6 Secured Business Credit Cards That Report to D&B

Secured business credit cards give small businesses the opportunity to build business credit without a pre-existing credit history.

This is especially true as it pertains to reporting to major business credit bureaus like Dun & Bradstreet (D&B).

Not all banks and institutions report activity to D&B, which can complicate your search, a task made even more difficult considering the limited number of secured business credit cards available.

Here are six secured business credit cards (and related options) that report to D&B and other credit bureaus like Equifax Business/Equifax Small Business, Experian Business, and the Small Business Financial Exchange that you should consider applying for.

Secured Business Credit Cards That Report to D&B

1. FairFigure Capital Card
2. Valley Visa Secured Business Credit Card
3. FNBO Business Edition Secured Mastercard
4. Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card
5. BILL Divvy Corporate Card
6. Hello Alice Small Business Secured Mastercard

1. FairFigure Capital Card

Looking for a way to access funding with limited credit and greatly improve your business credit score and history moving forward? The FairFigure Capital Card is one of the top cards worth considering as you begin your credit-building journey.

Aptly named a business credit builder card, the FairFigure Capital Card is a stand-out choice because it’s not a secured card, but something altogether different.

While you still provide FairFigure with more information about your business and monthly recurring revenue so that you can tap into funding, you’re not expected to make a deposit to receive a credit line.

No credit is needed to apply. To qualify, your business needs at least $2,500 in checking or savings account deposits and to have been around for at least 3 months.

The FairFigure Capital Card offers a host of notable benefits beyond just credit reporting to the business credit bureaus as well, including:

• One of the few EIN only business credit cards, having no effect on your personal credit and credit utilization or personal credit report overall
• No personal guarantees
• Cashback on partner vendor purchases
• Additional funding offers with consistent on-time payments
• Customized payback terms

While FairFigure doesn’t report your payments directly to Dun & Bradstreet, it does report them to the SBFE, which reports payments to D&B and other credit bureaus. FairFigure will also report your payments to Equifax Commercial and Creditsafe.

The FairFigure Capital Card doesn’t have any annual fees, but it does require a monthly membership subscription fee to their business credit monitoring platform at $30 per month.

Subscription payments are reported to the business credit bureaus. So you get two business tradelines when you sign up for the FairFigure Card!

If you’re looking to build credit without opening a secured credit card or charge card, the FairFigure Capital Card is an excellent choice.

2. Valley Visa Secured Business Credit Card

While there are limited secured business credit cards to choose from that report to D&B, you do still have access to traditional banking options if you want them. One such choice is the Valley Visa Secured Business Credit Card.

The Valley Visa Secured Business Credit Card from Valley Bank offers small businesses the opportunity to tap into a credit line of up to $25,000.

They do require you to deposit 110% of your desired credit limit and will require a credit check and a personal guarantee, so this is important to know upfront.

However, the Valley Visa Secured Business Credit Card offers quite a few perks that make it a desirable secured card for small business owners.

This includes a 0% introductory APR for the first six months, no annual fees, and fraud protection.

Better yet, their APR after the introductory period may range anywhere from 16.20% to 27.75%. (Keep in mind that a business loan like a cash advance always comes with higher interest rates.)

Valley Bank may not be as prominent or as well-known as other banking institutions, but it does offer one of the best business credit cards that’s worth considering if you want to build your business credit score.

3. FNBO Business Edition Secured Mastercard

The Business Edition Secured Mastercard from the First National Bank of Omaha is a solid choice for a secured credit card, albeit not necessarily as popular as some of the other options in this guide.

The FNBO Business Edition Secured Mastercard can help small businesses establish credit history, improve their business credit score, and secure their own credit line ranging from $2,000 to $10,000 (deposit must be in multiples of $100, no matter the credit limit).

Unlike other secured credit cards, the FNBO Business Edition Secured Mastercard does offer interest on your security deposit, which can be a major benefit that smaller businesses are looking for as they work towards building good business credit.

That being said, it comes at the cost of a $39 annual fee and a variable 25.99% APR.

There are a few trade-offs to consider if you’re looking into this secured credit card, but it’s still an option at your disposal.

4. Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card

Bank of America is one of the most recognizable card issuers on this list, and it’s no surprise that they offer their own Business Advantage Unlimited Cash Rewards Secured Business Credit Card.

The Bank of America is a fairly standard secured credit card, offering unlimited 1.5% cash back on all purchases, no annual fee, and the ability to move over to an unsecured credit card as you build your credit.

The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card has a lot to offer, but the only downside is the high variable APR, which comes in at 28.49%.

It’s a very straightforward and simple secured business credit card to help you build your business credit score while managing business expenses, which may be the right choice for some businesses at this point in time.

5. BILL Divvy Corporate Card

The BILL Divvy Corporate Card is one of the few charge cards out there that is easy to qualify for any size business.

The BILL Divvy Corporate Card offers credit lines of anywhere from a meager $500 to a whopping $5 million, helping businesses of any size tap into the funding that they need and improve their cash flow.

As part of the BILL Divvy ecosystem, what you receive is a strong financial ecosystem of tools that help you stay on top of financial operations, something that the BILL Divvy Corporate Card integrates seamlessly into.

It boasts flexible underwriting, no annual fees, strong expense management features, and flexible rewards, all while helping you build payment history with credit reporting agencies.

While they do offer rewards, they’re often not as attractive to business owners looking into other charge card options, and there aren’t too many selling points that come with other charge cards or secured credit cards either.

The BILL Divvy Corporate Card is still worth looking into if you want a flexible charge card that is more obtainable in comparison to the Brex Card or Ramp.

6. Hello Alice Small Business Secured Mastercard

Last but not least, the Hello Alice Small Business Secured Mastercard is a wonderful option for those who not only want access to funding but to valuable financial resources as well.

Starting with the Hello Alice Small Business Secured Mastercard, the card itself comes with 0% APR for the first six months (variable APR of 19.99%-28.99% after), $0 in annual fees, and a rewards program that helps you earn points by spending, learning, and more.

Continuing with the learning elements, the Hello Alice Small Business Secured Mastercard offers one-on-one business coaching resources, virtual learning events, and other educational resources to help you improve your business over time.

Whereas most secured cards will only reward you for purchases, the Hello Alice Small Business Secured Mastercard rewards you for improving your business knowledge base, all while boosting your credit score.

It’s a bit different when it comes to secured credit cards, but we think it’s still an excellent choice for businesses that don’t mind a little bit of a higher APR when it’s accompanied by other benefits and a robust rewards program.

How FairFigure Can Help You Get Funding While Building Your Business Credit

When it comes to funding your business with limited credit, there’s no shortage of options at your disposal.

However, you’ll want to consider FairFigure as one of your top options for building business credit while tapping into the funding you need.

The FairFigure Card makes it easy to access funding based on your revenue, all without required deposits, personal credit checks and guarantees that could affect your personal credit score, and strict daily repayments.

More than that, our multi-bureau business credit monitoring services can help you stay on top of your business credit score and business credit report for just $30/month, for which your premium member payments are reported to the SBFE as a vendor tradeline.

If you want access to funding with fewer restrictions and more opportunities, begin your journey here with FairFigure.