Top 5 Business Credit Cards For Bad Credit

Whats good Wealthbuilderz ?! I know things happen and life can get out of control sometimes. Bills and things of that nature can really have your credit in the hole but the thing is I know for a fact you still want to start that business so I’m give you a list of the Top 5 Business Cards for bad credit that I’ve found. 

The Top 5 Business Cards For Bad Credit

1. Stripe Corporate Card

• 1.5% cash back on all business purchases
• Partner benefits with AWS, Slack, Gusto, & others
• Custom spend controls
• Real-time expense reporting
• Integrations with QuickBooks, Xero, & Expensify
• No annual fees, foreign transaction fees, or late fees
• US businesses must contact the sales team & wait for an invite to get the card

2. Brex Mastercard 

• $50,000 signup bonus points after spending $9,000+ in the first 30 days
• Brex offers a corporate credit card designed to help companies boost their spending power and grow faster.
• Get 10-20x higher limits than traditional business credit cards while earning rewards and cash back on everything you spend, like 7x on ride share and 2x on recurring software.
• Build business credit from day one with a card that’s automatically paid monthly
• No credit check, no personal guarantee, no account fees, and no interest
• Save time and money with automatic receipt-matching and built-in expense management tools to help you gain detailed insights on your spendIssue unlimited virtual cards to your team, and set custom limits on each card.
• Close the books in record time with QuickBooks, Xero, NetSuite, Concur, and Expensify integrations to get approved for a Brex card with monthly payments, businesses need a linked bank balance of at least $50,000

3. Divvy Visa Business Card 

• Terrific rewards potential if you pay off your bill more than once per month.
• No annual fee, so you won’t have to worry about offsetting card costs with rewards.
• No personal guarantee or hard credit inquiry required solid perks for tracking and divvying up employee spending
• Wide range of potential credit limits based on the size of your business up to $25,000 in Amazon Web Services (AWS) activate credit over two years.
• $150 off Google Ads
• $50 off a new Costco membership
• $50 off a new phone with Verizon Wireless
• 25 percent off your first year subscription with Gusto
• $200 account credit with BambooHR
• 20 percent off your first year at over 
• 600 coworking spaces through Deskpass

4. Ramp Business Card 

• 5-in-1 platform. Corporate cards, expense management, bill payments, accounting integrations, and real-time reporting in one free and easy to use solution controls at scale.
• The only credit card that allows you to control spend at the merchant, category, and spend level cash back.
• You’ll earn a flat 1.5% percent cash back on all purchases, with no limits or restrictions.
• Ramp savings. Administrators of the account can access a section that illustrates the company’s long-term spending over time, while identifying areas the company can save. 
• This is one of the major selling points of this card and currently unique to the Ramp Card. 
• In addition to tracking spending, Ramp claims the dashboard can identify redundant business subscriptions, better SaaS pricing options and other savings tailored to the company, leading to up to 2 percent in savings.
• No fees. There are no annual fees, interest rates, or foreign transaction fees associated with the Ramp Card. Free employee cards.
• Ramp is offering unlimited virtual with support for Apple and Google Pay, as well as custom-branded physical employee cards at no additional cost.
• Visa benefits. This includes zero liability and fraud protection.
• Free bill pay. Streamline your bill payments with AP automation, approvals and accounting. free accounting automation.
• Automated expense accounting is directly compatible with QuickBooks, Xero, Sage, NetSuite and more.
• Realtime reporting and integrations. Receive automatic reporting on every dollar spent. 
• You can also streamline work items, including approvals and accounting.
• Credit limit. Ramp advertises a larger than average credit limit for businesses.
• No founder liability. If your company becomes insolvent, the cardholder isn’t personally liable for the remaining debt on the credit card.

5. Mercury Mastercard 

• Annual Percent Rate (APR) – Ranges from 25.90% to 27.90% and can fluctuate based on the Prime Rate.
• APR for Cash Advances – Varies between 27.90% and 29.90% and can fluctuate based on the Prime Rate. 
• Annual Fee – none. 
• Late Fees – Up to $38.
• Balance Transfer Fee – Either $5 or 4% of the amount of the balance transfer, whichever is more.
• Cash Advance Fee – Either $10 or 5% of the amount of the cash advance, whichever is more.
• Foreign Transaction Fee – If you use your card overseas, you’ll pay 3% of each purchase. 
• Credit Limit – Most users report a $1,500 credit limit, but some reviewers say they were given up to $5,000 in credit. Some users also report receiving an automatic credit limit increase. 

There you have it my top 5 business cards for bad credit. There are definitely a lot more cards out on the market and I will be doing more reviews of these cards in the near future. If you’re looking for business funding check out the link in the description. You can get up to $250,000 of funding to build your business. 

Doesn’t matter if you’re just starting your business or been business for a while now. And it doesn’t matter what you need the funding for. Just click the link below and get started today.