Tag: cards

6 Best Business Credit Cards for Fair Credit (2023)

Best Business Credit Cards for Fair CreditThe best business credit card for fair credit is Capital One Spark Classic (see Rates & Fees) because it has a $0 annual fee and gives 1% cash back on all purchases. Even small business owners with limited credit history can get Capital One Spark Classic, so applicants with fair/average credit should have solid approval odds. That is especially true if your score is closer to good credit (700-749) than bad credit (below 640).

More generally, the best business credit cards for average credit aren’t always branded specifically for business use. Not all of them can be used to make purchases everywhere, either. Rather, the best offers for small business owners with credit scores between 640 and 699 are those offering reasonable odds of approval, annual fees that are as close to $0 as possible, and maybe even some modest rewards. Your top priority should be improving your credit standing at the lowest possible cost in order to qualify for one of the market’s best overall business credit cards sooner.

So our editors analyzed hundreds of credit card offers for people with fair credit, including personal cards and store-specific offers, in search of the top credit card deals for small business owners with fair credit scores.

Best Business Credit Cards for Fair Credit Comparison

  *Note: While this card is not a business card, business owners with fair credit are encouraged to also consider personal credit cards, given that they will be personally liable with either type of card.

In choosing an offer, remember that we recommend business-branded credit cards only for everyday purchases that you can pay in full within a single billing period. Personal cards are much better equipped to meet small business financing needs given their superior user protections. In short, they’ll protect you from the arbitrary

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Which business credit cards report to Dun and Bradstreet?

Your personal credit score is a report card (of sorts) for how responsible you’ve been with your credit. If you apply for a mortgage, auto loan, or credit card, the lender will run your credit to gauge your trustworthiness.

There’s another type of credit score solely for businesses to reflect how responsible an entity has been with its credit. In other words, this is a company report card, not an analysis of the business owner’s personal credit. You can get a business credit score by using credit that reports to business credit bureaus.

Dun and Bradstreet is one of the three major business credit bureaus (along with Experian and Equifax). Because of this, it’s a good idea to open and responsibly use business credit cards that report to it. Let’s look at how to build a credit profile with Dun and Bradstreet.

How business credit cards report to credit bureaus

The credit bureaus to which your business credit card reports will vary depending on several factors. Let’s take a quick look at them.

Credit card issuer

Many business credit cards will not show up on your personal credit report. Your credit card activity will remain separate even if you use your Social Security number to apply. However, if your account defaults, your personal credit will bear those blemishes.

Note that this isn’t the case for all business credit cards. Some issuers deliberately report small business card activity to your personal credit.

Attaching an EIN to your application

During the application process for a business credit card, you can add an Employee Identification Number (EIN) along with your Social Security number (SSN). An EIN is an IRS-issued Federal Tax Identification Number that businesses can apply for. It’s sort of like a SSN for your business–though not as sensitive.

Adding an

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4 Best Business Credit Cards with Rewards [November 2023]


Ink Business Cash® Credit Card

The best business rewards credit card overall is the Ink Business Cash® Credit Card.

Why We Like It: Ink Cash has an initial bonus of $900 for new cardholders who spend $6,000 in the first 3 months. It also gives 1 – 5% cash back on purchases normally. The Ink Cash card has a $0 annual fee, too.


What We Don’t Like: Applicants need good or excellent credit for approval, and this card is not a good choice for carrying a balance from month to month.


Who Should Get It: Apply for the Ink Business Cash® Credit Card if you have good credit or better personally and its rewards match up well with the transactions you plan to make.


Alternatives to Consider: The Capital One Spark Cash Plus is another good option for cash back, and the Ink Business Preferred® Credit Card has great travel rewards.

Ink Business Preferred® Credit Card


The Ink Business Preferred® Credit Card is the best business credit card for bonus rewards.


Why We Like It: Chase Ink Preferred offers a bonus of 100,000 points, worth $1,250 in travel booked through Chase, for spending $8,000 in the first 3 months. Cardholders also earn 1 – 3 points per $1 spent on purchases normally.


What We Don’t Like: There is an annual fee of $95 and a high APR.


Who Should Get It: Apply for the Ink Business Preferred® Credit Card if you have good or better personally and travel a lot for business.


Alternatives to Consider: The Ink Business Cash® Credit Card and the Capital One Spark Miles for Business both offer a lot of rewards value.

Capital One Spark Miles for Business


The Capital One Spark Miles for Business (see Rates &

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4 Best No Credit Business Credit Cards [November 2023]

Best Business Credit Cards For No CreditCapital One Spark Classic for Business

The best business credit card for no credit is the Capital One Spark Classic for Business. It is available to small business owners with limited or no credit history and has a $0 annual fee. Capital One Spark Classic also rewards cardholders with 1% cash back. That’s roughly what the average cash back credit card provides. Good rewards, low fees and high approval odds are really all you can hope for when shopping for a business credit card with no credit.

