Getting approved for a business credit card can be challenging if you have bad credit. If you're in this boat, a business secured credit card may be what you need.
A secured business credit card provides you with a line of credit to use for business expenses, using your own money as a security deposit to ensure you repay what you owe. Used responsibly, it can also help you build your business credit score.
Secured business credit cards are relatively few and far between, but Business Insider's personal finance experts reviewed the options available to bring you this list of our top recommendations.
We compared security deposits, pros and cons, annual fees, and benefits to help you choose the best secured business credit card for you in 2025.
Best Secured Business Credit Cards of 2025
| Best For | Card | Annual Fee |
| Best for cash back | Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card | $0 |
| Best for 0% intro APR | Valley Visa® Secured Business Credit Card | $0 |
| Best for protecting personal assets | Ramp Visa Corporate Card | $0 |
| Best for big spenders | Brex Card | $0 |
| Best for earning interest | FNBO Business Edition® Secured Mastercard® Credit Card | $39 |
Best for Cash Back
$0
N/A
27.49% variable
N/A
Poor
- Flat-rate 1.5% cash back is generous for a secured card
- No annual fee
- Potential upgrade to a unsecured version
- $1,000 minimum security deposit
- 4% balance transfer fee
- 3% foreign transaction fees
The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card earns 1.5% cash back on every purchase with a $0 annual fee.
It's rare for a secured business credit card to earn rewards, so 1.5% flat-rate cash back is a generous rate of return.
If you're approved for this card, your credit limit will be equal to the amount you contribute for your security deposit, which must be at least $1,000.
Bank of America periodically reviews your account for responsible use and timely balance payments. If your overall credit history improves, you may be considered for an upgrade to an unsecured business credit card so you can get your security deposit back.
Best for 0% Intro APR
$0
0% intro APR on purchases for first six months
16.20% to 27.75% variable
None
Poor
- 0% APR available for new purchases and balance transfers
- 1% cash back on all purchases
- No annual fee
- Requires a security deposit of 110% the requested credit limit
- Lower credit limit compared to competitors
- No welcome bonus
The Valley Visa® Secured Business Credit Card is a great tool for business owners with low credit who need time to pay off a new purchase without incurring interest.
The card offers new cardholders a 0% intro APR on purchases for first six months, then 16.20% to 27.75% variable APR. This feature is rare on secured business credit cards, and can be beneficial if you have a large impending transaction
Cardholders earn an unlimited 1% cash back on eligible purchases — a solid return for a secured business credit card. The card doesn't charge annual fees, and you can add up to 25 employee cards at no additional cost.
Valley National Bank offers credit limits of up to $25,000, but requires a security deposit of 110% of your limit.
Best for Protecting Personal Assets
$0
N/A
N/A
None
No Credit History
- Up to 1.5% cashback on purchases
- Very high credit limit available
- No annual fees, late fees, or foreign transaction fees
- Can't carry a balance since this is a charge card
- Must link a business bank account with at least $25,000
- No welcome bonus
- No annual fee.
- Earn up to 1.5% cashback.
- Automated expense management software built into your corporate card, reimbursements, and more.
- Access to discounts and rewards with partner vendors.
- No interest charged because ramp is a corporate charge card. Unlike regular credit cards, charge cards require you pay your balance in full by each statement period and not carry over balances.
Many business lines of credit require a personal guarantee, which allows creditors to seize your personal assets, such as a home, vehicle, or financial accounts, if you don't pay back what you owe.
But the Ramp Visa Corporate Card doesn't require a personal guarantee, making it one of the best secured business credit cards for protecting your personal assets. And getting this business card won't affect your personal credit score because Ramp doesn't rely on your personal resources when evaluating your creditworthiness.
Ramp determines your credit limit based on several factors, including how much money you have in the business bank account you link to this card. As a result, you may be offered a total limit of up to 20 times higher than that of a typical secured business credit card.
This is a charge card, however, so you'll have to pay what you owe in full each month, and Ramp can limit your total spending limit at its discretion.
The Ramp Card is part of a larger business financial management platform, and business owners can issue unlimited virtual and physical cards to employees at no additional cost.
Read more in our Ramp Card review.
