A curated selection of business credit cards designed for Limited Liability Companies with poor or limited credit history. These options focus on reporting to commercial bureaus, offering secured deposits, or utilizing alternative data to help rebuild business credit while providing essential cash flow management tools.
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A secured card that reports to all three major commercial credit bureaus, helping rebuild business credit history effectively. It offers 2% cash back at restaurants and gas stations, and 1% elsewhere, with no annual fee and a path to upgrade to an unsecured card.
Designed for business owners with bad credit who want to establish or rebuild their commercial credit profile. It requires a cash deposit as security, does not charge an annual fee, and allows for customizing credit limits based on the deposited amount.
While primarily targeting good credit, some applicants with past issues may still qualify due to its flexible underwriting. It offers 2% cash back on all purchases up to $50,000 per year, then 1%, with no annual fee and no foreign transaction fees.
An unsecured option that may be accessible to those with less-than-perfect credit depending on overall financial strength. It provides unlimited 2% cash back on all purchases for the first year, making it attractive for new LLCs looking to maximize early rewards.
This card allows owners to choose two category bonus rates, offering flexibility for diverse business expenses. Although strict, U.S. Bank may consider applicants with damaged credit if they demonstrate strong business revenue and cash flow stability.
A popular choice for small businesses that does not charge an annual fee and offers 2x points on purchases up to $50,000 annually. Approval can be possible for those with bad credit if the business has a solid track record and low debt-to-income ratio.
Offers 5% cash back on internet advertising and social media site purchases, plus 2% on dining and travel. While Chase has strict underwriting, recent positive changes in credit history or strong business banking relationships may improve approval chances.
Issued by First National Bank of Omaha, this card is known for being more lenient with credit scores compared to major banks. It offers 1.5% cash back on all purchases and reports to business credit bureaus, aiding in rebuilding efforts.
A store card that offers rewards specifically for Sam's Club purchases and general retail. It is generally easier to qualify for than major bank cards, making it a viable option for LLCs with bad credit looking for basic purchasing power and rewards.
Provides 5% financing on select purchases and everyday savings on top. Its approval criteria are often more flexible, serving as a foundational tool for LLCs with poor credit to establish basic commercial purchasing capability.
While technically consumer-focused, many small business owners use it for tool and supply purchases due to its lenient credit requirements. It offers special financing promotions and discounts, helping LLCs manage operational costs despite poor credit history.
Similar to Home Depot, this card is accessible to those with bad credit and offers significant discounts on building materials. It is ideal for construction or renovation-based LLCs needing to finance inventory without passing traditional credit checks.
Offers a rotating 10% reward category in various sectors like office supplies or gas, with 1% on other purchases. Synchrony partners with many retailers and is often more willing to work with applicants who have subprime credit histories.
Designed for business owners with bad credit, this card requires no security deposit but may have a lower credit limit. It offers unlimited 1.5% cash back on every purchase, providing a straightforward way to earn rewards while rebuilding credit.
An unsecured card that offers unlimited 1.5X miles on every purchase. It is tailored for business owners with average or poor credit, offering a simple rewards structure without complex category restrictions or annual fees.
A credit union card that may offer better terms for members with less-than-perfect credit. It provides 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants, helping manage high-frequency operational costs.
Available to eligible members, this card offers 1 point per dollar on all purchases, redeemable for gift cards or merchandise. Credit union backing often allows for more personalized underwriting, potentially approving LLCs rejected by big banks.
While typically for good credit, using this as a target for future applications can guide financial behavior. New LLCs with bad credit should focus on secured cards first, then apply here once commercial credit scores improve significantly.
A high-reward card for travel and dining that requires excellent credit. It is listed here as a benchmark goal; LLCs with bad credit should utilize secured cards for 12-24 months to build history before qualifying for this premium option.
Ideal for frequent business travelers, offering American Airlines AAdvantage miles and first checked bag free. Approval is challenging for bad credit, but it serves as an aspirational target for LLCs planning to elevate their credit profile rapidly.
Another U.S. Bank option that may be more accessible than their standard cards. It offers customizable bonus categories and 1% cash back on all other purchases, providing flexibility for LLCs navigating early-stage financial challenges.