So you've finally decided to take the plunge and open your own business. You can be sure that making your own business succeed will take a lot of drive and courage. The truth is, you could hardly have chosen a better time to live your dream.

Real disposable personal income (a.k.a. cash to blow) rose steadily in 2015 (see BEA report), which is good news if you are opening a retail-based business. If you plan to bring a new product to the market, more disposable cash means a more receptive market.

A recent survey by CareerBuilder shows that 36% of business owners expect to take on additional employees in 2016.

But favorable market conditions are just one piece of the success formula. Unless you have saved up enough cash to bootstrap your business, you will need to find a solution to cash flow challenges. These days you can take your pick from a long list of cash flow solutions including crowdfunding, venture capital funds, credit cards, business loans and peer-to-peer loans.

While I highly recommend looking into crowdfunding and venture capital, it will probably be difficult to secure those types of funding right from the start. A small business credit card can provide you with an immediate cash flow solution, and can give your business the financial boost it needs to get off the ground.

GET.com's Best Low Interest Credit Cards

Best ForCredit Card
Cash BackAmerican Express® Blue Business Cash Card
RewardsThe Blue Business® Plus Credit Card from American Express
BonusBank of America® Platinum Plus® Mastercard® Business card

A business credit card that gives you a long 0% introductory APR period for purchases is a smart choice. You can take advantage of the low intro APR period to fund your business through interest-free loans. If you use the card right, and make sure to pay off your balance in full before the intro APR period ends, this can be one of the easiest ways to finance your business plans.

Small business credit cards can also help you save by letting you earn rewards or enjoy discounts, and often come loaded with tools to simplify your accounting process, control employee business spending and even run your business on the go.

Here is our pick of small business credit cards that give you low purchase APR intro periods and useful perks:


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
American Express<sup>®</sup> Blue Business Cash Card

American Express® Blue Business Cash Card

APPLY NOWAt American Express' secure website
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, 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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.74% - 20.74% Variable

$0

Excellent/Good

American Express® Blue Business Cash Card, a GET.com advertiser, is one of my favorite small business credit cards from Amex. This card gives you 0% intro APR on purchases and balance transfers for 12 months ( See Rates & Fees) followed by 14.74% - 20.74% variable APR ( See Rates & Fees). This card lets you earn 2% cash back on up to $50,000 spent on eligible purchases per calendar year, after that you'll earn 1% cash back. The cash back you earn is automatically credited to your statement.

Perks include purchase protection, extended warranty, travel accident insurance and car rental loss and damage Insurance. No annual fee ( See Rates & Fees). Terms & limitations apply.

For rates and fees of the American Express® Blue Business Cash Card, please click here.


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Blue Business<sup>®</sup> Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

APPLY NOWAt American Express' secure website
  • 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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

0% on Purchases and Balance Transfers for 12 months

14.74% - 20.74% Variable

No annual fee

Excellent, Good

The Blue Business® Plus Credit Card from American Express has a 0% intro APR on purchases and balance transfers for 12 months (See Rates & Fees), with 14.74% - 20.74% variable APR (See Rates & Fees) after that. Earn 2X points on everyday business purchases, 2X points apply to the first $50,000 in purchases per year, earn 1 point per dollar after that.

Benefits like dispute resolution, purchase protection (covers purchases in case of accidental damage or theft) and extended warranty can also help you as a small business owner.

If you expect to travel for business, the travel accident insurance and the car rental loss and damage insurance can help you save money on insurance. $0 annual fee (See Rates & Fees). Terms apply.

For rates and fees of the The Blue Business® Plus Credit Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Platinum Plus<sup>®</sup> Mastercard<sup>®</sup> Business card

Bank of America® Platinum Plus® Mastercard® Business card

APPLY NOWAt Bank of America's secure website
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
APPLY NOWAt Bank of America's secure website

0% Introductory APR on purchases for the first 7 billing cycles

11.74% - 22.74% Variable APR

No annual fee

Excellent

Bank of America® Platinum Plus® Mastercard® Business card lets you enjoy a welcome offer of a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Employee cards come at no additional cost and you can set their credit limits. This business card has an array of management tools made to adapt to your business needs. This card has no annual fee.