Best Business Credit Cards for Bad Credit of October 2021

Ryan LaneMay 4, 2021

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If you need a business credit card but have bad credit, a secured card will likely be the best choice. Secured credit cards typically lack the lucrative welcome bonuses or rewards of the best small-business credit cards. But they can offer quick access to financing, help you establish business credit and keep your business and personal spending separate.

A business credit card won’t fix your personal credit. Most business credit card issuers don’t report positive behavior to consumer credit bureaus. If poor or thin credit is holding your business back, look for ways to rebuild or build your score so you can qualify for better options in the future.

Some of our selections for the best business credit cards for bad credit can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks and information about alternatives for business owners with bad credit.

NerdWallet's Best Business Credit Cards for Bad Credit of October 2021

  • Brex Card: Best for Businesses with strong financials

Best Business Credit Cards for Bad Credit From Our Partners

Our pick for

Businesses with strong financials

Apply now

on Brex's website

Brex Card


NerdWallet rating 
Apply now

on Brex's website

Annual fee


Intro APR


Regular APR


Recommended Credit Score


  • No annual fee

  • New cardholder bonus offer

  • Qualify with limited/bad credit

  • Bonus categories

  • No foreign transaction fees

  • No personal guarantee


  • Complicated rewards

  • No Intro APR

  • No revolving balances

  • Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

  • No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.

  • Credit limits 10-20x higher than traditional small business corporate cards.

  • Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.

  • Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.

  • Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.

  • Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.

  • Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.

  • 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.

  • Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.

  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.

  • Contactless pay with Apple Pay, Google Pay, and Samsung Pay.

  • Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.

Read full review


Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Businesses with strong financials

Unlike most cards designed for entrepreneurs, the Brex Card doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well-capitalized. The card earns rewards, too. Read our review.

Wells Fargo Business Secured Credit Card

Our pick for: Cash back rewards

If you’re interested in cash rewards, the Wells Fargo Business Secured Credit Card offers 1.5% back for every $1 spent with no maximum. You can also opt for points-based rewards, with each dollar worth a point. You’ll earn a bonus 1,000 points by spending more than $1,000 in a monthly billing period. Wells Fargo does not charge an annual fee for this card.

The information related to the Wells Fargo Business Secured Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.

Our pick for: High credit limit

If you can afford to put a lot of money down, the First National Bank Business Edition® Secured® Visa Card may be a good choice for bad-credit borrowers. Your security deposit will earn interest, and First National Bank lets you choose your own credit limit between $2,000 and $100,000 (in multiples of $50) when you apply. This card charges a $39 annual fee. Read our review.

Our pick for: 0% APR introductory offer

The Suncrest Bank Business Card is an unsecured business credit card that may be available with bad credit. The card has no annual fee and 0% intro APR for the first 20 billing cycles, and then the ongoing APR of 11.99% - 20.99% Variable. This no-interest introductory period is among the longest for any business credit card, making it a strong choice for large purchases you’d like to repay over time. Read our review.

Our pick for: Average credit

The rewards rate on the Capital One® Spark® Classic for Business isn't going to wow anyone, there's no sign-up bonus and the APR is high. What makes this card valuable is that it's available to business operators with fair or "average" credit, who don't have a lot of options in business credit cards — especially with no annual fee. Read our review.

How do you apply for a business credit card with bad credit?

  • Know your credit score. Most card issuers will check your personal credit score when you apply for a business credit card. Your options may be limited if you have a FICO score below 630, which may be considered bad credit. If you can wait to apply, you may want to take some quick steps to build credit first — like paying off existing debt or disputing errors on your credit report.

  • Find the right card for your business. Poor or thin credit may be the biggest factor in the card you choose, but you’ll still want to consider a card’s terms and individual features to determine the best fit for your company. For example, the Brex corporate card offers industry-specific rewards. If you run a life sciences company, it provides 8x points for conference tickets and 5x for travel.

  • Make your deposit, if necessary. No-deposit business credit cards for bad credit are uncommon. Most likely, you’ll have to opt for a secured credit card that requires a deposit. For example, the Wells Fargo Business Secured Credit Card requires you to put $500 to $25,000 in a linked account with the bank and then limits your spending to that deposited amount.

  • Use your business credit card wisely. Getting a business credit card likely won’t help bad personal credit: Most business card providers only report negative behavior to consumer credit bureaus. But good habits like making on-time payments and paying in full can build your business credit. Plus, some issuers, like Wells Fargo, will monitor your secured card usage and let you upgrade to an unsecured account.

Alternatives to business credit cards for bad credit

Secured credit cards are tied to a cash deposit, which makes providers more willing to work with business owners with poor personal credit or no credit history. The card issuer can simply take that deposit if you fail to pay what you owe.

But if you need more money than a secured card’s credit limit, bad-credit business loans may be an option. For example, Fundbox offers a business line of credit worth up to $150,000 to business owners with a credit score of at least 600 and six months in business.

If you’re a startup with bad credit, an option like invoice financing could make sense depending on your business model. BlueVine’s invoice financing product, for instance, offers funding of up to $5 million and is available to businesses with minimum credit scores of 530 and a minimum of three months in business.

You may also want to consider a personal loan for bad credit or personal credit card for bad credit. While NerdWallet recommends separating your personal and business finances, these products can offer short-term financing and the opportunity to strengthen your credit for future business borrowing needs.

Last updated on May 4, 2021


NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.