Best Secured Business Credit Cards of 2025 – ryan

Getting approved for a business credit card can be challenging if you have bad credit. If you’re in this boat, a business secured credit card may be what you need.

A secured business credit card provides you with a line of credit to use for business expenses, using your own money as a security deposit to ensure you repay what you owe. Used responsibly, it can also help you build your business credit score.

Secured business credit cards are relatively few and far between, but Business Insider’s personal finance experts reviewed the options available to bring you this list of our top recommendations.

We compared security deposits, pros and cons, annual fees, and benefits to help you choose the best secured business credit card for you in 2025.

Best Secured Business Credit Cards of 2025

Best for Cash Back

The Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card earns 1.5% cash back on every purchase with a $0 annual fee.

It’s rare for a secured business credit card to earn rewards, so 1.5% flat-rate cash back is a generous rate of return.

If you’re approved for this card, your credit limit will be equal to the amount you contribute for your security deposit, which must be at least $1,000.

Bank of America periodically reviews your account for responsible use and timely balance payments. If your overall credit history improves, you may be considered for an upgrade to an unsecured business credit card so you can get your security deposit back.

Best for 0% Intro APR

The Valley Visa® Secured Business Credit Card is a great tool for business owners with low credit who need time to pay off a new purchase without incurring interest.

The card offers new cardholders a 0% intro APR on purchases for first six months, then 16.20% to 27.75% variable APR. This feature is rare on secured business credit cards, and can be beneficial if you have a large impending transaction

Cardholders earn an unlimited 1% cash back on eligible purchases — a solid return for a secured business credit card. The card doesn’t charge annual fees, and you can add up to 25 employee cards at no additional cost.

Valley National Bank offers credit limits of up to $25,000, but requires a security deposit of 110% of your limit.

Best for Protecting Personal Assets

Many business lines of credit require a personal guarantee, which allows creditors to seize your personal assets, such as a home, vehicle, or financial accounts, if you don’t pay back what you owe.

But the Ramp Visa Corporate Card doesn’t require a personal guarantee, making it one of the best secured business credit cards for protecting your personal assets. And getting this business card won’t affect your personal credit score because Ramp doesn’t rely on your personal resources when evaluating your creditworthiness.

Ramp determines your credit limit based on several factors, including how much money you have in the business bank account you link to this card. As a result, you may be offered a total limit of up to 20 times higher than that of a typical secured business credit card.

This is a charge card, however, so you’ll have to pay what you owe in full each month, and Ramp can limit your total spending limit at its discretion.

The Ramp Card is part of a larger business financial management platform, and business owners can issue unlimited virtual and physical cards to employees at no additional cost.

Read more in our Ramp Card review.

Best for Big Spenders

The Brex Card is a niche card for businesses with $400,000 or more in monthly revenue, or close to $5 million annually.

If your business qualifies for the Brex Card, this no-annual-fee business card could be a good fit for your financial needs — but only if you commit to using it exclusively for all company expenses.

Cardholders who use this card exclusively can earn up to 7 points per dollar on certain categories of spend. And businesses in tech or life sciences, or companies that also have a Brex Cash account, can earn up to 8 points per dollar on top expense categories. But if you don’t use the Brex Card exclusively, you’ll only earn 1 point per dollar spent.

The Brex Card shines when it comes to fees — or the lack thereof. You won’t pay an annual fee for this card, nor will you incur interest. Instead, Brex makes money from the merchants it partners with, so this is a good choice for entrepreneurs willing to go all in on a single business card.

New cardholders can earn a rare welcome offer from a secured business card: 10,000 points when you spend $3,000 on your Brex card within three months of your Brex business account being opened.

Read more in our Brex credit card review.

Best for Earning Interest

Business owners who need a lot of credit on a secured business credit card should consider the FNBO Business Edition® Secured Mastercard® Credit Card.

Credit limits range from $2,000 to $100,000 in multiples of $50, as long as you put down a cash security deposit of 110% of your limit.

This secured business credit card doesn’t earn rewards on purchases, but cardholders can earn interest from their security deposit. Benefits include rental car protection, mobile receipt management, and Mastercard Easy Savings.

The card charges an annual fee of $39, and there is a foreign transaction fee for purchases outside the U.S.

Secured Business Credit Card Basics

A secured business credit card provides access to credit when your credit score is too low for traditional credit cards.

Secured business credit cards can be used just like regular business credit cards, so you can pay for company-related supplies, materials, utilities, and other operating expenses. Some even earn cash back rewards or offer 0% intro APR.

The primary difference is that secured credit cards require a cash security deposit to cover any potential outstanding balance in case you stop making payments. Your security deposit typically determines your credit limit, up to a maximum limit.

How to Choose the Best Secured Business Credit Card for You

Choosing the best secured credit card for your business depends on your goals, where you spend the most, and which features are most important to you.

Building Credit With A Secured Business Credit Card

A secured business credit card does most of the work of rebuilding your credit, as long as you use it responsibly.

With time and consistent repayments, you may qualify for business credit cards that don’t require a security deposit.

Some banks allow responsible secured credit cardholders to “graduate” to unsecured business credit cards with time and consistent payment history, which frees up your security deposit and opens up the possibility of qualifying for additional business credit.

Secured Business Credit Card Alternatives

If you aren’t ready to apply for a secured business credit card, there are alternative ways to pay bills and get money for your business.

Get a Business Credit Card for Fair Credit

If you can qualify for an unsecured business credit card, you can save the money you would have otherwise put aside for a secured business credit card security deposit.

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