Business owners with low or limited credit histories often have difficulty qualifying for traditional business credit cards. This is where secured business credit cards become a practical solution for building or improving credit while providing essential purchasing power.
When choosing the best secured business credit card, consider factors like the size of the required security deposit, whether the card reports to credit bureaus, fees, and any additional benefits like rewards or expense management tools. Find a card that fits your budget, aligns with your business spending habits, and supports your long-term credit-building goals.
How We Chose the Best Secured Credit Cards for Business
Founder’s Guide chose the best secured business credit cards based on criteria that matter most to business owners with low or limited credit—the required security deposit, ease of approval, fees, and interest rates. We also considered whether the cards reported to major credit bureaus to help build credit, as well as additional perks such as rewards programs, expense management tools, and customer support. Our goal was to provide a diverse range of options to suit various business needs, from sole proprietors and startups to established companies looking to strengthen their credit profiles.[/su_spoiler]
Here are our seven best secured business credit card recommendations for 2025:
| Annual Fee | Rewards | Security Deposit | |
|---|---|---|---|
 Hello Alice Small Business Secured Mastercard® | $0 | Up to 4x points per dollar | From $2,000 |
 Valley Visa® Secured Business Credit Card | $0 | 1% cash back | 110% of your desired credit limit (max of $25,000) |
 Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card | $0 | 1.5% cash back | From $1,000 |
 First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card | $39 | Rebates at over 40,000 merchants through Mastercard Easy Savings® | $2,000 to $10,000 |
 Discover it® Secured Card | $0 | Up to 2% cash back | From $200 |
 Capital One Quicksilver Secured Cash Rewards Credit Card | $0 | Up to 5% cash back | From $200 |
 First Tech Platinum Secured Mastercard® | $0 | 1x point per dollar | Not disclosed |
Hello Alice Small Business Secured Mastercard®
Who It’s Best For: Entrepreneurs who want personal and business credit-building opportunities and access to an accounting system.
Why It’s Great: You can earn up to 4x points per dollar on your purchases, which you can redeem to access Hello Alice events and workshops, or as gift cards or cash back on eligible purchases. Also, it features 0% APR on purchases and balance transfers for the first six months of opening an account.
Security Deposit: Starts at $2,000
Key Features:
- $0 annual fee
- $50 statement credit when you spend $1,000 in the first three billing cycles after account opening
- Rewards for your purchases:
-
- 4x points per dollar on wireless telephone services and business software
- 3x points per dollar on office supplies and shipping
- 2x points per dollar on rideshare and dining
- 1.5x points per dollar on all other purchases
-
Visit Hello Alice Small Business Secured Mastercard® to learn more.
Valley Visa® Secured Business Credit Card
Who It’s Best For: Small business owners who prefer straightforward rewards with a 0% APR feature.
Why It’s Great: You can get a credit limit of up to $25,000 with a 110% security deposit. It offers unlimited 1% cash back on all purchases, and it comes with a 0% APR on purchases and balance transfers for the first six months of card ownership.
Security Deposit: 110% of your desired credit limit (maximum of $25,000)
Key Features:
- $0 annual fee
- Up to 25 employee cards at no additional cost
- Online account access with fraud protection
Visit Valley Visa® Secured Business Credit Card for more information.
Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card
Who It’s Best For: Business owners who want to earn unlimited rewards, build a business credit, and have a credit line with a major financial institution.
Why It’s Great: You’ll receive 1.5% cash back on all purchases, regardless of expense categories. Plus, you’ll get free access to your Dun & Bradstreet business credit scores within Business Advantage 360, Bank of America’s small business online banking.
Security Deposit: Minimum of $1,000 (equivalent to your desired credit limit)
Key Features:
- $0 annual fee
- Cash flow management tools
- Travel benefits like $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost luggage assistance, and legal and medical referrals
Visit Bank of America Business Advantage Unlimited Cash Rewards Secured Business Credit Card to learn more.
First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card
Who It’s Best For: Business owners who prefer to earn interest on their security deposits.
Why It’s Great: You will receive automatic rebates at over 40,000 merchants through Mastercard Easy Savings®. In addition to that, you’ll earn interest on your security deposit while enjoying credit-building benefits as you use your card responsibly.
Security Deposit: From $2,000 to $10,000 (multiples of $100), depending on your requested credit limit
Key Features:
- $39 annual fee
- Zero liability
- Cash flow management tools and 24/7 online access
Visit First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card for additional details.