Best for Big Spenders
$0
N/A
N/A
Earn 10,000 points
Poor to Excellent
- No personal guarantee
- Several bonus categories
- Discounts with Slack, Zoom, AWS and more
- No annual fee
- You can only earn bonus rewards if Brex is your only corporate card, so it doesn't pair well with other business rewards credit cards
- Fewer options for redeeming rewards compared to some business credit cards from Amex and Chase
The no-annual-fee Brex Card is lauded as an extremely user-friendly bank for startup companies. The definition of "startup," however, isn't nearly as lenient as you'll find with other banks, such as Chase and American Express. Sole proprietors aren't eligible for the card — nor are small and medium businesses, for that matter. If you do qualify, Brex offers generous rewards and valuable airline transfer partners such as Avianca, Singapore Airlines, Emirates, and more.
Brex CardThe Brex Card is a niche card for businesses with $400,000 or more in monthly revenue, or close to $5 million annually.
If your business qualifies for the Brex Card, this no-annual-fee business card could be a good fit for your financial needs — but only if you commit to using it exclusively for all company expenses.
Cardholders who use this card exclusively can earn up to 7 points per dollar on certain categories of spend. And businesses in tech or life sciences, or companies that also have a Brex Cash account, can earn up to 8 points per dollar on top expense categories. But if you don't use the Brex Card exclusively, you'll only earn 1 point per dollar spent.
The Brex Card shines when it comes to fees — or the lack thereof. You won't pay an annual fee for this card, nor will you incur interest. Instead, Brex makes money from the merchants it partners with, so this is a good choice for entrepreneurs willing to go all in on a single business card.
New cardholders can earn a rare welcome offer from a secured business card: 10,000 points when you spend $3,000 on your Brex card within three months of your Brex business account being opened.
Read more in our Brex credit card review.
Best for Earning Interest
$39
N/A
25.99% variable
None
Poor
- High credit limit available
- Earn interest on your security deposit
- Available for applicants with very low credit scores
- $39 annual fee
- Requires a security deposit of 110% the requested credit limit
- No rewards
Business owners who need a lot of credit on a secured business credit card should consider the FNBO Business Edition® Secured Mastercard® Credit Card.
Credit limits range from $2,000 to $100,000 in multiples of $50, as long as you put down a cash security deposit of 110% of your limit.
This secured business credit card doesn't earn rewards on purchases, but cardholders can earn interest from their security deposit. Benefits include rental car protection, mobile receipt management, and Mastercard Easy Savings.
The card charges an annual fee of $39, and there is a foreign transaction fee for purchases outside the U.S.
Secured Business Credit Card Basics
A secured business credit card provides access to credit when your credit score is too low for traditional credit cards.
Secured business credit cards can be used just like regular business credit cards, so you can pay for company-related supplies, materials, utilities, and other operating expenses. Some even earn cash back rewards or offer 0% intro APR.
The primary difference is that secured credit cards require a cash security deposit to cover any potential outstanding balance in case you stop making payments. Your security deposit typically determines your credit limit, up to a maximum limit.
How to Choose the Best Secured Business Credit Card for You
Choosing the best secured credit card for your business depends on your goals, where you spend the most, and which features are most important to you.
Building Credit With A Secured Business Credit Card
A secured business credit card does most of the work of rebuilding your credit, as long as you use it responsibly.
With time and consistent repayments, you may qualify for business credit cards that don't require a security deposit.
Some banks allow responsible secured credit cardholders to "graduate" to unsecured business credit cards with time and consistent payment history, which frees up your security deposit and opens up the possibility of qualifying for additional business credit.
Secured Business Credit Card Alternatives
If you aren't ready to apply for a secured business credit card, there are alternative ways to pay bills and get money for your business.
Get a Business Credit Card for Fair Credit
If you can qualify for an unsecured business credit card, you can save the money you would have otherwise put aside for a secured business credit card security deposit.
The Capital One Spark 1% Classic is worth considering if you can get it. Designed for business owners with fair credit who travel on a regular basis, this unsecured business credit card helps you build business credit while allowing you to keep the cash you would have had to set aside for a security deposit.
You don't need sky-high credit to be considered — and if you responsibly use this card for a period of time, you may be able to request an upgrade to a better business credit card down the road.
This card has a $0 annual fee and doesn't charge foreign transaction fees on international purchases, making it ideal for companies that work with foreign suppliers.
Cardholders earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 1% cash back on every other purchase. These earning rates are fantastic for a secured business credit card, especially on eligible travel purchased through the Capital One travel booking site.
