---
title: Best for Business Borrowing
description: 'Need to borrow for a biz? This card—which is one of Money''s #BestCreditCards—offers the lowest rates out there.'
authors:
  - name: kerrirenzulli
    url: https://money.com/author/kerrirenzulli/
    at_money_since: 2014
    articles: 1
    covers:
      - Career Advice
    former_staff: true
published: '2014-09-22T18:57:49.000Z'
modified: '2024-04-16T04:25:28.000Z'
section: Family Finance
tags:
  - APR
  - Borrowing
  - Credit Cards
  - financing
  - low rate
  - Money's Best Credit Cards
  - Small Business
  - U.S. Bank Business Edge Platinum
canonical: https://money.com/collection-post/best-credit-card-for-startup-costs/
type: Article
source: structured-blocks
---

> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![Best for Business Borrowing](https://money.com/content.money.com/wp-content/uploads/2014/09/140919_ff_credit_smallbusiness.jpg?crop=0px%2C224px%2C2100px%2C1181px&resize=1012%2C569&quality=85&strip&ssl=1)

### [**U.S. Bank Business Edge Platinum**](http://www.nerdwallet.com/card-details/card-name/US-Bank-Business-Visa-Platinum)

**APR:** 0% on pur­chases and balance transfers for first year; 10% to 18% after that

**Annual Fee:** $0

**Sign-up Bonus:** $0

**Why It’s a Winner:** It boasts the lowest APR (starting at 10%) among no-annual-fee business cards. That makes the Business Edge

Platinum a good choice for entre­preneurs who need to use credit cards to get a business off the ground. Plus, the yearlong 0% ­intro period for purchases helps businesses finance major expenses.

**Caveats:** This card offers no rewards, so it’s really suited only to those who will need to carry a balance. Also, to get the 10% rate, you’ll need an outstanding FICO score.

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