When you need an infusion of cash to grow your business or take on a big project, you have options. Loans and lines of credit are the best option in some cases, but credit cards can have some advantages, as well. While credit cards usually have high annual percentage rates (APRs), depending on your business's financials, age, and your personal credit history, you might still be better off with a credit card than with a business loan. If you can only qualify for a short-term loan with a very high APR, the APR on a business credit card may be lower. Do the math and figure out what makes sense for your situation.