Top 5 Small Business Credit Cards with Low Interest Rates

Top 5 Small Business Credit Cards with Low Interest Rates

Looking for the best small business credit cards that offer lower interest rates? Check out our top 5 picks and start saving money today!

20/05/2023
Rachel Nguyen
Rachel Nguyen
Web Developer and Technology Writer
Rachel is a software engineer who focuses on web development. She has experience building custom web applications for businesses of all sizes. Sarah is also a skilled writer and enjoys sharing her knowledge of web development with others.

Small businesses often require financing to expand their operations, pay for inventory, or even cover payroll expenses. One of the easiest ways to access credit is through small business credit cards. Not only do they offer a convenient way to pay for expenses, but they also come with a range of rewards and benefits. However, with so many options available, it can be challenging to choose the right card. In this article, we'll take a look at the top 5 small business credit cards with low-interest rates.

1. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card is an excellent choice for small business owners who want to earn rewards while keeping their interest rates low. It offers a 0% introductory APR for the first 12 months on purchases and balance transfers. After that, the variable APR is 13.24% - 19.24%. Additionally, you can earn 5% cashback on the first $25,000 spent on office supplies, internet, cable, and phone services each year. You'll also earn 2% cashback on the first $25,000 spent at gas stations and restaurants each year.

2. Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business comes with a 0% introductory APR for the first nine months on purchases. After that, the variable APR is 14.49% - 22.49%. This card offers unlimited 1.5% cashback on all purchases, making it an excellent choice for businesses that spend a lot on various expenses. Additionally, there are no annual fees, foreign transaction fees, or balance transfer fees.

3. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is an excellent option for businesses that want to keep their interest rates low while earning cashback rewards. It offers a 0% introductory APR for the first 12 months on purchases. After that, the variable APR is 13.24% - 19.24%. This card offers 2% cashback on all purchases up to $50,000 per year, and 1% cashback on all purchases after that. There are no annual fees, and you can add employee cards for free.

4. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard offers a 0% introductory APR for the first nine billing cycles on purchases. After that, the variable APR is 13.49% - 23.49%. This card offers 3% cashback on purchases made at gas stations and office supply stores, and 2% cashback on purchases made at restaurants. You'll also earn 1% cashback on all other purchases. There are no annual fees, and you can add employee cards for free.

5. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card offers a 0% introductory APR for the first nine months on purchases and balance transfers. After that, the variable APR is 11.49% - 21.49%. This card has no rewards program, but it offers a low-interest rate and a range of benefits, including free employee cards, overdraft protection, and fraud monitoring.

Conclusion

Choosing the right small business credit card with low-interest rates can help you save money while earning rewards. When selecting a card, be sure to consider your business's spending habits and needs. The above-listed cards are some of the best options available for small businesses, but there are many other choices to consider. Be sure to read the terms and conditions carefully before applying for a card to ensure that it's the right fit for your business.

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