guarantee?<\/h3><p>If you\u2019re a small business with very limited trading history or credit history, some credit cards will require you to sign a personal guarantee before you can qualify for the card. <\/p><p>This means that you agree to be personally responsible for any debt you accumulate on your business credit card. Personal guarantees are less than ideal \u2013 as a rule of thumb you shouldn\u2019t mix up your personal and business finances. However, in some cases they are a necessary evil.<\/p><p>A personal guarantee won\u2019t usually appear on your credit file and won\u2019t impact your credit score, provided you use the card responsibly. <\/p><h3>How do I get a business credit card if I have bad credit?<\/h3><p>There are a number of things you can do to improve your chances of getting approved with poor credit:<\/p><ol><li><strong>Don\u2019t apply for many credit cards at the same time.<\/strong> This is only likely to damage your credit score further. Only apply for one credit card that you\u2019re confident you will get accepted for. If you\u2019re refused, give yourself a few months before trying again. Most \u201chard\u201d credit checks, like the ones that are carried out when you apply for a credit card, stay on your credit report for 12 months.<\/li><li><strong>Work on improving your credit score.<\/strong> Take steps to improve both your personal and your business credit score. This is easier said than done, but there are a few simple things that can help, from paying bills and invoices on time to asking your suppliers to share payment data with the credit reference agencies. You can learn more on your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/business-credit-score\">business credit score<\/a> and on your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">personal credit score<\/a> in our comprehensive guides.<\/li><li><strong>Consider a card with a personal guarantee.<\/strong> It can be worth doing this for a short time and then switching to a business credit card that doesn\u2019t require a personal guarantee once your business credit score has improved.<\/li><li><strong>Consider a credit builder credit card.<\/strong> Some business credit cards are designed specifically for those looking to build their credit score. However, credit limits tend to be low and interest rates high, so it\u2019s important to clear your balance in full every month. When used responsibly, a bad credit credit card can help your business to improve its credit score and get accepted for better deals in the future.<\/li><\/ol><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are the alternatives to business credit cards for bad credit?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you can\u2019t find a credit card that works for your business, you can consider other <a href=\"https:\/\/www.finder.com\/uk\/business-loans\">business finance options<\/a>. Secured forms of finance (such as <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/invoice-financing\">invoice finance<\/a>) are more likely to be available to people with bad credit because the risk is lower for lenders. Have a look at <a href=\"https:\/\/www.finder.com\/uk\/business-loans\/merchant-cash-advance\">business cash advances<\/a> too.<\/p><p>If you want the convenience of a business credit card, <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-charge-cards\">charge cards<\/a> are quite common and can be a great solution. They\u2019re similar to credit cards, but you\u2019re not allowed to carry a balance on them \u2013 you always have to pay your monthly bill in full. However, you will still need to pass a credit check to apply for one, since you\u2019re still borrowing money for the length of the billing cycle.<\/p><\/div><\/div><\/div><\/div><h3>Bottom line<\/h3><p>If your business has a poor credit history, it\u2019s important to improve it before applying for a business credit card \u2013 but you should be mindful of your credit score when you start applying, too. Always check eligibility criteria carefully to prevent rejections that could damage your credit score. And once you\u2019ve been accepted for a card, always make your repayments on time and stay within your credit limit. Using your credit card responsibly will help you maintain your business credit score and improve it over time.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What's the difference between a personal and a business credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">In principle, they are very similar and they work in the same way. However, your business credit card will belong to your business and you\u2019re only supposed to use it for business purposes. Some features may also be different, for example, business credit cards tend to offer <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-credit-cards-with-high-limits\">higher credit limits<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What credit score do I need to get a business credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There\u2019s no set credit score needed to apply for a business credit card. Each lender uses different criteria to assess your application and eligibility. However, the higher your credit score, the better your chances of getting accepted for the best deals. If you have a low credit score, you could still get a business credit card but interest rates will likely be higher.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What should I consider when comparing business credit cards for bad credit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">When comparing business credit cards, you should look at the interest rate charged, any fees, whether you can get cards for other members of staff, and how much your credit limit is likely to be. Also check the eligibility criteria as there\u2019s no point applying for a card you won\u2019t get.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Compare business credit cards and learn how to apply for one if your business credit score isn&#8217;t great with our step-by-step guide.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Bad credit Credit Cards","_yoast_wpseo_title":"%%title%% %%page%% | Compare now","_yoast_wpseo_metadesc":"Compare business credit cards and learn how to apply for one if your business credit score isn't great with our step-by-step 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12:49:36\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated parts of this article and added some FAQs.\"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2296],"tags":[50939],"asset_tag":[],"class_list":["post-257750","post","type-post","status-publish","format-standard","hentry","category-business-credit-cards","tag-uk-money-email"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best business credit cards for bad credit | Compare now<\/title>\n<meta name=\"description\" content=\"Compare business credit cards and learn how to apply for one if your business credit score isn&#039;t great with our step-by-step guide.\" \/>\n<meta name=\"robots\" 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