Are you looking for a business credit card for bad credit? Well, look no further – we have great choices for a business credit card for bad credit.
Get an Excellent Business Credit Card for Bad Credit and Check Out Other Options
We looked into every business credit card for bad credit we could find. So, here are our options.
Per the SBA, business credit card limits are a massive 10 – 100 times that of personal credit cards!
This reveals you can get a lot more money with company credit cards. And it also reveals you can have personal credit cards at stores. So, you would now have an additional card at the exact same stores for your business.
And you will not need collateral, cash flow, or financials to get business credit.
Business Credit Card for Bad Credit: Benefits
Benefits can differ. So, make certain to choose the benefit you would prefer from this choice of alternatives.
Dependable Business Credit Card for Bad Credit, Not Requiring a Personal Guarantee
Brex Card for Startups
Have a look at the Brex Card for Startups. It has no annual fee.
You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.
Nevertheless, they do not accept every industry.
Likewise, there are some industries they will not work with, and others where they want more paperwork. For a list, go here: https://brex.com/legal/prohibited_activities/.
To determine creditworthiness, Brex checks a business’s cash balance, spending patterns, and investors.
You can get 7x points on rideshare. Get 4x on Brex Travel. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.
You can have bad credit scores (even a 300 FICO) to qualify.
Find it here: https://brex.com/lp/startups-higher-limits/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Get a Business Credit Card for Bad Credit
Capital One® Spark® Classic for Business
Have a look at the Capital One® Spark® Classic for Business. It has no yearly fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your company, without minimum to redeem.
While this card is within reach if you have fair credit, beware of the APR. However if you can pay in a timely manner, and completely, then it’s a good deal.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Flexible Financing Credit Cards – Have A Look at an Alternative to a Business Credit Card for Bad Credit!
The Plum Card® from American Express
Check out the Plum Card® from American Express. It has an introductory annual fee of $0 for the first year. Afterwards, pay $250 each year.
Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.
You will need good to excellent credit scores to qualify.
Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/
As you improve your credit scores, you may be looking for other alternatives to a business credit card for bad credit. Here are our favorites.
Outstanding Business Credit Cards with No Annual Fee
No Yearly Fee/Flat Rate Cash Back
Ink Business Unlimited℠ Credit Card
Check out the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial year. After that, the APR is a variable 14.74 – 20.74%.
You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the initial three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need superb credit scores to receive this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Company Credit Cards with a 0% Introductory APR – Pay Zero!
Blue Business® Plus Credit Card from American Express
Have a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. Afterwards, the APR is a variable 14.74 – 20.74%.
Get double Membership Rewards® points on day to day company purchases like office supplies or client suppers for the first $50,000 spent annually. Get 1 point per dollar afterwards.
You will need great to excellent credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/
American Express® Blue Business Cash Card
Also check out the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash instead of points.
Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. Then get 1%.
It has no annual fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%.
You will need great to exceptional credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/
Terrific Cards for Cash Back
Flat-Rate Rewards
Capital One ® Spark® Cash for Business
Check out the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the first year. After that, this card costs $95 each year. There is no introductory APR deal. The regular APR is a variable 18.49%.
You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem at any time without any minimums.
You will need great to outstanding credit scores to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/
Flat-Rate Rewards and No Yearly Fee
Discover it® Business Card
Check out the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for year. After that the regular APR is a variable 14.49 – 22.49%.
Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimal spend requirement.
You can download transactions| easily to Quicken, QuickBooks, and Excel. Note: you will need good to superb credit to qualify for this card.
https://www.discover.com/credit-cards/business/
Bonus Categories
Ink Business Cash℠ Credit Card
Check out the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the initial one year. After that, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first 3 months from account opening.
You can get 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no restriction to the amount you can earn.
You will need superb credit scores to qualify for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF
Boosted Cash Back Categories
Bank of America® Business Advantage Cash Rewards MasterCard® credit card
Take a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.
Get 3% cash back in the category of your choice. So these are filling stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. After that earn 1% after, with no limits.
You will need outstanding credit to qualify.
Find it here: https://promo.bankofamerica.com/smallbusinesscards2/
Unbeatable Cards for Jackpot Rewards That Never Expire
Capital One® Spark® Cash Select for Business
Have a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. Also earn a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first three months. Rewards never expire.
Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.
You will need good to excellent credit scores to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Company Credit Cards for Luxurious Travel Points
Flat-rate Travel Rewards
Capital One® Spark® Miles for Business
Have a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.
This card is fantastic for travel if your expenses do not fall into basic bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.
Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. Yet you just get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction fee. You will need a great to outstanding FICO rating to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/
No Annual Fee
Bank of America® Business Advantage Travel Rewards World MasterCard® credit card
For no yearly fee while still getting travel rewards, check out this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the first nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.
You can get 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Get unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.
Also earn 3 points per every dollar spent when you reserve your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can earn and points don’t expire.
You will need superb credit to get this one (as in, 700s or better).
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
The Very Best Business Credit Card for Bad Credit for You
Your outright best small business credit card for bad credit for you will depend upon your credit history and scores.
Only you can pick which features you want and need. So, to do your research. What is exceptional for you could be devastating for another person.
And, as always, ensure to develop credit in the advised order for the best, fastest benefits. Because once your business credit scores are good, you won’t need a business credit card for bad credit.
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