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Best Business Credit Cards for Bad Credit
WalletHub makes it easy to find the best business credit card for bad credit.
The best business credit cards for bad credit help small business owners with credit scores below 640 save money while building credit. Very few business credit cards for bad credit are available at any given time, according to WalletHub’s analysis of the credit card market for the past 15 years, but there are personal credit cards for poor credit that business owners can consider as well... show more... show more
Best Business Credit Cards for Bad Credit (June 2023)
FILTER BUSINESS CREDIT CARDS FOR BAD CREDIT
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- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee

- Qualify with limited or no credit history
- 1% cash back on payments
- Membership fees
- Foreign fee
- Requires security deposit

- Qualify with limited or no credit history
- Relatively low security deposit
- 1% cash back on payments
- Membership fees
- High regular APR
- Foreign fee

- No membership fees
- Qualify with bad credit
- High regular APR
- Foreign fee
- Requires security deposit

- Qualify with bad credit
- Membership fees
- High regular APR
- Foreign fee
- Requires security deposit
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best business credit cards for bad credit.
Our picks for the best business credit cards for bad credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
Why We Like It: The Credit One Bank® Platinum Visa® for Rebuilding Credit is one of the best unsecured credit cards available to business owners with bad credit because it offers rewards and does not require a security deposit. The card offers a minimum credit limit of $300, and cardholders earn 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services. Plus, there are no monthly fees or one-time fees charged prior to account opening.
What We Don’t Like: You will have to pay an annual fee of $75 the first year and $99 after that.
Who Should Get It: Consider applying for the Credit One Bank® Platinum Visa® for Rebuilding Credit if you have bad credit but need to borrow a small amount of money for emergency expenses.
Alternatives to Consider: The Credit One Bank® NASCAR® Credit Card has similar terms.
OpenSky® Secured Visa® Credit Card
Why We Like It: The OpenSky® Secured Visa® Credit Card doesn’t do a credit check when you apply. Plus, you can be considered for a credit line increase after 6 months, with no additional deposit required.
What We Don’t Like: Your spending limit equals the amount of your refundable security deposit, and there is an annual fee of $35.
Who Should Get It: The OpenSky® Secured Visa® Credit Card is a good credit card for business owners with bad credit. There’s nothing wrong with using a general-consumer credit card for business, and using this card responsibly will put you in position to qualify for a better business credit card in the future.
Alternatives to Consider: The First Progress Platinum Elite Mastercard® Secured Credit Card won’t check your credit history when you apply, either.
First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card
Why We Like It: The First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card is one of the best business credit cards for bad credit because it’s fairly inexpensive and it pays interest on the amount you put down for your security deposit. The deposit will earn interest at an APY of 0.05%.
What We Don’t Like: The card has a $39 annual fee and requires a deposit of at least $2200.
Who Should Get It: Consider applying for the First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card if you’d rather earn interest on a big deposit than rewards on purchases.
Alternatives to Consider: The Business Advantage Unlimited Cash Rewards Secured credit card offers attractive rewards.
Business Advantage Unlimited Cash Rewards Secured credit card
Why We Like It: The Business Advantage Unlimited Cash Rewards Secured credit card is the best business credit card for bad credit because it has a $0 annual fee and rewards cardholders with 1.5% cash back on purchases, which is well above average.
What We Don’t Like: Cardholders are required to place a security deposit of at least $1000.
Who Should Get It: Consider applying for this card if you have bad credit personally and want to earn rewards at a competitive rate on all purchases.
Alternatives to Consider: The First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card is another good secured credit card for business.
But business owners should always consider both business and personal credit cards for company spending. Doing so increases your chances of finding the best possible deal without adding to your personal liability.
With that in mind, WalletHub’s editors compared all the offers for business owners and bad credit in our database of 1,500+ credit cards. You can learn more about the top credit cards for business with bad credit below.
Best Business Credit Cards for Bad Credit Comparison
Credit Card | Best For | Annual Fee | Min. Deposit |
Business Advantage Unlimited Cash Rewards Secured credit card | No Annual Fee | $0 | $1000 |
OpenSky® Secured Visa® Credit Card | High Approval Odds for Business Owners | $35 | $200 |
First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card | Interest-Bearing Deposit | $39 | $2200 |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured Offer | $75 intro 1st yr, $99 after | N/A |
For more tips on choosing and using a credit card for business, make sure to check out our Business & Corporate Credit Cards Guide. You can also get a sense for how small-business friendly each major credit card issuer is from our annual Business Credit Card Study.
How we picked the best business credit cards for bad credit
To identify the best credit cards for business owners with bad credit, WalletHub’s editors regularly compare more than 1,500 credit card offers. We first concentrate on cards branded for business use, excluding offers that applicants with credit scores below 640 can’t qualify for and then comparing the rest based on expected cardholder savings.
Given the limited options typically available among small business credit cards for bad credit, we also consider which general-purpose credit cards for people with bad credit might work for business owners. This process ultimately enables us to pick the best options in the most popular usage categories.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best bad credit credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Business Credit Cards for Bad Credit FAQ
Comparing business credit cards for bad credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Associate Professor of Management and Entrepreneurship in the Robert H. Smith School of Business at University of Maryland
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Assistant Professor of Entrepreneurship in the Martin J. Whitman School of Management at Syracuse University
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Chair of the Department of Management and Copeland Professor of Entrepreneurship in the College of Business at Ohio University
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Associate Professor and Director of the Gellert Family Business Resource Center in the School of Management at the University of San Francisco
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Professor and Chairman of the Department of Management and a Fellow of the Center for Technological Entrepreneurship and Innovation in the College of Business Administration at The University of Toledo
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Assistant Professor of Business Management and Director of Entrepreneurship in the College of Business at Ohio Northern University
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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