Editor’s note: This is a recurring post with regularly updated card details.
The best secured business credit card can help build or improve your credit, has manageable fees, and provides an easy application process. Those offering rewards on purchases are a plus. We also recommended a few personal secured credit cards and prepaid cards to help you find one that best fits your needs.
Here are our six best business secured credit cards:
- First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card: Overall best business secured card with a high credit limit option
- Valley Visa® Secured Business Credit Card: Best for 0% annual percentage rate (APR) period and fixed-rate cash back
- Discover it® Secured Card: Best personal credit card for premium gas and dining rewards
- OpenSky® Secured Visa Credit Card: Best personal credit card with no credit check and no bank account requirement
- First Progress Select Platinum Mastercard® Secured Credit Card: Best personal credit card with rewards for payments
- First Tech Platinum Secured Mastercard®: Best for low ongoing APR and fewer fees
Here are our top prepaid cards for those who don’t want to acquire debt:
- Bento for Business Visa® Debit Card: Best debit card for businesses of all sizes
- Emburse Spend Card: Best prepaid card with unlimited cash back rewards
- Brex Card: Best for daily or monthly payment options with ongoing rewards
Secured business credit cards are good options for business owners who cannot qualify for regular business credit cards due to low credit scores. To qualify, you’ll need to make a security deposit that serves as collateral. On a tangent, prepaid cards do not consider your credit score as part of the qualification process.
Best Secured Business Credit Cards At a Glance
Best For | Security Deposit | Annual Fee | Ongoing Rewards | ||
|---|---|---|---|---|---|
 First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card | Overall best business secured card with high credit limit option | $2,200 to $110,000 (equivalent to 110% of your desired credit limit) | $39 | None | |
 Valley Visa® Secured Business Credit Card | 0% APR period and fixed-rate cash back | Up to $27,500 (equivalent to 110% of your desired credit limit) | $0 | Unlimited 1% cash back | |
 Discover it® Secured Card | Personal Credit Card for Premium Gas & Dining Rewards | $200 to $2,500 | $0 | Up to 2% cash back | |
 OpenSky® Secured Visa Credit Card | Personal secured credit card with no credit check and no bank account requirement | $200 to $3,000 | $35 | None | |
 First Progress Select Platinum Mastercard® Secured Credit Card | Personal credit card with rewards for payments | $200 to $2,000 | $39 | 1x points per dollar of payment | |
 First Tech Platinum Secured Mastercard® | Low ongoing APR and fewer fees | $500 and $25,000 | $0 | 1x points per dollar on all purchases | |
 Bento for Business Visa® Debit Card | Debit card for businesses of all sizes | None—your card transactions will be debited from your account balance automatically | Monthly fee starts at $29 | None | |
 Emburse Spend Card | Prepaid card with unlimited cash back rewards | None—you need to load your card first before you can use it | $0 | 1% cash back on all purchases | |
 Brex Card | Daily or monthly payment options with ongoing rewards | None—load limits vary on your payment option, starts at 30% of your Brex Cash balance | $0 | Up to 7x points |
First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card: Overall Best Business Secured Credit Card with High Credit Limit Option
First National Bank of Omaha Business Edition® Secured Mastercard® Card
BEST FOR:
Secured credit lines of as much as $100,000
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits between $2,000 and $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits between $2,000 and $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Why we like it: The First National Bank of Omaha Business Edition® Secured® Visa Card is our choice for the overall best business secured credit card because of its high credit limit option. If you have substantial expenses and need a high credit limit, you can request a limit ranging from $2,000 to $100,000, subject to approval. You only need to make a security deposit of 110% of your requested limit. For example, if you want to request a credit limit of $100,000, your security deposit should be at least $110,000.
Other benefits:
- Earn interest on your security deposit
- Pay a low annual fee of $39 only
- Save on business expenses with automatic rebates on over 40,000 participating merchants through Mastercard Easy Savings®
Note that the First National Bank of Omaha Business Edition® Secured® Visa Card does not offer introductory and ongoing rewards. Due to its high credit limit option, it is also one of our leading high-limit business credit cards.
Valley Visa® Secured Business Credit Card: Best for 0% APR Period & Fixed-rate Cash Back
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR for nine months
- No annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Why we like it: Valley Visa® Secured Business Credit Card is among a few secured credit cards that has a 0% introductory APR. You get to enjoy an interest-free financing option on purchases and balance transfers for the first nine months of card ownership. What’s more, you can earn unlimited 1% cash back on all purchases regardless of spending categories. It offers a credit limit of up to $25,000. To qualify, you need a security deposit of 110% of your desired credit limit.
Other benefits:
- Pay no annual fee
- Add up to 25 cards to your account at no additional cost
- Pay no overlimit fee
- Take advantage of the immediate fraud protection alerts via text and email for suspected transactions
Keep in mind that Valley Visa® Secured Business Credit Card reports your account information and transactions to major credit bureaus each month. This means you can build your credit as long as you’re using your account responsibly.
