{"id":23379,"date":"2025-11-29T04:10:42","date_gmt":"2025-11-29T04:10:42","guid":{"rendered":"https:\/\/finderica.com\/?p=23379"},"modified":"2025-11-29T04:10:42","modified_gmt":"2025-11-29T04:10:42","slug":"best-secured-business-credit-cards-of-2025","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=23379","title":{"rendered":"Best Secured Business Credit Cards of 2025"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Secured business cards aren&#8217;t common. Those with good rewards, even more so. After reviewing the available options, our editorial team&#8217;s top choice is the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae Secured credit card<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">.<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">This card has no annual fee and earns unlimited <\/span><span class=\"_28z5Fp _3-to_p\">1.5<\/span><span class=\"_28z5Fp _3-to_p\">% cash back. It&#8217;s also a stepping stone to getting a credit line from a major bank. That&#8217;s a big plus for growing businesses \u2014 and applicants with personal credit scores below 690.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Secured business cards are best if your credit score doesn&#8217;t hit that number. But if personal credit is a challenge, consider a secured personal card as well (<\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"#personal\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_self\"><span class=\"_28z5Fp _3-to_p\">we&#8217;ve highlighted a few below<\/span><\/a><span class=\"_28z5Fp _3-to_p\">). Those cards can help improve those scores. And that can set your business up to get unsecured financing in the future.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3J6REL\"><span class=\"_21EZtY _3VmbAf _8DgC29 _28z5Fp _3_lrZT\">Bank of America<\/span><\/p>\n<p class=\"_3VmbAf _28z5Fp\">Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae Secured credit card<\/p>\n<\/div>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-4-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-4-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3wlVa6 _2247K8\">\n<div class=\"_3wlVa6 _2247K8 _2_3eV4 ebRntp l6ELS5\">\n<div class=\"_3wlVa6 _2247K8 _2_3eV4 _2xadhC\"><span class=\"_28z5Fp _2yIVG9\" style=\"font-weight:325\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\"><\/span><\/p>\n<div class=\"ReactCollapse--collapse\" style=\"overflow:hidden;height:0\">\n<div class=\"ReactCollapse--content\">\n<div class=\"_3wlVa6 _2247K8 _3ZnmUT paYFr8\" style=\"font-weight:325\">\n<div class=\"_28CJ7N _1voSX6 oE4ByK\">\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">250+ small-business products<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> reviewed and rated by our team of experts.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">80+ years<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> of combined experience covering small business and personal finance.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"vRhsJJ\">\n<div class=\"PIqV0k vRhsJJ\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\" fill=\"none\" style=\"margin-top:2px;margin-right:0.5rem;min-width:20px;min-height:20px\"><default:path d=\"M9.99984 1.72119C5.39984 1.72119 1.6665 5.45452 1.6665 10.0545C1.6665 14.6545 5.39984 18.3879 9.99984 18.3879C14.5998 18.3879 18.3332 14.6545 18.3332 10.0545C18.3332 5.45452 14.5998 1.72119 9.99984 1.72119ZM8.33317 14.2212L4.1665 10.0545L5.3415 8.87953L8.33317 11.8629L14.6582 5.53786L15.8332 6.72119L8.33317 14.2212Z\" fill=\"#008254\"><\/default:path><\/default:svg> <\/p>\n<div class=\"HJYkLP\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Objective comprehensive business credit card ratings rubric (<\/span><span class=\"_28z5Fp _3-to_p\">Methodology<\/span><span class=\"_28z5Fp _3-to_p\">).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS&#8217;s business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows SS&#8217;s <\/span><span class=\"_28z5Fp _3-to_p\">strict editorial guidelines<\/span><span class=\"_28z5Fp _3-to_p\"> to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How we chose the best secured business credit card<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS rates business credit cards on their overall value. Factors in that evaluation include fees, rewards, bonus offers and other noteworthy perks.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Secured business cards usually aren\u2019t rich with features. Their primary purpose is establishing a tradeline and <\/span><span class=\"_28z5Fp _3-to_p\">building business credit<\/span><span class=\"_28z5Fp _3-to_p\">. Of course, you can do that by using almost any business credit card responsibility. But most of those require a personal credit score of at least 690. Secured options extend that benefit to those with lower scores.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">With that in mind, we prioritized the following:<\/span><\/p>\n<\/div>\n<div data-currency=\"Columns\" class=\"_1LKquO td77J8 _2DPHJa _1r_py0 _33JiRF _2F9T-X _1xbdug _2TtTbq _3UifXY\">\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk _1M3A6J\" style=\"grid-column-start:\">\n<h4 class=\"_3P4ktl _2LuWPZ _28z5Fp N36gAq\" data-currency=\"Text\"><span class=\"_3P4ktl _2LuWPZ _28z5Fp _3-to_p\">Key features for secured business credit cards<\/span><\/h4>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Is there an annual fee? <\/span><\/span><\/span><\/span><span class=\"_28z5Fp _3-to_p\">We\u2019re not against fees \u2014 you can potentially <\/span><span class=\"_28z5Fp _3-to_p\">deduct them as business expenses<\/span><span class=\"_28z5Fp _3-to_p\">, after all. But the benefits of a card should far outweigh that cost. Paying a fee only to establish business credit isn&#8217;t worthwhile enough. That&#8217;s especially because there are free ways to do so (getting a <\/span><span class=\"_28z5Fp _3-to_p\">DUNS number<\/span><span class=\"_28z5Fp _3-to_p\">, for instance).  <\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">How much is the deposit?<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">You need to provide a refundable deposit for a secured card. It makes these cards less risky for issuers. They can seize that deposit if you don&#8217;t pay. Minimum deposits should be low enough so a product is accessible and doesn&#8217;t hamstring liquidity. <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><br \/>\n<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Are there upgrades?<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> You can often graduate to an unsecured line of credit by using a secured card responsibly. Ideally, the card&#8217;s issuer not only offers those upgrades, but also does so proactively.   <\/span><\/p>\n<\/div>\n<\/div>\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _2POQnB _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2Ru-tk qVG6Ts\" style=\"grid-column-start:\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">\ud83e\udd13 <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">What else does the card offer?<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> The best secured options do more than report payment history to a commercial credit bureau. They also reward your spending and include other features that benefit your business.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What\u2019s the best secured business credit card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae Secured credit card<\/span><\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is our editorial team&#8217;s top pick for secured business credit cards. Its key details:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security deposit:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> At least $1,000.<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing rewards: <\/span><\/span><span class=\"_28z5Fp _3-to_p\">1.5<\/span><span class=\"_28z5Fp _3-to_p\">% unlimited cash back on all purchases.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bank of America is the only major credit card issuer with a secured option for business owners. But the card still stands out on its own merit. Here&#8217;s what to know about it. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">You&#8217;ll <\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">e<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">a<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">r<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">n<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> good<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> cash back<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">This card&#8217;s <\/span><span class=\"_28z5Fp _3-to_p\">1.5<\/span><span class=\"_28z5Fp _3-to_p\">% cash back is the highest we saw among secured business cards. Many offered no rewards, yet still charged annual fees. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">It includes business credit access<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Secured business cards are a great tool for establishing credit in your company\u2019s name. That&#8217;s especially the case if you can&#8217;t qualify for other financing due to poor personal credit. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">As an added bonus, Bank of America includes access to your Dun &amp; Bradstreet credit scores. You can get <\/span><span class=\"_28z5Fp _3-to_p\">business credit scores<\/span><span class=\"_28z5Fp _3-to_p\"> for free directly from D&amp;B. But having them on an online banking dashboard you may visit regularly is a nice touch. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Preferred Rewards could eventually pay off<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Bank of America says it may upgrade secured cardholders to an unsecured business card if and when they qualify. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">We generally rate <\/span><span class=\"_28z5Fp _3-to_p\">Bank of America business credit cards<\/span><span class=\"_28z5Fp _3-to_p\"> lower than other options. That changes if you qualify for the bank\u2019s Preferred Rewards for Business program. You can do that with an average balance with the bank of $20,000 or more.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Preferred Rewards for Business earns you up to 2.62% unlimited, flat-rate cash back on certain cards. It also has perks like higher interest rates on business savings accounts.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">That program is one reason SS considers Bank of America one of the <\/span><span class=\"_28z5Fp _3-to_p\">best banks for small business<\/span><span class=\"_28z5Fp _3-to_p\">. For new companies, getting a secured card from Bank of America is a simple way to start a relationship with a business bank.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">There are a <\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">f<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">e<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">w<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> notable drawbacks<\/span><\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae Secured credit card<\/span><span class=\"_28z5Fp _3-to_p\"> checks a lot of boxes. That doesn&#8217;t make it perfect. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">This card is subject to credit approval, and you can\u2019t prequalify to ensure you&#8217;re eligible.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">It also has a security deposit of at least $1,000. While that isn\u2019t the highest barrier to entry we\u2019ve seen, it\u2019s also not the lowest.