Can you get a secured credit card in a business's name?

Yes, you can get a secured credit card in a business’s name if you apply for a secured business credit card. To get a secured business card in your company’s name, you will need to provide some information showing that your business is legitimate and you are authorized to represent it, such as an EIN. This is in addition to the information you need to provide to get a personal credit card like an address and Social Security number.

Best Secured Business Credit Cards in 2026

• Minimum Deposit: $1000
• Rewards: 1.5% Cash Back
• Annual Fee: $0
• APR: 26.74% (V)

• Minimum Deposit: $2000
• Rewards: None
• Annual Fee: $39
• APR: 24.99% (V)

There are relatively limited options for secured business credit cards, but the process for getting one in your business’s name is generally the same regardless of which card you choose.

How to Get a Secured Credit Card in a Business’s Name

1. Compare offers and select a business secured card. To get the most out of a secured credit card, you will want to make sure it has benefits that will assist you and your business. This means focusing on cards with low costs and fees, solid business rewards, and the ability to build business credit. You should compare the terms of multiple credit cards online and check for pre-approved offers to get the best credit card deal possible.
2. Complete the application. Once you've selected the card you are interested in, fill out an application online or by going to the issuer's local branch. During this phase, you will include your business’s name as it should appear on the card and any supporting documentation the issuer requests. Also, bear in mind that major credit card issuers will still request your personal information for the application, and the card will ultimately have both your name and the name of your business on it.
3. Wait for issuer approval. The credit card issuer will typically approve or decline your application instantly, and because it is a secured card, your chances for approval are high even if you have bad credit. In the rare instance you don't get approved immediately, it could take 7-10 days to hear about your application. Make sure to call and follow up after that time if you haven't received word.
4. Pay your refundable deposit. If you are approved, you must pay your security deposit before you get the card. The credit card’s limit is determined by your deposit, but that doesn’t mean you should always pay a large sum. Make sure the amount you deposit gives you enough credit without being unmanageable.

When you’re considering which secured credit card you should apply for, it’s important to note that you don’t need to apply for a business card to use the card for business expenses. In fact, the only real downsides to using a personal card are that you may miss out on some business-specific rewards and the card would only be in your name.