If you fail to make repayments on purchases on your card, you'll be eligible to begin paying interest after the initial interest-free period. The majority of business cards have significant APR rates, so failing to make repayments on time can lead to heavy financial repercussions. In conclusion, the best business credit card is the one that most suits your business. It will come down to the size of your organisation, the amount you may need to borrow and the amount of interest-free days you're comfortable with. We have done our best to list the providers we would recommend above - but the final decision rests with you and your business. Remember: you don't have to have one; a business credit card is simply a convenient resource that you can leverage with care.