The 6 Best Secured Business Credit Cards in 2025
Secured business credit cards are perfect for building business credit, and many offer additional benefits like rewards through points and cash back. Unlike a charge card, where you must pay your balance in full each month, a secured business card lets you carry a balance.
Besides that, they can help you track business expenses and separate your business and personal finances, which is helpful for tax purposes.
In this list, we’ll cover the six best secured business credit cards in 2025 based on criteria such as an introductory APR, regular APR, annual fee, rewards, and credit limit.
The Best Secured Business Credit Cards in 2025:
Best Secured Business Credit Cards Compared
| Credit Card |
Regular APR |
Rewards |
Annual Fee |
Cash Limit |
| Valley Visa Secured Business Credit Card |
15.95% to 27.50% |
1% unlimited cash back |
None |
Up to $25,000 with a matching security deposit |
| Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card |
28.49% |
1.5% cash back |
None |
Up to $10,000, and with a matching security deposit, and you may be eligible for an unsecured card later on |
| Hello Alice Small Business Secured Mastercard |
19.99% to 28.99% |
Up to 4x points on eligible purchases |
None |
N/A |
| First Bank Business Edition Secured Card |
29.49% |
None, but you earn interest on your security deposit |
$39 |
$2,000 to $100,000 |
| Metro Business Builder Visa Credit Card |
15.99% |
None |
$69 |
N/A |
| First National Bank of Omaha Business Edition Secured Mastercard |
25.99% |
None, but this card offers automatic rebates on over 40,000 merchants |
$39 |
$2,200 all the way to $110,000 with a matching security deposit |
1. Valley Visa Secured Business Credit Card
The main thing we love about card membership with this secured card is the low APR.
With the Valley Visa Secured Business Credit Card, you pay 0% APR during the six-month introductory period, which isn’t far behind the Chase Ink Business Cash card at 0% APR for 12 months.
After that, you’ll pay 15.70% to 27.25% APR, depending on your creditworthiness, just like many personal credit cards.
That’s an incredibly low APR and one of the lowest rates you’ll find. And even on the high end, it’s still less than many comparable secured business credit cards.
We also like that there’s no annual fee and that this card offers a credit limit of up to $25,000, which is higher than many other secured business credit cards.
While the 1% unlimited cash back is a little lower than some other cards, it’s still solid, all things considered.
It’s also a good choice for business owners with a limited credit history or a poor credit score, and you can add up to 25 cards to your account for free.
If you want to give most or all of your team members an employee card for efficiently managing business expenses, this may be the best business credit card for doing so.
Beyond that, it comes with additional perks like secured Visa purchase alerts and robust fraud protection alerts similar to the Capital One Business Platinum Card, so you can easily stay on top of your account and quickly identify suspicious activity.
Put it all together, and the Valley Visa Secured Business Credit Card is an all-around solid card that has a lot going for it.
If you’re looking for a no-hassle secured credit card that offers a high credit limit, relatively low APR, and a straightforward rewards program for business owners with bad credit, this is a great choice.
2. Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card
Let us start by saying that it was a difficult decision between this card and the Valley Visa Secured Business Credit Card as the number one overall pick, as both are top contenders.
We love this secured business credit card for four main reasons.
First, it offers a 1.5% cash back statement credit on every purchase you make, which is the same as the Capital One Spark 1.5% Cash Select Card.
If you’re looking for a simple, straightforward rewards program with no annual cap and rewards that don’t expire, the Bank of America Advantage Unlimited Cash Rewards Mastercard is hard to beat.
Next, it offers a credit limit of $1,000 to $10,000, depending on how big of a security deposit you make.
Third, there’s no annual fee.
While several other business credit cards on this list also have no annual fee, this is a key factor in this card’s overall appeal.
Fourth, this card allows you to eventually transition to an unsecured credit card as you build a positive credit history and raise your business credit score.
As long as you use it responsibly and consistently make payments on time, you may become eligible for an unsecured card, as Bank of America periodically reviews accounts.
