Only a few secured business credit cards are available to new applicants. But that doesn’t mean small business owners with bad credit have to settle for such limited options. If inexpensive credit improvement is your top priority, you should definitely consider secured cards branded for personal use. Using a personal card never increases your individual liability, and that’s especially true when you can’t spend more than your security deposit.
So our editors compared both kinds of offers to identify the best secured credit cards for small business owners of all types. You can find their selections listed by main feature below.
2017’s Best Secured Business Credit Cards
| Best For… | Card Name | One-Time Fee | Annual Fee | Minimum Deposit | Editors’ Rating |
| Business Features | Wells Fargo® Business Secured Credit Card | $0 | $25 | $500 | 3.0 Stars |
| Rewards | BBVA Compass Business Secured Credit Card | $0 | $0 the first year ($40 thereafter) | $500 | 3.8 Stars |
| International Travel | Capital One® Secured Mastercard® | $0 | $0 | $49, $99 or $200 | 5 Stars |
| Recent Bankruptcy | OpenSky℠ Secured Visa® Credit Card | $0 | $35 | $200 | 4.0 Stars |
Your goal in finding a secured business credit card, other than minimizing refundable fees, should be to graduate to a higher credit tier and a better offer as quickly as possible. To do that, you must use your card responsibly – by making on-time payments and keeping your credit utilization low – and keep tabs on your credit score.
