Secured business credit cards are a narrow category. Most major issuers don't offer one, and the cards that exist vary widely on deposit requirements, rewards, and how (or whether) they actually report to business credit bureaus.
In this guide, we compare the most-cited secured business credit cards on the deposit, fees, rewards, and credit-building terms reported on each issuer's website. We also include two alternatives: a personal secured card for sole proprietors and a no-fee charge card for businesses that can qualify.
At-a-glance comparison table
*Pricing, deposit terms, APRs, and features are based on publicly available information from each issuer's website as of May 2026 and may change. Always confirm details with each provider.
How we chose the best secured business credit cards†
For this list, we evaluated each card using publicly available information from the issuer's own website. We considered:
- Deposit and fee structure. Minimum deposit, credit line tied to deposit, whether the deposit earns interest, annual fee, and notable transaction fees.
- Rewards and credit-building features. Cash-back rates where offered, reporting to business or consumer credit bureaus, and any stated path to upgrade to an unsecured card.
- Application requirements and eligibility. Where the card can be applied for, who qualifies, and whether a personal guarantee is required.
- Spend management and reporting capabilities. Employee cards, virtual cards, real-time controls, and accounting software integrations.
We did not independently test any of the cards. Each claim is sourced to a specific issuer page in the References section.
Our top picks for 2026
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Key questions about secured business credit cards
What is a secured business credit card?
A secured business credit card is a business credit card backed by a refundable security deposit. The deposit is held as collateral against the credit line, which is typically equal to (or in some cases a percentage above) the amount deposited. Issuers use secured cards to extend credit to businesses with limited or impaired credit history, since the deposit reduces the lender's exposure to loss.
How does a secured business credit card work?
- Apply and fund the deposit. Submit a business application and provide the required minimum security deposit. Some issuers, such as Valley Bank, require the deposit to be 110% of the requested credit limit; others, such as Bank of America, set a flat minimum like $1,000. [1][4]
- Receive a credit line based on the deposit. The credit line is typically equal to the deposit amount and is reported to credit bureaus like a standard credit card.
- Use the card and pay on time. Most issuers report account activity to business credit bureaus, so consistent on-time payments may help establish or build business credit history.
- Earn the deposit back or upgrade. Some issuers, such as Bank of America, periodically review accounts and may transition the cardholder to an unsecured card based on credit history (not all customers qualify). [1] Capital One reports that responsible use may allow cardholders to earn the deposit back as a statement credit. [8]
How much do secured business credit cards cost?
Secured business card costs vary by issuer:
- Annual fees range from $0 (BILL Divvy, Bank of America, Valley Bank, Charity Charge, Capital One Quicksilver Secured) to $39 (FNBO Business Edition Secured). [1][4][5][6][8]
- Security deposits for secured business credit cards range from $200 (Capital One Quicksilver Secured) to a 110% deposit ratio that can reach $25,000 (Valley Bank). [3][8]
- APRs on the cards in this list range from 14.45% (Valley Bank's lowest tier after the introductory period) to 28.99% (Capital One Quicksilver Secured). [4][8]
- Other fees include foreign transaction fees (typically 2%–3% where charged), cash advance fees (4% of the amount on Valley), late payment fees, and balance transfer fees. [4]
Benefits of secured business credit cards
Secured business credit cards deliver value in a few specific situations:
Build or establish business credit history. Most secured business cards report account activity to business credit bureaus, which means consistent on-time payments may help a new business establish a credit file or help an impaired one rebuild over time. The BILL Divvy Card also reports to the Small Business Financial Exchange, so on-time payments can contribute to business credit history even when the card isn't a secured one.
Separate business and personal expenses. Putting business spending on a dedicated business card—rather than running it through a personal card or a debit card—keeps tax reconciliation cleaner and reduces the risk of co-mingling funds.
Lower approval barrier. Because the deposit reduces the issuer's risk, secured cards are designed to be available to businesses that wouldn't qualify for unsecured credit.
Possible path to unsecured credit. As your business credit improves over time—and your time in business lengthens as well—you may start to qualify for unsecured business cards and lines of credit.
How to choose the right secured business credit card for your business
Conclusion
Secured business credit cards solve a narrow problem: extending credit to businesses that can't yet qualify for unsecured products. Across the cards we reviewed, the best fit depends on the situation, but if a business can qualify for an unsecured product, the calculation changes.
The BILL Divvy Card is a charge card rather than a secured card, but its $0 annual fee, free employee cards, AI-powered expense management, customizable budgets, and integrations with five major accounting platforms address what many businesses are after when they search for a secured business card: a spending tool with strong controls and no per-employee cost.
For businesses ready to build credit while embracing spend management, it is the alternative most worth considering.
References
[1] Bank of America. Business Advantage Unlimited Cash Rewards Secured Business Credit Card.
[2] Bank of America. Secured Business Credit Cards to Build and Establish Credit.
[3] Valley Bank. Visa® Secured Business Credit Card.
[4] Valley Bank. Valley Visa Secured Business Credit Card Account Disclosures (Jan 2026).
[5] First National Bank of Omaha. Business Edition® Secured Mastercard® Credit Card.
[6] Charity Charge. The Nonprofit Business Card.
[7] Charity Charge. Frequently Asked Questions.
[8] Capital One. Build Credit with a Secured Credit Card — Quicksilver Secured.
[9] BILL. Fast & Flexible Business Credit | BILL Spend & Expense.
[10] BILL. Expense Management Software for Businesses | BILL Spend & Expense.
[11] BILL. BILL Rewards: Get cash back when you spend with BILL.
*The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners (bill.com/legal/bank-partners). The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.
†Important disclosures:
- This article is for informational purposes only and is based on our review of publicly available information from each card issuer's own website as of May 2026.
- We did not independently test or audit any of the cards described. Actual performance, eligibility, and suitability will vary by business.
- Inclusion in this list does not constitute an endorsement, recommendation, or guarantee of results. Evaluate each card against your own requirements and risk standards.
- BILL is our own product. We include it here using the same evaluation criteria as other providers and explicitly note that it is a business charge card rather than a secured credit card. This article is published by BILL.
