Business Credit Card for Bad Credit


The PEX Visa® Prepaid Business Card

Start-ups and small business owners that have not established credit may have a difficult time finding a business credit card. The PEX Visa® Prepaid Business Card is not a credit card but it is a prepaid card designed for small to mid-sized businesses to control day-to-day employee spending.


Branding is Everything

Just by having your name on the prepaid card, you get free advertising and help to brand your business. Plus you can easily keep track of business expenses; and more importantly, keep your business and personal expenses separate by using the PEX Visa® Prepaid Business Card. Increase business performance by enabling employee spending when needed. Manage every aspect of spending from anywhere with no personal liability and no uncertainties.


Who Can Get Approved

Startup businesses, e-businesses, midsize to large businesses will find this card to be a good option for keeping track of employee and daily spending. You can even sync PEX to your favorite accounting and expense management services for seamless data entry


Terms & Conditions

Let’s be clear, this prepaid card comes with fees. But the PEX Visa ® Prepaid Business Card offers a better way for employees to make company purchases — while employers stay in control of employee spending. Enforce expense policies by limiting where and how much your employees can spend. Change their limits as necessary with Pex’s mobile app. Here is a quick summary and look at the fees associated with the card:

  • Activation Fee $49.95 (assessed after your two month free trial)
  • Monthly Fee $7.50 / card – 1st 2 months free
  • No fee for Direct Deposit
  • Instantly fund employee purchases with your business prepaid card
  • Gain 24/7 control over where and how much employees spend
  • Save money – no surprise interest charges or overdraft fees
  • Use everywhere Visa® debit cards are accepted


Credit Bureau Reporting

Does PEX report to or contact commercial or consumer credit bureaus about me or my business? No. This is not an application for credit and PEX is not a credit card company. Your company’s activity is not reported to the credit bureaus. But this is good news for business owners with bad credit because no credit checks are performed. It can be easier to qualify for the PEX Visa ® Prepaid Business Card.