The Best Business Credit Cards to Build Credit for 2021

Expand your financing options by spending responsibly with one of the best business credit cards for building credit.

Trying to build your credit? These business credit cards for building business credit are your top options.

Best Overall

The no-nonsense Capital One Spark Classic for Business makes it a lot easier to get some working capital, borrow responsibly, improve your credit, and eventually access more premium business credit cards.

Most credit cards targeted for people with less-than-stellar credit offer lesser deals, but the Spark Classic is a notable exception—it offers unlimited 1% cash back on all purchases with no annual fee or foreign transaction fee.

Even rarer, the Spark Classic won’t require that you provide a security deposit for your credit line. In fact, it’s one of the only business credit cards for building credit that are truly unsecured.

It’s definitely worth noting that Capital One does report to all three of the major personal credit bureaus. This will give you an opportunity to build your business credit by showing that you pay bills on time and don’t go over your credit limit.

That being said, this fact can be a double-edged sword—if you miss payments or overspend your credit limit, this means that your personal credit will suffer from the business spending you do with the Spark Classic.

The Spark Classic is the perfect business credit card for building credit for those ready to spend responsibly and wrack up cash back for their small business.

Best Secured Business Card

The best option for secured credit cards for building credit is the Capital One Secured MasterCard. It’s a personal secured credit card, but this will make improving your personal credit score that much easier.

Unlike most secured cards, which set your credit limit equal to your deposit, the Capital One Secured Mastercard allows for a lower deposit based on your credit score.

Depending on your credit history, Capital One might not require you to put down the entire sum of your credit limit as a security deposit. That means, for example, that you can choose to deposit $49, $99 or $200 for a starter credit line of $200.

Plus, with its annual fee of $0, the Capital One Secured MasterCard is one of the most flexible and affordable setups for business owners who need to prove their financial responsibility and rehabilitate their credit quickly.

Best Prepaid Business Card

Secured Card

Bento for Business Visa® Debit Card

Apply Now
on Bento for Business's secure website
  • Instant decision
  • No credit check required
  • One-click card controls & expense reports
  • Welcome offer

    60 day

  • Rewards rate


  • Annual fee


  • Minimum credit


Let’s get one crucial fact straight from the get-go—the Bento for Business Visa® Debit Card card won’t help you build or rebuild your credit.

As such, you might be wondering why exactly we feature this prepaid card in our guide to building credit.

Well, admittedly, Bento for Business is prepaid and, as a result, functions more like a debit card than a business credit card. Accordingly, you won’t be able to build credit through spending responsibly on Bento for Business.

However, if you’re working with sub-550 credit, then you won’t be able to access the flexibility of a business credit card—secured or unsecured—and you’ll have to build credit through a personal secured credit card—like the Secured Mastercard® mentioned above.

In order to access the perks of business credit cards—like employee cards, allowances, and oversite—with challenged credit, opt for the Bento for Business Visa® Debit Card card while you build credit with another card.

Is a Business Credit Card for Building Credit Right for You?

Get a Business Credit Card to Build Credit if:

  • You’re looking to build or rebuild your credit.

Skip These Business Credit Cards for Building Credit if:

  • You’ve got a personal credit score of 620 or higher.

Frequently Asked Questions

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