Business Credit Cards for Bad Credit
WalletHub makes it easy to find the best business credit card for bad credit.
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Best Business Credit Cards for Bad Credit of 2021:
- Wells Fargo Business Secured Credit Card - Business Features
- BBVA Compass Business Secured Credit Card - Business Rewards Visa
- Credit One Bank® Visa® Credit Card - Unsecured Offer for Business
- OpenSky® Secured Visa® Credit Card - High Approval Odds for Business Owners
- Discover it® Secured - Low Fees
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Credit One Bank® Visa® Credit Card Credit One Bank® Visa® Credit Card

- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone, internet, cable and satellite TV services. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Accounts are automatically reviewed for credit line increase opportunities
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Enjoy peace of mind with $0 Fraud Liability
- See More Details & Reviews About TheCredit One Bank® Visa® Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card First Progress Platinum Select Mastercard® Secured Credit Card

- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
- Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit Card
Metro Credit Union Visa® Secured Business Card Metro Credit Union Visa® Secured Business Card

- Funds are guaranteed by a Metro savings account
- Credit lines from $1,000 to $25,000
- See More Details & Reviews About TheMetro Credit Union Visa® Secured Business Card
Wells Fargo Business Secured Credit Card Wells Fargo Business Secured Credit Card

- Earn 1.5% cash back for every $1 spent on net purchases. Enrollment in the cash back rewards program is required.
- Collect your cash back automatically as a credit to your account or to your eligible checking or savings account each quarter.
- $500 to $25,000 credit line based on the amount you deposit. Up to 10 cards can be issued with no additional fee.
- The Bank may hold collateral for up to 30 days following account closure in order to cover transactions that may be posted to the credit card account after it is closed.
- Your account will periodically be reviewed for an opportunity to upgrade to an unsecured business credit card.
- Manage spending, payments, and transfers online with Wells Fargo Business Online®.
- Manage your expenses using the Business Spending Report.
- Keep your business protected with Zero Liability Program, Rapid Alerts, Fraud monitoring and Purchase Assurance®.
- See More Details & Reviews About TheWells Fargo Business Secured Credit Card
BBVA Compass Business Secured Credit Card BBVA Compass Business Secured Credit Card

- Earn 3x points at office supply stores and 2x points at gas stations and restaurants.
- Earn 1 point for every $1 in purchases.
- Redemption options – Redeem for cash back, account credits, gift cards and travel options.
- Before applying for the Business Secured Credit Card, you must open a Secured Credit Card Savings Account. The minimum opening deposit is $500. You can make deposits at any time in $100 increments
- Your available credit will be 90% of your savings account balance. You can add funds to your account to increase your credit limit.
- Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
- Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.
- Enroll your Visa® Business Rewards Credit Card with Visa SavingsEdge and shop at participating merchants to save up to 15%.
- Card only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico.
- See More Details & Reviews About TheBBVA Compass Business Secured Credit Card
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2021's Best Business Credit Cards for Bad Credit

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, some of the rest of the best credit cards for business owners with bad credit include Discover it® Secured (best bad-credit rewards) and the OpenSky® Secured Visa® Credit Card (no credit check when you apply).
To make these picks, WalletHub’s editors compared all the offers for business owners and bad credit in our database of 1,000+ credit cards. You can learn more about their favorite business credit cards for bad credit below.
Best Business Credit Cards for Bad Credit of 2021 Compared
Credit Card | Annual Fee | Min. Deposit | Best For |
Wells Fargo Business Secured Credit Card | $0 | $500 | Business Features |
BBVA Compass Business Secured Credit Card | $0 1st yr, $40 after | $500 | Business Rewards |
OpenSky® Secured Visa® Credit Card | $35 | $200 | Recent Bankruptcy |
Discover it® Secured | $0 | $200 | Rewards |
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.
Questions & Answers
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Ask the Experts
- What funding options besides a credit card are available to small business owners who have bad credit?
- What are bad-credit business credit cards good for?
- Is it better for a small business owner with bad credit to use a business credit card or a personal credit card?
- Will credit be more or less available to small business owners with bad credit 12 months from now?
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Brent Goldfarb
Associate Professor of Management and Entrepreneurship in the Robert H. Smith School of Business at University of Maryland
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Alejandro Amezcua
Assistant Professor of Entrepreneurship in the Martin J. Whitman School of Management at Syracuse University
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Luke Pittaway
Chair of the Department of Management and Copeland Professor of Entrepreneurship in the College of Business at Ohio University
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Monika Hudson
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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Sonny S. Ariss
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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Kevin Ernst
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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.