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Everyone gets the same APR, and it&#8217;s high (<\/span><span class=\"_28z5Fp _3-to_p\">26.99<\/span><span class=\"_28z5Fp _3-to_p\">%). You shouldn&#8217;t expect a great interest rate if your credit score is low. Better ones may be available, though. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Lastly, this card won&#8217;t help your personal credit. That&#8217;s a rarity among business cards. It&#8217;s also not unprecedented. The Nav Prime Card does this, for instance. But that&#8217;s part of a broader <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"#builder\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_self\"><span class=\"_28z5Fp _3-to_p\">business credit building service<\/span><\/a><span class=\"_28z5Fp _3-to_p\">.  <\/span><\/p>\n<\/div>\n<div data-currency=\"Columns\" class=\"_1LKquO _3kNZ30 _2DPHJa _1GWeNp _2XlutV _2ctG-Y _1sDoBL _2TtTbq _3UifXY\">\n<div data-currency=\"Column\" class=\"Od0BSM _9jyWdf _1r_py0 _33JiRF _2F9T-X _1xbdug _2Ru-tk _1M3A6J\" style=\"grid-column-start:\">\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">What&#8217;s new with secured business credit cards?<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">BusinessBuild Credit Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Fintech Lili entered the secured card space with this offering. We added it to our evaluation. The TL;DR? The card doesn&#8217;t have a fee. But the service it&#8217;s part of sure does. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Hello Alice Small Business Secured Mastercard\u00ae<\/span><\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\">. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">We previously liked this<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><span class=\"_28z5Fp _3-to_p\">card since it was widely available. However, Hello Alice stopped offering it in March 2025.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Other secured business credit cards we considered<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Valley Bank Visa\u00ae Secured Business Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> stands out for it 0% intro APR period on purchases for your first six months (the ongoing APR thereafter is 14.95% to 26.25%). A <\/span><span class=\"_28z5Fp _3-to_p\">business card\u2019s intro APR period<\/span><span class=\"_28z5Fp _3-to_p\"> is essentially an interest-free loan, so this is usually a notable perk. But it\u2019s less valuable for secured cards. After all, that \u201cloan\u201d is offset by money you deposited. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security deposit:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 110% of your credit limit, up to $25,000.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ongoing rewards:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> 1% unlimited cash back on all purchases.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Also worth noting: You have to apply for this card in person. Valley Bank has branches in Alabama, California, Florida, New Jersey and New York.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Charity Charge Nonprofit Secured Business Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is just for nonprofit organizations. The security deposit might shrink the pool of eligible applicants even further. This <\/span><span class=\"_28z5Fp _3-to_p\">nonprofit business credit card<\/span><span class=\"_28z5Fp _3-to_p\"> requires you to put down at least $5,000.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security deposit:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> At least $5,000.<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">APR:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> N\/A. Charity Charge is a pay-in-full charge card.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">First National Bank Business Edition\u00ae Secured Mastercard\u00ae Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is available to businesses in FNBO&#8217;s service area. This card has an annual fee and offers a tiny 0.05% APY on your deposit. There are no other ongoing rewards.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security deposit:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> At least $2,000 (maximum of $10,000).<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">FNBO powers the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Community Bank N.A. Business Edition\u00ae Secured Mastercard\u00ae<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> as well. Many of the terms are the same (including the low deposit APY). But this card at least doesn&#8217;t have an annual fee. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Security deposit:<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> At least $2,000 (maximum of $10,000).<\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"> <\/span><\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A few other regional banks and credit union offer secured business credit cards. Here are some, with their service areas: <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Metro Credit Union Metro Business Builder Visa Credit Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Massachusetts and New Hampshire. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">MidFirst Bank Business Secured Credit Card. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Arizona, Colorado, Oklahoma and Texas.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Pacific Premier Bank Business Edition Secured Visa Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Arizona, California, Nebraska, Oregon and Washington.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Sound Credit Union Business Platinum Secured Credit Card. