6 Business Credit Cards for Bad Credit in 2026

Is bad credit holding you back from business funding? You may just be looking in the wrong place! There are numerous business credit cards for bad credit that are easy to qualify for.

We look at the best business credit card solutions that will help you finance your business, despite your bad personal credit.

Best Business Credit Cards for Bad Credit Compared

• FairFigure Lift Card
• Revenued Business Credit Card
• Capital One Spark Classic for Business
• BILL Spend & Expense (Formerly Divvy)
• Ramp Corporate Card
• Rho Corporate Card

Best Business Credit Cards for Bad Credit Compared

1. FairFigure Lift Card

If a bad personal credit score and poor credit history are getting in the way, the best strategy is to choose a business card that doesn’t require a personal credit check at all. One of the top cards for small business owners with bad credit is the FairFigure Lift Card.

The FairFigure Lift Card isn’t a business credit card; it’s a business card that helps you tap into funding based on the revenue your small business generates. The more money you make, the more you have to leverage to scale your business.

FairFigure understands the challenges a small business faces with a bad credit report. The FairFigure Lift Card stands out as a top choice for those with bad credit because:

• It’s Easy to Qualify for: All you need to qualify for the FairFigure Lift Card is at least three months in business and $2,500 in monthly recurring business revenue. You unlock this opportunity with your FairFigure Premium subscription ($35/month).
• You Receive Flexible Repayment Terms: You get to choose between paying your full balance every four or eight weeks.
• There’s No Security Deposit Required: This isn’t a secured credit card. There’s no need to provide a security deposit to get funded just because your personal credit is poor. There’s also no personal guarantee or paperwork with this unsecured card.
• You Get Access to FairFigure Tools: The FairFigure Lift Card comes with access to Guard, Pulse, and Unify. Keep tabs on your business credit report and each credit score.
• It Boosts Your Business Credit: We report your card activity to the SBFE, Equifax, Experian, and Creditsafe. This is an additional tradeline alongside FairFigure Premium, which is also reported to each major business credit bureau.

2. Revenued Business Credit Card

The Revenued Business Credit Card is another option for those with bad credit but good business revenue. It lets you circumvent the personal credit check and FICO minimum that other business cards demand.

It isn’t a secured credit card, a corporate card, or a traditional business credit card: it’s something different altogether that supports you when you have a bad personal credit score and poor credit history.

There are two parts to the Revenued business credit card: the card itself and the Flex Line, which is the funding part. It’s hard to tell exactly what you’re getting with the Revenued business credit card because they’re not the most transparent.

Here’s what we know and what you should expect.

• Funding That Scales With You: Revenued buys a portion of your future receivables to give you a cash flow infusion. As you make more, you get a higher credit limit.
• Fairly Relaxed Eligibility Requirements: Revenued only requires six months of operating history, but it does ask you to have at least $10,000 in monthly deposits.
• Fast Application: The application process is fast and simple. You should receive a decision within an hour and funding within 24 hours if you’re approved. No personal credit check or personal guarantee required.
• Build Business Credit: Revenued Business Credit Card activity does get reported to business credit bureaus. However, they don’t specify which ones.

The only potential downsides are the higher effective APR for the Flex Line and the lack of a rewards program.

3. Capital One Spark Classic for Business

Are you having trouble finding a traditional small business credit card? Most standard business credit cards have stringent qualification requirements. However, some business credit cards do give you a break, like the Capital One Spark Classic for Business.

The Capital One Spark Classic for Business is the only business credit card out of all of Capital One’s credit cards to serve business owners with bad credit or fair credit. It’s not a secured credit card either. You won’t need a security deposit to get started.

Starting with this business credit card with EIN only will get you:

• A $0 annual fee
• 1% unlimited cash back on every purchase
• 5% cash back on hotels and rental cars when you book through Capital One Travel
• Free business-grade benefits with this credit card issuer
• Support building business credit, resulting in a good credit score faster

It’s rare to find business credit cards that are designed for those with bad credit and offer rewards. If rewards are a must with your business credit card, the Capital One Spark Classic for Business card is the best business credit card when personal credit is getting in the way.

The only thing to consider is the variable APR on this no personal credit check business credit card. You do pay for having a bad personal credit score and poor credit history. There’s 28.99% variable APR with your Spark Classic card.

4. BILL Spend & Expense (Formerly Divvy)

We cover a few corporate cards as an alternative to low credit score business credit cards in this list. BILL Spend & Expense is one that’s the most accessible for those interested in a corporate card.

The BILL Spend & Expense Card offers credit limits ranging from $1000 to $5 million. This credit limit scales with you as you continue to work on building your business. You don’t have to worry about your personal credit report holding you back.

It also sets itself apart with its flexible underwriting and rewards structure. Instead of getting set rewards or a one-size-fits-all card, you get something uniquely designed for your business. This is the only one of the EIN only startup business credit cards with no credit that does this.

The BILL Spend & Expense card is integrated into BILL’s expense management platform, giving you access to tight spend controls, automatic expense management, and quality customer support.

They do conduct a soft personal credit pull. Some business credit cards for bad credit will do this. Additionally, you may be required to maintain a minimum cash balance of at least $20,000 in an active business bank account.

They report business card activity to the SBFE to help you build your business credit score.

5. Ramp Corporate Card

If you’re comparing all of the corporate business credit cards, another corporate card that’s quite popular is the Ramp Corporate Card.

The Ramp Corporate Card doesn’t require a security deposit or care about your bad credit score. As with the other business cards we mentioned here, this monthly charge card is a part of Ramp’s greater business banking and expense management platform.

The Ramp Corporate Card comes with:

• Up to 5% savings
• Over $350,000 in partner offers
• On-the-go expense management and automated transaction routing

The Ramp Corporate Card doesn’t have a personal credit check or a personal guarantee. However, corporate cards do have other qualifications that will affect your eligibility and credit limit.

For Ramp specifically, you need at least $25,000 in a U.S. business bank account to qualify.

The Ramp Corporate Card reports directly to Dun & Bradstreet.

6. Rho Corporate Card

The Rho Corporate Card is a unique business card in that it offers you a choice between daily and monthly repayment.

Beyond this, the Rho corporate credit card offers unique and desirable features, such as:

• Up to 1.5% cash back on eligible purchases
• Single-vendor cards so that you know exactly what transactions are and which card is to be used for which business expense.
• Clear card ownership and easy card canceling
• No platform fees, subscription fees, or per-card fees
• Physical and virtual employee cards
• Reporting to business credit bureaus to bolster your credit score. Inquire further about where they report before account opening to see how much of an impact you can have on your business credit score.

Daily repayment cards are easier to qualify for (and give you 1.5% cash back). If you want a monthly corporate charge card, you’ll receive 1% cash back and will need a minimum cash balance of $75,000.

Bad personal credit can hold you back from traditional business credit cards. However, it’s not a hurdle you can’t overcome as a small business owner. Instead, consider business credit cards designed for you, such as the FairFigure Lift Card and other cards mentioned above.