It is general knowledge that secured credit cards are the popular option for building credit or repairing damaged credit; however, they aren't necessarily better than unsecured cards when it comes to building your credit. Generally speaking, the impact a business credit card has on your credit score depends on how responsible you are with the card and your overall credit profile.  An advantage of secured cards is the fact that they offer cashback rewards and don't charge an annual fee. You initially have to make a refundable security deposit, but it’s better than paying a non-refundable annual fee for an unsecured card.