Best Business Credit Cards for Fair Credit of April 2026
Fair or average personal credit is typically considered a FICO score from 630 to 689. While less-than-perfect credit may limit your choices, a handful of business credit cards are available.
Apply now 
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Capital on Tap Business Credit Card
Best for Best business card for fair credit (LLCs)
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Ramp Card
Best for Corporate card for business owners with fair credit
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Capital One QuicksilverOne Cash Rewards Credit Card
Best for Best business card for fair credit (sole proprietors)
Annual fee
$39
Rewards rate
1.5%-5%
Cashback
Intro offer
N/A
on Capital One's website
Rates & Fees
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
Brex Card
Best for Startups with professional investors
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
BILL Divvy Corporate Card
Best for Corporate card with soft credit pull
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Filter by:
-
Cash Back - Points
- No Annual Fee
- Fair (630+)
- Bad (<629)
- No credit check
Sort by:
- Default
- NerdWallet rating (high to low)
- Annual fee (low to high)
- Rewards rate (high to low)
Showing 0 out of 5 cards
Capital on Tap Business Credit Card
Best for Best business card for fair credit (LLCs)
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
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.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
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.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Ramp Card
Best for Corporate card for business owners with fair credit
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$1,000
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
The Ramp Card comes with a lot of perks: cash back (rate varies), 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.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
The Ramp Card comes with a lot of perks: cash back (rate varies), 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.
- Get a $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
- Eliminate expense reports with automated receipt capture via SMS, mobile app, and integrations with Gmail, Lyft, and more.
- Control wasteful spending before it happens with built-in vendor and category restrictions.
- Complete visibility into corporate spending to help guide strategic business decisions.
- Seamless accounting and ERP integrations including QuickBooks, NetSuite, Xero, and more.
- Speed up monthly close with automated coding and reconciliation.
- Up to 30x higher credit limits than traditional business credit cards.
- Up to $350k partner rewards (AWS, UPS, Amazon Business, and more).
- No personal credit check or personal guarantee required.
- Up to 1.5% cashback on all card spend.
- Get approved in less than 48 hours.
- No annual fee or foreign transaction fees.
- Issue unlimited virtual cards and physical cards for each employee.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Capital One QuicksilverOne Cash Rewards Credit Card
Best for Best business card for fair credit (sole proprietors)
Annual fee
$39
Rewards rate
1.5%-5%
Cashback
Intro offer
N/A
on Capital One's website
Rates & Fees
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
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.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Rates & Fees
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
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.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Rates & Fees
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
Brex Card
Best for Startups with professional investors
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
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.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- 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.
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
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.
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- 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.
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
BILL Divvy Corporate Card
Best for Corporate card with soft credit pull
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
The BILL Divvy Corporate Card features a robust spend management platform and is more accessible than most corporate cards. For starters, BILL Divvy is one of the few corporate cards available to sole proprietors. And you may be able to qualify with a bank balance of just $20,000. Bill Divvy is a charge card, though, and Its rewards are more complicated than most business cards.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
The BILL Divvy Corporate Card features a robust spend management platform and is more accessible than most corporate cards. For starters, BILL Divvy is one of the few corporate cards available to sole proprietors. And you may be able to qualify with a bank balance of just $20,000. Bill Divvy is a charge card, though, and Its rewards are more complicated than most business cards.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Jump to
NerdWallet's editorial picks: Best business credit cards for fair credit
How to choose a business credit card for fair credit
Should fair credit business owners consider a personal card?
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 One® Spark® Classic for Business
Best business credit card for fair credit (overall)
NerdWallet star rating: 3.3
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.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured Credit Card
Best business credit card for fair credit (secured business card)
NerdWallet star rating: 4.4
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.
FICO score: It's a good idea to check your personal credit before applying for any business card — but especially so if you think you have some room for improvement. There are many services that offer free credit scores, including NerdWallet. Applying for credit can temporarily shave a few points off your score. By knowing where you stand in advance, you can better target your search so you avoid the double whammy or not getting a card and lowering your score.
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. Business credit card preapprovals are rare; however, if an issuer offers pre-qualification via what's known as a "soft credit pull," that can let you know if you're likely to qualify without dinging your personal credit score.
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.
Frequently Asked Questions
Business owners with poor personal credit (a score below 630) will have a hard time qualifying for a standard business card. Instead, consider a secured card while you work to build your credit score. A secured personal card can help you build your personal FICO score, assuming you use it responsibly. A secured business credit card, on the other hand, can help you build your business credit.
While most business credit cards are geared toward people with good-to-excellent credit (a score of 690 or higher), a few cards are offered for those with fair or average credit. Your options include the Capital One Spark Classic or, if you have strong business revenue, a corporate card like Ramp or Brex. The Capital One QuicksilverOne Cash Rewards Credit Card is another good option for sole proprietors who don’t need employee cards. This personal credit card offers flat-rate rewards for a small annual fee.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.