Business Credit Cards for Fair Credit
| Card | Annual fee | Rewards |
|---|---|---|
| Chase Ink Business Unlimited | $0 | Unlimited 1.5% cash back on every purchase |
| American Express Blue Business Cash | $0 | 2% cash back on first $50k/yr, then 1% |
| Capital One Spark 1.5% Cash Select | $0 | Unlimited 1.5% cash back; 5% on hotels & rental cars via Capital One Business Travel |
| U.S. Bank Business Triple Cash Rewards | $0 | 3% restaurants, office supply, cell phone, gas/EV; 5% prepaid hotels & cars via Travel Center; 1% else |
| Chase Ink Business Cash | $0 | 5% office supply & internet/cable/phone, 2% gas & restaurants (each on first $25k/yr combined), 1% else |
| Bank of America Business Advantage Unlimited Cash Rewards | $0 | Unlimited 1.5% cash back; up to 2.62% with Preferred Rewards for Business |
| American Express Blue Business Plus | $0 | 2x Membership Rewards points on first $50k/yr, then 1x |
| Chase Ink Business Preferred | $95 | 3x points on travel, shipping, social/search ads, internet/cable/phone (first $150k/yr), 1x else |
| Capital One Spark Cash Plus | $150 | Unlimited 2% cash back; 5% on hotels & rental cars via Capital One Business Travel |
| American Express Business Gold | $375 | 4x points in your top 2 of 6 categories each cycle (first $150k/yr combined), 3x Amex Travel flights/prepaid hotels, 1x else; ~$240 flexible business credit |
| Ramp Corporate Card | $0 | Up to 1.5% cash back (rate set per customer) |
| BILL Divvy Card | $0 | Points vary by payoff frequency: weekly/daily up to 7x restaurants, 5x hotels, 2x software, 1.5x else; monthly 0.5x-2x |
| Mercury IO Card | $0 | Unlimited 1.5% cashback |
| Brex Brex Card | $0 | 1x points everywhere; up to 7x rideshare, 4x Brex travel, 3x restaurants, 2x software if Brex is your only card |
| Capital on Tap Business Credit Card | $0 | 1.5% cash back on all purchases (2% with weekly AutoPay) |
| Capital One Spark 1% Classic | $0 | Unlimited 1% cash back; 5% on hotels & rental cars via Capital One Business Travel |
| Bank of America Business Advantage Unlimited Cash Secured | $0 | Unlimited 1.5% cash back |
| Valley Bank Visa Secured Business | $0 | 1% cash back (unconfirmed) |
| FNBO Business Edition Secured | $39 | No rewards |
| Nav Credit Builder Card | $600 | Possible cashback (not specified) |
| Popular PREMIA Business Rewards | $0 | 2x PREMIA points on restaurants, telecom, gas, office supplies; 1x else |
| Popular PREMIA Business Rewards Max | $95 | 3x PREMIA points on airlines, hotels, restaurants, telecom, gas, office supplies; 1x else |
| FirstBank Beyond Business Mastercard | $50 | Rewards not listed in disclosure |
Frequently asked questions
Can I get a business credit card with a new business or an EIN only?
Yes, many issuers accept new businesses and sole proprietors. Most bank cards still check your personal credit and ask you to personally guarantee the debt. Corporate cards such as Ramp or Brex skip the personal credit check but usually require a minimum cash balance in a business bank account.
What is a personal guarantee?
It is your promise to repay the card if the business cannot. Almost every small-business card from a bank requires one, so missed payments can hurt your personal credit. Cards with no personal guarantee look at your business bank balance and revenue instead.
Do business credit cards affect my personal credit?
Applying usually means a hard inquiry on your personal credit. Many issuers do not report normal business card activity to your personal credit report, but serious delinquencies can be reported. Check each issuer's terms.
How do I build business credit with a card?
Get an EIN, open a business bank account, register with Dun & Bradstreet (D-U-N-S number), and use a card or vendor account that reports to business credit bureaus. Pay on time or early every month. Over time this builds your business credit file separate from your personal one.
Is a business credit card better than a loan?
A card is good for everyday expenses and short-term cash flow, especially if you pay the balance in full. For large, long-term needs such as equipment, property or buying a business, an SBA or term loan usually costs much less than carrying a card balance.
Can I get a business credit card in Puerto Rico?
Yes. Banks in Puerto Rico such as Popular and FirstBank offer business cards, and some U.S. issuers accept businesses in Puerto Rico. Availability changes, so confirm on the issuer's site before you apply.