- Best business card for fair credit (overall):Capital One® Spark® Classic for Business.
- Best business card for fair credit (LLCs):Capital on Tap Business Credit Card.
- Best business card for fair credit (sole proprietors):Capital One QuicksilverOne Cash Rewards Credit Card.
- Best business card for fair credit (overall):Capital One® Spark® Classic for Business.
- Best business card for fair credit (LLCs):Capital on Tap Business Credit Card.
- Best business card for fair credit (sole proprietors):Capital One QuicksilverOne Cash Rewards Credit Card.
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Here are the best business credit cards for fair credit
Here are the best business credit cards for fair credit
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Cashback
⏱️ New bonus offer
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
Ramp Card
Best for Corporate card for business owners with fair credit
Cashback
⏱️ New bonus offer
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
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
Capital on Tap Business Credit Card
Best for Best business card for fair credit (LLCs)
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
Points
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
Brex Card
Best for Startups with professional investors
Points
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
Capital One QuicksilverOne Cash Rewards Credit Card
Best for Best business card for fair credit (sole proprietors)
Cashback
on Capital One's website
Rates & Fees
Pros
- Qualify 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)
Cashback
on Capital One's website
Rates & Fees
Pros
- Qualify with average credit
- High rewards rate
- No foreign transaction fees
Cons
- Has annual fee
- High APR
Points
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
BILL Divvy Corporate Card
Best for Corporate card with soft credit pull
Points
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