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The best business credit cards for bad credit help you build credit while managing expenses effectively and offering valuable benefits for your business, whether through rewards or cashback. We give a variety of options, including business and personal secured credit cards, charge cards, and business prepaid cards—all tailored to meet different financial needs and credit situations.
Check out our top eight business credit cards for those with bad credit:
- Ramp Credit Card: Overall best corporate charge card with no personal credit check and exclusive discounts with over $350,000 in partner rewards
- Rho Card: Best for daily or monthly credit terms with exclusive partner rewards
- Emburse Spend Card: Best prepaid card with unlimited rewards
- Valley Visa® Secured Business Credit Card: Best for 0% intro period and fixed-rate cash back rewards
- First National Bank of Omaha Business Edition® Secured Mastercard®: Best for fixed-rate regular annual percentage rate (APR)
- First Tech Platinum Secured Mastercard®: Best for low ongoing APR and fewer fees with fixed-rate rewards
- Discover it Secured Card: Best personal credit card for gas station and restaurant rewards
- First Progress Select Platinum Mastercard® Secured Credit Card: Best personal credit card with rewards for payments
- Overview of the Best Business Credit Cards for Bad Credit
- Ramp Credit Card: Overall Best Corporate Charge Card With No Personal Credit Check and Exclusive Discounts With Over $350,000 in Partner Rewards
- Rho Card: Best for Daily or Monthly Credit Terms With Exclusive Partner Rewards
- Emburse Spend Card: Best Prepaid Card With Unlimited Rewards
- Valley Visa® Secured Business Credit Card: Best for 0% Intro Period and Fixed-rate Cash Back Rewards
- First National Bank of Omaha Business Edition® Secured Mastercard®: Best for Fixed-rate Regular Annual Percentage Rate (APR)
- First Tech Platinum Secured Mastercard®: Best for Low Ongoing APR and Fewer Fees With Fixed-rate Rewards
- Discover it Secured Card: Best Personal Credit Card for Gas Station and Restaurant Rewards
- First Progress Select Platinum Mastercard® Secured Credit Card: Best Personal Credit Card With Rewards for Payments
- Alternatives to Business Credit Cards for Bad Credit
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Business Credit Cards for Bad Credit
| Best For | Annual Fee | Rewards | ||
|---|---|---|---|---|
 Ramp Credit Card | (Overall best) Corporate charge card with no personal credit check and exclusive discounts with over $350,000 in partner rewards | $0 | Fixed-rate 1.5% cash back | Apply now |
 Rho Card | Daily or monthly credit terms with exclusive partner rewards | $0 | Up to 1.5% cash back | Apply now |
 Emburse Spend Card | Prepaid card with unlimited rewards | $0 | Fixed-rate 1% cash back | Apply now |
 Valley Visa® Secured Business Credit Card | 0% intro period and fixed-rate cash back rewards | $0 | Fixed 1% cash back | Apply now |
 First National Bank of Omaha Business Edition® Secured Mastercard® | Fixed-rate regular annual percentage rate (APR) | $39 | None | Apply now |
 First Tech Platinum Secured Mastercard® | Low ongoing APR and fewer fees with fixed-rate rewards | $0 | Fixed-rate 1× point per dollar | Apply now |
 Discover it Secured Card | Personal credit card for gas station and restaurant rewards | $0 | Up to 2% cash back | Apply now |
 First Progress Select Platinum Mastercard® Secured Credit Card | Personal credit card for earning rewards for payments | $39 | 1% cash back | Apply now |
If you want to see how a credit card stacks up against others, click
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on the cards below. Note that you can compare up to three credit cards on this page or a card here against others on our site.
Ramp Credit Card: Overall Best Corporate Charge Card With No Personal Credit Check and Exclusive Discounts With Over $350,000 in Partner Rewards
Ramp Credit Card
Add to Compare
BEST FOR:
Those who are using Ramp as their main financial management tool
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
- Up to 1.5% cash back on purchases, regardless of spending categories
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
This card offers over $350,000 in partner discounts, helping businesses save on essential tools like software and travel. With $0 annual and foreign transaction fees and simple cash-back rewards, it’s designed to stretch every dollar further. These are some of the reasons why it’s also one of our best business credit cards with no personal credit check.
Ongoing Rewards
- 1.5% unlimited cash back on all purchases.
- Access to over $350,000 in partner discounts from top brands like Gusto, QuickBooks, Zendesk, AWS, and more. For a full list of partner benefits, visit the Ramp perks page.
