Business credit cards with low ongoing interest rates. Ranked by average of rate tiers, not just lowest published rate (the best credit customers earn the lowest rates, but rates may vary based on your business' credit history, so the lowest rates shown for each card are NOT guaranteed for every applicant). Introductory offers, balance transfer rates and annual fees factored in where rates are equivalent. (NOTE: Credit card rates change fairly regularly -- check the terms and conditions of each card to be sure the interest rates shown here are accurate.) Last Updated: July 3, 2008.

• Advanta Platinum BusinessCard with Rewards - Ongoing Interest Rate: 6.99% variable rate*. Introductory APR: Same as ongoing rate. Balance Transfer Rate: 0% for 15 billing cycles, then 7.99% fixed rate. Annual Fee: None. Also: Rewards program offers choice of 5% cash back or travel rewards. (click for all terms & conditions.)

• CitiBusiness Card - Ongoing Interest Rate: 7.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Chase Business Rebate Credit Card - Ongoing Interest Rate: 7.99% fixed rate*. Introductory APR: Same as standard rate. Balance Transfer Rate: 0% for 15 billing cycles, then same as ongoing. Annual Fee: None. Also: Earn a full 3% cash back at restaurants, gas stations, office supply stores, building supply stores, hardware/home improvement stores; earn 1% cash back everywhere else. (click for all terms & conditions.)

• Advanta Life-Of-Balance Platinum Card - Ongoing Interest Rate: 8.99% variable rate*. Introductory APR: Same as ongoing rate. Balance Transfer Rate: 2.99% for life of balances transferred with initial application. Annual Fee: None. Also: Rewards program offers choice of up to 6% cash back or travel rewards. (click for all terms & conditions.)

• Citi Professional Cash Card - Ongoing Interest Rate: 9.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: Same as standard rate. Annual Fee: None. Also: Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on all other purchases. (click for all terms & conditions.)

• CitiBusiness Card with ThankYou Network - Ongoing Interest Rate: 9.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: Same as standard rate. Annual Fee: None. Also: Earn 3 ThankYou points for every dollar spent at office supply stores, stand-alone tax preparation, accounting, bookkeeping, and legal services providers, plus 1 point per dollar everywhere else, plus 10,000 points after $250 in purchases. Redeem points for toward free travel, gift cards, more. (click for all terms & conditions.)

• American Express SimplyCash Business Card - Ongoing Interest Rate: 5.00%, or 8.99%, or 11.99%, or 14.99% variable rate*. Introductory APR: 0% for 12 months, 9 months or 6 months, depending on your credit history. Balance Transfer Rate: 7.99% for life of balance if transfer is made within first 6 months. Annual Fee: None. Also: Earn a full 5% cash back on office supplies and wireless service, 3% cash back on gas purchases, and 1% cash back on all other purchases. (click for all terms & conditions.)

• BancorpSouth MasterCard BusinessCard - Ongoing Interest Rate: 10.90% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Citi Professional Card - Ongoing Interest Rate: 10.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: Same as standard rate. Annual Fee: None. Also: Earn 3 ThankYou points per dollar on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1 ThankYou point per dollar on all other purchases. Redeem points for travel, gift cards, merchandise, etc. (click for all terms & conditions.)

• Advanta Platinum BusinessCard - Ongoing Interest Rate: 10.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 months, then same as standard rate. Annual Fee: None. (click for all terms & conditions.)

• GM Business Credit Card - Ongoing Interest Rate: 10.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 months, then same as ongoing. Annual Fee: None. Also: Earn cash back rebates toward GM vehicles. (click for all terms & conditions.)

• Blue for Business from American Express - Ongoing Interest Rate: 7.99%, or 9.99%, or 11.99%, or 14.99% variable rate*. Introductory APR: 0% for up to 15 months, with plastic card only; not on phone or Internet purchases. Balance Transfer Rate: 4.99% for life of the balance, as long as transfer made within 45 days. Afterwards, same as ongoing rate. Annual Fee: None. (click for all terms & conditions.)

• American Express Platinum Business Credit Card - Ongoing Interest Rate: 7.99%, or 9.99%, or 11.99%, or 14.99% variable rate*. Introductory APR: 0% for 12 months on plastic card purchases only. Balance Transfer Rate: 4.99% for life of the balance on balances transferred within the first 45 days. Annual Fee: None. Also: Offers fee-free Membership Rewards Express program that allows you to earn points toward travel, merchandise and other rewards. (click for all terms & conditions.)

