The Best Low-Interest Business Credit Cards of 2021

Low-interest business credit cards offer flexible financing and 0% intro APR periods—making them a lifeline for many business owners.

Updated on November 12, 2020

Whether you think you’ll carry a balance on your card or you just want peace of mind—you might start your search, first and foremost, with low-interest business credit cards. Although the APR on your business credit card will ultimately depend on the market Prime Rate and your creditworthiness, there are certain low-interest business credit card offers that will be worth considering before you explore any alternative options.

In this guide, therefore, we’ll break down the best low-interest business credit cards—explaining how they work and what they can offer—so that you’ll have all the information you need to decide which card is right for you.

Summary of the Best Low Interest Business Credit Cards

Credit Card

Welcome Offer

Rewards rate

Annual Fee

Minimum credit

More Info

Ink Business Unlimited® Credit Card logo

Ink Business Unlimited® Credit Card

$750 cash back
1.5% cash back
$0
660
Apply Now
on Chase's secure website
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Ink Business Cash® Credit Card logo

Ink Business Cash® Credit Card

$750 cash back
5%, 2% or 1% cash back on purchases
$0
660
Apply Now
on Chase's secure website
Read Full Review
The Blue Business® Plus Credit Card from American Express logo

The Blue Business® Plus Credit Card from American Express

15,000 points
2 points
$0
700
Apply Now
on American Express's secure website
Read Full Review
American Express Blue Business Cash™ Card logo

American Express Blue Business Cash™ Card

$250
2% or 1% cash back
$0
660
Apply Now
on American Express's secure website
Read Full Review
Bank of America® Business Advantage Travel Rewards World Mastercard® logo

Bank of America® Business Advantage Travel Rewards World Mastercard®

30,000 bonus points
1.5 or 3 points
$0
700
Read Full Review
Capital One® Spark® Miles Select for Business logo

Capital One® Spark® Miles Select for Business

20,000 miles
1.5 points
$0
700
Read Full Review
Capital One® Spark® Cash Select for Business logo

Capital One® Spark® Cash Select for Business

$200 cash back
1.5% cash back
$0
700
Read Full Review
Bank of America® Business Advantage Customized Cash Rewards Mastercard® logo

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

$300 statement credit
3% cash back
$0.00
700
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Discover it® Business Card logo

Discover it® Business Card

None
Unlimited 1.5% cash back
$0
700
Read Full Review
Credit Card

Credit Card

Ink Business Unlimited® Credit Card
4.6Fundera Score

Great For: Unlimited cash back and welcome bonus

Read Full Review
Apply Now
on Chase's secure website
  • $750 welcome bonus if you spend $7,500 in first 3 months
  • 0% intro APR on purchases for first 12 months
  • Unlimited 1.5% cash back on every purchase
Credit Card
Apply Now
on Chase's secure website
Intro aprRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%0660
Credit Card

Credit Card

Ink Business Cash® Credit Card
4.4Fundera Score

Great For: Typical business expenses

Read Full Review
Apply Now
on Chase's secure website
  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
Credit Card
Apply Now
on Chase's secure website
Intro apron purchases for 12 monthsRegular apr(Variable)Annual feeMinimum credit
0%13.24% – 19.24%0660
Credit Card

Credit Card

The Blue Business® Plus Credit Card from American Express
4.8Fundera Score

Great For: Making purchases with a 0% intro APR period

Read Full Review
Apply Now
on American Express's secure website
  • 12 month 0% intro APR period on purchases from the date of account opening
  • 2X points for the first $50K spent
  • No annual fee
Credit Card
Apply Now
on American Express's secure website
Intro apron purchases for 12 months from the date of account openingRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%0700
Credit Card

Credit Card

American Express Blue Business Cash™ Card
4.7Fundera Score

Great For: Earning cash back and a long 0% intro APR period

Read Full Review
Apply Now
on American Express's secure website
  • 0% intro APR on purchases for 12 months from date of account opening
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
  • No annual fee
Credit Card
Apply Now
on American Express's secure website
Intro apron purchases for 12 months from date of account openingRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%0660
Credit Card