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Washington.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Suncoast Credit Union Business Secured Visa.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> Florida.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Visions Federal Credit Union Secured Business Card.<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> New Jersey, New York and Pennsylvania.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These cards may make sense if your priority is a local banking relationship. Just weigh the card\u2019s fees and features against that value. For instance, the Metro Business Builder Visa Credit Card has a $69 annual fee. This is the highest we saw. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Fintech Lili&#8217;s <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">BusinessBuild Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> focuses on business credit scores. The card is part of the company&#8217;s BusinessBuild program. That includes payment reporting to Dun &amp; Bradstreet, real-time credit monitoring and educational resources.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The card doesn&#8217;t have a fee. But BusinessBuild does. Your first month is free. After that, monthly costs rise to $18 \u2014 for three months. You&#8217;ll pay $30 each month thereafter. That&#8217;d equal $294 over a year. It&#8217;s less than you&#8217;d pay for similar services from D&amp;B itself ($499\/year). That doesn&#8217;t make it cheap, though \u2014 especially if you won&#8217;t use every feature.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">We&#8217;ll briefly mention the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Wells Fargo Business Secured Credit Card,<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> if only because there&#8217;s still online chatter about it. That card hasn&#8217;t been available to new applicants for multiple years at this point.  <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">What is a secured business credit card?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A secured business credit card is a line of credit that requires a cash deposit. That deposit typically functions as your credit limit. The card issuer can take it in instances of non-payment.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Secured business credit cards can make sense if your personal FICO score is below 690. That&#8217;s the score you often need to qualify for most unsecured business credit cards. Secured cards are also solid \u2014 no matter your personal credit \u2014 for those with no business credit score. They can let your business show responsible debt repayment.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Which banks offer secured business credit cards?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Among major credit card issuers, Bank of America is the only one with a secured business credit card. Chase, Citi, Discover, U.S. Bank, American Express and others don&#8217;t offer these cards. Wells Fargo used to, but its secured business card hasn&#8217;t been available to new applicants since 2022.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These niche products are more common among regional financial institutions. For instance, the First National Bank of Omaha and Metro Credit Union (headquartered in Chelsea, Mass.) offer secured business cards.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">How can you use a secured business credit card effectively?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Here are a few ways to make the most of a secured business credit card:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Use the card consistently. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">Make one or two small purchases every month. Smaller purchases will leave you with more available credit, which is good for your business\u2019s credit score.\u00a0<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Pay your balance in full every month before the due date. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">That way, you won&#8217;t be charged interest. If your secured card has an intro APR period, be sure to at least make your minimum payment.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Watch your business credit score. <\/span><\/span><span class=\"_28z5Fp _3-to_p\">You aren&#8217;t entitled to view your full business credit reports for free. But there are ways to keep an eye on your scores for signs of improvement.<\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Are there alternatives to secured business credit cards?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You need excellent personal credit to get many business credit cards. But those with credit scores between 630 (typically considered bad credit) and 690 may have better options than a secured business credit card.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Business credit cards for fair credit<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Capital One\u00ae Spark\u00ae Classic for Business<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is probably the best unsecured <\/span><span class=\"_28z5Fp _3-to_p\">business credit card for most small-business owners with fair credit<\/span><span class=\"_28z5Fp _3-to_p\"> (a FICO score between 630 and 690). While this card comes with a high APR, it offers a $0 annual fee* and 1% cash back on every purchase. Capital One also reports business card usage to commercial and personal credit bureaus. That&#8217;s rare. And it can make this card an especially good choice to build your personal and business credit.