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Best business credit cards for bad credit

Bad credit doesn't have to be a barrier to getting approved for a business credit card


Getting a business credit card with bad credit may be challenging but it’s not impossible. There are several business credit cards for bad credit you may qualify for.

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Getting a credit card can make it easier to charge things you need to keep your business running, with the option to pay them off over time. You might even be able to earn some valuable rewards in the process.

But what if you have bad credit or no credit at all?

The good news: You’re not shut out of getting approved for a business credit card. But you may need to spend some time researching credit card options to find one you can qualify for.

To make that easier, we’ve rounded up some of the best business credit cards for bad credit to consider now.

Capital One Spark Classic for Business: Best for average credit

Why we picked it: The Capital One® Spark® Classic for Business is designed for people who have fair credit scores and want to work their way up to the good or excellent credit score range. This card allows you to build credit while earning unlimited 1% cash back on purchases. There are no rewards tiers or rotating bonus categories to worry about and rewards don’t expire as long as your account is open and in good standing. In addition to unlimited cash back rewards, you’ll pay no annual fee, and you can take advantage of helpful features, such as year-end summaries and downloadable purchase records.


  • No annual fee
  • Can help build credit
  • No limit on cash you can earn, and it doesn’t expire


  • High APR
  • Can’t transfer rewards to other loyalty programs

Who should apply: If you’re a business owner with a less-than-stellar credit history looking for a card that will help you build credit, plus give you some rewards and extra perks, this might be a good fit.

Who should skip: If you typically transfer your rewards to other loyalty programs, another card could be a better choice for you.

Wells Fargo Business Secured: Best for bad credit

Why we picked it: The Wells Fargo Business Secured Card offers credit lines ranging from $500 up to $25,000 for business owners with limited or poor credit history. Once your account is approved, you can use your card to earn your choice of 1.5% cash back on eligible purchases or 1 point per $1 spent, with no annual fee. If you opt for points, you can earn 1,000 bonus points per billing cycle when you make $1,000 in purchases.

Since this is a secured credit card, you’ll need to offer a cash deposit to open an account. This deposit may be refundable, however, if you’re able to qualify for an unsecured Wells Fargo credit card through responsible use. You’ll need a Wells Fargo business checking or savings account to apply for this card. That’s because Wells Fargo uses funds from your account for your card’s security deposit.


  • No foreign transaction fees
  • No annual fee
  • $500 up to $25,000 credit line
  • 1.5 cash back option on purchases


  • High cash advance and transfer fees
  • No welcome bonus
  • Must have Wells Fargo business checking or savings account

Who should apply: This is likely a solid option for international business owners because it has no foreign transaction fees. In addition, it offers straightforward rewards program and big bank features like autopay and overdraft protection.

Who should skip: If you don’t want a Wells Fargo business checking or savings account, you should consider another choice.

Secured Sable One Credit Card: Best for no credit history

Why we picked it: The Secured Sable One Credit Card offers 2% cash back at select merchants (Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more) on up to $20,000 per year, then 1% unlimited cash back. You’ll also get perks like car rental coverage and cellphone insurance, which typically don’t come with secured cards. You don’t need a credit history or a credit check to apply – or even a Social Security number if you’re not a U.S. citizen. Bonus: In as few as four months you can graduate to an unsecured card.


  • Builds credit history fast
  • No annual fee
  • No minimum security deposit
  • No credit history required


  • No intro APR promotion

Who should apply: For business owners with limited or bad credit, this card might be a good one to consider since its credit requirements aren’t very strict.

Who should skip: If you’re looking for broad reward categories, the Sable Secured might not work for you.

Compare the best cards for businesses with bad credit

Here’s a comparison of the best business credit cards for bad credit:

Card nameRewards rateBest for
Capital One Spark Classic for Business
  • 1% cash back on all purchases
Business owners who need to rebuild credit history and prefer using a card that charges no annual fee
Wells Fargo Business Secured*
  • 1.5% cash back for every $1 spent
  • 1,000 bonus points every billing cycle when you spend at least $1,000 on qualifying purchases
Business owners who want to earn cash back rewards while building positive credit history
Secured Sable One Credit Card
  • 2% cash back on purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify and more
  • 1% cash back on all other purchases
  • Dollar-for-dollar match on all cash back at the end of your first year


Business owners who are interested in applying for a credit card without a credit check

How to choose a business card for bad credit

If you’re in the market for a business credit card and your credit isn’t good, there are a few things you need to look out for:

  • Consider a card that offers the best individual features that fit your company’s needs.
  • Choose a card with a deposit you can afford.
  • Look for a card with no or low annual fees (or other fees).
  • Make sure the card’s rewards program fits your spending.
  • Ensure the card reports to all three credit bureaus.

Should you get a business credit card for bad credit?

Opening a business credit card for bad credit could make sense for a few reasons. First, you might consider it if you want to keep business and personal spending separate.

While you could use a personal credit card to fund your business, that can get tricky when it comes to deducting expenses. If all of your personal and business spending is combined on the same card, that could complicate tax filing. So having two cards, one business and one personal, can solve that problem.

It could also benefit you to have a separate business credit card if you’re interested in earning rewards on purchases.

Business credit cards can reward you for the things you spend money on the most for your business while personal cards can reward you for everyday spending. If you’d like to earn cash back, miles or points on things like office supply store runs, business travel or dinners out with clients, a business credit card could be the better fit.

When weighing a business credit card for bad credit, read the fine print. Know what you’ll pay for the APR and fees as well as what rewards or benefits you’ll get. And consider how you can redeem any rewards you might be able to earn. That can help you decide if opening a business credit card is the right move and if so, which one to choose based on your spending habits.

Bottom line

Bad credit doesn’t have to prevent you from opening a business credit card account. The business credit cards we’ve included here are designed to offer the best combination of features and benefits, even if you have a poor credit score. Remember: When used responsibly, a business credit card could help you improve your score over time. That can make it easier to qualify for premium business cards which may offer better rewards or perks.

*All information about the Capital One Spark Classic for Business and Wells Fargo Business Secured has been collected independently and has not been reviewed or approved by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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