Discover it® Secured Card: Best Personal Credit Card for Premium Gas & Dining Rewards
Discover it® Secured
BEST FOR:
Business owners who need help rebuilding credit
- No annual fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus: Equifax, Experian, and TransUnion.
- Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at eight months to see if we can transition you to an unsecured line of credit and return your deposit.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
- Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We match all the cash back you've earned at the end of your first year automatically.
- Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Pros
- With cash back rewards for new and existing cardholders
- Does not charge annual fees
- Offers automatic monthly account review
Cons
- No 0% APR period on purchases and balance transfers
- High ongoing APR
- Updated FICO credit scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
- Data privacy: Remove personal information from selected people-search sites that may sell your data.
- Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card
- No annual fee, earn cash back, and build your credit with responsible use.
- It's a real credit card. You can build a credit history with the three major credit bureaus: Equifax, Experian, and TransUnion.
- Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at eight months to see if we can transition you to an unsecured line of credit and return your deposit.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
- Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We match all the cash back you've earned at the end of your first year automatically.
- Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Pros
- With cash back rewards for new and existing cardholders
- Does not charge annual fees
- Offers automatic monthly account review
Cons
- No 0% APR period on purchases and balance transfers
- High ongoing APR
- Updated FICO credit scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
- Data privacy: Remove personal information from selected people-search sites that may sell your data.
- Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card
Why we like it: If you are a contractor, run a delivery service, or are often on the road, Discover it® Secured, a personal credit card, is a good choice. It offers 2% cash back rewards on gas station and restaurant purchases of up to $1,000 in combined purchases each quarter and 1% on all other qualifying purchases. It may also be a good option if you don’t need a high-limit credit card and could not qualify for a business credit card. You only need to make a security deposit ranging from $200 to $2,500 to qualify.
Other benefits:
- Take advantage of Cashback Max, a feature that lets you get an automatic unlimited dollar match of all the cash back you earned at the end of your first year of card ownership
- Pay no annual fee
- Review your FICO® credit score, as Discover shows it to you for free, allowing you to track your credit
- Enjoy a 10.99% introductory APR for balance transfers for six months from the date of the first transfer (this is applicable to balance transfer transactions that post to your account by Sept. 10, 2023)
Note that Discover reports credit history to the major credit bureaus and performs automatic card reviews to see if you can qualify for an upgrade to an unsecured credit card. For that reason, this card is one of our top choices for the best business credit cards for bad credit.
OpenSky® Secured Visa Credit Card: Best Personal Credit Card for No Credit Check & No Bank Account Requirement
OpenSky® Secured Visa® Credit Card
BEST FOR:
Business owners with a credit score below 580
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
- OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.
Pros
- Reports to the three main credit bureaus
- Low annual fee
- Can qualify with limited or bad credit history
Cons
- Doesn’t offer 0% introductory annual percentage rate (APR)
- Doesn’t offer rewards for their new and existing cardholders
- Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
- Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
- Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.
- No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
- You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
- OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.
Pros
- Reports to the three main credit bureaus
- Low annual fee
- Can qualify with limited or bad credit history
Cons
- Doesn’t offer 0% introductory annual percentage rate (APR)
- Doesn’t offer rewards for their new and existing cardholders
- Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
- Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
- Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.
Why we like it: The OpenSky® Secured Visa Credit Card is also a personal credit card, but you can use it for business purchases. Since a credit check isn’t required when you apply, your credit score isn’t part of the approval process. Moreover, while most secured credit cards require a bank account to get started, OpenSky® makes it easy if you don’t have or qualify for a bank account. Instead, you can use a money order for your security deposit—this will determine your credit limit, which ranges from $200 to $3,000.
Other benefits:
- Build your credit when you use the card responsibly, as OpenSky reports to the three major credit bureaus, Equifax, Experian, and TransUnion
- Pay a low annual fee of only $35
It’s worth noting that it doesn’t offer a sign-up bonus and ongoing rewards on purchases. Also, balance transfer transactions are not allowed. OpenSky® Secured Visa is also one of our leading credit cards for bad credit.