Brex Corporate Card for Startups

The best business credit card with rewards points for applicants with no credit is the Brex Corporate Card for Startups because it gives 1 – 7 points per $1 spent on purchases normally, plus an initial bonus of 30,000 points for spending $3,500 or 50,000 points for spending $9,000 in 30 days. The Brex Credit Card also has a $0 annual fee.

This is a charge card, though, which means you’ll need to pay the bill in full every month and look elsewhere for financing help.

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is the best credit card that you can get with no hard inquiry into your credit history when you apply. This makes it much easier to get approved if you have damaged credit or simply no credit experience. The OpenSky has a $35 annual fee and requires you to put down a security deposit of $149.

It’s also important to point out that using a general-consumer credit card for business will not increase your personal liability. Even small business credit cards require a personal guarantee from applicants. 

Business Advantage Unlimited Cash Rewards Secured credit card

The Business Advantage Unlimited Cash Rewards Secured credit card is one of the best business credit

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Step-by-Step Instructions for Accepting Credit Cards

Most consumers expect all businesses to accept credit and debit cards — a standard you are all too familiar with if you must repeatedly explain to customers that your business accepts cash only. Luckily, accepting credit and debit cards is as easy as partnering with a credit card processing company.

This guide will walk you through the ins and outs of the credit card processing industry and highlight the factors you must consider when choosing a processor.

How to start accepting credit card payments for your small business

Accepting credit and debit cards begins with selecting a processor. Here are the steps you should follow:

1. Determine the type of processor you need.

When choosing a credit card processor, you must evaluate your business’s unique needs. For example, our PayPal review and Square review show how these processors work well for new businesses with low transaction volumes because they don’t charge many of the fees you’d incur with other processors. However, their credit card processing rates are higher than many competitors’, so they’re not always a cost-effective choice for high-volume businesses.

Editor’s note: Looking for the right credit card processor for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.

When you evaluate payment processors, determine if their rates, service and technology meet your business’s requirements.

  • Competitive rates: Don’t always look for the lowest rate possible. Some advertised rates are deceptively low because they apply only to specific transactions. Many processors also charge various monthly and annual fees that you must consider when comparing costs.
  • Knowledgeable and available customer service: What will you do if your payment technology stops working during peak business hours? What’s the backup plan for processing cards? How will it get fixed, and how can you reach your
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Where to Get Business Cards: The 25 Best Places

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Successful small business owners understand the importance of making a lasting impression on potential clients and partners. After all, it doesn’t matter how amazing the small business ideas are, no one will take note without the proper promotion.

One timeless and effective way to make that all-important first impression is through a well-designed business card. If you’re curious about where to get business cards that capture your brand identity and help you leave a lasting mark in the business world, we’ve got the A-Z of obtaining business cards for you.

What are the benefits of business cards?

Are business cards still relevant? Business cards are an essential tool for small business owners, offering a range of benefits that can help elevate your brand and boost your networking efforts. Here are five key advantages of using business cards:

  • Professionalism – Business cards convey a sense of professionalism, establishing your business as credible and legitimate, while leaving a lasting impression on potential clients or partners.
  • Brand Identity – Business cards provide an opportunity to showcase your brand identity with your logo, color scheme and design, helping to reinforce your brand image and create brand recognition.
  • Networking – Business cards are a tangible and convenient way to share your contact information, making it easy for potential clients or partners to reach out to you and enabling seamless networking at events or meetings.
  • Memorability – Well-designed business cards can make an impact with unique and eye-catching designs that stand out in a sea of generic cards, helping you be more memorable to potential clients or partners.
  • Versatility – Business cards are versatile and can be used in various situations, including networking events, trade shows, conferences or casual
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The Best (and Cheapest) Online Business Cards Printers

You’ve just hit it off with a potential client who fits perfectly into your target audience.

Whether it’s at a conference, in line at Starbucks, or during a post-gym session stretching session, you’ve struck up a rapport, and you want to close the deal on that hot new lead.

The only thing is, you still haven’t got around to getting professional business cards printed.

You scramble for a pen, write your contact details on a piece of paper (or worse, the back of their Chai Latte to-go cup), and pray they get back to you.

Not only is this approach much less likely to close a new client, but it also shows a potential lack of professionalism, which may be off-putting for potential clients who know nothing about your services.

This is exactly the case for why early-stage startups and entrepreneurs need business cards (I’m sure Jeff Bezos doesn’t need to worry about business cards).

But where to go for the best deals? Here, we will discuss the top five places you can go to get a great deal on high-quality business cards.