Credit Card

Bank of America® Business Advantage Travel Rewards World Mastercard®
4.6Fundera Score

Great For: Travel rewards on unlimited spending

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  • 3 points per every dollar on travel booked through Bank of America portal
  • 1.5 points unlimited for every $1 spent on all other purchases
  • 0% intro APR on purchases for first 9 billing cycles
  • Earn 30,000 bonus points if you spend $3,000 in first 90 days
Credit Card
Welcome offerafter spending $3K in first 90 days of account openingRewards ratedepending on where you spendAnnual feeMinimum credit
30,000 bonus points1.5 or 3 points0700
Credit Card

Credit Card

Capital One® Spark® Miles Select for Business

Great For: Unlimited travel rewards and no annual fee

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  • Unlimited 1.5 miles on every dollar you spend
  • 20,000-mile welcome offer
  • 9-month 0% intro APR period
Credit Card
Welcome offerwhen you spend $3,000 within first 3 monthsRewards rateon every purchase with no capsAnnual feeMinimum credit
20,000 miles1.5 points0700
Credit Card

Credit Card

Capital One® Spark® Cash Select for Business

Great For: Unlimited cash back

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  • Unlimited 1.5% cash back on every purchase with no cap
  • 0% intro APR on purchases for 9 months
  • No annual fee
Credit Card
Welcome offerif you spend $3k in first 3 monthsRewards ratebased on where you spend moneyAnnual feeMinimum credit
$200 cash back1.5% cash back0700
Credit Card

Credit Card

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Great For: Flexible cash back earning

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  • 0% intro APR on purchases for your first 9 billing cycles
  • 3%, 2% or 1% cash back depending on where you spend
  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Credit Card
Welcome offer after you make at least $3,000 in net purchases in the first 90 days of your account openingRewards rate3%, 2% or 1% cash back depending on where you spendAnnual feeMinimum credit
$300 statement credit3% cash back0.00700
Credit Card

Credit Card

Discover it® Business Card

Great For: Earning cash back with a dollar-for-dollar Cashback Match

Read Full Review
Credit Card
Welcome offerRewards rateAnnual feeMinimum credit
NoneUnlimited 1.5% cash back0700

Low-Interest Business Credit Cards: What You Need to Know

There are a number of reasons why you’d want to get a credit card for your business—perhaps you’re looking to separate your personal and business finances, build business credit, or you simply want access to a line of credit to pay for business expenses. Whatever the reason, it’s important to explore a variety of different business credit cards in order to decide which specific card is right for you.

The Best Low-Interest Business Credit Cards

  • Ink Business Unlimited® Credit Card
  • Ink Business Cash® Credit Card
  • The Blue Business® Plus Credit Card from American Express
  • American Express® Blue Business Cash Card
  • Bank of America® Business Advantage Travel Rewards World Mastercard®
  • Capital One® Spark® Cash Select for Business
  • Capital One® Spark® Miles Select for Business
  • Bank of America® Business Advantage Cash Rewards Mastercard®
  • Discover it® Business Card

Ink Business Unlimited® Credit Card From Chase

If you’re looking for a low-interest business credit card with a straightforward, flat-rate cash back rewards program, you might look into the Chase Ink Business Unlimited card.

The Ink Unlimited offers a 12-month 0% intro APR on purchases, allowing you to carry a balance interest-free during that time. After the intro period ends, you’ll receive a variable APR based on the market and your creditworthiness.

This being said, this low-interest business credit card offers one of the easiest ways to earn cash back, with a simple 1.5% cash back rate on all spending with no limits. Moreover, the Chase Ink Unlimited has no annual fee, gives you access to employee cards at no additional cost, and pays out a $750 welcome bonus if you spend $7,500 within the first three months of opening your account.

