Best 0% APR business credit cards | CreditCards.com (2024)

A credit card with a 0 percent introductory APR can be a smart choice for a small business or a startup. If you own a business, you can use this type of credit card to pay off large purchases over time without worrying about accruing expensive interest charges on what you spend.

And, there are plenty of great small-business credit cards that offer 0 percent interest on new purchases for the first few months of card ownership. But it’s important to note that the 0 percent intro offer won’t last forever. Your interest rate will eventually change to the regular APR, and the interest rate you receive at the end of the 0 percent introductory periodwill depend heavily on your business credit profile.

As such, it’s important to pick a card that works well for you both during and after the intro period ends. To help you get started, here are our picks for the best 0 percent APR business credit cards on the market.

Ink Business Cash Credit Card: Best for office supplies

Why we picked it: The Ink Business Cash® Credit Card offers one of the longer introductory periods on the market — 0 percent APR for the first 12 months on purchases (18.49 percent to 24.49 percent variable APR thereafter). Plus, it comes with a competitive earning rate that makes it a particularly good choice for small business owners who need to stock up on office supplies.

The Ink Business Cash Card offers plenty of potential value for cardholders, with 5 percent cash back on internet, cable, phone services and office supplies, as well as 2 percent cash back on gas and dining. It’s worth noting that you’ll earn 5 percent and 2 percent, respectively, in those bonus categories on up to $25,000 in purchases per year.

Pros

  • No annual fee
  • Variety of ways to redeem cash back, such as statement credits, Amazon purchases, direct deposits and more
  • Works great alongside other Chase Ultimate Rewards cards
  • $750 bonus cash back after you spend $6,000 on purchases in the first three months

Cons

  • 5 percent and 2 percent bonus categories each have an annual $25,000 spend limit
  • Low cash back rate on general purchases

Who should apply: If you spend significant amounts of money on office supplies or frequently charge client dinners to your card, you may benefit from the cash back that the Ink Business Cash Card racks up.

Who should skip: If you spend more than $25,000 in the card’s bonus categories, you may want to look at other cards. Or, if you don’t spend much on office supplies, internet or dining, this card may not be the right fit.

American Express Blue Business Cash Card: Best flat-rate cash back card

Why we picked it: The The American Express Blue Business Cash™ Card offers an intro APR of 0 percent on new purchases for the first 12 months of account opening (18.49 percent to 26.49 percent variable APR thereafter). Unlike the Ink Business Cash, it offers the same 2 percent cash back on all purchases, on a maximum of $50,000 per calendar year (1 percent thereafter).

Pros

  • Travel insurances like baggage insurance, travel accident insurance, etc.
  • Business perks like expense tracking tools and Working Capital Terms
  • Free employee cards
  • Flexible credit limit

Cons

  • 2 percent cash back capped at $50,000 in purchases per year
  • Relatively small welcome bonus
  • Can redeem cash back only as a statement credit

Who should apply: If you have purchases to make for your business across a wide variety of categories, this flat-rate cash back card might offer you more rewards than a bonus category card.

Who should skip: If you easily spend more than $50,000, it could make sense to find a card with no spending limit. Or, if you prefer to redeem your rewards as something other than statement credit (travel, merchandise, gift cards, etc.), you may benefit more from another card.

Ink Business Unlimited Credit Card: Best card with no spending cap

Why we picked it: For a business card with no spending cap, consider the Ink Business Unlimited® Credit Card, which offers the same 12 months interest-free for new purchases (18.49 percent to 24.49 percent variable APR thereafter) as the Ink Business Cash. But unlike its sister card, the Chase Ink Business Unlimited offers a flat rate of 1.5 percent unlimited cash back on all purchases.

Though slightly lower than the Amex Blue Business Cash, this earning rate is still great for cardholders who don’t spend heavily in one particular category. And, for a business credit card with no annual fee, it offers a pretty generous rewards structure.

Pros

  • Earn unlimited cash back
  • $750 bonus cash back after you spend $6,000 on purchases in the first three months
  • Rewards don’t expire; no blackout dates
  • Can transfer points to other Ultimate Rewards cards

Cons

  • Lacks perks like travel insurance or access to business tools

Who should apply: If you easily spend more than $50,000 per year on your business, the unlimited cash back might make sense for you. The card’s flat rate is also good for businesses that make purchases in a range of categories, not just a small handful.

Who should skip: If a spending cap is not a problem, and you would like to earn more rewards per dollar on your purchases, there are better options to choose from.

The Blue Business Plus Credit Card from American Express: Best for travel points

Why we picked it: If points are a better fit for you than cash back, the The Blue Business® Plus Credit Card from American Express offers the same generous rewards rate as the Blue Business Cash — with one key difference. Rather than cash back, cardholders earn 2 Membership Rewards points per dollar on the first $50,000 in spending each year and 1 point per dollar on all purchases thereafter.

Plus, the Amex Blue Business Plus offers the same lengthy introductory interest rate of 0 percent APR for 12 months from account opening on new purchases — making it a top-notch card for financing large purchases in the first year (after that, the APR is 18.49 percent to 26.49 percent variable).

