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largely Business Credit Card Personal guarantee is required. In other words, business owners undergo credit checks and Legal liability To pay back. It may be easier for a business owner with excellent credit to get approved, but those with incomplete credit still have a business card option. These include A safe business card, Business credit cards for bad credit And fair trust.
The best fair credit business credit cards are aimed at business owners with a FICO score of 580-669 and may offer more perks and features than you would expect. If you have Fair Credit And we need a business card, here is our pick.
Top Business Cards for Fair Credit
Compare the best business cards for fair credit
| Card name | It’s perfect for | Annual fees | Recommended Credit Score | Business Rewards |
|---|---|---|---|---|
| Capital One Spark Classic for Business* | Unsecured credit construction | $0 | Good from fair (580+) |
|
| Bill Divvy Corporate Card* | Possibility of rewards | $0 | Very good to be good (670+) |
|
| Brex Card* | High credit restrictions | $0 | n/a |
|
| Bank of America® BusinessAdvantage Unlimited Cash Rewards Secured Business Credit Card* | Earn secured rewards | $0 | Good from fair (580+) |
|
| First National Bank Omaha Bank Edition® Secure MasterCard® Credit Card* | High credit restrictions secured | $39 | Fair (620+) | n/a |
Click on the card name in the table above to see more details for that bank rate review.
How to Choose a Business Credit Card for Fair Credit
Choosing a business credit card doesn’t have to be complicated. Here are some steps to get you started:
- Please check your credit score. FICO scores of 580-669 are considered Fair Creditknowing exactly where you are standing is helpful. Your ability to qualify for a credit card depends on where your score falls on the spectrum. If you are approaching the mark for good credits, you may be able to get your business card in better terms.
- Determine your reward preferences. Whether a business card offers compensation can depend on how easy it is to qualify, whether protected or unsecured, how often you pay your balance (like a bill’s ding card). Rewards may also be offered in the form of miles or cashback, so consider your preferences when comparing cards.
- Compare prices and features. Fair credit business cards vary depending on the fees they charge and the benefits they provide. You may need a card with travel insurance, cash flow management, or a free employee card. On the other hand, you may not want to pay the annual fee.
- Find out if you need a safe business card. If your credit score is on the low side of fair credit, you may need to start your credit journey with a secure credit card for your business. This requires lowering your cash deposits as collateral, but you can reclaim your deposit when you have the opportunity to close your account in good condition or upgrade your card.
How to improve your business credit score
Having better business credits opens up a world of fundraising opportunities that are not readily available to those with poor or fair credits. To make your credits fair, from good, and even great, start with these steps.
- Make sure you have Dunn number. To create a robust business credit file, you need the Dun & Bradstreet Data Universal Number System (DUNS) number. If you don’t already have it, you can apply online.
- Be familiar with Dun & Bradstreet Rating Guide. This guide will explain the factors that really make your business credit score. Knowing this will help you improve your financial strength rating and minimize your risk rating.
- Stay aware of your loan and credit card bills. Just like building personal credits, you need to make sure you pay your bills on time each month so that you can build a positive credit history.
- Pay vendors and suppliers on time. Lenders aren’t the only ones reporting to the Business Credit Bureau. Some vendors and suppliers also provide trade line information, so if you are late in making a payment, you can report this negative information.
What’s next?
Conclusion
The best business credit cards for fair credit give you the opportunity to improve your personal and business credit history while earning daily business purchases and rewards.
You will need to check your credit score so that you can apply for business cards that you may qualify for. You can also get pre-approval of your card and use tools such as: Bankrate card matches To increase the likelihood of approval before applying.
FAQ
*Information on Capital One Spark Classic, Brex Card, Building Bee Corporate Card for Business, Bank of America Advantage Unlimited Cash Rewards Master Card®Secured Credit Card and FNBO Business Edition®Secured® Credit Card were collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.
Bank of America content for this post was last updated on May 5, 2025.
