Business Credit Cards for Fair Credit

Fair credit can be an obstacle to obtaining business funding. However, there are business credit cards out there with more lenient requirements.

We’ve compiled some of the top business credit cards for fair credit to help you source the best cards for financing your business.

Best Business Credit Cards for Fair Credit

Card Name	APR/Fees	Additional Features
FairFigure Capital Card	$0	Flexible payback terms, credit-building support, EIN-only.
Capital One Spark 1% Classic Card	29.74% APR	Unlimited 1% cash back, extra 5% cash back on hotels and rental cars.
Capital One QuicksilverOne Credit Card	29.74% APR + $39 annual fee	1.5% cash back.
Capital One Spark 1.5% Cash Select Card	17.49% - 23.49% APR	1.5% cash back, extra 5% cash back on hotels and rental cars, one-time $500 cash bonus.
AtoB Fuel Card	$35 account opening fee, $15/month for 5 cards ($3 afterward), $3/month for premium membership	Fuel rebates from $0.45 to $2.00 per gallon (more with Premium).
Coast Fuel Card	$4 per card monthly	Fuel rebates up to $0.10 per gallon, 1% cash back on all other eligible purchases.
Capital on Tap Business Credit Card	17.49% - 86.99% APR	1.5% to 2% cash back.
Ramp Corporate Card	$0	Up to 5% savings and partner rewards.
Brex Corporate Card	$0	Up to 7x points and partner rewards.

Business Credit Cards for Fair Credit

1. FairFigure Capital Card 2. Capital One Spark 1% Classic Card 3. Capital One QuicksilverOne Credit Card 4. Capital One Spark 1.5% Cash Select Card 5. AtoB Fuel Card 6. Coast Fuel Card 7. Capital on Tap Business Credit Card 8. Ramp Corporate Card 9 Brex Corporate Card

1. FairFigure Capital Card

If fair credit is getting in the way of business funding, the [FairFigure Capital Card](https://fairfigure.com/card) is the best business credit card to consider applying for.

The FairFigure Capital Card is a revenue-based financing solution. Your credit limit is determined by how much you make, and your credit limit scales with you.

It’s a business credit card EIN only, which means you don’t have to worry about a personal credit check. It also requires no personal guarantee or paperwork to get started.

What does it offer? The FairFigure Capital Card comes with perks like:

• Flexible four to eight-week payback terms
• Credit-building support. Your card is reported as a tradeline to the SBFE, Creditsafe, Equifax, and the FairFigure Foundation report. This is alongside your FairFigure subscription, which is also reported as a tradeline.
• Cash back on vendor purchases
• No security deposit or annual fee

Financing your business can be challenging, especially if you don’t have the right business credit-building tools.

If your business generates $2,500 in monthly revenue and is at least three months old, you can fund your business and start building your business credit with the FairFigure Capital Card.

Consider the FairFigure Capital Card if you want guaranteed business credit card approval.

2. Capital One Spark 1% Classic Card

The [Capital One Spark 1% Classic](https://www.capitalone.com/small-business/credit-cards/spark-classic/) is one of the top choices if you want a traditional business credit card that is designed around your current FICO credit score.

As the name indicates, the Capital One Spark Spark 1% Classic offers unlimited 1% cash back on all purchases.

Alongside unlimited 1 cash back, they do offer additional incentives in the form of 5% cash back when you book hotels and rental cars that you book through their travel site.

Beyond that, the Capital One Spark 1% Classic Card is fairly tame in terms of its offerings. It offers a $0 annual fee, free business-grade benefits, and credit-building support.

The one major downside of this card is its high APR. Your card comes with a 29.74% variable APR. Unlike other cards, it doesn’t offer a promotional period.

The Capital One Spark Spark 1% Classic card is built for business owners with fair credit. But you still may want to consider other options on this list to ensure you’re getting the best terms.

3. Capital One QuicksilverOne Credit Card

Many of Capital One’s business cards are designed for the small business owner with excellent credit. However, some personal cards are often recommended for businesses, like sole proprietorships, such as the [Capital One QuicksilverOne Credit Card](https://www.capitalone.com/credit-cards/quicksilverone/).