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Capital on Tap Business Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> issued by WebBank offers 1.5% cash back on all purchases. It also has no annual fee and the potential for a low APR. The issuer says applicants with fair credit may qualify. But those with a FICO score of 670 or higher have the best chance of approval. Those applicants also likely have a better chance at getting a competitive APR. Sole proprietors can&#8217;t get this card, which excludes the majority of businesses.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Capital on Tap Visa\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/5cbee3a8-f70e-11ec-b0b5-07d3e54e718b\/95f02e303f19ca56290011db186835b945b5b3627a59b7dc908f1a11bde58c56.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3J6REL\"><span class=\"_21EZtY _3VmbAf _8DgC29 _28z5Fp _3_lrZT\">Capital on Tap<\/span><\/p>\n<p class=\"_3VmbAf _28z5Fp\">Capital on Tap Business Credit Card<\/p>\n<\/div>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-50-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-50-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Corporate cards<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Corporate cards are available for LLCs and corporations. Options like the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Ramp Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> and <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Brex Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> don\u2019t require a credit check or a personal guarantee. But you\u2019ll need strong revenue and a healthy bank balance to qualify.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These are also <\/span><span class=\"_28z5Fp _3-to_p\">business charge cards<\/span><span class=\"_28z5Fp _3-to_p\">, which don\u2019t let you carry a balance. That makes corporate cards like secured options in that you can\u2019t tap into extra capital. Unlike secured cards, though, corporate cards let you control all your existing funds.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Ramp\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/73538b62-c1af-11ec-8973-0b01f726d4d8\/d21f02f42b4160fbf27d5303a0482624a3b289371883449ae9c2f8f4efa8a00f.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-55-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-55-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">Bonus Amount<!-- -->\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-55-2\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-55-2\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf _3gx1Wq\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><span class=\"_2LuWPZ _3_uGsM _28z5Fp JAYn9_ N36gAq\" data-currency=\"Text\">Earn a one-time $500 Ramp card upon approval. Limit one per new customer. No minimum spend required.<\/span><\/span><\/span>\u00a0<\/div>\n<p class=\"TS4Kq- _28z5Fp\">$500<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Brex \" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/f2fe19e2-c2cc-419a-aab1-5a36021e5e83\/c14aa81073e8a0c1a813d80a564d0a690f04cda4213a3a456bbf38710428086d.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-56-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-56-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">BILL Divvy Corporate Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is the rare corporate card with a personal credit check. But it&#8217;s a soft pull that won&#8217;t impact your credit score. It&#8217;s also available to sole proprietors. The BILL Divvy Corporate Card generally requires a FICO score of 650 or higher. The issuer does consider annual revenue and business bank account balances, though. Its threshold for the latter (at least $20,000) is lower than other corporate card options.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"BILL Divvy Corporate Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/ede53fd0-b6b7-11ed-b4fb-f7124a98d7b2\/a18ecb51598a30fd22ab92be82ea7f92381041b03920fadf3b142e2ae6318f4e.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3J6REL\"><span class=\"_21EZtY _3VmbAf _8DgC29 _28z5Fp _3_lrZT\">BILL Spend &amp; Expense<\/span><\/p>\n<p class=\"_3VmbAf _28z5Fp\">BILL Divvy Corporate Card<\/p>\n<\/div>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-58-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-58-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Business debit cards<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Debit cards aren\u2019t credit cards. Your spending is tied to the cash balance in a linked business checking account. But <\/span><span class=\"_28z5Fp _3-to_p\">business debit cards<\/span><span class=\"_28z5Fp _3-to_p\"> typically don\u2019t require a credit check. They may make sense if you want to use plastic to keep better track of transactions or employees spending.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Bad credit business loans<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you want to grow your business credit but don&#8217;t have ideal personal credit, a secured business credit card isn&#8217;t your only option. <\/span><span class=\"_28z5Fp _3-to_p\">Bad credit business loans<\/span><span class=\"_28z5Fp _3-to_p\"> are available from some online lenders. Successfully repaying this financing may help establish your business credit score. These loans may come with high interest rates, though. Make sure you&#8217;ll be able to afford the payments before you borrow.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Business credit building services<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These services help you build business credit. If that&#8217;s the primary reason you want a secured business card, one may make sense. You need multiple tradelines to grow your business credit, and these services can provide that. