Business Credit Cards

The Top 3 Business Credit Cards for Startups with Low Interest Rates

Starting a business is no easy feat. It requires patience, dedication, and a lot of hard work. One of the things that can make or break a startup is finances. This is where business credit cards come in handy. They provide access to capital when you need it, and if used properly, can help build your business credit score. Here are the top 3 business credit cards for startups with low interest rates:

1. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card is a great option for startups that are looking for a low interest rate and cash back rewards. The card offers 0% APR for the first 12 months, and then a variable APR of 13.24% - 19.24%. In addition, you can earn up to 5% cash back on office supplies, internet, cable, and phone services. You also earn 2% cash back on gas and restaurants, and 1% cash back on all other purchases. This card has no annual fee, and you can get employee cards for free.

2. Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is another great option for startups. It offers a 0% introductory APR on purchases for the first 9 months, and then a variable APR of 14.24% - 22.24%. You can earn 1.5% cash back on all purchases, with no limit on how much you can earn. This card also has no annual fee, and you can get employee cards for free. One of the best features of this card is that it offers free fraud alerts and security alerts to help protect your business from fraud.

3. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is a good option for startups that are looking for a low interest rate and cash back rewards. The card offers 0% APR for the first 12 months, and then a variable APR of 13.24% - 19.24%. You can earn 2% cash back on all eligible purchases up to $50,000 per calendar year, and then 1% cash back after that. This card also has no annual fee, and you can get employee cards for free. Another great feature of this card is that it offers free employee spending limits, so you can control how much your employees spend.

Conclusion

There are many business credit cards available for startups, but these three are some of the best options with low interest rates and cash back rewards. When choosing a card, it is important to consider your business needs and spending habits. Pick a card that fits your business goals and budget, and make sure you use it responsibly to build your business credit score.