Top 7 Business Credit Cards for Bad Credit in 2025: Our Expert Rankings

Dealing with bad credit can feel overwhelming, and starting to build your credit from zero isn’t any easier. These challenges often discourage aspiring business owners from taking the plunge and launching their own ventures.

A credit score below 600 is generally viewed as poor, making it difficult for businesses to qualify for traditional credit cards when they need funding. Fortunately, there are business credit cards designed specifically for those with less-than-ideal credit. These cards provide an opportunity to access credit even with a bad score and gradually rebuild financial credibility.

Choosing the right business credit card for bad credit is crucial. This ensures you’ll make the most of your card, helping you focus on improving your credit score while managing your expenses effectively. In this article, I’ll highlight some of the top options available, giving you a clear idea of what’s on offer if you find yourself in this situation. So, let’s dive in.

Here are some of the best options to consider if your credit score is less than ideal.

The Brex credit card combines your financial tools into a single, easy-to-manage package. It offers a business account, credit card, and expense management software, all integrated seamlessly.

With Brex, you can send free ACH transfers and wires worldwide, increase your credit limits, earn cashback rewards, and monitor your expenses effortlessly. If managing multiple businesses, this card allows you to use the same account for all of them, simplifying your financial tracking. Since it has no fees or minimums, the Brex card is an excellent choice for those with poor credit looking to rebuild.

The Capital One Platinum Secured Credit Card is a good option if you’re concerned that your past credit history might hinder your ability to get approved for a business credit card. Its pre-approval process doesn’t impact your credit score, allowing you to check your chances first.

Capital One requires a refundable security deposit to set your credit limit—minimums start at $49, $99, or $200—making it suitable for those with bad or no credit history. Over time, responsible use can help you build or enhance your credit profile. This card is particularly beneficial for rebuilding credit gradually.

The First National Bank offers the Business Edition® Secured® Visa Card, which allows you to set your credit limit securely.

This card requires a refundable deposit, which determines your credit limit and can be withdrawn at any time if needed. Your credit limit can range from $2,000 up to $100,000, in increments of $50, pending approval. Additionally, you can earn interest on your security deposit and receive automatic discounts on certain purchases through their Visa SavingsEdge program.

Key features include free management reports to monitor your expenses and track your financial progress monthly. Fraud protection ensures your business remains protected from unauthorized activity. You can also access your account online anytime, anywhere, providing convenience and control. The card’s credit flow management feature offers flexibility for purchasing supplies, traveling, or investing in business equipment.

The Navy FCU nRewards® Secured Credit Card is a top choice for military personnel looking to build credit while earning rewards. This card allows you to accumulate points on every purchase, which can later be redeemed for cash. If you are establishing or rebuilding your credit, or just need a secured card, this option is ideal as it supports all these goals. The application process for prequalification is simple and won’t affect your credit score.

Benefits include no annual fees, making it suitable for long-term use. You earn one point per dollar spent, with no cap on rewards. The card also offers useful travel benefits such as rental car coverage, cell phone protection, and collision damage waivers for car rentals under fifteen days. These features make it a versatile choice for those wanting to earn perks while managing their credit.

Wells Fargo’s Business Secured Credit Card is an excellent way to start or rebuild your business credit, offering 1.5% cashback on qualifying purchases. If your credit history has been challenged by issues like bankruptcies or slow payments, this card provides an opportunity to establish a positive credit profile. Even businesses with past financial difficulties can benefit from this card’s features.

Main advantages include no foreign transaction fees, making it suitable for international business transactions. This card supports cash back rewards on eligible expenses, helping your business grow while earning rewards on everyday spending.

Discover it® Secured Credit Card offers no annual fee, helping you save money while building your credit score. This score is reported to Experian, TransUnion, and Equifax, giving you a clear view of your progress each month. A refundable security deposit starting at just $200 is required. After seven months of timely payments, you can get your deposit back and may even request a switch to a traditional unsecured card.

Avant Credit Card stands out for its simple, transparent fee structure, making it appealing if you want to avoid unexpected costs. The application process is quick and straightforward, allowing you to receive your card rapidly. You can manage your account online 24/7, making it easy to track your spending. The credit limit is set at $1000, ideal for those starting with a modest limit. Keep in mind that the annual fee may vary based on current offers available through different channels.

Other business credit cards worth considering include Mastercard Standard, CITI, American Express, and Capital One Spark Classic for Business.

Business credit cards designed for individuals with poor credit scores are tailored to help fund business expenses while offering a chance to rebuild credit. These cards typically have lower credit limits and easier approval criteria, making them accessible for those working to improve their financial standing. Using such cards allows you to keep your business and personal finances separate, which simplifies record-keeping and financial management. This separation can be especially helpful if you’re aiming to improve either personal or business credit scores. It’s important to avoid using personal cards for business expenses to prevent confusion and maintain clear financial records. When choosing a bad credit business card, consider factors like the APR, annual fees, and additional benefits to find the best fit for your needs.Now, let’s explore the key considerations when selecting a business credit card if you have bad credit.

Top Factors When Choosing a Business Credit Card

1. Annual Fees

One of the first things you should examine is whether the card charges an annual fee. These fees are often listed online, but sometimes you may need to contact the lender directly. If you opt for a card with an annual fee, make sure that the benefits outweigh the cost, especially if you’re aiming to rebuild your credit. Fortunately, there are many worthwhile options that don’t charge annual fees, making them accessible to everyone regardless of financial circumstances. Comparing cards with and without these fees will help you choose the best fit for your financial situation.

