3 Low Interest Credit Cards For Small Businesses

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 For	Credit Card
Cash Back	SimplyCash® Plus Business Credit Card from American Express
Rewards	The Blue Business℠ Plus Credit Card from American Express
Bonus	Bank of America® Platinum Visa® Business credit 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 Card	Features	Intro APR	Regular APR	Annual Fee	Why we like it	We least like	Credit Required	Related links
SimplyCash® Plus Business Credit Card from American Express Our Rating: APPLY NOWAt American Express' secure website	Our Rating: 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 13.74% - 20.74% No annual fee 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 *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 See Rates & Fees See Rates & Fees Terms Apply See Rates & Fees Terms Apply APPLY NOWAt American Express' secure website	0% intro APR on purchases for 15 months	13.74% - 20.74% Variable	$0			Excellent Credit	Related Links Read our review of SimplyCash® Plus Business Credit Card from American Express or view more details of SimplyCash® Plus Business Credit Card from American Express. See more American Express credit cards. APPLY NOWAt American Express' secure website

SimplyCash^® Plus Business Credit Card from American Express, a GET.com advertiser, is one of my favorite small business credit cards from Amex. This card gives you 0% intro APR on purchases for 15 months followed by 13.74% - 20.74% variable APR. This card lets you earn 5% cash back on wireless telephone services purchased directly from U.S. service providers and at U.S. office supply stores. You also earn 3% cash back on the category of your choice from a list of 8 select categories like U.S. gas stations, U.S. purchases for advertising in select media, airfare purchased directly from airlines, hotel rooms purchased directly from hotels, car rentals purchased from select car rental companies, U.S. restaurants, U.S. purchases for shipping and U.S. computer hardware, software and cloud computing purchases made directly from select providers.

5% and 3% cash back apply to purchases up to $50,000 per calendar year, after that you'll earn 1% cash back. The cash back you earn is automatically credited to your statement. As you can see, you get a lot of flexibility in choosing the categories that could save you money. You earn 1% cash back on other purchases.

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

Credit Card	Features	Intro APR	Regular APR	Annual Fee	Why we like it	We least like	Credit Required	Related links
The Blue Business℠ Plus Credit Card from American Express Our Rating: APPLY NOWAt American Express' secure website	Our Rating: 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. 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 Terms Apply See Rates & Fees See Rates & Fees Terms Apply See Rates & Fees Terms Apply APPLY NOWAt American Express' secure website	0% on Purchases and Balance Transfers for 15 months	12.74% - 20.74% Variable	$0			Excellent, Good	Related Links Read our review of The Blue Business℠ Plus Credit Card from American Express or view more details of The Blue Business℠ Plus Credit Card from American Express. See more American Express credit cards. APPLY NOWAt American Express' secure website

The Blue Business℠ Plus Credit Card from American Express has a 0% intro APR on purchases and balance transfers for 15 months, with 12.74% - 20.74% variable APR 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. Terms apply.

Credit Card	Features	Intro APR	Regular APR	Annual Fee	Why we like it	We least like	Credit Required	Related links
Bank of America® Platinum Visa® Business credit card Our Rating: APPLY NOWAt Bank of America's secure website	Our Rating: Get a $200 statement credit when you make at least $500 in net purchases within 60 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. Get a flexible suite of online services that adopts to your business needs with MyReport Center. APPLY NOWAt Bank of America's secure website	0% Introductory APR on purchases for your first 7 billing cycles	10.74% - 21.74% Variable APR	No annual fee			Excellent	Related Links Read our review of Bank of America® Platinum Visa® Business credit card or view more details of Bank of America® Platinum Visa® Business credit card. See more Bank of America credit cards. APPLY NOWAt Bank of America's secure website

Bank of America^® Platinum Visa^® Business credit card has a 0% intro APR on purchases for your first 7 billing cycles with a low 10.74% - 21.74% variable APR thereafter, which makes it a decent card to use on a big purchase that you are going to pay over time. Enjoy a welcome offer of a $200 statement credit when you make at least $500 in net purchases within 60 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.