Paul Kessler, CFP
@bikercarder
Business credit card credit score requirements vary by issuer and by card. The top business credit cards usually require good credit or better, but there are still options for small business owners with fair credit or bad credit. By the way, it’s your personal credit rating that really matters, even though you’re applying for a business credit card.
That means you need a credit score of at least 700, personally, to get the best business credit cards in most cases. The higher your 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:
Excellent Credit: Chase Ink Business Preferred&Business Platinum Card from American Express
Good Credit: Chase Ink Business Cash&Capital One Spark Cash for Business
Fair Credit: Capital One Spark Classic for Business
Bad Credit: Wells Fargo Business Secured Credit Card
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 are more likely to have to choose between low fees and other perks.
If you’re wondering why credit card companies rely on personal credit to evaluate business credit card applications, a lot has to do with personal credit histories usually being longer than the business version. Since they’re longer, 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.

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