The Capital One Spark 1% Classic comes with additional tools and benefits to support your business. Cardholders get an extended warranty on eligible purchases, which can save money on expensive add-on warranties. You can also add employee cards with individual spending limits and expense reporting at no extra charge.
Read more in our review of the Capital One Spark Classic for Business.
Local Banks and Credit Unions
Many small business owners find that local banks and credit unions are more willing to work with new or no credit compared to major corporations such as Chase.
You may be able to finance a line of credit at a lower rate through your local institution, or apply for a small business loan outright with lower interest rates than those found on most secured credit cards.
Business Debit Cards
Most banks offer free debit cards when you open a business checking account. Debit cards with a Visa or Mastercard logo make purchases like a credit card, but they use the money in your bank account.
While you are limited to spending only what's available in your account, these purchases won't incur any additional debt.
When to Use A Personal Credit Card
Small business owners often use new or existing personal credit cards to fund their businesses. Just make sure you keep personal and business expenses separate for accounting purposes.
The best credit cards offer benefits such as purchase protection, zero interest periods, and lucrative credit card sign up bonuses, and can serve as an excellent financial solution until your business can qualify for its own credit cards.
If you have low personal credit, check out our guides to the best credit cards for bad credit and the best secured credit cards.
Request Repayment Terms From Your Suppliers
Many vendors offer repayment terms of 30 to 90 days or more without charging interest. This encourages customers to buy products for resale to generate revenues that repay suppliers.
Talk to your suppliers to determine what terms you qualify for based on your order and payment history with them. This can help you balance your cash inflow without requiring a line of credit.
Secured Business Credit Card Customer Reviews
In addition to compiling our own expert research on secured credit cards for businesses, our personal finance team reviewed customer feedback across public forums such as Reddit and FlyerTalk to see what other small business owners have to say about secured business credit cards.
No Annual Fees and Good Cardholder Benefits
One business owner recommended both the Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card and the Valley Visa® Secured Business Credit Card, highlighting the lack of annual fees and individual benefits as selling points for new entrepreneurs.
This Redditor particularly appreciated earning 1.5% cash back on all purchases made with the Bank of America card, as well as the potential to automatically upgrade to an unsecured card after time and responsible use. Meanwhile, the Valley Visa's 0% intro APR period is handy for business owners with big purchases coming up.
Look Into Local Financing Options
Many small business owners said they received better customer service and more personalized financing options from their local banks and credit unions when compared to major national banks.
Why You Should Trust Us: How We Reviewed the Best Secured Business Credit Cards
Business Insider's team of experts compiled this list of the best secured business credit cards by comparing them to other products on the market. Some of the criteria we considered when evaluating secured business credit cards include:
Accessibility — Is it easy for the average small business owner to get this secured business credit card? Does the issuer require a certain amount of money for a security deposit, or only approve businesses with a specific threshold of cash in the bank?
Benefits and rewards — Does this card earn rewards or come with any benefits? It's rare for secured business credit cards to offer benefits and rewards beyond helping the cardholder build credit. But our experts made sure to note and highlight the ones that do, featuring them prominently in this guide.
Ability to "graduate" to unsecured business credit cards — The best secured business credit cards help you build business credit so you can apply for other lines of credit. Some of the cards reviewed in this guide automatically consider you for an upgrade to the unsecured version of the business credit card after you've built a history of consistent and timely repayments.
Learn more here about how we rate credit cards at Business Insider.
FAQs
Can I get a secured credit card for business?
Yes, you can get a business secured credit card if you have low credit but need a business credit card for your company. Secured business credit cards typically require a cash security deposit that effectively becomes your credit limit.
Who has the best secured business credit card?
The best secured business credit cards include the Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card for 1.5% unlimited cash back, the Capital One Spark 1% Classic for 5% back on eligible travel purchases, the Valley Visa® Secured Business Credit Card for 0% intro APR, and the Brex Card for a high credit limit.
What is the difference between a secured business credit card and a business credit card?
A secured business credit card is designed for individuals with bad credit and typically requires a security deposit to guarantee debt repayment. A standard business credit card does not require a security deposit, but it requires a higher credit score for approval.
What is the easiest secured business credit card to get?
The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card may be one of the easiest secured business credit cards to get, since it has a minimum security deposit requirement of just $1,000.
How can I change my secured business credit card to an unsecured business credit card?
