The Best Subprime Business Credit Cards

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Last updated on March 6th, 2023

Running a business may not be an easy task. However, a business credit card can be a useful tool for business owners and entrepreneurs. We understand credit scores play an important factor in credit card approval, so we have rounded up the best business credit cards for subprime credit.

Our picks include business credit cards that can work for the smallest of businesses to even larger ones. From credit card rewards to accounting software, check out what more is offered by these subprime business credit cards.

The Best Subprime Business Credit Cards

Here are our top picks for subprime business credit cards:

A subprime credit score does not get in the way of approval for the Revenued Business Card Visa®, because approval is based on revenue, and not your credit score. Hence why the card has made its way to the top of our list for the best subprime business credit card. Applicants should have a business with at least $10,000 in monthly deposits to be considered for card approval.

It also serves as both a business credit card and a Flex Line combined. In other words, when a credit card is not the best choice for your business purchase, you can instead opt to use the Flex Line and take out cash if needed. The application process is also quick and easy. Best of all you don’t have to wait long to know if you’re approved. You will receive a decision in as little as one hour and then you will gain access to the fund within a day.

Let’s not forget, the Revenued Business Card Visa® is also a rewards credit card so every purchase you make will earn 3% cash back in return. A reward for every purchase. In addition, the card currently has a $500 cash back rewards welcome offer after reaching the required spending amount.

If you’re looking for credit limits and no hidden fees, then look no further than the Ramp Card. It is a business card with a finance automation platform designed to save time and money. The Ramp Card stands out because it provides up to 20X the capital of a standard business credit card.

Like the Revenued Business Card Visa®, there is also no personal credit check, which makes it an ideal business credit card for anyone with subprime credit. In similarity to the Divvy Credit Builder, the card also offers integrated accounting to eliminate hours of busy work, such as chasing receipts or getting approvals.

In addition, the Ramp Visa Card earns unlimited 1.5% cash back on all eligible purchases which are easily redeemable on the Ramp interface. In conjunction with cash back rewards, you will be pleased to know the Ramp Visa Card has no hidden fees. This includes no annual fee, no foreign transaction fee, and no interest on purchases.

The Business Advantage Unlimited Cash Rewards Secured Credit Card is worth the mention as it works for business owners who may not have the best credit. It’s a secured credit card which means it requires a security deposit, in this case, that is a minimum of $1,000. If you already have an existing Bank of America relationship, then you may qualify for the secured credit card.

Although it is a simple secured credit card, it has the potential to earn rewards. The card earns unlimited 1.5% cash back on all purchases. Earn even more cash back if you become eligible for the Bank of America Preferred Rewards for Business account. Rewards are redeemable as statement credits or bank deposits. Like Divvy, with responsible use of this secured business credit card, there is space to graduate to the unsecured version

Related Article: The Best Balance Transfer Credit Cards of 2022

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About: Jeannyn
Jeannyn Gomez

Jeannyn is the Content Management Assistant for In addition to serving on all aspects of social media and spreading the word on expert credit and personal finance advice, Jeannyn finds herself on quests for humor, supernatural phenomena, and conspiracy theories for fun.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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