All in all, this is one of the best low-interest business credit cards you’re going to find with a lengthy 0% intro APR, flat-rate cash back program, and a sizable welcome bonus.

Ink Business Cash® Credit Card From Chase

The Chase Ink Business Cash is one of the best low-interest business credit cards because it has a long-term rewards program, a 12-month 0% intro APR period, and an impressive welcome offer.

To begin, the Chase Ink Business Cash offers 0% intro APR on purchases for the first 12 months with your card—this deal, however, does not apply to balance transfers. After these 12 months, your APR will set in at a rate that will vary with the market Prime Rate, so you’ll want to be sure to see the issuer’s terms and conditions for the latest APR information.

Additionally, if you spend $7,500 in the first three months with this Chase business credit card, you’ll earn a $750 cash back welcome bonus.

Moreover, you’ll receive the following ongoing rewards (paid out on your account anniversary):

  • 5% cash back on office supplies and landline, cell phone, internet, and cable TV services (up to $25,000 spent combined annually)
  • 2% cash back on gas and restaurants (up to $25,000 spent combined annually)
  • An unlimited 1% cash back elsewhere

Plus, this low-interest small business credit card has no annual fee and offers employee cards at no additional cost.

Therefore, if you’re looking for the best low-interest business credit card offers that maximize an introductory APR period and cash back rewards, you’re unlikely to find a better option than the Ink Business Cash—especially if you’re planning on making big purchases in typical office categories.

The Blue Business® Plus Credit Card from American Express

A 0% intro APR period is one of the best low-interest business credit card offers you’ll be able to find—which is why the American Express Blue Business Plus card is next up on our list.

With this American Express business credit card, you’ll not only have a 0% intro APR period, but also one of the longest periods on the market—12-months—that applies to both purchases and balance transfers. This means if you carry a balance or transfer previous credit card debt onto your Blue Business Plus, you won’t have to pay interest on those amounts until the intro period expires.

When the intro period does expire, however, you’ll receive a variable APR based on the prime Market Rate and your creditworthiness.

This being said, on top of this impressive intro APR period, the Blue Business Plus also offers a competitive points-based rewards program. For every dollar you spend on business purchases, you’ll earn 2x rewards points, up to the first $50,000 in purchases annually. After you’ve met this threshold, you’ll earn 1x points per dollar you spend. Moreover, the Blue Business Plus card has no annual fee, so you can redeem all the rewards you earn at no additional cost.

Therefore, if you’re looking for a lengthy 0% intro APR period for balance transfers and purchases along with solid, flat-rate rewards points, then the Blue Business Plus is going to be one of the best low-interest business credit cards out there for you.

American Express® Blue Business Cash Card

The next option on our list of the best low-interest business credit cards, the American Express Blue Business Cash card, is actually very similar to the Blue Business Plus. The major difference, as per the name of each card, is that the Blue Business Cash earns straight cash back, whereas the Blue Business Plus earns rewards points.

With this distinction in mind, the Blue Business Cash is also a great business credit card with low interest because of its 12-month 0% intro APR period. Like the Blue Business Plus, this period applies to both purchases and balance transfers—allowing you to carry a credit card balance (or transfer an existing one) interest-free during that time. After the intro period is up, though, you’ll receive a variable APR based on the Market Rate and your creditworthiness.

In addition to this intro APR period, the Blue Business Cash card earns 2% cash back on all eligible purchases on up to $50,000 per calendar year, and then 1% cash back on all other purchases. The cash back you earn is automatically credited to your statement—meaning you’re essentially paying back your bill as you spend. Plus, there is no annual fee or additional card fee.

All in all then, of all of the best low-interest business credit cards to choose from, the Blue Business Cash is one of the best if you want sustained cash back rewards and need a low-interest offer on purchases and balance transfers.

Bank of America® Business Advantage Travel Rewards World Mastercard®

If you’re looking for a low-interest business credit card with great travel rewards, than the Bank of America Business Advantage Travel Rewards card might be the right option for you.

