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.
*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