What are the best unsecured business credit cards for bad credit?

The best unsecured business credit card for bad credit is the Ramp Corporate Card. It is available to people with bad credit, does not require a security deposit, and gives 1% - 1.5% cash back on purchases, determined by Ramp. Plus, very few unsecured business credit cards are available to applicants with bad credit.

In general, secured credit cards are the best option for most small business owners with bad credit. They’re easier to get because they require a security deposit to open the account. The deposit is fully refundable when you close the account in good standing. Secured cards also tend to have lower fees and better rewards than unsecured cards for bad credit.

Notable Secured Credit Cards for Business

For more options, check out our editors’ latest picks for the best business credit cards for bad credit.

The Capital One Spark Classic is your best shot, imo - no annual fee, 1% cash back, and they’ll approve scores in the 500s. It reports to both personal and business bureaus, so you’re rebuilding while spending. Just don’t expect a high limit right away.

If you've got bad credit but solid business revenue, check out the Revenued Business Card. There’s no personal credit check. They just want proof of income. It's not perfect (eg no rewards), but it beats secured options if you need spending power fast.