You need a credit score of at least 700 to get one of the best business credit cards on the market. Although the top business credit cards usually require at least good credit for approval, there are still options for small business owners with fair, limited, or bad credit. In other words, you can get a business credit card with pretty much any credit score, though the most attractive offers are reserved for the most creditworthy applicants.
Note that your personal credit score will still be taken into account, even though you’re applying for a business credit card. The higher your personal score is, and the more income you have relative to your debt, the better your chances of approval will be.
Popular Business Credit Cards by Credit Score Requirement
- Rates & FeesExcellent Credit:
Citi® / AAdvantage Business™ World Elite Mastercard®
Learn MoreLearn Moreon issuer's website - Good Credit:
Ink Business Cash® Credit Card
Learn MoreLearn Moreon issuer's website - Fair Credit:
Capital One Spark Classic for Business
Learn MoreLearn More - Limited Credit History:
Brex Corporate Card for Startups
Learn MoreLearn Moreon issuer's website - Bad Credit:
Business Advantage Unlimited Cash Rewards Secured credit card
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- Excellent Credit:
- Good Credit:
- Fair Credit:
- Limited Credit History:
- Bad Credit:
In general, good-to-excellent credit gets you access to the biggest sign-up bonuses, the highest ongoing rewards rates, and lots of options with no annual fee. People with lower scores will most likely have to choose between low fees and other perks.
Credit card companies rely on personal credit to evaluate business credit card applications because personal credit histories are usually longer. Therefore, they tend to be more predictive. Most credit card companies also consider a business owner’s personal finances to be intertwined with the business. That’s often true, since personal savings are the top source of start-up capital for new businesses.
This answer was last updated on 09/09/24 and it was first published on 05/17/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.