The Capital One QuicksilverOne credit card offers slightly more cash back than the previous Capital One card. With the Capital One QuicksilverOne, you’ll get 1.5% cash back on every purchase.

This one has the same APR, sitting at 29.74% variable APR. It also comes with an annual fee of $39.

While the Capital One QuicksilverOne credit card is recommended for sole proprietors, it’s worth noting that using personal credit cards for business purposes can become a problem rather quickly.

If you fail to make a payment or your sole proprietorship begins struggling, your personal credit score will plunge as a result. Your business structure may also leave you vulnerable. Your personal assets could be at risk because of your debt.

Think carefully about both being a sole proprietor and using a personal credit card to fund your business.

4. Capital One Spark 1.5% Cash Select Card

Aside from the Capital One Spark Spark 1% Classic card, all of their other business credit cards require excellent credit. However, it doesn’t seem like you’re limited to the Capital One Spark Spark 1% Classic Card. The [Capital One Spark 1.5% Cash Select card](https://www.capitalone.com/small-business/credit-cards/spark-cash-select/) may be attainable.

The Capital One Spark 1.5% Cash Select is a major upgrade from the fair credit small business credit cards listed above. With the Capital One Spark 1.5% Cash Select, you receive:

• 1.5% unlimited cash back on all purchases. Plus, an additional unlimited 5% cash back on purchases like hotels and rental cars booked through their travel site.
• A $500 cash bonus if you spend $4,500 within three months of opening your card. This statement credit isn’t present in the other Capital One options above.
• A $0 annual fee.
• A much lower variable APR of 17.49% - 23.49%, depending on the creditworthiness of the cardholder.
• Business benefits, and features like $0 fraud liability, virtual card numbers, and beyond.

It’s important to highlight that Capital One lists the Capital One Spark Spark 1% Classic card as one you can only get with excellent credit.

However, other sources, like Credit Karma, state that you can get this card with good credit. Reach out to Capital One to see if they’re flexible with what credit score you need to apply. You might be able to get this card even with a low credit score.

5. AtoB Fuel Card

Traditional business credit cards aren’t the only cards that you can get with fair credit or bad credit. There are many alternatives that you can secure with low credit and limited credit history (if your personal credit score matters at all). The [AtoB Fuel Card](https://www.atob.com/product-fuel-cards) is one such option.

The AtoB Fuel Card and other cards on this list, like the Coast Fuel Card, are fleet cards. That means you will have to have a fleet for your business in order to qualify.

If you do meet this eligibility requirement, the AtoB Fuel Card has a lot to offer. This card offers a wealth of fuel rebates, helps you build credit with Experian, and allows you to boost your rewards with a premium membership.

The AtoB Fuel Card is one of the many business credit cards with no personal credit check.

Fuel cards will cost your business, however.

In the case of the AtoB Fuel Card, there’s a $35 one-time fee for account opening, $15 a month for five cards, and $3 a month if you need any more cards for the drivers in your fleet. If you do want a premium membership, that will cost you an extra $3 per month as well.

That being said, it can save you money in the long run in the form of rebates. It can also be used for eligible purchases outside of fuel, and it doesn’t have the same limitations as fuel cards backed by major gas station companies.

6. Coast Fuel Card

If you want a cheaper fuel card alternative, consider the[ Coast Fuel Card](https://coastpay.com/).

The Coast Fuel Card is designed for fleets of any size. For example, even if you only have a fleet of five cars, you’ll qualify for the Coast Fuel Card. Much like with the AtoB Fuel Card, it’s also one of the few fuel cards out there that don’t require a personal credit check.

The Coast Fuel Card is substantially more affordable than the AtoB Fuel Card. They only charge $4 a month per card.

Your Coast Fuel Card comes with fuel rebates that could save you up to 10 cents per gallon across a wide range of popular fuel stations. No matter where it is you go to refuel, you can get a discount on these essential business expenses.