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All Purchases | 1.5% | $25,000 | $375 |
| Software (e.g., Slack, Amazon Web Services) | $500/month with a 10% partner discount | $6,000 | $600 |
| Travel (flights/hotels booked through a partner) | $3,000/month with a 5% partner discount | $36,000 | $1,800 |
| Total Annual Reward Value | $2,775 | ||
Other Benefits
- Unlimited corporate cards: Issue virtual and physical cards for your entire team without restrictions.
- Streamlined bill payments: Use AI-powered tools and approval workflows to simplify and speed up payment processes.
- Expense tracking & automation: Access real-time expense tracking and seamless integrations with accounting software like QuickBooks, NetSuite, and more.
Who Should Consider It
- Registered corporation, limited liability company, or LP (nonprofits welcome) in the US. Currently, they’re not accepting individuals, sole proprietors, and other types of unregistered businesses.
- Businesses with at least $25,000 in cash in any US business bank account.
- Those who pay balances in full monthly.
- Companies needing unlimited corporate cards for team use.
- Teams looking for advanced expense tracking and accounting automation.
Rho Card: Best for Daily or Monthly Credit Terms With Exclusive Partner Rewards
 Rho Card | |
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| Qualifications | Terms |
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| Apply now | |
This card is known for its seamless platform that helps businesses manage expenses and cash flow. It comes with $0 annual and subscription fees and offers cash rewards on eligible purchases in the form of a statement credit. On top of that, you can take advantage of more than $600,000 worth of exclusive partner perks, including Stripe, Slack, Gusto, and Amazon.
Ongoing Rewards
- Up to 1.5% cash back with a 1-day repayment term. Cash back rewards will automatically adjust based on repayment terms, ranging from 1 day (highest cash back) to 60 days (no cash back).
- Up to $600,000-plus in perk rewards thanks to our network of world-class partners, including Perplexity, Stripe, AWS, Google Cloud, Clerky, Carta, QuickBooks, and more.
Other Benefits
- Rho platform features expense management tools to streamline reimbursements, approval workflows, and expense reporting.
- No personal guarantee, consumer credit report (personal credit check), or personal credit score pull required.
- Higher, scalable credit limits that increase as your company grows.
- Unlimited physical and virtual cards with spending limits and imposed category restrictions.
Who Should Consider It
- Companies experiencing rapid growth and needing scalable credit limits.
- Businesses with annual revenues exceeding $1 million or substantial cash flow.
- Businesses incorporated in the US. It is not offered to sole proprietorships or unincorporated businesses.
Emburse Spend Card: Best Prepaid Card With Unlimited Rewards
Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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| Spending Limit | Load Limit |
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| Costs | |
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| Read our review of the Emburse Spend Card | Apply Now |
This card stands out as an ideal choice for businesses that prioritize flexibility and control over employee spending. With its prepaid structure, it eliminates the need for credit checks, making it accessible to businesses with less-than-ideal credit. The card also offers unlimited rewards on all purchases, helping businesses maximize value without being confined to specific spending categories.
Additionally, Emburse provides advanced expense management tools that streamline approvals and tracking, ensuring seamless financial oversight. Emburse Spend Card has a default $50,000 budget ceiling, but this can be increased with additional review.
Ongoing Rewards
- Unlimited 1% cash back on all purchases
Here’s an example of the potential rewards value if spending requirements are met:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All other purchases | 1% | $25,000 | $250 |
Other Benefits
- Virtual and physical cards: Instantly issue virtual cards or receive physical cards within 5-8 business days. Customize spending limits for each employee for better control.
- Real-time expense tracking: Monitor and manage expenses efficiently with real-time tracking and reporting.
- Accounting integrations: Seamlessly connect with tools like QuickBooks, Xero, and Expensify for streamlined financial management.
- Emburse Analytics
Who Should Consider It
- Small businesses seeking a flexible prepaid card solution with no credit check requirements.
- Companies looking for an unlimited rewards structure without category limitations.
- Teams that need advanced expense management tools for streamlined operations.
Valley Visa® Secured Business Credit Card: Best for 0% Intro Period and Fixed-rate Cash Back Rewards
| Intro APR | 0% introductory APR on purchases and balance transfers for first 6 months |
|---|---|
| Regular APR | 15.20% to 26.50%, variable |
| Annual Fee | $0 |
| Credit Needed | Poor, Limited |
- 1% unlimited cash back on all purchases
- 110% percent of your approved credit limit
- $1,000 to $25,000, based on customer request
- Online account access: Manage your account conveniently through online access.
- Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
- Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
- Report to major credit bureaus: The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use.
This card offers an excellent combination of accessibility and value. Designed for businesses looking to build or rebuild credit, this card features a 0% intro APR on purchases and balance transfers for the first 12 months, giving companies breathing room to manage expenses. It’s not a surprise that this is also our leading secured business credit card and one of our recommended cash back business credit cards.