• Blue Cash for Business from American Express - Ongoing Interest Rate: 7.99%, or 9.99%, or 11.99%, or 14.99%* variable rate. Introductory APR: 0% for 6 months. Balance Transfer Rate: 7.99% for life of the balance, if balance transferred within first 6 months. Annual Fee: None. Also: Earn up to 5% cash rebate on purchases. (click for all terms & conditions.)

• American Express Platinum Business FreedomPass Credit Card - Ongoing Interest Rate: 8.99%, or 10.99%, or 12.99%, or 14.99%* variable rate. Introductory APR: 0% for 12 months. Balance Transfer Rate: 7.99% for life of the balance, if balance transferred within first 6 months. Annual Fee: None. Also: Earn points that can be redeemed for free or discounted travel. (click for all terms & conditions.)

• PNC Bank Business Credit Card - Ongoing Interest Rate: 9.99%, or 13.99%, or 15.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 0.99% through 6/30/09, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Chase Platinum Business Card - Ongoing Interest Rate: 8.99%, or 12.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• Discover Business Credit Card - Ongoing Interest Rate: 13.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 3.9% for 6 months, then same as ongoing. Annual Fee: None. Also: Earn a 5% Cashback Bonus on office supplies, 2% Cashback Bonus on gas purchases and up to 1% on other purchases. (click for all terms & conditions.)

• Discover Business Miles Card - Ongoing Interest Rate: 13.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 3.9% for 6 months, then same as ongoing. Annual Fee: None. Also: Earn 2 miles per dollar in card spending on travel and gas purchases, up to 1 point per dollar on all other purchases. Redeem points for travel across all airlines. (click for all terms & conditions.)

• Expedia Corporate Travel MasterCard - Ongoing Interest Rate: 9.10%, or 11.15%, or 14.10%, or 21.50% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: No balance transfers. Annual Fee: None. (click for all terms & conditions.)

• Chase Business Cash Rewards Visa - Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 billing cycles. Balance Transfer Rate: 0% for 12 billing cycles. Annual Fee: None. Also: Earn up to 5% cash back --- Earn 1 point (equal to 1% cash rebate) per dollar on monthly purchases under $2000, then 5 points (or 5%) per dollar on monthly purchases from $2001-$2500, then 1.25 points (or 1.25%) per dollar on monthly purchases over $2500. Redeem for cash, gift cards, or other rewards. (click for all terms & conditions.)

• UPS Capital Visa Business Rewards Credit Card - Ongoing Interest Rate: 10.99%, or 14.99%, or 19.99% variable rate*. Introductory APR: 0% for 12 months. Balance Transfer Rate: 0% for 12 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

• American Express Business Gold Rewards Card - Ongoing Interest Rate: Technically, none; card must be paid off in full each month. Introductory APR: N/A. Balance Transfer Rate: No balance transfers. Annual Fee: None first year, $125/year afterward. Also: Earn 1 Membership Rewards point per dollar, plus an initial 5,000 bonus points and other potential bonuses based on card spending. Redeem for merchandise or travel rewards, including transfer into 11 airline frequent flyer programs. (click for all terms & conditions.)

• American Express Business Green Rewards Card - Ongoing Interest Rate: Technically, none; card must be paid off in full each month. Introductory APR: N/A. Balance Transfer Rate: No balance transfers. Annual Fee: None first year, $95/year afterward. Also: Earn 1 Membership Rewards point for every dollar in purchases, plus a 5,000-point bonus after first card purchase. (click for all terms & conditions.)

• Capital One Business Platinum with No Hassle Cash - Ongoing Interest Rate: 14.99%, or 17.99%, or 19.89% variable rate*. Introductory APR: 0% through August 2009. Balance Transfer Rate: Same as ongoing. Annual Fee: None. Also: Earn 1% cash back on all purchases, plus a once-yearly bonus of 25% of your previous cash back reward total. (click for all terms & conditions.)

• Capital One Business Platinum with Preferred No Hassle Miles - Ongoing Interest Rate: 14.99%, or 17.99%, or 19.89% variable rate*. Introductory APR: 0% through August 2009. Balance Transfer Rate: Same as ongoing. Annual Fee: None. Also: Earn 2 miles per dollar on travel and entertainment purchases, and 1 mile per dollar on all other purchases, with no limit on miles earned. Use miles on any airline, without restrictions, or choose cash back or merchandise rewards. (click for all terms & conditions.)

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