First Progress Select Platinum Mastercard® Secured Credit Card: Best Personal Credit Card With Rewards for Payments
First Progress Select Platinum Mastercard® Secured Credit Card
- 1% cash back on payments made to your credit card account
Pros
- No annual fee
- Helps build your credit score—reports to all 3 credit bureaus
- Free online reporting with Spend Analysis
Cons
- No sign up bonus
- No ongoing rewards
- Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)
- Reports to all three major credit bureaus
- Pay six months on time and apply to get a second credit card
- Easy, free access to credit education in the First Progress Card Mobile App
- Enrolled automatically in First Progress Rewards upon approval
- Expedited processing service option
- 1% cash back on payments made to your credit card account
Pros
- No annual fee
- Helps build your credit score—reports to all 3 credit bureaus
- Free online reporting with Spend Analysis
Cons
- No sign up bonus
- No ongoing rewards
- Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)
- Reports to all three major credit bureaus
- Pay six months on time and apply to get a second credit card
- Easy, free access to credit education in the First Progress Card Mobile App
- Enrolled automatically in First Progress Rewards upon approval
- Expedited processing service option
Why we like it: Most credit cards either reward you for your purchases or don’t offer rewards at all—but the First Progress Select Platinum Mastercard® Secured credit card is a personal secured credit card that rewards you every time you make payments on your card. You get 1x points per dollar of payment made to your account, which is equivalent to 1% cash back in First Progress Rewards. Accumulate 500 points and redeem them as a $5 statement credit. To qualify, you need to make a security deposit of anywhere from $200 to $2,000.
Other benefits:
- Earn unlimited rewards every time you pay without expiry, as long as the account remains active and in good standing
- Build your credit score when used responsibly, as First Progress reports your transactions and payment behavior to the three major US credit bureaus: Equifax, Experian, and TransUnion
- Make on-time payments for at least six consecutive months, and you may qualify for another First Progress credit card
First Tech Platinum Secured Mastercard®: Best for Low Ongoing APR & Fewer Fees
First Tech Platinum Secured Mastercard®
- 1x point per dollar
Pros
- Low starting APR
- No annual, foreign transaction, balance transfer, and cash advance fees
- Ongoing rewards on purchases
Cons
- No sign up bonus
- No 0% APR period
- You need to become a First Tech member to open an account
- Purchase assurance: When an item you bought with your covered card is damaged or stolen within 90 days of purchase, you may be eligible for benefits under this coverage
- Mastercard Global Service™: Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance
- Mastercard ID Theft Protection™: This is a theft resolution service in case you become a victim of identity theft
- Ongoing rewards: Earn unlimited 1x points per dollar spent on purchases and redeem your rewards for travel, merchandise, gift cards, and more—plus, your rewards don’t expire
- 1x point per dollar
Pros
- Low starting APR
- No annual, foreign transaction, balance transfer, and cash advance fees
- Ongoing rewards on purchases
Cons
- No sign up bonus
- No 0% APR period
- You need to become a First Tech member to open an account
- Purchase assurance: When an item you bought with your covered card is damaged or stolen within 90 days of purchase, you may be eligible for benefits under this coverage
- Mastercard Global Service™: Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance
- Mastercard ID Theft Protection™: This is a theft resolution service in case you become a victim of identity theft
- Ongoing rewards: Earn unlimited 1x points per dollar spent on purchases and redeem your rewards for travel, merchandise, gift cards, and more—plus, your rewards don’t expire
Why we like it: First Tech Platinum Secured Mastercard® offers the lowest starting APR among all other credit cards on this list, making it ideal for business owners who plan to carry a balance. On top of that, it doesn’t charge annual, foreign transaction, balance transfer, cash advance, and overlimit fees—meaning that using the card can reduce your overall credit costs. Your security deposit, which ranges from $500 to $25,000, will determine your credit limit.
Other benefits:
- Earn unlimited 1x points per dollar on all eligible purchases and redeem for travel, merchandise, gift cards, and more—your rewards don’t expire as long as your account is open and in good standing
- Take advantage of coverage protection like Purchase Assurance and Mastercard ID Theft protection
- Opt-in for a Portland Trail Blazers feature and enjoy exclusive benefits, like deals on tickets and discounts at selected merchants
It’s worth noting that you need to become a First Tech member to apply for the card. To become a member, you need to meet any of the following requirements:
- You have a family or household member who is already a First Tech member
- You or a family member work for an innovative company on First Tech’s partner list or for the State of Oregon
- You work or live in Lane County, Oregon
- You belong to the Computer History Museum or the Financial Fitness Association
Call (855) 855-8805 if you don’t meet any of the criteria above and a representative from First Tech will help you navigate your options.
Bento for Business Visa® Debit Card: Best Debit Card for Businesses of All Sizes
Why we like it: Bento is a business debit card that can be used to make business purchases anywhere Visa is accepted. It works like a secured business card because your limit is dependent on how much you deposit. Bento offers a simple pricing structure—your monthly fee depends on how many cards you need, making it an ideal option for businesses of all sizes. Its Starter package offers up to 10 cards for $29 per month. The more cards you need, the higher your monthly fee will be.