Don’t Skip: Business Trademarks 101 – Registering Names, Logos, and Phrases

The Top 5 Best Business Cards for Entrepreneurs and Startup Founders

We’ve done a little digging and rounded up the top five business card printing services for you to choose from, depending on your requirements.

GotPrint — Best For Price

Gotprint business cards

When you’re just starting out, you must be mindful of your spending. Rather than splashing the cash on expensive business cards, only to sit with them on your desk, with no money to go to events to distribute them, take advantage of GotPrint’s very low entry price.

Just be wary that as you start to consider more premium quality, GotPrint quickly stops being the most cost-effective

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What Are Corporate Credit Cards And How Do They Work?

Key takeaways

  • Corporate credit cards are cards where the business entity, rather than the business owner, is legally responsible for any charges made with the card.
  • Corporate cards are typically available to large companies with an established credit history and millions of dollars in revenue.
  • Small-business cards, on the other hand, can be beneficial for those with smaller companies or the self-employed. You’ll typically need a personal guarantee to be approved for a small-business card, meaning the cardholder is liable for any charges made with the card.
  • To qualify for a corporate card, contact a corporate card issuer directly and be prepared for a lengthier application process.

It’s the ideal scenario for a small-business owner: Your company is experiencing year-over-year growth, your business is profitable and your revenue increases every quarter. This is the kind of growth most small-business owners dream of.

When you start to see your company shift from a small startup to an established corporation, it’s time to think about transitioning your financial tools. This might mean switching from a business credit card to a corporate credit card — but before you begin the lengthy corporate credit card application process, it’s worth asking yourself whether a corporate card is really the right choice for your business.

Let’s take a closer look at how corporate cards work, how to manage a company card and how to decide whether your small business is ready to make the transition from a business credit card to a corporate credit card.

What is a corporate credit card?

A corporate credit card is a type of card issued to a corporation. This means that the business entity, not the business owner, is legally responsible for all charges made on the card. Because of this, corporate credit cards are generally only issued to large

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Business News | Get Access to Some of the Best Airport Lounges with Credit Cards on Bajaj Markets

BusinessWire India

Pune (Maharashtra) [India], October 5: Bajaj Markets, a subsidiary of Bajaj Finserv has partnered with leading credit card providers in the country to offer elevated experiences through credit cards. These premium credit cards come with a number of unique features that make them an ideal choice for anyone looking to get more out of their spends. Some features include complimentary domestic and international airport lounge access, a dedicated concierge, attractive cashback, and more.

Also Read | Andhra Pradesh Shocker: Police Constable Shoots Wife Dead, Two Children; Later Dies by Suicide in Kadapa.

Of late, as travel is booming, credit cards offering complimentary airport lounge access have started growing in popularity. And, for a good reason, airport lounges can be quite expensive to access otherwise. More importantly, these luxurious lounges can be an absolute game changer during long layovers and can serve as the perfect pit stop.

To make the most of this benefit, one can apply for these premium lifestyle, travel-friendly credit cards on Bajaj Markets. Here are some of the popular options available on the platform:

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1. MakeMyTrip ICICI Bank Platinum Credit Card

This co-branded credit card couples the convenience and top-notch service offered by ICICI Bank with exciting travel offers from MakeMyTrip. To name a few:

* Complimentary domestic airport and railway lounge access* Welcome MakeMyTrip holiday voucher worth Rs. 3000


The SBI Card ELITE is a premium credit card that comes with a host of lifestyle and travel benefits. This luxury card is best suited for experienced credit card users who are looking for elevated experiences, with benefits like:

* Access over 1,000 international airport lounges with the complimentary Priority Pass Program membership* Complimentary

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What credit score do you need for business credit cards?

If you have a small business, it may be smart to get one or more small-business credit cards for your business-related expenses. Even if your business is relatively small, new or informal, you may still be eligible for a business credit card.

If you’re ready to apply for a new credit card for your small business, you may wonder whether you can be approved. Here’s what you need to know about getting approved for a business credit card.

What credit score do you need for business credit cards?

Most issuers will perform a credit check with consumer and business credit bureaus when you apply for a business credit card. However, unless you have an established business that is incorporated or a Limited Liability Company (LLC), has a federal Employer Identification Number (EIN) and meets other requirements, you likely won’t have any business credit history.


In most cases, you’ll need a good or excellent credit score to be approved for a business credit card. However, you may be able to find some issuers that will accept you for a card with a lower credit score — especially if your business is well established or has significant annual revenue.

Related reading: Which business credit cards could affect your personal credit?

How to check your credit score

You can check your personal credit score for free through various methods. Some credit cards even offer a free FICO Score just for being a cardholder. It’s also possible to check your business credit score if you have one, although you’ll generally need to pay to do so.

Related reading: Does closing a business credit card affect my credit score?

How to improve your credit score

Whether you want to improve your personal or business credit score, you’ll want to focus on responsible credit

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