Best Business Credit Cards for Fair Credit

The best business credit card for fair credit is Capital One Spark Classic for Business because it has a $0 annual fee and gives 1% cash back on all purchases. Even small business owners with limited credit history can get Capital One Spark Classic, so applicants with fair/average credit should have solid approval odds. That is especially true if your score is closer to good credit (700-749) than bad credit (below 640).

More generally, the best business credit cards for average credit aren’t always branded specifically for business use. Not all of them can be used to make purchases everywhere, either. Rather, the best offers for small business owners with credit scores between 640 and 699 are those offering reasonable odds of approval, annual fees that are as close to $0 as possible, and maybe even some modest rewards. Your top priority should be improving your credit standing at the lowest possible cost in order to qualify for one of the market’s best overall business credit cards sooner.

So our editors analyzed hundreds of credit card offers for people with fair credit, including personal cards and store-specific offers, in search of the top credit card deals for small business owners with fair credit scores.
 

Best Business Credit Cards for Fair Credit Comparison

  *Note: While this card is not a business card, business owners with fair credit are encouraged to also consider personal credit cards, given that they will be personally liable with either type of card.

In choosing an offer, remember that we recommend business-branded credit cards only for everyday purchases that you can pay in full within a single billing period. Personal cards are much better equipped to meet small business financing needs given their superior user protections. In short, they’ll protect you from the arbitrary interest-rate increases that are unfortunately possible with business cards.
 

Methodology for Selecting the Best Business Credit Cards for Fair Credit

 
To identify the best business credit cards for fair credit, WalletHub’s editors start by comparing the credit score requirements of all the business credit cards in our database of 1,500+ credit card offers. After excluding the cards for which applicants with fair credit are not eligible, we compare the remaining cards based on expected cardholder savings over two years of use. This ensures that both sign-up incentives and ongoing benefits are taken into account, and it allows us to ultimately select the best fair-credit business cards across the most popular usage categories. Given the small number of business credit cards available to people with fair credit, we also supplement our selections with stand-out consumer credit cards that provide competitive terms.

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