There she wrote and edited on topics such as debt, budgeting, insurance, taxes, investing, and retirement. That may sound a lot like a secured credit card, since both are funded with the cardholder’s own capital. The Capital One Spark Cash for Business Credit Card isn’t specifically for business owners with fair credit, you may be able to qualify if your rating is closer to the top than the bottom. There are nearly as many credit cards for bad credit as there are unsecured credit cards for fair credit. A small business credit card can be a good choice if you're looking to finance your business using revolving credit. Whether you’re interested in earning points or cash back, easily keeping track of your spending, consolidating business expenses to a single source, or improving your business credit score, a credit card can help. Credit card issuers use credit scores, among other factors, to determine who can qualify for a credit card. Small business credit cards for fair credit may charge higher fees than other credit cards, including APRs of 30% or more. Find the best card offers for your business and apply today. Fair Credit is defined as having a FICO Score between 580 to 669. Keep in mind a very important fact — there are limited business credit card options for business owners with bad credit, so we’ve included bad and fair credit cards below. Cy-Fair FCU specializes in the needs of small to moderate-sized businesses. Find good credit cards for fair credit and easy to get credit cards. Additional features include purchase protection if your card is lost or stolen within the first 90 days of opening your account, $500,000 in coverage for travel incidents when you spend on transportation, and auto rental collision damage protection. A reward program like this is perfect for businesses that spend across a variety of categories. Even still, they can be a good option if you have fair credit as it will allow you to establish payment history. Like many other cards for fair credit, the Leverage card comes with a slightly higher variable APR of 18.74%. Accessing credit for either personal use or expanding a business nowadays highly depends on the credit score than an individual has. The Best Small Business Credit Cards for Fair Credit. Fit Small Business's ratings are calculated by industry experts of our editorial team. Finally, unlike many other credit cards that are meant for building credit, the Capital One Secured Mastercard won’t saddle you with an annual fee, or any other hidden fees, for that matter. Please see the Visa Guide to Benefits for specific details. So what does having “fair credit” mean within the context of business credit cards? Earn fixed-rate rewards even with fair credit scores. However, there are also credit cards for people with fair credit that are part of rewards programs, have few fees and offer helpful cardholder benefits. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. The Ink Business Cash® Credit Card comes with a $0 annual fee. While Bento for Business has fewer requirements and offers key business features like employee cards, it’s missing a handful of perks found on many traditional business credit cards. Editor’s note: This is a recurring post with regularly updated card details. Not to mention, you’ll be able to earn rewards for any business spending you do on this business credit card for fair credit. Find the best card offers for your business and apply today. New York, NY 10017. Indeed, it’s another card that will require you to lay down a security deposit. Rewards will be less lucrative on this type of card, and your fees will likely be higher. We receive compensation when you click on a partner link on this page. Find & compare credit cards from Mastercard that offer a higher chance of approval for people with average credit. Credit mishaps happen for a number of reasons, and perhaps one has happened to you. Along with large limits, this card allows you to choose between cash back or points rewards. Other costs to be aware of with the business credit card for fair credit include an ongoing high APR, a $25 annual fee, and up to a $50 late payments fee. Any card that charges no annual fee while also letting you build your credit and earn rewards is truly a standout card if your personal credit score is below 670. The Capital One Secured Mastercard is the best, most flexible secured credit card for business owners looking to build or rebuild credit. Why we like it: Credit cards for fair credit that let you build both your personal and business credit simultaneously are few and far between. However, there are also credit cards for people with fair credit that are part of rewards programs, have few fees and offer helpful cardholder benefits. Keep in mind, however, that a credit card isn’t … It allows cardholders to obtain a credit limit of $500 – $25,000. Every business has expenses. [1]  Unlike other cash back cards, the Spark Classic doesn’t come with an annual fee, so you won’t have to pay for these perks. With less-than-great credit, you likely won’t qualify for a low rate business card. Your credit limit can be as high as $10,000 as well if you qualify, so this card can help you build credit while you keep your utilization low. Less than ideal for those who want to build or rebuild credit and a lower APR they offer. Small- business cards  building credit and increase your purchasing power keep at it, your score! 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