Low Interest Business Credit Cards
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Low interest business credit cards are intended for small business owners who need to use their credit cards for financing purposes and are therefore unable to pay their balances in full every month. The cards listed below all have a low regular APR for purchases and/or balance transfers. Revolving a balance on a business credit card, even a low-interest business credit card, may not be in your best interest, however. Business credit cards do not enjoy the same protections as general-consumer credit cards, which means issuers can increase the interest rate of an existing balance at any point in time. Given the importance of debt stability to small business success, you might want to also check out general-consumer low interest credit cards. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
Showing 1 – 10 of 10
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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13.49% - 21.49% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, 13.49%, 17.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months
Regular APR
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15.49% - 21.49% (V)
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Additional Info
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash℠ Credit Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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Not Offered
Regular APR
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14.49% - 21.49% (V)
Rewards Details
- Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
- Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
- With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
- Terms apply
Additional Info
- Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
- No annual fee
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
- See More Details & Reviews About TheSimplyCash® Plus Business Credit Card from American Express
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months
Regular APR
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15.49% - 21.49% (V)
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
Additional Info
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Unlimited℠ Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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15.24% - 23.24% (V)
Rewards Details
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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15.24% - 23.24% (V)
Rewards Details
- Earn 1.5 miles per $1 on every purchase
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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16.49% - 24.49% (V)
Rewards Details
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
- †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
- *Terms Apply
Additional Info
- PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
- EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
- Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
- See More Details & Reviews About TheAmerican Express® Business Gold Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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10.74% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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14.74% (V)
Additional Info
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application
- Full-Feature Platinum Mastercard® Secured Credit Card
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI
- *See Card Terms.
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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Not Offered
Regular APR
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13.24% - 23.24% (V)
Annual Fee
None
Rewards Rate
2 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 25,000 bonus points when you spend $5,000 on purchases within the first 90 days.
- Earn 2 points for every $1 you spend.
- Redeem points for valuable rewards like cash back, travel, merchandise, gift cards and much more.
Additional Info
- Convenient tools, such as online account management and consolidated statements to help you control expenses
- Benefits like accessCard Command®, Mastercard Easy Savings Program, Travel Assistance and MasterRental® Insurance
- Free employee cards
- See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®
NO FOREIGN FEE
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Community Discussion
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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