Best Secured Business Credit Cards of 2025

Secured business cards aren’t common. Those with good rewards, even more so. After reviewing the available options, our editorial team’s top choice is the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.

This card has no annual fee and earns unlimited 1.5% cash back. It’s also a stepping stone to getting a credit line from a major bank. That’s a big plus for growing businesses — and applicants with personal credit scores below 690.

Secured business cards are best if your credit score doesn’t hit that number. But if personal credit is a challenge, consider a secured personal card as well (we’ve highlighted a few below). Those cards can help improve those scores. And that can set your business up to get unsecured financing in the future.

NerdWallet rates business credit cards on their overall value. Factors in that evaluation include fees, rewards, bonus offers and other noteworthy perks.

Secured business cards usually aren’t rich with features. Their primary purpose is establishing a tradeline and building business credit. Of course, you can do that by using almost any business credit card responsibility. But most of those require a personal credit score of at least 690. Secured options extend that benefit to those with lower scores.

With that in mind, we prioritized the following:

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card is our editorial team’s top pick for secured business credit cards. Its key details:

Bank of America is the only major credit card issuer with a secured option for business owners. But the card still stands out on its own merit. Here’s what to know about it.

You’ll earn good cash back

This card’s 1.5% cash back is the highest we saw among secured business cards. Many offered no rewards, yet still charged annual fees.

It includes business credit access

Secured business cards are a great tool for establishing credit in your company’s name. That’s especially the case if you can’t qualify for other financing due to poor personal credit.

As an added bonus, Bank of America includes access to your Dun & Bradstreet credit scores. You can get business credit scores for free directly from D&B. But having them on an online banking dashboard you may visit regularly is a nice touch.

Preferred Rewards could eventually pay off

Bank of America says it may upgrade secured cardholders to an unsecured business card if and when they qualify.

We generally rate Bank of America business credit cards lower than other options. That changes if you qualify for the bank’s Preferred Rewards for Business program. You can do that with an average balance with the bank of $20,000 or more.

Preferred Rewards for Business earns you up to 2.62% unlimited, flat-rate cash back on certain cards. It also has perks like higher interest rates on business savings accounts.

That program is one reason NerdWallet considers Bank of America one of the best banks for small business. For new companies, getting a secured card from Bank of America is a simple way to start a relationship with a business bank.

There are a few notable drawbacks

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card checks a lot of boxes. That doesn’t make it perfect.

Lastly, this card won’t help your personal credit. That’s a rarity among business cards. It’s also not unprecedented. The Nav Prime Card does this, for instance. But that’s part of a broader business credit building service.

The Valley Bank Visa® Secured Business Credit Card stands out for it 0% intro APR period on purchases for your first six months (the ongoing APR thereafter is 14.95% to 26.25%). A business card’s intro APR period is essentially an interest-free loan, so this is usually a notable perk. But it’s less valuable for secured cards. After all, that “loan” is offset by money you deposited.

Also worth noting: You have to apply for this card in person. Valley Bank has branches in Alabama, California, Florida, New Jersey and New York.

The Charity Charge Nonprofit Secured Business Card is just for nonprofit organizations. The security deposit might shrink the pool of eligible applicants even further. This nonprofit business credit card requires you to put down at least $5,000.

The First National Bank Business Edition® Secured Mastercard® Credit Card is available to businesses in FNBO’s service area. This card has an annual fee and offers a tiny 0.05% APY on your deposit. There are no other ongoing rewards.

FNBO powers the Community Bank N.A. Business Edition® Secured Mastercard® as well. Many of the terms are the same (including the low deposit APY). But this card at least doesn’t have an annual fee.

A few other regional banks and credit union offer secured business credit cards. Here are some, with their service areas:

These cards may make sense if your priority is a local banking relationship. Just weigh the card’s fees and features against that value. For instance, the Metro Business Builder Visa Credit Card has a $69 annual fee. This is the highest we saw.

Fintech Lili’s BusinessBuild Credit Card focuses on business credit scores. The card is part of the company’s BusinessBuild program. That includes payment reporting to Dun & Bradstreet, real-time credit monitoring and educational resources.