Other benefits:
- Enjoy an easy approval process—it requires no credit check and no personal guarantee
- Pay no setup or load fees, as well as fees for every transaction and new card issuance
- Use the card to make large purchases as it has a maximum spend limit of $25,000 per day per card
Bento for Business is best for businesses looking to manage employee spending without using a small business credit card, making it our top-recommended business prepaid card and our best business cards with no personal guarantee. However, you need to have sufficient working capital to fund your spending. Also, it does not report your activities to credit bureaus, so using it won’t help you improve your credit score. Read our Bento for Business Visa Debit Card review to learn more.
Emburse Spend Card: Best Prepaid Card With Unlimited Cash Back Rewards
Why we like it: Emburse Spend Card is a business prepaid card that offers an unlimited 1% cash back on all eligible purchases, regardless of spending categories. It also doesn’t require a personal credit check and a personal guarantee. However, since this is a prepaid card, it doesn’t help you build personal or business credit. Keep in mind that there’s no sign-up bonus, and it doesn’t allow cash withdrawals from the ATMs.
Other benefits:
- Use Emburse Spend Card for your business expenses and its expense reporting system for free, as it doesn’t charge any annual or monthly fees
- Load your account up to $100,000, making it a good option for large expenses—if you need a higher load limit, you can request an increase, subject to approval
- Add virtual and physical employee cards at no additional cost
Emburse Spend Card is known for its streamlined system that allows users to monitor transactions, set employee limits, and integrate with their own accounting software. It is one of our leading cash back business cards due to its high load limit, robust controls, and unlimited rewards. For more information, read our review of Emburse Spend Card.
Brex Card: Best for Daily or Monthly Payment Options With Ongoing Rewards
Why we like it: Brex Card can be used as a charge card or a prepaid card—you have the option to pay your balance in full each month or have your purchases directly deducted from your Brex Cash account balance. On top of that, you can earn 7x points on rideshare, 4x points on Brex travel, 3x points on restaurants, 2x points on software, and 1x points on everything else.
Other benefits:
- Pay no annual or monthly fees
- Enjoy high load or credit limits:
- Credit limit for monthly payment option: 5% to 20% of your aggregate bank balance plus 30% of your Brex Cash balance
- Load limit for daily payment option: 100% of your Brex Cash account balance—however, your balance on your connected bank accounts won’t be considered
- Get exclusive discounts on Brex partners, such as Amazon, Apple, QuickBooks, Freshworks, Slack, Experian, and more
Brex Card is one of our top-recommended purchasing cards because of its flexible payment options and lucrative rewards. To learn more, read our in-depth Brex Card review.
How We Selected the Best Secured Business Credit Cards
We considered secured business credit cards that come with reasonable fees. We also took into account the ease of the application process, introductory and ongoing rewards, and whether or not the issuer will report transactions to the major credit bureaus. Since there are only a few business secured credit cards available, we included some personal secured credit cards with unique features that may be useful to business owners. We also added three prepaid cards on the list for those who have sufficient working capital.
Frequently Asked Questions (FAQs)
A secured credit card can be used for purchases, but it requires a deposit to a checking or savings account, called your collateral account. The amount of the required deposit is usually equal to your credit limit. For example, if your collateral account contains $500, then your credit line is also $500. Some secured credit cards require a security deposit that’s higher than the credit limit. Note that security deposits are refundable, which means you’ll get them back once you fully pay your account balance and decide to discontinue using the card.
When used responsibly, a secured business credit card can help you build or improve your credit score as your transactions are reported to major credit bureaus. However, if you fail to make on-time payments, it can also adversely affect your credit, making it more difficult for you to get qualified for other business financing options in the future.
Secured business credit cards work like a regular credit card—you can use them to make purchases both in-store and online. When the bill is due each month, you’ll be responsible for making a payment on time. Your security deposit guarantees your credit line—it means that if you fail to pay your debt, the card issuer may debit your deposit account to cover your balance.
To choose the best secured business credit card, you need to consider your business’s unique needs and preferences. While some cards offer high credit limit options, not all of them let you earn rewards. Decide which benefits and features work best for you. On top of that, choose a card where you can save on costs.
The best alternative to a secured business credit card is a business prepaid card, which needs to be loaded so that you can use it for your business purchases. It does not require a personal credit check and a personal guarantee, though using prepaid cards will not affect your credit as your transactions are not reported to the credit bureaus. The difference between a prepaid card and a secured business card is that your expenses will be directly deducted from your load balance every time you use the prepaid card, meaning your business does not incur debt.
Bottom Line
All of these secured business credit cards (as well as the prepaid card alternatives) offer an easy approval process. If you’re unsure which one to select, consider the unique features that each card offers and identify which are important to you, such as a rewards program, high credit limit, or application without a credit check.
When secured credit cards are used responsibly, you can build your credit history and become eligible for an unsecured credit card with higher limits, flexible payment dates, and richer rewards. Check out our best small business credit cards for options. For more tips on growing your credit score, check out our article on how to build business credit.
