The Business Advantage Unlimited Cash Rewards Secured credit card is our pick for overall best secured business credit card. With a $0 annual fee and Unlimited 1.5% cash back on all purchases, this card offers significant value for the small business owner looking to build credit.
Earn unlimited cash back
Minimum deposit: $1,000
Credit limit: Equal to your deposit account
If you have the funds to meet the required security deposit, it’s hard to find a better card. The Business Advantage Unlimited Cash Rewards Secured credit card offers unlimited 1.5% cash back on all purchases. You can even transition to an unsecured card if your credit history improves enough. Plus, it also has a $0 annual fee, a great rewards program and useful tools for small businesses.
Earn unlimited 1.5% cash back on all card spend
Minimum deposit: None — must link financial accounts for review
Credit limit: Determined by Ramp and credit issuer
The Ramp Visa Corporate Card offers a full expense management system for its cardholders. It integrates purchases into an expense management system, including reporting and integrations with accounting. The card also offers unlimited 1.5% cash back on all card spend, has a $0 annual fee and doesn’t require a security deposit or personal guarantee.
The management system is described as a “5-in-1 software that consolidates corporate cards, expense management, bill payments, accounting and reporting” into a single software platform that integrates with your business’s financial accounts. The corporate cards they offer are technically charge cards and you must pay your bill off in full each month. Note that, as a corporate card, you will not be liable for the debt. But this means it could be more difficult to be approved for a Ramp Visa Corporate Card, as you’ll typically need have an established business credit history and demonstrate sufficient annual revenue.
Intro APR offer
Get an intro offer of 0% for 9 billing cycles on purchases, followed by a 16.20%-27.75% APR
Minimum deposit: $1,100
Credit limit: $1,000 to $25,000, based on customer request
The Valley Visa® Secured Business Credit Card offers a 0% for 9 billing cycles on purchases (followed by a 16.20%-27.75% APR) — it’s a rare feature among secured cards. It also offers unlimited 1% cash back and doesn’t charge an annual fee. However, as a secured card, you’ll need to put up a security deposit of 110% of your requested credit line — up to a maximum credit line of $25,000.
Good for balance transfers with $0 balance transfer and $0 cash advance fees
Minimum deposit: $500
Credit limit: Between $500 and $25,000
The First Tech Platinum Secured Mastercard® features few fees, low APR and the ability to secure a high credit line of up to $25,000.
Primary features include the card’s lack of fees: annual, foreign transaction, balance transfer and cash advance. (The latter two are extremely rare.) You can also earn rewards points on every purchase — 1 point per $1 on every purchase, redeemable for travel, merchandise, gift cards and more.
Glen Luke Flanagan is a former senior credit card writer for LendingTree. He joined the team in June 2019, and covered topics that included new credit cards, how your credit score works and what you need to know about credit card interest.
Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.
Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.