First off, this card has a nine-month 0% introductory APR period, making it a great low-interest business credit card—especially if you think you’ll be carrying a balance on purchases during that time. Once again, however, this Bank of America offer does not apply to balance transfers and after the intro period expires, you’ll be subject to a variable APR based on the market Prime Rate and your creditworthiness.

This being said, however, on top of the intro APR period, this Bank of America card offers ongoing travel rewards:

  • 3 points on travel (hotel, car, airline) booked through Bank of America
  • 1.5 points for every $1 spent on all other purchases, with no limit on the rewards you can earn

You’ll be able to redeem the points you earn for travel with no blackout dates, as well as for cash back and gift cards. Plus, if you qualify for the Bank of America Preferred Rewards program, you’ll earn 75% more points for every dollar you spend.

Moreover, if you spend just $3,000 in the first 90 days after opening your account, you’ll earn 30,000 bonus points—making this one of the easiest business credit card signup bonuses to earn.

On top of all of these perks, this low-interest business credit card has no annual fee and no foreign transaction fees, meaning wherever you’re spending, you’ll be earning travel rewards without incurring additional fees.

Capital One® Spark® Miles Select for Business

For a similar option to the Chase Ink Unlimited, but that earns travel-specific rewards and offers a slightly shorter intro APR period, you might consider the Capital One Spark Miles Select card.

This low-interest business credit card allows you to save on interest by offering a 0% intro APR on purchases for nine months. After this intro period, your APR will set in at a rate that will depend on the market and your creditworthiness.

On top of this low-interest offer, however, the Miles Select card earns 1.5 miles on every dollar you spend, with no limit on the miles you can earn. Additionally, your miles won’t expire for the life of your account and you’ll be able to use them to fly any airline, anytime, with no blackout dates or seat restrictions.

Moreover, this Capital One Spark Business card has no annual fee, no foreign transaction fees, no balance transfer fees, and includes a 20,000-mile welcome bonus if you spend $3,000 within the first three months after opening your account.

Therefore, if you’re looking for the best low-interest business credit card with flat-rate travel rewards, plus a 0% intro APR offer, the Miles Select card is going to be one of your top options.

Capital One® Spark® Cash Select for Business

The next option on our list of the best low-interest business credit cards, the Capital One Spark Cash Select card, is almost equivalent to the Miles Select—except the Cash Select offers cash back instead of travel rewards.

Therefore, with this card, you’ll earn a flat 1.5% cash back on all of your spending with no limits and no category restrictions. Plus, you can redeem your cash back in any amount and even get employee cards (at no additional cost) and earn rewards from their spending as well.

Additionally, this low-interest business credit card has no annual fee, no foreign transaction fees, no balance transfer fees, and gives you the opportunity to save interest on purchases with a nine-month 0% intro APR period. Once again, at the conclusion of this period, you’ll receive a variable APR based on the market Prime Rate and your creditworthiness.

Moreover, if you spend $3,000 within your first three months with the Spark Cash Select card, you’ll receive a $200 cash back welcome bonus.

Overall, the Spark Cash Select not only allows you to save on interest, but also offers competitive short-term and long-term rewards (and very few fees) so that you can make the most out of using a credit card for your business expenses.

Bank of America® Business Advantage Cash Rewards Mastercard®

Alternatively, if you want to choose where you earn the most cash back, the Bank of America Business Advantage Cash Rewards card might be the best low-interest small business credit card for you.

With this Bank of America card, you’ll earn:

  • 3% cash back in the category of your choice
  • 2% cash back on dining
  • 1% cash back on all other purchases

You’ll only earn 3% and 2% cash back on the first $50,000 combined between your choice category and dining expenses; however, you’ll earn an unlimited 1% on all of your other credit card spending. Additionally, you’ll be able to redeem your cash back as a statement credit, check, or have cash deposited directly into a Bank of America checking or savings account. Moreover, just like with the Bank of America travel rewards card, if you qualify for the Preferred Rewards program you’ll earn 75% more cash back on every purchase.