Discover it® Secured Card
Who It’s Best For: Sole proprietors or small business owners who prioritize strong rewards and low cost, and do not require a substantial credit limit.
Why It’s Great: This consumer-focused secured credit card offers great cash back rewards that can be useful for sole proprietors. You can earn up to 2% cash back—plus, you’ll get an automatic unlimited dollar-for-dollar match of the rewards you receive at the end of your first year.
Security Deposit: Minimum of $200, equivalent to your credit limit
Key Features:
- $0 annual fee
- Free access to FICO® Credit Score
- Automatic monthly account reviews after seven months
- Rewards for your purchases:
-
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
- 1% cash back on all other purchases
-
Visit Discover it® Secured Card to see further details.
Capital One Quicksilver Secured Cash Rewards Credit Card
Who It’s Best For: Entrepreneurs who travel frequently and do not need a high credit limit.
Why It’s Great: It is a personal secured credit card that gives premium cash back rewards on car rentals and hotel stays booked through Capital One Travel. Additionally, it doesn’t charge foreign transaction fees, making it ideal for frequent travelers.
Security Deposit: At least $200, equivalent to your desired credit limit (up to $1,000 to $3,000, based on creditworthiness)
Key Features:
- $0 annual fee
- $0 foreign transaction fees
- Automatic credit line reviews after six months with no additional deposit
- Rewards on purchases:
-
- 5% cash back on hotels and car rentals booked through Capital One Travel
- 1.5% cash back on everything else
-
Visit Capital One Quicksilver Secured Cash Rewards Credit Card to find out more.
First Tech Platinum Secured Mastercard®
Who It’s Best For: Business owners who want to save significantly on credit costs.
Why It’s Great: It comes with a low starting APR and few fees, helping you save on costs. On top of that, you’ll earn fixed-rate rewards on your purchases, which you can redeem for travel, merchandise, gift cards, and more.
Security Deposit: The specific minimum and maximum deposit amounts are not publicly disclosed—for precise details, contact First Tech Federal Credit Union directly.
Key Features:
- 1x point per dollar on all purchases, regardless of spending categories
- $0 annual, foreign transaction, balance transfer, and cash advance fees
- Integrations with Digital Wallet programs like Apple Pay®, Samsung Pay®, Samsung Wallet®, Google Pay®, and more
Visit First Tech Platinum Secured Mastercard® for additional information.
Benefits of Secured Credit Cards for Business
- Credit Building: Secured credit cards report to major credit bureaus, allowing responsible users to improve their credit scores.
- Accessible Approval: Designed for individuals with low or no credit, approval odds are higher than for traditional cards.
- Rewards and Perks: Many secured business cards offer cash back or points rewards on everyday spending.
- Business Management Tools: Access to expense tracking and spending reports simplifies financial management.
Risks of Using Secured Credit Cards
- High Upfront Cost: Security deposits tie up funds that could be used elsewhere.
- Fees and Interest Rates: Some cards charge annual fees or high APRs, increasing costs.
- Impact of Late Payments: Missed payments can harm your credit, countering your goals.
- Low Credit Limits: Credit limits are often tied to the deposit, limiting purchasing power.
- Minimal Rewards: Rewards programs are often less generous than unsecured cards.
- Mismanagement Risks: High utilization or carrying a balance can damage your credit score.
Tips for Using Secured Business Credit Cards Effectively
- Pay On Time, Every Time: Consistently making on-time payments is the most important factor in building credit.
- Keep Utilization Low: Try to keep your spending below 30% of your credit limit to improve your credit score.
- Monitor Your Credit: Regularly check your credit reports to track your progress and spot errors.
- Upgrade When Eligible: As your credit improves, consider transitioning to an unsecured business credit card with better terms and higher limits.
Final Thoughts
Secured business credit cards are a valuable tool for entrepreneurs with low or limited credit histories. By offering accessible approval, credit-building opportunities, and potential rewards, these cards can pave the way for future financial growth. When choosing a card, consider your business needs, the deposit amount you can afford, and any rewards or perks that align with your spending habits.
With responsible use, secured credit cards for business can help you establish a strong credit profile, unlocking greater financial opportunities for your business in the future.
Disclosure: The products mentioned in this article were independently selected by our editorial team based on the criteria mentioned. We do not have any affiliate partnerships with the brands or companies featured, and we do not earn any commission or compensation from including them on our site. Our goal is to provide unbiased recommendations to help readers make informed decisions.
