Business Credit Cards

The Top Low-Interest Business Credit Cards with Rewards Programs

Running a business is not an easy task, especially when it comes to managing finances. Having a credit card that comes with a low-interest rate and rewards program can be a game-changer for small business owners. In this article, we will discuss the top low-interest business credit cards with rewards programs.

1. Chase Ink Business Cash Credit Card:

The Chase Ink Business Cash Credit Card is a great option for small business owners who want to earn rewards while keeping their interest rate low. This credit card offers 0% APR for the first 12 months and a variable APR of 13.24%-19.24% after that. The card offers 5% cashback on office supplies, internet, cable, and phone services, and 2% cashback at gas stations and restaurants. Additionally, you can earn $750 bonus cashback if you spend $7,500 in the first three months of opening the account.

2. Capital One Spark Cash Select for Business:

The Capital One Spark Cash Select for Business is another great option for small business owners. This credit card offers 0% APR for the first nine months and a variable APR of 13.99%-23.99% after that. The card offers 1.5% cashback on all purchases, and you can earn a $200 cash bonus if you spend $3,000 in the first three months of opening the account.

3. American Express Blue Business Cash Card:

The American Express Blue Business Cash Card is a perfect credit card for small business owners who want to earn cashback rewards while keeping their interest rate low. This credit card offers 0% APR for the first 12 months and a variable APR of 13.24%-19.24% after that. The card offers 2% cashback on all purchases, up to $50,000 per year. Additionally, you can earn up to $300 cashback if you spend $3,000 in the first three months of opening the account.

4. Bank of America Business Advantage Cash Rewards Mastercard:

The Bank of America Business Advantage Cash Rewards Mastercard is a great option for small business owners who want to earn cashback rewards while keeping their interest rate low. This credit card offers 0% APR for the first nine billing cycles and a variable APR of 13.74%-23.74% after that. The card offers 3% cashback on purchases at gas stations and office supply stores, 2% cashback at restaurants, and 1% cashback on all other purchases. Additionally, you can earn a $300 statement credit if you spend $3,000 in the first 90 days of opening the account.

5. U.S. Bank Business Platinum Card:

The U.S. Bank Business Platinum Card is a great option for small business owners who want to keep their interest rate low and don't need cashback rewards. This credit card offers 0% APR for the first 20 billing cycles and a variable APR of 9.99%-17.99% after that. The card offers no rewards program, but it comes with free employee cards, expense management tools, and fraud protection.

Conclusion:

Choosing the right credit card for your small business can be a daunting task. However, with the options listed above, you can find a credit card that offers a low-interest rate and rewards program that suits your business needs. Remember to always read the terms and conditions before applying for a credit card and use it responsibly to avoid accumulating debt.