Get 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 10 – 100 times those of personal cards.
This means you can get a lot more cash with corporate credit. 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/
Business Credit Cards for Low 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/
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/
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
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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
For 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
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
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 5 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
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.