This makes it a good fit for business owners who are looking to improve their credit and want a flexible credit card issuer. And if you’re hoping to eventually make the transition to an unsecured credit card, this is a great choice.
In terms of drawbacks, Bank of America has a 27.49% APR, which is higher than some other cards, and they also don’t offer a low introductory APR.
But on the whole, this is an excellent secured business credit card, especially for business owners who want to build (or rebuild) their credit history.
And if you ever want to open a checking account or get a debit card to consolidate your business online banking, you can do it conveniently with Bank of America. Plus, Mastercard offers business gift cards that you can pass out to your employees.
3. Hello Alice Small Business Secured Mastercard
If you’re looking for a secured credit card with a comprehensive rewards program, the Hello Alice Small Business Secured Mastercard should definitely be on your radar.
Here’s what it offers:
- 4x points for every $1 spent on eligible wireless telephone service and business software purchases
- 3x points for every $1 spent on eligible office supplies and shipping purchases
- 2x points for every $1 spent on eligible rideshare and restaurant purchases
- 1.5x points for every $1 spent on all other purchases,” including travel rewards
Besides that, this business credit card has no annual fee and 0% introductory APR on your purchases and each balance transfer during the first six months.
After that, there’s a variable APR ranging from 18.99% to 27.99%, depending on your creditworthiness.
When you combine the generous points, lack of annual fee, 0% introductory APR, and reasonable variable APR, you can see how this Mastercard International Incorporated card made our list.
Also, note that you may be eligible for an unsecured business credit card in as little as 11 months if you consistently make your payments on time and have a strong enough credit score.
This makes it a great all-around business credit card with additional perks like 24/7 business assistance, theft protection, zero liability protection, and more.
An added plus is that this is a company that places a large emphasis on educating small business owners and offers access to virtual learning events, as well as one-on-one business coaching.
Just note that given the somewhat complex rewards program, it’s probably not the best credit card if you like keeping your rewards extremely simple.
4. First Bank Business Edition Secured Card
If you’re looking for a high credit limit, you’ll definitely be interested in the First Bank Business Edition Secured Card.
It offers one of the highest credit limits on this list, starting at $2,000 and going up to $100,000.
And while there isn’t a traditional rewards program, this secured business credit card lets you earn interest on your security deposit.
As for the interest rate, the First Bank Business Edition Secured Card offers 24.99% APR on both purchases and each balance transfer, which isn’t overwhelming and, admittedly, one of the higher interest rates on this list.
Also, there’s no introductory APR and a $39 annual fee.
But with the high credit limit and interest earned on a security deposit along with several other perks like built-in finance management reporting, cash flow management, and simple transaction activity viewing, we feel it’s certainly worth mentioning.
Although it’s likely not the right fit for small businesses that can’t afford (or don’t want) to make a large security deposit or those that want a robust rewards program, it can be an excellent fit for those that want to gain interest on a large security deposit while simultaneously building their commercial credit score.
5. Metro Business Builder Visa Credit Card
Perhaps the most notable benefit of the Metro Business Builder Visa Credit Card is its low purchase rate of just 15.49% to 18.00% on purchases, each cash advance, and each balance transfer, making it one of the lowest on this list.
That’s a huge selling point, and that alone is enough to pique the interest of many business owners.
If you’re looking to keep your interest to a bare minimum while building your business credit score, this card should definitely be on your radar.
When it comes to drawbacks, the fact that there’s no rewards program is probably the biggest.
Also, this card has a $69 annual fee, which is the highest on this list. So this is something you’ll need to take into account and make sure that the low interest justifies the high annual fee.
But as long as you use this secured Visa credit card frequently, the numbers should crunch.
We should also say that the Metro Business Builder Visa Credit Card doesn’t disclose their credit limit directly on their website, so we can’t say for certain what it is.
