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Best Business Cards to Build Credit of April 2024

By Katherine Fan, Kelsey Sheehy
Last updated on April 16, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 7 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business owners who don’t qualify for a business loan can often turn to business credit cards to build credit and finance company expenses. If you have a personal FICO score of 690 or higher, you can qualify for some of the best business credit cards.
But entrepreneurs with a personal FICO score below 630 typically have two options: secured cards and corporate cards.
Secured business cards are relatively easy to get but require a cash security deposit. While secured business cards can build business credit, they won't help your personal credit score. A secured personal card is a good option to do that and can help you qualify for unsecured business credit cards down the road.
Corporate cards typically don't require a credit check, but you need strong annual revenue and a sizable bank balance to qualify. They’re also only available to incorporated businesses. If approved, corporate credit cards offer perks and rewards similar to traditional business cards.
Note: Some of our selections 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.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Business owners who don’t qualify for a business loan can often turn to business credit cards to build credit and finance company expenses. If you have a personal FICO score of 690 or higher, you can qualify for some of the best business credit cards.
But entrepreneurs with a personal FICO score below 630 typically have two options: secured cards and corporate cards.
Secured business cards are relatively easy to get but require a cash security deposit. While secured business cards can build business credit, they won't help your personal credit score. A secured personal card is a good option to do that and can help you qualify for unsecured business credit cards down the road.
Corporate cards typically don't require a credit check, but you need strong annual revenue and a sizable bank balance to qualify. They’re also only available to incorporated businesses. If approved, corporate credit cards offer perks and rewards similar to traditional business cards.
Note: Some of our selections 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.

Here are the best business cards to build credit from our partners

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

Brex Card

Apply now

on Brex's website

3.1/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Business credit card for fair, average credit

$0

N/A

18.49%-35.99% Variable APR

Apply now

on Capital on Tap's website

Discover it® Secured Credit Card

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

5.0/5

Best for Secured cards to build personal credit

$0

10.99% intro APR on Balance Transfers for 6 months

28.24% Variable APR

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply now

on Capital One's website

Rates & Fees

4.9/5

Best for Secured cards to build personal credit

$0

N/A

29.99% Variable APR

Apply now

on Capital One's website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

Brex Card

Apply now

on Brex's website

3.1/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on Ramp's website

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate cards

$0

N/A

N/A

Apply now

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Business credit card for fair, average credit

$0

N/A

18.49%-35.99% Variable APR

Apply now

on Capital on Tap's website

Discover it® Secured Credit Card

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

5.0/5

Best for Secured cards to build personal credit

$0

10.99% intro APR on Balance Transfers for 6 months

28.24% Variable APR

Apply now

on Discover's website, or call 800-347-0264

Rates & Fees

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply now

on Capital One's website

Rates & Fees

4.9/5

Best for Secured cards to build personal credit

$0

N/A

29.99% Variable APR

Apply now

on Capital One's website

Rates & Fees

I'M INTERESTED IN:

Our picks for

Corporate cards

Brex Card

Read Review
Apply now

on Brex's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee
  • New cardholder bonus offer
  • Qualify with limited/bad credit
  • Bonus categories
  • No foreign transaction fees
  • No personal guarantee

Cons

  • Complicated rewards structure
  • High capital requirement for approval
  • Daily repayment may be required

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee or foreign transaction fees
  • Simple, straightforward rewards
  • No personal guarantee or credit check
  • Direct integrations with popular tools and card-level spending controls and alerts

Cons

  • Balance must be paid in full each month
  • Not available to sole proprietors or unincorporated businesses

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

BILL Divvy Corporate Card

Read Review
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Pros

  • No annual fee
  • Card-level spending controls

Cons

  • Complicated rewards structure with limits on redemption
  • Balance must be paid in full each billing cycle

BILL Divvy Corporate Card

NerdWallet rating 

2.9/5
Apply now

on BILL Spend & Expense's website

Annual fee
$0
Intro APR
N/A
Regular APR
N/A

Our pick for

Business credit card for fair, average credit

Capital on Tap Business Credit Card

Read Review
Apply now

on Capital on Tap's website

Annual fee
$0
Intro APR
N/A
Regular APR
18.49%-35.99% Variable APR

Pros

  • Earn unlimited 1.5% cash back on all purchases
  • 24/7 customer service

Cons

  • Not available to sole proprietors, charities or nonprofits
  • Must enroll in automatic payments

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

Annual fee
$0
Intro APR
N/A
Regular APR
18.49%-35.99% Variable APR

Our picks for

Secured cards to build personal credit

Discover it® Secured Credit Card

Read Review
Apply now

on Discover's website, or call 800-347-0264

Annual fee
$0
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Regular APR
28.24% Variable APR

Pros

  • No annual fee
  • Reports to the three major credit bureaus
  • Qualify with limited/bad credit
  • Earns rewards
  • New cardholder bonus offer

Cons

  • Requires minimum deposit
  • High APR

Discover it® Secured Credit Card

NerdWallet rating 

5.0/5
Apply now

on Discover's website, or call 800-347-0264

Annual fee
$0
Intro APR
10.99% intro APR on Balance Transfers for 6 months
Regular APR
28.24% Variable APR

Capital One Quicksilver Secured Cash Rewards Credit Card

Read Review
Apply now

on Capital One's website

Annual fee
$0
Intro APR
N/A
Regular APR
29.99% Variable APR

Pros

  • Qualify with limited/bad credit
  • Reports to the three major credit bureaus
  • Earns rewards
  • No minimum redemption amount
  • Rewards don't expire
  • No annual fee

Cons

  • High APR
  • No new cardholder bonus offer
  • No bonus categories

Capital One Quicksilver Secured Cash Rewards Credit Card

NerdWallet rating 

4.9/5
Apply now

on Capital One's website

Annual fee
$0
Intro APR
N/A
Regular APR
29.99% Variable APR

NerdWallet's editorial picks: Best business cards to build credit

Before applying, confirm details on the issuer’s website.

