What credit score do you need for a business credit card?

You need a credit score of at least 700 to get one of the best business credit cards. Most premium business credit cards require you to have good or excellent credit to qualify for approval, though business owners with fair credit (640+ credit score), limited credit history, or poor credit can still find decent options. Essentially, business credit cards are available for all credit levels, but the best offers go to those with higher scores.

Note that in most cases your personal credit score will still be taken into account, even though you’re applying for a business credit card. The higher your personal score is, and the more income you have relative to your debt, the better your chances of approval will be.

Popular Business Credit Cards by Credit Score Requirement

In general, good-to-excellent credit gets you access to the biggest sign-up bonuses, the highest ongoing rewards rates, and lots of options with no annual fee. People with lower scores will most likely have to choose between low fees and other perks.

Most credit card companies rely on personal credit to evaluate business credit card applications because personal credit histories are usually longer. Therefore, they tend to be more predictive. Most credit card companies also consider a business owner’s personal finances to be intertwined with the business. That’s often true, since personal savings are the top source of start-up capital for new businesses.