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.
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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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12.74% - 20.74% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X 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*.
- More buying power for your business* means more opportunities to earn points. That’s everyday business with the new 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, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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9.99%
Additional Info
- Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
- No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
- Helps strengthen your credit with responsible card use. Reports to three national bureaus
- Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
- See additional primor® Secured Visa® Gold Card details
- See More Details & Reviews About Theprimor® Secured Visa® 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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9.99% (V)
Additional Info
- No credit history or minimum credit score required for approval.
- Monthly reporting to all 3 major credit bureaus to help build credit.
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- 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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9.99%
Additional Info
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- See More Details & Reviews About TheApplied Bank® Secured Visa® Gold Preferred® 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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12.49% - 22.49% (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®
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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9.49% - 20.49% (V)
Annual Fee
None
Rewards Rate
None
Minimum Credit
Excellent
Additional Info
- Convenient tools, such as online account management and consolidated statements to help you control expenses.
- Benefits like accessCard Command, MasterRental® Insurance, Travel Assistant Services, Purchase Assurance and Extended Warranty, and Mastercard Easy Savings® Program
- Free cards for employees.
- See More Details & Reviews About TheCitizens Bank Business Platinum Mastercard® Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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0% - 3.99% for 12 monthsTransfer Fee: 4% (min $10)
Regular APR
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10.74% - 24.74% (V)
Annual Fee
None
Rewards Rate
1 - 3 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 20,000 CompassPoints when you make $3,000 in Qualifying Purchases in the first 90 days.
- Earn 1 point for every $1 in Qualifying Purchases, plus get 2X or 3X the CompassPoints® when you make purchases in categories you select with Build Your Own Rewards.
- Choose from categories including office supplies, utilities, groceries, gas, travel, and healthcare.
- Redemption options – Redeem for cash back, account credits, gift cards and travel options.
- When you have multiple BBVA Compass cards, you can combine points and reach the rewards you want faster.
Additional Info
- 0% Intro APR only for balance transfers submitted within 90 days of account open date.
- Shop with your enrolled Visa® Business credit card at participating merchants and save up to 15%.
- Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
- Keep your business expenses separate from personal expenses to make it easier to track spending and prepare your taxes.
- See More Details & Reviews About TheBBVA Compass Business Rewards Credit Card
Community Discussion
Comparing Low Interest Business Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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. 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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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