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But you&#8217;ll have to pay for a <\/span><span class=\"_28z5Fp _3-to_p\">business credit building service<\/span><span class=\"_28z5Fp _3-to_p\">, and there are free alternatives (like many secured cards). You will get more for your money than a tradeline. Most services offer business credit monitoring, for instance. Make sure you&#8217;ll value those extras.  <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Can you use a personal secured credit card for business?<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">These types of cards may help your personal credit \u2014 a must for future financing. But they\u2019ll lack features like <\/span><span class=\"_28z5Fp _3-to_p\">employee cards.<\/span><span class=\"_28z5Fp _3-to_p\"> They often come with lower limits than business credit cards, too. You&#8217;ll also need to keep your business and personal spending separate.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Among personal secured cards, the <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Capital One Quicksilver Secured Cash Rewards Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is a solid choice. It offers an impressive combination of features for those with poor credit. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">It requires a deposit, but in exchange you get:<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A $0-annual-fee card that reports to all three credit bureaus.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">An automatic credit limit review after six months.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">A possible upgrade path to an unsecured Capital One card.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">5% cash back on hotels and rental cars booked through Capital One Travel.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">1.5% cash back on all other purchases, which equals what you&#8217;d find on many unsecured cards.<\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\"><\/li>\n<\/ul>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Capital One Quicksilver Secured Cash Rewards Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/361b31a0-2871-11ec-9598-c7a1c16f0f1a\/e7e7679c5810f92c5dc49abdc1289439eb8d4e0d00282d5ec4428d997004e520.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3J6REL\"><span class=\"_21EZtY _3VmbAf _8DgC29 _28z5Fp _3_lrZT\">Capital One<\/span><\/p>\n<p class=\"_3VmbAf _28z5Fp\">Capital One Quicksilver Secured Cash Rewards Credit Card<\/p>\n<p class=\"TS4Kq- _28z5Fp\">Rates and Fees<\/p>\n<\/div>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-74-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-74-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">Discover it\u00ae Secured Credit Card<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> is another option with generous cash back. Discover says responsible habits will automatically trigger an evaluation for an upgrade after seven months with the card. Note that you must pay your security deposit through a bank account.<\/span><\/p>\n<\/div>\n<div class=\"_2Av7C2\">\n<div class=\"_12lgBQ\">\n<div class=\"_28lGop\">\n<figure class=\"_3ngNGS\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Discover it\u00ae Secured Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/b8802eff-81be-4894-bb9a-89aacde2f55e\/7d4b38c7b493ffc940c7aa55afe6cb1fc3787bdca6f09c67b346df5a7e7ddb91.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_3uI3SE\">\n<div class=\"DG251u\">\n<div><span class=\"TS4Kq- _28z5Fp\">SS Rating<!-- -->\u00a0<\/span>\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-4-76-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"Ay_QNo\" title=\"How is this rating determined?\"><span class=\"_32SMwQ\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-4-76-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_3NQ2Lf\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%\" class=\"qytd5D _3c_2vo\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card&#8217;s rates, fees, rewards and other features.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Methodology<\/span><\/h2>\n<div class=\"_3VJt4n\">\n<div>\n<div class=\"_3wlVa6 _2247K8 _3eCw6n\">\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">SS&#8217;s business credit card team selects the <\/span><span class=\"_28z5Fp _3-to_p\">best small-business credit cards<\/span><span class=\"_28z5Fp _3-to_p\"> without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.<\/span><\/p>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. <\/span><span class=\"_28z5Fp _3-to_p\">Learn how SS rates small-business credit cards.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_98KgO7 _28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">* Information for the Capital One\u00ae Spark\u00ae Classic for Business was collected independently and not reviewed by or provided by Capital One.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/business\/credit-cards\/learn\/secured-business-cards\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Secured business cards aren&#8217;t common. Those with good rewards, even more so. After reviewing the available options, our editorial team&#8217;s top choice is the Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae Secured credit card. This card has no annual fee and earns unlimited 1.5% cash back. It&#8217;s also a stepping stone to getting<\/p>\n","protected":false},"author":1,"featured_media":23380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[183,420,238,4800],"class_list":{"0":"post-23379","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-cards","10":"tag-credit","11":"tag-secured"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23379"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/23379\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/23380"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}