Best Business Credit Cards for Fair Credit of July 2025
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 nowBest Business Credit Cards for Fair Credit
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Capital on Tap Business Credit Card on Capital on Tap's website | Best business card for fair credit (LLCs) | $0 | 1.5% | N/A | on Capital on Tap's website | |
| Pros
Cons
| ||||||
 Ramp Card on Ramp's website | Corporate card for business owners with fair credit | $0 | 1%-1.5% Cashback | $250 | on Ramp's website | |
| Pros
Cons
| ||||||
 Capital One QuicksilverOne Cash Rewards Credit Card on Capital One's website | Best business card for fair credit (sole proprietors) | $39 | 1.5%-5% Cashback | N/A | on Capital One's website | |
| Pros
Cons
| ||||||
 Brex Card on Brex's website | Startups with professional investors | $0 | 1x-7x Points | 10,000 Points | on Brex's website | |
| Pros
Cons
| ||||||
 BILL Divvy Corporate Card on BILL Spend & Expense's website | Corporate card with soft credit pull | $0 | 1x-7x Points | N/A | on BILL Spend & Expense's website | |
| Pros
Cons
| ||||||
Here are the best business credit cards for fair credit
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
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
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
Ramp Card
Best for Corporate card for business owners with fair credit
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
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
Annual fee
$39
Rewards rate
1.5%-5%
Cashback
Intro offer
N/A
on Capital One's website
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
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
Pros
- Apply with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
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
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
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
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
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 shave a few points
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
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
Should fair credit business owners consider a personal card?
Sole proprietors with fair credit will have more options if they add personal credit cards more perks and better bonuses
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
Notes from card issuers
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
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 business credit card team selects the best small-business credit cards
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.