The card doesn’t have a fee. But BusinessBuild does. Your first month is free. After that, monthly costs rise to $18 — for three months. You’ll pay $30 each month thereafter. That’d equal $294 over a year. It’s less than you’d pay for similar services from D&B itself ($499/year). That doesn’t make it cheap, though — especially if you won’t use every feature.

We’ll briefly mention the Wells Fargo Business Secured Credit Card, if only because there’s still online chatter about it. That card hasn’t been available to new applicants for multiple years at this point.

A secured business credit card is a line of credit that requires a cash deposit. That deposit typically functions as your credit limit. The card issuer can take it in instances of non-payment.

Secured business credit cards can make sense if your personal FICO score is below 690. That’s the score you often need to qualify for most unsecured business credit cards. Secured cards are also solid — no matter your personal credit — for those with no business credit score. They can let your business show responsible debt repayment.

Among major credit card issuers, Bank of America is the only one with a secured business credit card. Chase, Citi, Discover, U.S. Bank, American Express and others don’t offer these cards. Wells Fargo used to, but its secured business card hasn’t been available to new applicants since 2022.

These niche products are more common among regional financial institutions. For instance, the First National Bank of Omaha and Metro Credit Union (headquartered in Chelsea, Mass.) offer secured business cards.

Here are a few ways to make the most of a secured business credit card:

You need excellent personal credit to get many business credit cards. But those with credit scores between 630 (typically considered bad credit) and 690 may have better options than a secured business credit card.

The Capital One® Spark® Classic for Business is probably the best unsecured business credit card for most small-business owners with fair credit (a FICO score between 630 and 690). While this card comes with a high APR, it offers a $0 annual fee* and 1% cash back on every purchase. Capital One also reports business card usage to commercial and personal credit bureaus. That’s rare. And it can make this card an especially good choice to build your personal and business credit.

The Capital on Tap Business Credit Card issued by WebBank offers 1.5% cash back on all purchases. It also has no annual fee and the potential for a low APR. The issuer says applicants with fair credit may qualify. But those with a FICO score of 670 or higher have the best chance of approval. Those applicants also likely have a better chance at getting a competitive APR. Sole proprietors can’t get this card, which excludes the majority of businesses.

Corporate cards are available for LLCs and corporations. Options like the Ramp Card and Brex Card don’t require a credit check or a personal guarantee. But you’ll need strong revenue and a healthy bank balance to qualify.

These are also business charge cards, which don’t let you carry a balance. That makes corporate cards like secured options in that you can’t tap into extra capital. Unlike secured cards, though, corporate cards let you control all your existing funds.

The BILL Divvy Corporate Card is the rare corporate card with a personal credit check. But it’s a soft pull that won’t impact your credit score. It’s also available to sole proprietors. The BILL Divvy Corporate Card generally requires a FICO score of 650 or higher. The issuer does consider annual revenue and business bank account balances, though. Its threshold for the latter (at least $20,000) is lower than other corporate card options.

Debit cards aren’t credit cards. Your spending is tied to the cash balance in a linked business checking account. But business debit cards typically don’t require a credit check. They may make sense if you want to use plastic to keep better track of transactions or employees spending.

If you want to grow your business credit but don’t have ideal personal credit, a secured business credit card isn’t your only option. Bad credit business loans are available from some online lenders. Successfully repaying this financing may help establish your business credit score. These loans may come with high interest rates, though. Make sure you’ll be able to afford the payments before you borrow.

These services help you build business credit. If that’s the primary reason you want a secured business card, one may make sense. You need multiple tradelines to grow your business credit, and these services can provide that.

But you’ll have to pay for a business credit building service, and there are free alternatives (like many secured cards). You will get more for your money than a tradeline. Most services offer business credit monitoring, for instance. Make sure you’ll value those extras.

These types of cards may help your personal credit — a must for future financing. But they’ll lack features like employee cards. They often come with lower limits than business credit cards, too. You’ll also need to keep your business and personal spending separate.

Among personal secured cards, the Capital One Quicksilver Secured Cash Rewards Credit Card is a solid choice. It offers an impressive combination of features for those with poor credit.

It requires a deposit, but in exchange you get:

The Discover it® Secured Credit Card is another option with generous cash back. Discover says responsible habits will automatically trigger an evaluation for an upgrade after seven months with the card. Note that you must pay your security deposit through a bank account.