Corporate cards

Corporate credit cards typically don't require a personal credit check — the
BILL Divvy Corporate Card
is an exception — but they do require a minimum bank balance of $20,000 or higher and substantial annual revenue.
NerdWallet star rating:
3.7
The
Ramp Card
's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.
NerdWallet star rating:
3.1
The
Brex Card
doesn't require a personal credit check and business owners can apply with an EIN only. There's also no personal guarantee. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. The Brex card also offers a decent welcome bonus, earns ongoing rewards and offers direct integration with popular accounting and bookkeeping software. Learn more and apply.
NerdWallet star rating:
2.9
Unlike other corporate cards, the
BILL Divvy Corporate Card
does require a credit check, but the card's underwriting criteria are more flexible than other business credit cards. The
BILL Divvy Corporate Card
generally requires a minimum FICO score of 650 or higher, but the issuer also factors annual revenue and business bank account balance into approval decisions. If approved, you can earn up to 7x points on restaurants and 5x points on hotels, though weekly payments are required to hit the top tier. Learn more and apply.

Business credit cards for fair, average credit

Most business credit cards require a personal FICO score of 690 or higher to qualify, but the following options are available to business owners fair or average credit — typically a FICO score between 630 and 689.
NerdWallet star rating:
3.9
Capital on Tap says applicants with a FICO score of 670 or higher have the best chance of approval, but the card is available to business owners with fair credit (typically considered a score from 630 to 689). The
Capital on Tap Business Credit Card
issued by WebBank offers
1.5%
cash back on all purchases, no annual fee and the potential for a low APR. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.
NerdWallet star rating:
3
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 credit, who don't have a lot of options in business credit cards.

Secured cards to build business credit history

A secured business credit card is one way to establish and build your business credit. Prioritize on-time payments and aim to keep credit utilization below 30% to have a positive impact on your business credit score.

First National Bank Business Edition® Secured Mastercard® Credit Card

This card has not been rated by NerdWallet
The
First National Bank Business Edition® Secured Mastercard® Credit Card
reports card activity to Dun & Bradstreet, one of the three main business credit bureaus, so on-time payments will help build your business credit score. This secured card does require a credit check (personal credit) and security deposit (between $2,000 and $10,000 in multiples of $100) which dictates your credit limit. This card charges a $
39
annual fee.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card

This card has not been rated by NerdWallet
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card earns 1.5% cash back on all purchases, with no cap or expiration date on the rewards you earn. The card has a minimum security deposit of $1,000, which is equal to your credit limit and subject to credit approval. Bank of America will periodically review your secured card and may upgrade you to an unsecured card if and when you qualify. This card has no annual fee.

Secured cards to build personal credit

If bad personal credit is preventing you from financing your business, a secured personal credit card can help you improve your credit over time and unlock better financing options down the road.
NerdWallet star rating:
5
While there aren't Discover business credit cards, this personal secured credit card offers a generous cash-back program. Responsible habits will automatically trigger an evaluation from Discover after seven months of holding the card. Note that your original deposit, or security, must be paid through a bank account. Learn more and apply.
NerdWallet star rating:
4.9
The
Capital One Quicksilver Secured Cash Rewards Credit Card
offers an impressive combination of features for those with poor credit. A deposit is required, but in exchange you get a
$0
-annual-fee card that reports to all three credit bureaus; an automatic credit limit review after six months; and a possible upgrade path to an unsecured Capital One card. Oh, and 5% back on hotels and rental cars booked through Capital One Travel, plus 1.5% back on all other purchases, which equals what you'd find on many unsecured cards (see rates and fees). Learn more and apply.

How do you apply for a business credit card?

  • Know your credit score. Most issuers check your personal credit score when you apply for a business credit card because you will need to guarantee the debt (i.e., promise to repay it if your business can't). Your options will be limited if you have a FICO score below 630, which is considered bad credit. If you have time, take some quick steps to build credit — like paying off existing debt or disputing errors on your credit report — to help your score before applying.
  • 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. First National Bank’s business secured card charges an annual fee, for example, but offers a higher potential credit line (with deposit) than other secured cards.
  • 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, which the lender can take in instances of nonpayment. Bank of America’s business secured card, for example, requires a security deposit of at least $1,000 and then limits your spending to that deposited amount.
  • Use your business credit card wisely. Getting a business credit card 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 Bank of America, will monitor your secured card usage and let you upgrade to an unsecured account.
Last updated on April 16, 2024

Methodology

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. Learn more about how we rate business credit cards.