Ongoing Rewards
- 1% cash back on every purchase, no limits or categories to track.
Here’s an example of how rewards can add up:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All other purchases | 1% | $25,000 | $250 |
Other Benefits
- Free credit score access: Monitor your credit score for free, helping you stay informed about your financial health.
- Employee cards: Issue up to 25 employee cards at no extra cost, making it easier to manage team expenses under one account.
- Payroll processing: Enjoy full access to ADP®, a leading payroll processor, with a suite of tools to simplify payroll and transaction management.
- Zero fraud liability: You are protected against unauthorized charges when your card is lost or stolen.
Who Should Consider It
- Those who need to rebuild or establish their credit.
- Those who need flexible spending with a custom credit limit.
- Those who manage multiple employees.
- Those with an existing business checking account with Valley Visa.
First National Bank of Omaha Business Edition® Secured Mastercard®: Best for Fixed-rate Regular Annual Percentage Rate (APR)
| Intro APR | None |
|---|---|
| Regular APR | 25.99% variable |
| Annual Fee | $39 |
| Credit Needed | Very Poor to Good |
- 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.
- 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
This card offers businesses high credit limits and the chance to build or improve credit. Credit limits range from $2,000 to $10,000. Approval doesn’t require a business credit score, and even those with low personal credit scores can qualify if they meet the deposit requirement.
Ongoing Rewards
While there are no standard rewards, you can earn automatic rebates through the Mastercard Easy Savings® program at over 40,000 participating merchants. It’s no surprise that its features are why this is one of our best secured business credit cards.
Other Benefits
- Receipt management: Capture and organize receipts effortlessly using your smartphone for simplified record-keeping.
- Earn interest: Grow your security deposit with interest, as specified in the Deposit Agreement.
- Auto rental insurance: Enjoy coverage for vehicle rentals when you pay with the card.
Who Should Consider It
- Entrepreneurs with low or no credit history looking to establish or improve their credit.
- Companies wanting to earn interest on their security deposit.
- Ideal for businesses with bad credit history seeking a reliable secured card option.
First Tech Platinum Secured Mastercard®: Best for Low Ongoing APR and Fewer Fees With Fixed-rate Rewards
| Intro APR | N/A |
|---|---|
| Regular APR | 13.5% to 18% variable |
| Annual Fee | $0 |
| Credit Needed | Bad, limited |
- Earn 1 point per $1 spent on eligible purchases
- Minimum $500, which determines your credit limit (up to $25,000)
- No fees for foreign transactions, cash advances, or balance transfers
- Reports to major credit bureaus
- 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
This card helps individuals build or rebuild credit with $0 annual, foreign transaction, cash advance, and balance transfer fees. Membership in First Tech Federal Credit Union is required, and your credit limit is based on a refundable deposit ranging from $500 to $25,000. It’s a low-cost option for improving credit.
Ongoing Rewards
- 1 reward point for every dollar spent on your everyday purchases. There’s no maximum, and your points never expire.
| Category | Reward Rate | Estimated Annual Spend | Earned Points | Annual Reward Value |
|---|---|---|---|---|
| All other purchases | 1× | $25,000 | $25,000 | $250 |
Other Benefits
- Identity & travel protections: ID Theft Protection™, 24/7 Global Service for card issues, MasterRental vehicle coverage, travel and baggage protections, and MasterAssist for medical and legal help.
- Purchase & travel perks: Purchase Assurance (90-day coverage) and a 15% discount with Mastercard Airport Concierge™.
- Trail Blazers card option: Discounts on games, shows, and Rip City Clothing Co. at the Moda Center.
Who Should Consider It
- Those with poor or no credit, as it reports to major credit bureaus.
- Those who want to maximize business expenses by earning cash back on all purchases.
- Those who can make a security deposit: a $500 minimum deposit sets your credit limit.
- Those with a First Tech FCU business checking account to manage all financial transactions within one institution.
Discover it Secured Card: Best Personal Credit Card for Gas Station and Restaurant Rewards
| Intro APR | N/A |
|---|---|
| Regular APR | 27.24% variable |
| Annual Fee | $0 |
| Credit Needed | N/A |
- 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.
- 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
This card is perfect for building credit, offering cash back rewards with a $0 annual fee. A refundable deposit of $200-$2,500 sets your limit, and Discover reports to major credit bureaus to help improve your score. Accounts are reviewed for unsecured upgrades after seven months.
Ongoing Rewards
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter.
- 1% cash back on all other purchases with no limit.
