When it comes to running a successful business, managing finances efficiently is just as crucial as making sales. One of the smartest financial tools a business owner can have is a business credit card — especially one that offers high rewards, low APR, and valuable perks that help maximize every dollar spent.
In the United States, business credit cards have evolved far beyond simple payment methods. They now offer robust rewards programs, travel points, cashback, and financing flexibility that can make a real difference in a company’s cash flow. Whether you run a startup, a small business, or a growing enterprise, the right card can help reduce expenses and boost profits.
Below, we’ll explore some of the top business credit cards in the USA that provide the best combination of rewards and low interest rates, along with their features, pros, cons, and ideal use cases.
If you’re running a business in the U.S. and want a credit-card that gives high rewards + relatively low interest (or good intro APR), here are some top picks and what to look for — written in clear English so you can compare them easily. Always check the latest terms when you apply, since rates and rewards change.
✅ What to look for in a great business card
Before picking a card, make sure it ticks these boxes:
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Generous rewards (cash back, points, travel miles) on the categories you spend in (e.g., travel, office supplies, gas).
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Low or intro “0%” APR on purchases or balance transfers, so if you carry a balance temporarily you pay less interest. Bankrate+2U.S. Bank+2
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Reasonable or no annual fee, especially if you’re cost-sensitive.
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Good business-features: employee cards, expense tracking, ability to separate business vs personal spending.
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Rewards structure that fits your business spending habits — flat rate vs bonus categories.
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Solid issuer reliability, good customer service and known program perks.
🔝 Top Business Credit Cards Worth Considering
Here are three cards (from well-known issuers) that hit a strong balance of rewards + good terms for business use:
1. U.S. Bank Business Platinum Card
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Offers a 0% intro APR on purchases and balance transfers for up to 12 billing cycles. U.S. Bank+1
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No annual fee for you and for employee cards. U.S. Bank
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Good if you have a large business purchase ahead and want to spread cost interest-free while still earning rewards.
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Because the APR goes variable after the intro, you’ll want to pay off the balance before the low rate ends.
2. American Express Blue Business Cash™ Card
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One of the best flat-rate cash back cards for business: e.g., 2% cash back on purchases up to a cap (then 1%). Bankrate+1
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Has a 0% intro APR on purchases for a set period. Bankrate
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Good if your business has a variety of expenses and you prefer simplicity over managing many bonus categories.
3. Chase Ink Business Unlimited®
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No annual fee, flat-rate rewards (e.g., unlimited 1.5% cash back on every purchase) and some intro‐APR offers. Rippling+1
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A strong all-rounder if your business doesn’t spend heavily in a handful of categories but you want reward value for every dollar spent.
🧮 How to choose which one fits your business
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Look at your monthly/annual spend categories: travel? gas & fleet? software/tools?
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If you expect to carry a large purchase a few months: go for a card with intro 0% APR.
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If you pay in full each month and want maximum reward value: go for “rewards first” (points/cash back) rather than low APR.
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If your business is starting or you have modest revenue: pick a card with no or low annual fee and simpler rewards.
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Make sure to check employee card policies, limits, and reporting features (helpful for bookkeeping and tax prep).