Best Business Credit Cards with Low APR USA 2025
Choosing the right business credit card with a **low APR (Annual Percentage Rate)** can save your company money on interest charges while offering excellent rewards and perks. Whether you are a small business owner, freelancer, or entrepreneur, finding the best **low-interest business credit card** can improve your financial management.
Why Choose a Low APR Business Credit Card?
- Reduces interest costs on carried balances
- Improves cash flow management
- Helps finance business expenses affordably
- Offers competitive rewards and perks
Top 5 Business Credit Cards with Low APR in 2025
1. Chase Ink Business Cash® Credit Card
- Intro APR: 0% for 12 months
- Regular APR: 13.99% – 19.99% Variable
- Rewards: 5% cashback on office supplies & internet services
- Annual Fee: $0
2. American Express Blue Business® Plus
- Intro APR: 0% for 12 months
- Regular APR: 14.74% – 22.74% Variable
- Rewards: 2X points on business purchases
- Annual Fee: $0
3. Bank of America® Business Advantage Unlimited Cash Rewards
- Intro APR: 0% for 9 months
- Regular APR: 13.49% – 23.49% Variable
- Rewards: 1.5% unlimited cashback
- Annual Fee: $0
4. Capital One® Spark Cash Select
- Intro APR: 0% for 12 months
- Regular APR: 15.99% – 23.99% Variable
- Rewards: 1.5% cashback on every purchase
- Annual Fee: $0
5. Wells Fargo Business Platinum Credit Card
- Intro APR: 0% for 12 months
- Regular APR: 13.24% – 19.24% Variable
- Rewards: Choice of 1.5% cashback or points-based rewards
- Annual Fee: $0
How to Choose the Best Business Credit Card?
- Compare **APR rates** and introductory offers
- Check **cashback and rewards programs**
- Review **annual fees and additional perks**
- Ensure the card fits your **business spending habits**
Conclusion
Finding the right business credit card with **low APR** can help **reduce financial stress, improve cash flow, and earn valuable rewards**. The **top 5 business credit cards** listed above offer **low-interest rates, cashback rewards, and flexible financing options**. Choose the one that best fits your business needs in **2025**.