Plus, you’ll have access to an interest-saving 0% intro APR period on purchases for your first nine months with this card, after which time you’ll receive a variable APR based on the market Prime Rate and your creditworthiness.

And if these benefits weren’t impressive enough, this low-interest business credit card has no annual fee and offers a welcome bonus of $300 cash back after you spend $3,000 within the first 90 days after opening your account.

All in all, if you’re looking for a low-interest business credit card with flexible financing and top perks, the Bank of America Cash Rewards card is a great option.

Discover it® Business Card

Finally, the last card on our list of the best low-interest business credit cards is the Discover it Business Card—the only business card, in fact, available from Discover.

Like many of the other options we’ve discussed, the Discover it card offers a 12-month 0% intro APR period, allowing you to carry a balance on purchases interest-free during that time. Of course, after these 12 months, a variable APR will set in at a rate depending on your creditworthiness and the market.

In addition to this lengthy intro APR period, this Discover low-interest business credit card also offers 1.5% cash back on every dollar you spend. You can also add employee cards with designated spending limits and earn rewards for all their purchases as well.

These rewards never expire and they’re automatically added to your Cashback Bonus account at the end of each billing period. Plus, on top of redeeming your rewards for cash, you can also redeem for gift cards, charitable donations, account credit, and electronic deposits.

Moreover, the Discover it Business Card has no annual fee, no foreign transaction fees, no over-limit fee, no penalty APR, and no late fee on your first late payment. On top of these business credit card perks, this Discover card also offers a different type of welcome bonus—Discover will automatically match all of the cash back you earn at the end of your first year with the card.

Although this isn’t an immediate welcome bonus, it gives you a great and simple opportunity to earn additional cash back, especially if you’re going to make big or frequent purchases within your first year with the card.

Therefore, if you’re looking for a low-interest business credit card with extremely limited fees and unique reward opportunities, the Discover it card may be the right choice for you.

Is a Low-Interest Business Credit Card Right for You?

Get a Low-Interest Business Credit Card If:

At the end of the day, there are various reasons why you might choose to apply for one of the card options on this list. However, if you’re looking specifically in terms of low-interest business credit card offers, you’d want to choose one of these cards, first and foremost, because:

  • You plan on carrying a balance on your business credit card.

With any of these cards, you’ll be able to take advantage of an offer where you can carry a balance interest-free for a series of months, making these great choices for paying off large purchases over a longer period of time. This being said, however, after the intro period expires, you will incur interest on your remaining balance, so you’ll want to be sure you can pay off your balance before this point.

Skip These Low-Interest Business Credit Cards If:

On the other hand, you may consider options other than business credit cards with low interest rates if:

  • You’re more focused on earning rewards.

If you don’t think you’ll carry a balance and would prefer a higher-earning rewards card, you might continue to explore alternatives, like the American Express Business Gold card, for example. It’s worth noting, however, that in addition to lacking low-interest offers, these cards will often also require an annual fee.

Choosing the Right Low-Interest Business Credit Card for You

At the end of the day, it’s up to you to take a look at all of your options; compare offers, features, qualifications; and decide which business credit card is right for you. This being said, however, if you’re looking for the best low-interest business credit card offers, there’s no doubt any of the cards on this list will serve you well—plus, provide competitive rewards in the long-term.

Ultimately then, the right business credit card for you will not only be the one with a compelling low-interest offer, but will also meet your needs in terms of annual fee, foreign transaction fees, rewards structure, welcome bonus, and any other factor that matters to your business.

Moreover, regardless of the card that you choose, it’s important to remember that at some point, you will be subject to interest on any balance you carry from month to month. As we’ve explained, this interest rate, or APR, will depend not only on the market Prime Rate, but also on your creditworthiness, making it all the more necessary for you to manage your spending and payments wisely to build your credit history—so you can receive the lowest interest rate possible.

Frequently Asked Questions

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