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Best Business Credit Cards for Fair Credit of March 2024

By Kelsey Sheehy
Last updated on February 20, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 5 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.

Having fair credit won’t stop you from getting a business credit card. Fair or average personal credit is typically considered a FICO score from 630 to 689. While less-than-perfect credit may limit your choices, business credit cards are still available that will let you earn rewards and build business credit.
The following cards require a personal FICO score starting at 630. Note that some have high annual revenue or business bank account requirements as well. If you're a sole proprietor, you can also consider a personal credit card — just aim to use it exclusively for business purchases.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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.

Having fair credit won’t stop you from getting a business credit card. Fair or average personal credit is typically considered a FICO score from 630 to 689. While less-than-perfect credit may limit your choices, business credit cards are still available that will let you earn rewards and build business credit.
The following cards require a personal FICO score starting at 630. Note that some have high annual revenue or business bank account requirements as well. If you're a sole proprietor, you can also consider a personal credit card — just aim to use it exclusively for business purchases.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best business credit cards for fair credit from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Overall business card for fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card for business owners with fair credit

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Businesses with professional investors

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Capital One QuicksilverOne Cash Rewards Credit Card

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Personal card for sole proprietors with fair credit

$39

1.5%-5%

Cashback

N/A

Apply now

on Capital One's website

Rates & Fees

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate card for business owners with fair credit

$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Overall business card for fair credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate card for business owners with fair credit

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Businesses with professional investors

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Capital One QuicksilverOne Cash Rewards Credit Card

Apply now

on Capital One's website

Rates & Fees

4.7/5

Best for Personal card for sole proprietors with fair credit

$39

1.5%-5%

Cashback

N/A

Apply now

on Capital One's website

Rates & Fees

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

2.9/5

Best for Corporate card for business owners with fair credit

$0

1x-7x

Points

N/A

Apply now

on BILL Spend & Expense's website

I'M INTERESTED IN:

Our pick for

Overall business card for fair credit

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
The Capital on Tap Card offers 1.5% cash back on all purchases, no annual fee and the potential for a big sign-up bonus. Best of all, it’s available to business owners with a personal FICO score of 670 or higher, provided you meet other requirements. Note: This business card is not available to sole proprietors.

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200

Our picks for

Corporate card for business owners with fair credit

Ramp Card

Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
The Ramp Card comes with a lot of perks: unlimited cash back, spending controls, forecasting tools and automatic receipt matching. Plus, there's no credit check or personal guarantee, making it a good option for business owners with fair credit but ample business cash reserves. But since it’s a corporate card, it’s only available to businesses registered as corporations, LLCs and limited partnerships.

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

BILL Divvy Corporate Card

Apply now

on BILL Spend & Expense's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
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
Rewards rate
1x-7x Points
Intro offer
N/A

Our pick for

Businesses with professional investors

Brex Card

Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
The Brex Card doesn't require a personal credit check, making it a good option for those with fair or average credit. You can earn a welcome bonus and ongoing rewards with bonus categories. Monthly repayment terms are reserved for business owners with professional funding and a healthy bank balance, though, and this charge card isn’t an option for sole proprietors.

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

Our pick for

Personal card for sole proprietors with fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Apply now

on Capital One's website

Annual fee
$39
Rewards rate
1.5%-5% Cashback
Intro offer
N/A
Sole proprietors can use a personal card like the
Capital One QuicksilverOne Cash Rewards Credit Card
to build credit and earn rewards before upgrading to a business card with better perks.

Capital One QuicksilverOne Cash Rewards Credit Card

NerdWallet rating 

4.7/5
Apply now

on Capital One's website

Annual fee
$39
Rewards rate
1.5%-5% Cashback
Intro offer
N/A

NerdWallet's editorial picks: Best business credit cards for fair credit

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

Capital on Tap Business Credit Card

Our pick for: Best overall business card for fair credit
NerdWallet star rating:
3.9
The
Capital on Tap Business Credit Card
offers
1.5%
cash back on all purchases, no annual fee and the potential for a low APR. And while it's available to business owners with fair credit, Capital on Tap Card says applicants with a FICO score of 670 or higher have the best chance of approval. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.

Ramp Card

Our pick for: Best corporate card for business owners with fair credit
NerdWallet star rating:
3.7
The
Ramp Card
is a corporate charge card available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.

BILL Divvy Corporate Card

Our pick for: Best corporate card for business owners with fair credit
NerdWallet star rating:
2.9
The
BILL Divvy Corporate Card
is available to business owners with a personal FICO score of at least 650. Similar to the
Ramp Card
, it offers card-level spending controls and cash back — though BILL's rewards program is much more complicated. However, it also has a lower barrier to entry, with a requirement of only at least $20,000 in a business bank account. Learn more and apply.

Brex Card

Our pick for: Businesses with professional investors
NerdWallet star rating:
3.1
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. Learn more and apply.

Capital One® Spark® Classic for Business

Our pick for: Business card for sole proprietors with fair credit
NerdWallet star rating:
3
The Capital One® Spark® Classic for Business is one of the few business credit cards available to sole proprietors with fair credit. There aren’t many perks to speak of, but the card has no annual fee and can be a useful tool to build your business credit score.* Learn more.

Capital One QuicksilverOne Cash Rewards Credit Card

Our pick for: Business card for sole proprietors with fair credit
NerdWallet star rating:
4.7
Sole proprietors with fair credit lack business card options. But this personal card is a suitable alternative, assuming you don’t need employee cards. The Capital One QuicksilverOne Cash Rewards Credit Card is for people with fair or "average" credit but it pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. The key difference is that this version charges an annual fee while the regular one does not (see rates and fees). Learn more and apply.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured Credit Card

Our pick for: Business card for sole proprietors with fair credit
This card is not rated by NerdWallet.
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card can help you build your business credit profile while earning 1.5% cash back on all purchases. 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.

How to choose a business credit card for fair credit

Make sure to consider these factors when comparing business credit cards that cater to owners with fair or average credit.
Eligibility: Your business structure and annual revenue will determine eligibility for many of the business card options for fair credit. Corporate cards like Ramp and Brex, for example, are not available to sole proprietors. 
APR: A lower credit score often translates to a higher interest rate, which can make carrying a balance quite costly. Take care to compare APR ranges for available cards to determine your best option.
Repayment terms: Many of the business cards available to owners with fair credit are charge cards, meaning they don’t let you carry a balance. This can have advantages. For starters, you won’t pay interest. Paying bills on time and in full can build your business credit score. But automatic monthly payments (or daily payments, in the case of Brex) can strain your cash flow if you aren’t diligent about expenses.

Should fair credit business owners consider a personal card?

Sole proprietors with fair credit will have more options if they add personal credit cards into the mix. These cards report to consumer credit bureaus and can be used to build your personal credit score, assuming you practice good credit card hygiene. A higher personal credit score will help you qualify for a better business credit card — with more perks and better bonuses — down the road.
Personal cards aren’t an option for other business entities, though. If you run an LLC, partnership or corporation, you’ll need to build your personal credit separately. Alternatively, there are a few card issuers that report to both business and consumer credit bureaus.
*Information for the Capital One® Spark® Classic for Business not reviewed by or provided by Capital One.
Last updated on February 20, 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 how NerdWallet rates credit cards.

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