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Best for Business Borrowing

Published: Sep 22, 2014

U.S. Bank Business Edge 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.