- Cash back is automatically matched dollar-for-dollar at the end of your first year.
Here’s an example of how rewards can add up:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| Gas stations and restaurants | 2% | $25,000 | $500 |
| All other purchases | 1% | $25,000 | $250 |
| First year match bonus | $750 | ||
| Total Annual Reward Value | $1,500 | ||
Other Benefits
- Zero fraud liability: Protects against unauthorized charges.
- Freeze it®: Instantly freeze your account if your card is misplaced via the app or website.
- Free social security alerts: Monitors your Experian® credit report and the Dark Web for personal data exposure.
- FICO® credit scores: Free access to your credit score and key factors via Discover.com and statements.
- Account reviews: Automatic reviews after seven months for potential upgrades to an unsecured card with deposit refunds.
- Free card replacement: Free overnight shipping for lost cards (within the US, excluding P.O. boxes).
Who Should Consider It
- Individuals looking to build or rebuild credit with a secured card.
- Those who spend regularly at gas stations and restaurants.
- Cardholders seeking a $0 annual fee option with cash back rewards and the potential to graduate to an unsecured card.
First Progress Select Platinum Mastercard® Secured Credit Card: Best Personal Credit Card With Rewards for Payments
| Intro APR | N/A |
|---|---|
| Regular APR | 19.24% variable |
| Annual Fee | $39 |
| Credit Needed | Bad, limited |
- 1% cash back on payments made to your credit card account
- 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
The card is designed for individuals looking to build or rebuild credit while earning rewards. With no minimum credit score required, it’s accessible to those with limited or poor credit histories. A refundable security deposit of $200 to $2,000 sets your credit limit, offering flexibility for credit improvement. It also reports to major credit bureaus, a key feature that makes it one of the recommended secured business credit cards.
Ongoing Rewards
- 1% cash back on all purchases with no limits or categories to track.
Here’s an example of potential rewards:
| Category | Reward Rate | Estimated Annual Spend | Annual Reward Value |
|---|---|---|---|
| All purchases | 1% | $25,000 | $250 |
Other Benefits
- Flexible deposit: Fund your security deposit over 90 days with the option to make partial payments.
- Purchase protection: Benefit from Mastercard’s Zero Fraud Liability and Purchase Assurance for added peace of mind.
- Nationwide acceptance: Enjoy the security and convenience of worldwide acceptance through the Mastercard network.
Who Should Consider It
- Individuals with limited or poor credit history looking to build or rebuild their credit.
- Those seeking a secured card with simple cash back rewards.
- Cardholders who prefer an affordable annual fee and a flexible credit limit option.
Alternatives to Business Credit Cards for Bad Credit
- Business loans for bad credit: Some lenders approve loans for credit scores below 600. Check out our guide to the leading business loans for bad credit for top recommendations.
- Business equipment loans for bad credit: Ideal for purchasing company equipment. Explore options in our best business equipment loans for bad credit roundup.
To learn about the importance of business credit scores, read our article about
what a business credit score is
and how it works. When your score improves and you’re ready to apply for a wider variety of business credit cards, the top choices are in our list of the
best small business credit cards
.
Frequently Asked Questions (FAQs)
What are the lowest and highest credit scores?
The lowest FICO score is 300, while the highest is 850. Refer to the table below to see the equivalent ratings of these scores:
| Credit Score | Rating |
|---|---|
| 300 to 579 | Poor/Bad |
| 580 to 669 | Fair |
| 670 to 739 | Good |
| 740 to 799 | Very Good |
| 800 to 850 | Excellent |
Does applying for too many cards have an adverse effect on my credit?
Yes, applying for too many credit cards or loans can adversely affect your credit, especially if the card issuers or loan providers require a credit check. Keep in mind that most business credit cards check your personal credit scores as part of the application process, and too many hard credit inquiries can lower your credit score.
Is there a need to build business credit?
Yes, business owners need to build business credit. Having a business credit and a favorable score can help you qualify for a wider range of business credit cards and other forms of business financing.
How can I improve my credit score using a business credit card?
To improve your credit score with a business credit card, you need to use it responsibly and pay your balance on time. Late payments will have a negative impact on your credit, so keep track of due dates and pay your bills promptly. To avoid defaulting on your cards, only use it on necessary expenses that your company has set aside a budget for.
To avoid this, you may opt for card options that don’t require a credit check, or make sure to check the credit requirements and determine whether or not you qualify before you submit an application.
Bottom Line
When choosing a business credit card for bad credit, understand their differences. Secured cards require a security deposit, while prepaid cards pull funds directly from a linked account. Responsible use helps build credit, paving the way for a regular business credit card.
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