As for other notable perks, this secured business credit card has:
- 24/7 customer service on balance inquiries, charge disputes, and transaction history
- EMV Chip Technology to maximize security
- Metro Card Controls that allow you to conveniently lock and unlock your card
- Detailed reporting information on transactions, payment activity, pending payments, and more
- Individual card numbers that allow you to easily track multiple employee credit cards
While the lack of rewards and high annual fee aren’t ideal, the low interest rate and additional perks still make this card one to consider.
So if locking in a low APR is your main objective, this could likely be the best secured business credit card for you.
6. First National Bank of Omaha Business Edition Secured Mastercard
Like some other secured business credit cards on this list, the First National Bank of Omaha Business Edition Secured Mastercard doesn’t offer any rewards, which will likely be a turnoff for some business owners.
Also, it does have an annual fee. However, it’s only $39, which is fairly reasonable considering the big picture.
But once you get past that, the First National Bank of Omaha Business Edition Secured Mastercard has some attractive benefits, which is why we’re including it in this list.
One is a variable 24.99% APR, which is lower than many other business credit cards.
Another is the credit limit, which ranges from $2,200 all the way to $110,000, making it the highest on this list.
Again, like all secured business credit cards, you have to pay a security deposit, but this is an excellent card if you have the funds to do so and are serious about raising your credit score.
Besides that, you earn interest on your security deposit, and this card offers automatic rebates on over 40,000 merchants through the Mastercard Easy Savings program.
So while this won’t likely be the best secured credit card option if you’re a business owner who wants a rewards-heavy card, it certainly can be if you value a relatively low APR and high credit limit.
How eCredable Can Help You Build Business Credit
Having a secured business card is an effective way to build your commercial credit score.
But another option that’s even better than a secured card is using eCredable to turn your utility and telecom bills into business tradelines.
It works by reporting things like your electricity, water, internet, and certain mobile phone bills to major credit bureaus, which in turn, can quickly boost your business credit.
In some cases, using eCredable combined with following other best practices like getting a DUNS number and EIN can even build business credit in 30 days.
eCredable doesn’t require a huge security deposit, and you can get multiple business tradelines for the price of one subscription.
You can learn more about how eCredable works here.
FAQs
Will a Secured Card Build Business Credit?
Yes.
As long as a business credit card company reports your payment records to at least one major credit bureau and you make your payments on time or in advance, you should build business credit.
It works similarly to using a consumer credit card for building personal credit.
Therefore, if you have bad credit or limited credit, you should see an improvement by using a secured business card.
Also, note that secured business credit cards are usually easier to qualify for if you have a low credit score. That’s because you provide a security deposit, which means there’s less risk for a credit card issuer. That being said, secured credit cards are the only business credit cards for bad credit.
Can I Get a Secured Credit Card in My Business Name?
Yes. You can usually get a secured credit card in your business’s name.
To do so, you’ll need to provide key information such as your physical address and EIN to prove that your business is legitimate.
Note that having this information can also help you build your business credit score without using personal credit.
Keep in mind that most credit card companies will also want your personal information when applying for a secured credit card, and the card will typically have both your name and your business name on it.
Can I Get a $10,000 Secured Credit Card?
Each card has a different credit limit, and not all of the cards on this list offer $10,000 in credit.
Some only offer up to $2,000 or $3,000.
However, multiple cards on this do offer $10,000 or more in credit.
These include the Valley Visa Secured Business Credit Card, the Bank of America Business Advantage Unlimited Cash Rewards Mastercard Secured Credit Card, the First Bank Business Edition Secured Card, and the First National Bank of Omaha Business Edition Secured Mastercard.
The bottom line is that it is possible to get a $10,000 secured credit card, but not all card issuers offer it.
Does Amex Have a Secured Business Credit Card?
No. American Express doesn’t currently offer a secured business credit card.
In fact, most major banks like Capital One and Citigroup don’t have any secured business credit card options, with Bank of America being the main exception.
To get a small business credit card from American Express, you’ll need to have a good to excellent credit score, in which you may be eligible for an unsecured business card.