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Business credit cards may appeal to business owners for many reasons. They help build business credit, provide opportunities for financing and help keep personal and business expenses separate. Many business credit cards require a credit score of “good" or higher, so if you have no or limited credit, you may be wondering if getting a business credit card is a possibility. Luckily, there are small business credit cards for bad credit available on the market — you just have to know what to look for.
Business credit cards can have benefits for businesses of all sizes. Whether you're a well-established titan of industry, a thriving small business or even a bustling startup, there are aspects of having a business credit card that would likely interest you.
If you're worried about applying for credit cards for small businesses with bad or no credit, fear not. There are options out there for business owners who have limited credit or none at all.
If your credit score is low or you don't have established credit, you may not be eligible for every business credit card. There are, however, cards that may be available to you.
If you plan to apply for a small business credit card with bad credit or no credit, it's important to know your credit score. There are a few different websites that can provide you with that information so that you go into the application process informed.
While your credit score may be the biggest factor when choosing a small business credit card to apply for, it's still a good idea to have your preferred terms and features in mind. That way if you come across multiple cards that will accept your credit score, you can choose the one that's right for your business specifically.
Once you decide which card you think will be the right fit, there is some information you'll likely need for the application. This includes:
Though options may be a little more limited when it comes to applying for small business credit cards with bad or no credit, there are cards such as corporate cards or secured business cards that may still be available to you. Be sure to do your research carefully so you can pick a card that's right for your individual business needs.
Cash back rewards are bonuses provided to customers when they use their cards to make purchases. Cash back rewards can take the form of dollars or points.
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For Informational/Educational Purposes Only: The views expressed in this article may differ from other employees and departments of JPMorgan Chase & Co. Views and strategies described may not be appropriate for everyone, and are not intended as specific advice/recommendation for any individual. Chase is not responsible for, and does not provide or endorse third party products, services or other content. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results.
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