The best business credit cards for fair 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 620 and 659 are those offering reasonable odds of approval, annual fees that are as close to $0 as possible, and maybe even some modest rewards. After all, 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.
Our editors therefore analyzed roughly 200 credit cards for people with fair credit, including personal cards and store-specific offers, in search of the most generous deals. You can find their resulting picks for the best business credit cards for fair credit below.
2018’s Best Business Credit Cards for Fair Credit
|Card Name||Editors’ Rating||Annual Fee||Best Feature|
|Capital One® Spark® Classic for Business||3.5 / 5||$0||1% cash back on all purchases|
|Staples® Business Credit Card||4.6 / 5||None||5% back on all purchases|
|Amazon.com Store Card||5.0 / 5||$0||5% back on all purchases (Prime members)|
|Capital One® QuicksilverOne® Cash Rewards Credit Card||4.7 / 5||$39||1.5% cash back on all purchases|
|OpenSky® Secured Visa® Credit Card||4.0 / 5||$35||No credit check|
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.