Best Business Cards for Bad Credit.
Options for business owners with less-than-perfect credit scores who still need business spending tools.
Top picks compared.
We evaluated rewards, fees, and features to find the best business cards for bad credit.
From formation to first purchase.
Form your company
Lovie handles your LLC or Corp formation with AI — state fees included.
Get your card instantly
You get a virtual card right away. Physical card ships the same day.
Set your rules
Set limits, block merchants, manage team access — from the dashboard or by asking your AI.
Start earning
Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.
Your business card should work as fast as your AI.
Create virtual cards the moment your company is formed. No waiting, no separate applications.
Instant Virtual Cards
Issue unlimited virtual cards in seconds. Set per-card limits, merchant restrictions, and auto-expiring rules.
Smart Spending Controls
AI-powered rules that adapt to your business. Lock cards by merchant, category, amount, or time.
MCP-Native
Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.
Build Business Credit
Every purchase reports to major credit bureaus. Your company builds credit automatically.
No Foreign Transaction Fees
Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.
One Platform, Everything
Formation, banking, and cards in one dashboard. You stop juggling logins.
Card-by-card breakdown.
Bank of America Business Advantage Customized Cash Rewards
Bank of America
The Bank of America Business Advantage Customized Cash Rewards is a strong pick for business cards for bad credit with its 3% in one category of choice (from 6 options), 2% on dining, 1% all other; 3%/2% capped at $50K/year.
- 3% in one category of choice (from 6 options) rewards
- Access to Dun & Bradstreet business credit scores, choose your 3% category
- Personal guarantee required
Capital One Spark 1.5% Cash Select
Capital One
The Capital One Spark 1.5% Cash Select is a strong pick for business cards for bad credit with its Unlimited 1.5% cash back on every purchase; 5% on hotels/rentals via Capital One Travel.
- Unlimited 1.5% cash back on every purchase rewards
- None
- Personal guarantee required
Novo Business Card
Novo
The Novo Business Card is a strong pick for business cards for bad credit with its Up to 2% cashback on all purchases.
- Up to 2% cashback on all purchases rewards
- Integrated with Novo business checking, ecommerce integrations
Relay Visa Debit Card
Relay Financial
The Relay Visa Debit Card is a strong pick for business cards for bad credit with its 1% cashback on all debit card purchases (Pro plan).
- 1% cashback on all debit card purchases (Pro plan) rewards
- Up to 20 checking accounts, profit-first banking
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