Best Business Credit Cards for Fair Credit
WalletHub makes it easy to find the best business credit card for fair credit.
Business credit cards for fair credit are best for small business owners with credit scores of 640 to 699. The best small business credit cards for fair credit have $0 annual fees (or close to it) and give rewards equal to at least 1% of all purchases ... show more... show more
Best Business Credit Cards for Fair Credit
COMPARE BUSINESS CREDIT CARDS FOR FAIR CREDIT
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- No membership fees
- Qualify with bad credit
- Does not require security deposit
- Substantial business revenue needed to qualify
- No membership fees
- No foreign transaction fees
- Qualify with limited credit history
- Does not require security deposit
- High regular APR
- Qualify with limited or no credit history
- Relatively low security deposit
- 1% cash back on payments
- Membership fees
- High regular APR
- Foreign fee
- Rewards on eligible purchases
- Qualify with fair credit
- Membership fees
- High regular APR
- Foreign fee
- Qualify with limited or no credit history
- 1% cash back on payments
- Membership fees
- Foreign fee
- Requires security deposit
- No membership fees
- High rewards rate
- 50,000 points initial rewards bonus
- No foreign fee
- Must be paid in full each month
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- One-time fees
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
Best Business Credit Cards for Fair Credit in 2024
More generally, the best business credit cards for average credit aren’t always branded specifically for business use. Not all of them can be used to make purchases everywhere, either. Rather, the best offers for small business owners with credit scores between 640 and 699 are those offering reasonable odds of approval, annual fees that are as close to $0 as possible, and maybe even some modest rewards. Your top priority should be improving your credit standing at the lowest possible cost in order to qualify for one of the market’s best overall business credit cards sooner.
So our editors analyzed hundreds of credit card offers for people with fair credit, including personal cards and store-specific offers, in search of the top credit card deals for small business owners with fair credit scores.
Best Business Credit Cards for Fair Credit Comparison
Credit Card | Editors’ Rating | Best Feature | Annual Fee |
Capital One Spark Classic (see Rates & Fees) | 3.5/5 | 1% cash back on all purchases | $0 |
Office Depot Business Credit Card | 3.8/5 | 2% back on all purchases | $0 |
Amazon Store Card | 5/5 | 5% back on all purchases (Prime members) | $0 |
Capital One QuicksilverOne (see Rates & Fees)* | 4.7/5 | 1.5% cash back on all purchases | $39 |
OpenSky® Secured Visa® Credit Card | 4/5 | No credit check | $35 |
In choosing an offer, remember that we recommend business-branded credit cards only for everyday purchases that you can pay in full within a single billing period. Personal cards are much better equipped to meet small business financing needs given their superior user protections. In short, they’ll protect you from the arbitrary interest-rate increases that are unfortunately possible with business cards.
Methodology for Selecting the Best Business Credit Cards for Fair Credit
To identify the best business credit cards for fair credit, WalletHub’s editors start by comparing the credit score requirements of all the business credit cards in our database of 1,500+ credit card offers. After excluding the cards for which applicants with fair credit are not eligible, we compare the remaining cards based on expected cardholder savings over two years of use. This ensures that both sign-up incentives and ongoing benefits are taken into account, and it allows us to ultimately select the best fair-credit business cards across the most popular usage categories. Given the small number of business credit cards available to people with fair credit, we also supplement our selections with stand-out consumer credit cards that provide competitive terms.
Business Credit Cards for Fair Credit FAQ
Comparing business credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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* The information about the following cards has been independently collected by WalletHub: Sunoco Gas Card, Sam's Club® Business Store Card, Office Depot Business Credit Card, Amazon Store Card, First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card, Business Advantage Unlimited Cash Rewards Secured credit card, and Petal® 2 Visa® Credit Card.
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