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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, 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 (May 2022)
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OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- Reasonable $35 annual fee
- $200 minimum deposit
- 3% foreign transaction fee
- No credit check to apply and find out instantly if you are approved.
- OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
- Get considered for a credit line increase after 6 months, with no additional deposit required
- You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
- Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
- Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
- Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- * View the cardholder agreement
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card

- Low regular APR
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
Credit One Bank® Platinum Visa® for Rebuilding Credit Credit One Bank® Platinum Visa® for Rebuilding Credit

- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- 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
- See if you Pre-Qualify without harming your credit score
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Looking to rebuild credit? We report to the major credit bureaus monthly
- View your free online access to your Experian credit score, terms apply
- This unsecured card requires no deposit and can help build your credit
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
- See More Details & Reviews About TheCredit One Bank® Platinum Visa® for Rebuilding Credit
First Progress Platinum Select Mastercard® Secured Credit Card First Progress Platinum Select Mastercard® Secured Credit Card

- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- 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; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- 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; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit 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.
- No membership fees
- No foreign fee
- Qualify with bad credit
- No rewards bonus
- Requires security deposit
- $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
Business Advantage Unlimited Cash Rewards Secured credit card Business Advantage Unlimited Cash Rewards Secured credit card

- Earn unlimited 1.5% cash back on all purchases, everywhere, every time.
- No annual cap and cash rewards don't expire.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America checking or savings account, as a card statement credit or as a check mailed to you.
- No membership fees
- Qualify with bad credit
- No rewards bonus
- Balance transfer fee
- High Regular APR
- Foreign fee
- Open your account with a security deposit (minimum $1,000). Upon approval your credit line will be equal to your deposit account.
- Your account will periodically be review and if your overall credit history improves, you could transition to an unsecured card. Not all customers will qualify.
- Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
- See More Details & Reviews About TheBusiness Advantage Unlimited Cash Rewards Secured credit card
First National Bank of Omaha Business Edition® Secured® Visa Card First National Bank of Omaha Business Edition® Secured® Visa Card

- Qualify with bad credit
- Membership fees
- No rewards
- No rewards bonus
- Balance transfer fee
- Request your own credit limit between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
- Security deposit is 110% of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
- Earn interest on your security deposit.
- Automatic Discounts with Visa SavingsEdge®.
- Track expenses, monitor spending, spot tax deductions, prepare tax filings and forecast expenses with ease.
- See More Details & Reviews About TheFirst National Bank of Omaha Business Edition® Secured® Visa Card
Best Business Credit Cards for Bad Credit in 2022
Wells Fargo Business Secured Credit Card
The best business credit card for bad credit is the Wells Fargo Business Secured Credit Card because it has a $0 annual fee and rewards cardholders with 1.5% cash back in purchases, which is well above average. The Wells Fargo Business Secured Card’s APR also is better than average for a secured credit card.
First National Bank of Omaha Business Edition® Secured® Visa Card
The First National Bank of Omaha Business Edition® Secured® Visa 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 card has a $39 annual fee and requires a deposit of at least $2200. This deposit will earn interest at an APY of 0.05%.
Credit One Bank® Platinum Visa® for Rebuilding Credit
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. Although there are no monthly fees or one-time fees charged prior to account opening, you will have to pay an annual fee of $75 the first year and $99 after that.
Secured Sable ONE Credit Card
The Secured Sable ONE Credit Card is a good credit card for business owners with bad credit because it has a $0 annual fee and there’s no credit check when you apply. Plus, you’ll earn 1 - 2% cash back on purchases, and everything you earn the first year will get doubled. 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.
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 the OpenSky® Secured Visa® Credit Card.
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 Comparison
Credit Card | Best For | Annual Fee | Min. Deposit |
Wells Fargo Business Secured Credit Card | No Annual Fee | $0 | $500 |
First National Bank of Omaha Business Edition® Secured® Visa Card | Interest-Bearing Deposit | $39 | $2200 |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured Offer | $75 intro 1st yr, $99 after | N/A |
Secured Sable ONE Credit Card | High Approval Odds for Business Owners | $0 | $10 |
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.
Methodology for Selecting 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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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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