2. Annual Percentage Rate (APR)

The interest rate, or APR, is a crucial factor—especially if you might carry a balance. Look for an APR that fits within your budget, considering your current financial status. Since your credit score is poor, aim for the most affordable APR possible. Some cards may offer introductory 0% APR promotions for the first year, which can save you money on balance transfers or purchases, helping to reduce your overall debt. Keep in mind that these introductory rates are temporary and vary depending on the card issuer.

3. Rewards

Most cards designed for bad credit don’t include reward programs, as their primary purpose is to help improve your financial standing over time. However, some may offer cashback or other incentives that can save your business money long-term. Using an unsecured credit card instead of a secured one can be risky due to higher interest rates and fees, which might hinder your credit rebuilding efforts. Rewards programs vary by lender, and it’s important to stay within your budget and understand the available benefits before choosing a card. Those seeking small business credit cards or startup options might find rewards that make business expenses more manageable.

4. Balance Transfer Fees

If reducing existing debt is a goal, pay close attention to balance transfer fees. Some providers waive these fees if you transfer debt within a specified period. Others might offer better rates over the long term to help you save money. Carefully review these options to ensure you’re making financially smart decisions when transferring balances.

5. Secured vs. Unsecured Business Credit Cards

Deciding between secured and unsecured cards is an important step. Secured cards typically require a security deposit, which acts as collateral if payments are missed. Unsecured cards don’t need a deposit but often come with higher APRs and fees. Research and compare both options to find the best match for your credit and financial goals.

6. Credit Limit

The credit limit is another key consideration. It usually depends on your credit score and overall financial health. Responsible spending within your limit is essential because exceeding it can further harm your credit score. Ensure your spending remains affordable to keep your credit profile healthy.

7. Soft vs. Hard Credit Checks

When applying for a card, the lender may conduct a hard inquiry on your credit report, which can cause your credit score to dip temporarily. While scores often recover within a few months if payments are made on time, multiple hard inquiries can stack and lower your score. To avoid this, look for providers who perform only soft credit checks, which do not affect your credit score.

8. Duration of Account Holding

How long you keep your account open influences your credit profile positively. An account in good standing over an extended period demonstrates financial responsibility and helps boost your credit score. Maintaining long-term, responsible use of the card is beneficial.

9. Other Factors

Additional considerations include personal guarantees (sometimes required if your credit is poor), options for linking a savings account, billing cycle details, cash deposit requirements, restrictions on eligible purchases for rewards, minimum credit score for approval, debt-to-income ratio limits, and detailed terms and conditions. Understanding these aspects thoroughly is crucial before committing.

What is Needed to Open a Business Credit Card Account?

Most providers require basic criteria to be met prior to application. These include having an active business—such as an LLC, partnership, or corporation—and a personal credit score typically above 670. A personal guarantee is often necessary to support your application. You should also have at least two years of business history, demonstrate consistent payments, and provide your Social Security number. Using proper business accounting software to maintain accurate records can support your application process and improve your chances of approval.

When applying for a personal credit card, approval typically depends on your income and financial history. In contrast, business credit cards are designed for businesses of all sizes to help improve cash flow and better manage expenses. Regardless of the type, you’ll need to provide certain documents to verify your eligibility for opening these accounts.

An unsecured business credit card does not require a deposit at the time of application, so you can usually get the card quickly. A secured credit card, however, requires a security deposit that acts as collateral if you fail to make payments. Secured cards are especially useful for businesses with low credit scores, as they can help boost credit ratings over time while offering protection to lenders in case of default.

Yes, many providers are willing to issue business credit cards to companies with bad credit, though approval odds and terms will vary depending on your business type and existing debt. Bad credit doesn’t necessarily exclude you from having a business credit card, but it may affect the rates and rewards you can access. It’s advisable to compare various options to find the card that suits your needs best.

Most lenders prefer to extend credit to businesses with stable income and good personal credit histories. This increases the likelihood of approval, as applications may be rejected if these criteria aren’t met. To enhance your chances, maintain a strong credit score and ensure your business remains in good standing.

Having a business credit card offers multiple benefits, including:

The best approach is to consistently pay bills on time and keep your debt levels manageable. Increasing your credit limit can also improve your utilization ratio and overall credit profile. If needed, request a higher limit to better reflect your credit activity. Building a solid credit history for your business involves making regular, timely payments and working towards improving your business credit ratings to secure more favorable rates.

A strong business credit score enhances your ability to borrow and often results in better interest rates, saving you money. This advantage applies broadly, from financing large purchases like equipment or inventory to securing business loans. Lenders tend to view high-credit-score businesses as low-risk, making it easier for you to access credit when needed.

If your goal is to strengthen your small business’s cash flow despite having a low credit score, obtaining a business credit card from one of the recommended providers could be a good step. Below are some top options for those with less-than-stellar credit:

When choosing a credit card, consider these factors carefully. The right choice can help improve your financial health and ensure your business always has the funds it needs.

What do you think about applying for a business credit card with bad credit? Feel free to share your thoughts in the comments below!

Additional resources on StepThroughThePortal.com: Interested in specific business loans? Check out my guide on the best commercial real estate loans and rates for 2025. Once your business is established, you might also consider investing. For example, explore peer-to-peer lending platforms for investors that allow you to start investing with small capital and potentially earn returns.