Credit Cards
Best secured business credit cards of October 2026
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Best for frequent travelers with a low credit score
Capital One Quicksilver Secured Cash Rewards Credit Card
- Intro offer
- Annual fee$0
- You'll earn1.5-5x
- Regular APR29.24% (Variable)
If you’re a business owner with bad or limited credit, one of our picks for the best secured business credit cards can help improve your credit rating. This is especially a solid option if you’ve previously had difficulty getting approved for a traditional business credit card.
Your secured business credit card will require a refundable deposit that’ll initially serve as your credit line until a bank determines whether or not you’re eligible for an unsecured card. A secured business credit card is also a great way to separate your business and personal expenses while improving your business credit score (which is separate from your personal credit score). It’s also important to note that a personal secured credit card that isn’t a business card — such as the Capital One Quicksilver Secured Cash Rewards Credit Card — could be a good alternative if you cannot qualify for a business card.
Used responsibly, a secured business credit card could mean better approval chances for business loans and credit lines with favorable terms in the future.
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Comparing the best secured business cards
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“More details on the best secured business credit cards”
How we rate
Welcome bonus
Though our picks for secured business credit cards don’t feature sign-up bonuses, using a secured card can help you establish better credit so you qualify for cards that do offer solid welcome bonuses in the future.
Annual fee
Though typically secured cards don’t feature an annual fee per se, some do. This fee is usually small, and sometimes you can recoup that cost by making consecutive payments on time, for example.
Earning rates
Some secured cards let you earn rewards, like cash back, as you work to establish or improve your credit.
Redemption options
Typically, you can use rewards earned on secured credit cards as statement credits to help make sure you keep your balance paid and clear.
Added benefits
Perks are typically limited on secured credit cards with the exception of those that offer the ability to earn rewards like cash back.
How to choose the best secured business credit card
When choosing the best secured business credit card, you should align your top choices with your business and financial goals. Maybe you want to improve your business credit score or establish credit; secured business credit cards can help you get there.
Here are some of the main points to consider when choosing a secured business credit card:
- 1Sign-up bonus
Depending on the secured card you get, you may not have the choice to earn a sign-up bonus. Focus on establishing or improving your credit first, then reap the rewards of a great credit score by applying for a rewards card with a great welcome bonus.
- 2Annual fee
You can choose between secured business credit cards with no annual fees or cards that come with nominal fees, it depends on what you’re looking to get ultimately get out of a credit card.
- 3Bonus categories
If you plan on making frequent purchases in specific categories — like rental car reservations or hotel bookings — opt for a secured business credit card that lets you earn decent rewards in those areas.
How to pick a strategy for your small-business credit cards - The Points Guy
Create a financial plan to maximize for your small business
Pros + cons of secured business cards
Pros
- Secured business credit cards can help you establish and improve your credit
- Some secured business credit cards offer the ability to earn rewards
Cons
- Outside of building and improving credit, secured business credit cards don’t offer much else
Frequently asked questions
What are the benefits of a secured business credit card?
Not every business owner is in a financial position to receive an unsecured business credit card or a large business loan. A secured credit card can help build responsible spending habits and increase credit standing.
Secured business credit cards should be treated with the same rules as personal credit cards. You can check out this guide for more tips on using your credit card.
With recurring “good standing” usage, business owners should see a significant increase in their credit score within a year of opening their credit cards. This increase can help business owners upgrade to unsecured business credit cards or qualify for a business loan with more favorable terms. This can include some of TPG’s favorite business cards with hefty welcome bonuses and an array of valuable perks.
How long does it take to build credit with a secured business credit card?
Using a secured credit business card effectively will help you build your business credit. Typically, this process can take up to a year as you transition to an unsecured business card. Having good business credit history will help your business qualify for better loans and credit lines.
