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Fantastic Business Credit Cards for Low Credit

Published By Janet Gershen-Siegel at January 29th, 2019

Enticing Business Credit Cards for Low Credit

We examined a ton of business credit cards for low credit. We did the research for you. So here are our favorites.

According to the SBA, corporate credit card limits are a whopping 10 – 100 times those of personal cards!

This means you can get a lot more cash with corporate credit. And it also means you can have personal credit cards at retail stores. So you would now have a second card at the same shops for your small business.

And you won’t need collateral, cash flow, or financials in order to get company credit.

Credit Card Benefits

Advantages vary. So be sure to choose the perk you prefer from this assortment of possibilities.

Cards for Low Credit: 0% APR – Pay Zero!

For a 0% APR period, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no yearly cost. It’s got an interest-free time period. It has versatile cash-back rewards. There are spending limits for employees. But you will need to have a credit score of 690 or higher.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn twice the points on regular business expenses up to an annual limit. But the standard APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

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Check out our professional research and score the best credit cards for your business.

Business Credit Cards for Low Credit: Reliable Low APR/Balance Transfers

For Low APR/Balance Transfers, we prefer the U.S. Bank Business Edge Platinum. So you start with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer fee.

Thereafter, the purchase APR is a variable 10.49% – 18.49%. And this depends on creditworthiness. There is no yearly fee. But this card is solely on offer to people with great or exceptional credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus from American Express

Also, have a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no yearly fee.

Right now companies can get double points. But this is on the initial $50,000 in purchases annually.

Get it here: https://creditcard.americanexpress.com/blue/

Business Credit Cards for Low Credit: Credit Builder

Check out the Wells Fargo Business Secured Credit Card. It enables cardholders to secure a credit limit of $500 – $25,000. The amount offered is the same as the amount of money you supply to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the annual fee is $25. But the more cards you have, the more expensive your yearly fee is going to be.

This card lets company owners with bad personal credit to acquire a card to make purchases and establish business credit.

But the card will just report to the personal credit bureaus if you default or are behind on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

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Check out our professional research and score the best credit cards for your business.

Business Credit Cards for Low Credit: Cash Back

Check out SimplyCash Plus Business from American Express. So you can earn up to $400 cash back. Get a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to first $50,000 of yearly spending.

You also get 3% cash back on spending category of your choice. So this is from eight separate categories. They include air travel, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending.

In addition you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard

Also, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can earn a $200 statement credit. But this is after $500 in purchases . And that is within 60 days of account opening.

You also get 3% cash back on purchases at filling stations and office supply stores. But this is as much as $250,000 annually.

Also, you get 2% cash back on purchases at restaurants. And get 1% cash back on all purchases. Also, there is no annual fee. But it is available to applicants with excellent credit.

But you can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Spark Cash Select From Capital One

Furthermore, take a look at the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is without limitations.

New cardholders can also get a $200 cash bonus. But that is once they spend $3,000 on new purchases. So this is during the first three months of account opening.

New customers also get initial APR of 0% on purchases. But that is for nine months. Also, there is no annual fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Business Credit Cards for Low Credit: Luxurious Travel Points

FairPoorCreditCards - Fantastic Business Credit Cards for Low CreditFor Travel Points, we like Gold Delta SkyMiles Business from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is within your first three months. Terms and limitations apply.

Also earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made straight with Delta. Also, earn one mile per qualifying dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out Business Platinum from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also get Gold Status when you enroll in the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point per dollar spent on the majority of purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on qualifying purchases. But this is up to one million more points annually. Get five points per dollar. But this is for spending flights and prepaid hotels from the American Express Travel web site.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, make sure to check out Ink Business Preferred from Chase. Earn 80,000 bonus points. But this is once you spend $5,000 on purchases. And it is in the first three months from account opening.

Get three points per dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, get one point for each dollar on all other purchases. There is no limitation to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

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Check out our professional research and score the best credit cards for your business.

Business Credit Cards for Low Credit: Jackpot Rewards

Consider Business Gold Rewards from American Express OPEN. So you can get 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card within first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the remaining categories.

Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year. But then afterwards your annual fee rises to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Platinum from American Express OPEN

Also, have a look at Business Platinum ® from American Express OPEN. So you can get as much as 75,000 Membership Rewards points at the time of account opening.

Also earn 50,000 Membership Rewards points. But this is subsequent to spending $10,000.

In addition, get 25,000 more points. But that is after spending an additional $10,000 all on eligible purchases. But this is within the first three months.

And also you can get five times the Membership Rewards points. So this is on airline flights and pre-paid hotels on amextravel.com. But it has a $450 annual fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Business Credit Cards for Low Credit: Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will have to have a credit score of 690 or better.

But NOTE: the standard APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Your Best Business Credit Cards for Low Credit

Your very best cards for low credit are based on your history and scores. Just you can determine which features you want and need. So be sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make sure to build credit in the prescribed order for the best, fastest benefits.

Check out how this will help your company get cards.

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