Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Here are the best business cards to build credit
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Corporate cards Brex Card Apply now on Brex's website | 3.2/5 | $0 | N/A | N/A | Apply now on Brex's website |
Corporate cards Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | N/A | N/A | Apply now on Ramp's website |
Corporate cards BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 | $0 | N/A | N/A | Apply now on BILL Spend & Expense's website |
Business credit card for fair, average credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | N/A | 18.49%-35.99% Variable APR | Apply now on Capital on Tap's website |
Secured cards to build personal credit Discover it® Secured Credit Card Apply now on Discover's website, or call 800-347-0264 Rates & Fees | 5.0/5 | $0 | 10.99% intro APR on Balance Transfers for 6 months | 28.24% Variable APR | Apply now on Discover's website, or call 800-347-0264 Rates & Fees |
Secured cards to build personal credit Capital One Quicksilver Secured Cash Rewards Credit Card Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | N/A | 29.99% Variable APR | Apply now on Capital One's website Rates & Fees |
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Corporate cards Brex Card Apply now on Brex's website | 3.2/5 | $0 | N/A | N/A | Apply now on Brex's website |
Corporate cards Ramp Card Apply now on Ramp's website | 2.8/5 | $0 | N/A | N/A | Apply now on Ramp's website |
Corporate cards BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 2.7/5 | $0 | N/A | N/A | Apply now on BILL Spend & Expense's website |
Business credit card for fair, average credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 3.8/5 | $0 | N/A | 18.49%-35.99% Variable APR | Apply now on Capital on Tap's website |
Secured cards to build personal credit Discover it® Secured Credit Card Apply now on Discover's website, or call 800-347-0264 Rates & Fees | 5.0/5 | $0 | 10.99% intro APR on Balance Transfers for 6 months | 28.24% Variable APR | Apply now on Discover's website, or call 800-347-0264 Rates & Fees |
Secured cards to build personal credit Capital One Quicksilver Secured Cash Rewards Credit Card Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | N/A | 29.99% Variable APR | Apply now on Capital One's website Rates & Fees |
I'M INTERESTED IN:
Our picks for
Corporate cards
Brex Card
on Brex's website
Pros
- No annual fee
- New cardholder bonus offer
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Pros
- No annual fee
- New cardholder bonus offer
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Ramp Card
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Rewards rate varies and is determined for each customer by Ramp.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $50,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Pros
- No annual fee
- Card-level spending controls
Cons
- Complicated rewards structure with limits on redemption
- Balance must be paid in full each billing cycle
- Not available to sole proprietors.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
Our pick for
Business credit card for fair, average credit
Pros
- Earn unlimited 1.5% cash back on all purchases
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our picks for
Secured cards to build personal credit
Discover it® Secured Credit Card
Pros
- No annual fee
- Reports to the three major credit bureaus
- Qualify with limited/bad credit
- Earns rewards
- New cardholder bonus offer
Cons
- Requires minimum deposit
- High APR
Discover it® Secured Credit Card
Pros
- No annual fee
- Reports to the three major credit bureaus
- Qualify with limited/bad credit
- Earns rewards
- New cardholder bonus offer
Cons
- Requires minimum deposit
- High APR
- No credit score required to apply.
- No Annual Fee, earn cash back, and build your credit history.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
View Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card
Pros
- Qualify with limited/bad credit
- Reports to the three major credit bureaus
- Earns rewards
- No minimum redemption amount
- Rewards don't expire
- No annual fee
Cons
- High APR
- No new cardholder bonus offer
- No bonus categories
Capital One Quicksilver Secured Cash Rewards Credit Card
Pros
- Qualify with limited/bad credit
- Reports to the three major credit bureaus
- Earns rewards
- No minimum redemption amount
- Rewards don't expire
- No annual fee
Cons
- High APR
- No new cardholder bonus offer
- No bonus categories
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
View Rates & Fees
NerdWallet's editorial picks: Best business cards to build credit
Corporate cards
Business credit cards for fair, average credit
Secured cards to build business credit history
First National Bank Business Edition® Secured Mastercard® Credit Card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
Secured cards to build personal credit
How do you apply for a business credit card?
- Know your credit score. Most issuers check your personal credit score when you apply for a business credit card because you will need to guarantee the debt (i.e., promise to repay it if your business can't). Your options will be limited if you have a FICO score below 630, which is considered bad credit. If you have time, take some quick steps to build credit — like paying off existing debt or disputing errors on your credit report — to help your score before applying.
- Find the right card for your business. Poor or thin credit may be the biggest factor in the card you choose, but you’ll still want to consider a card’s terms and individual features to determine the best fit for your company. First National Bank’s business secured card charges an annual fee, for example, but offers a higher potential credit line (with deposit) than other secured cards.
- Make your deposit, if necessary. No-deposit business credit cards for bad credit are uncommon. Most likely, you’ll have to opt for a secured credit card that requires a deposit, which the lender can take in instances of nonpayment. Bank of America’s business secured card, for example, requires a security deposit of at least $1,000 and then limits your spending to that deposited amount.
- Use your business credit card wisely. Getting a business credit card won’t help bad personal credit: Most business card providers only report negative behavior to consumer credit bureaus. But good habits like making on-time payments and paying in full can build your business credit. Plus, some issuers, like Bank of America, will monitor your secured card usage and let you upgrade to an unsecured account.