You also earn 1% cash back for eligible purchases made outside of gas stations that are needed to keep your fleet running.

The Coast Fuel Card is rather simple, but it’s a great fleet card that will help you save money and keep your business operating, no matter what your credit score might be.

7. Capital on Tap Business Credit Card

The biggest problem with business credit cards is that many aren’t designed around your needs. If you’re a small business with limited credit history trying to fund your business, you may feel frustrated with your options. Instead, you can turn to the [Capital on Tap Business Credit Card](https://www.capitalontap.com/us/).

The Capital on Tap Business Credit Card is made for all small business owners. Even if you have fair credit or bad credit, you’ll likely qualify for the Capital on Tap Business Credit Card.

You can see how the Capital on Tap Business Credit Card varies greatly from other business credit cards almost immediately. This business credit card boasts:

• A rapid application process
• 1.5% cash back on eligible purchases (2% cash back with weekly autopay turned on)
• 24/7 customer service
• No annual fees for foreign transaction fee
• High credit limits of up to $50,000

It’s a solid card overall that will consider those with fair credit. It’s also one that can help you build credit, as the Capital on Tap Business Credit Card is reported to Dun & Bradstreet, Experian, and Equifax.

The one issue with the Capital on Tap Business Credit Card that needs to be highlighted is the interest rate. Variable APR could be as low as 17.49%, but it can also reach as high as 86.99%. That’s eyewatering in comparison to most traditional business credit cards.

According to Capital on Tap, the average rate offered from May to June of 2025 was 41.23%. This is likely because many business owners had a lower personal credit score. The higher your personal credit score, the better the terms.

With the Capital on Tap Business Credit Card, you will be paying significantly more than you should when you carry a balance. If you have bad personal credit, consider other options.

8. Ramp Corporate Card

Besides fleet cards, corporate cards are a great choice when you need a business card designed for business owners with fair credit or bad credit. One of the top choices is the [Ramp Corporate Card](https://ramp.com/corporate-cards).

The Ramp Corporate Card is a charge card that is designed to streamline your financial needs. When used alongside Ramp expense management services, you’ll find it easier to track financial developments and manage your accounting needs.

The Ramp Corporate Card offers numerous benefits, such as:

• Up to 5% savings on eligible purchases and partner offers, which can help you reduce business spending costs
• The ability to create unlimited virtual employee cards or order physical cards
• Automated expense management
• Strong spend controls for your business card
• Personalized workflows
• And more

Corporate charge cards focus more on your business and its revenue than it does on credit. You’ll fare well with startup business credit cards with no credit EIN only if you have fair credit and limited credit history.

However, this often means that you’re subject to more stringent eligibility requirements. Your personal credit score doesn’t matter as much, but other factors will.

The Ramp Corporate Card is much easier to qualify for than other corporate cards. If you have a business with at least $25,000 stashed away in a business checking account, they’ll consider you.

Just make sure you have a business structure, solid revenue, and other basic requirements.

What we like about this corporate charge card is that it will help you build business credit. While your credit won’t play much of a role in getting the card, you will boost your credit score so that you can access other funding opportunities.

The Ramp Corporate Card reports to D&B, Experian, and Equifax.

9. Brex Corporate Card

The [Brex Corporate Card](https://www.brex.com/product/credit-card) is another great choice if you’re on the hunt for a business credit card that will accept your fair credit score.

The Brex Corporate Card offers many of the same benefits as Ramp. You’ll find that nearly every top corporate card offers the same benefits because they’re baked into expense management services.

Where the Brex Card stands out is with its rewards. While it still offers partner savings, it also offers tiered points.

You can get 7x points on rideshare, 4x points on Brex travel, 3x points on restaurants, 2x points on software, and 1x points on all other purchases. If you’re a big fan of rewards, the Brex Card is for you.

The Brex Card doesn’t state its eligibility requirements outright. It offers flexible underwriting to give you a card built around your needs. However, strong business activity and high monthly revenue will never hurt when applying for cards like these.

This is another great card for helping you build your business credit without affecting your personal credit. They also report to D&B, Experian, and Equifax.