Pros

  • Can earn Membership Rewards points
  • Offers many different redemption options
  • Points don’t expire
  • May transfer points to Amex travel partners

Cons

  • $50,000 annual spending cap
  • Fees for transferring points or booking airfare with American Express Travel

Who should apply: If your business requires you or your employees to travel frequently, this card could be a good fit. It’s also great for existing Membership Rewards enthusiasts, since your rewards pool to a primary account under your name instead of on separate card accounts.

Who should skip: If you prefer cash back rewards or most of your business expenses go toward your office or storefront, this card probably isn’t for you. Or, businesses that easily spend over $50,000 a year may want to look for a card that offers unlimited rewards.

Bank of America Business Advantage Customized Cash Rewards: Best for flexibility

Why we picked it: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card is great for those who spend mostly on office supplies and gas, but not all year. With 3 percent cash back on a category of your choice (gas & EV charging stations, office supplies, travel, TV/telecom and wireless, computer service and business consulting services) and 2 percent cash back on dining, this card provides great rewards on some of the most popular categories for small businesses. However, there is a $50,000 combined yearly cap on the 3 and 2 percent categories (then 1 percent cash back).

And, it comes with a 0 percent intro APR on new purchases, as well as balance transfers, for nine billing cycles, with an 18.49 percent to 28.49 percent variable APR thereafter. That, plus the $300 statement credit if you spend $3,000 in the first 90 days, makes the Business Advantage Customized Cash Rewards quite a deal, particularly since it charges no annual fee.

Pros

  • Can change choice category up to once a month
  • No expiration on cash back as long as the account stays open
  • Can increase cash back rate by up to 75 percent with Preferred Rewards for Business

Cons

  • $50,000 annual cap on 2 percent and 3 percent categories
  • Limited redemption options

Who should apply: If you already have a business checking account with Bank of America, chances are you’ll get good value from this card, especially if you qualify for a Preferred Rewards tier. The card can also be a great option if you don’t mind a relatively short introductory APR period but want flexibility in your chosen categories.

Who should skip: If you spend across various categories that are not included in the card’s available choice categories, a flat-rate card may suit you better. Or, if your business spends over $50,000 a year, you may want to keep shopping.

Comparing the best 0 percent intro APR business credit cards

It can be difficult to choose between all the different cards, especially since they all seem so great. Check out the chart below to see how they compete side by side.

Card0% intro APR period (new purchases)RewardsRegular APR
Ink Business Cash Credit Card12 months
  • 5% cash back on internet, cable and phone services and at office supply stores ($25,000 in purchases per year)
  • 2% cash back on gas and dining ($25,000 in purchases per year)
  • 1% cash back on other purchases
18.49%-24.49% variable
American Express Blue Business Cash Card12 months
  • 2% cash back (on up to $50,000 per year)
  • 1% cash back on all purchases after that
  • Terms apply
18.49%-26.49% variable
Ink Business Unlimited Credit Card12 months1.5% cash back on every purchase18.49%-24.49% variable
The Blue Business Plus Credit Card from American Express12 months
  • 2X points on every purchase (on up to $50,000 per year)
  • 1X point thereafter
  • Terms apply
18.49%-26.49% variable
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card9 billing cycles
  • 3% cash back on a category of your choice (gas & EV charging stations, office supplies, travel, TV/telecom and wireless, computer service and business consulting services)
  • 2% cash back on dining purchases
  • $50,000 purchase limit on combined 2% and 3% categories each year, then 1% cash back
  • 1% cash back on other purchases
18.49%-28.49% variable

How to choose a 0 percent APR business credit card

A 0 percent intro APR has can be appealing to a small-business owner, especially if you anticipate a large purchase like a refrigerator, an industrial printer or 10,000 screen-printed t-shirts. However, you should also ensure that the rewards rate on the card closely matches your spending habits. This will boost your ability to draw plenty of value out of the cards even after the intro APR ends. Be sure to check the following before signing on the dotted line:

  • Rewards structure: Which sounds better, bonus categories or flat rate? This could very well depend on the nature of your business. If all your spending is focused on just a few categories, a bonus category business card may be better. For businesses that spend across different categories, a flat-rate card would do well.
  • Cash back or points: More incoming cash is always a good thing for any small business. However, if your business requires a ton of travel, points (or miles) may suit your purposes better.
  • Spending cap: Again — a spending cap could really reduce the value your business card brings. Business owners who know they spend more than $50,000 should steer clear of cards with spending caps so they don’t miss out on any rewards they would earn otherwise.
  • Extra perks: Does your business need a connection to QuickBooks, roadside assistance or free employee cards? Business credit cards often offer helpful benefits to oil the gears and aid your business in running smoothly, so be sure to choose a card with the perks you need.

Bottom line

Business credit cards with 0 percent intro APR are a valuable resource, as they can improve your cash flow while enabling you to rack up rewards on all of your business purchases, rather than using a personal credit card. By choosing a card with a 0 percent introductory APR, you can pay off large purchases or debt over time without accruing interest — saving yourself money to reinvest in your business.

Furthermore, business credit cards with 0 percent APR periods can help you build business credit without interest charges like you would have on other business credit cards.

Methodology

CreditCards.com’s editors considered dozens of cards on the market and weighed a variety of factors to determine the best business credit cards with a 0 percent intro APR. We looked at 0 percent intro APR periods, regular APRs and whether the offer extended to balance transfers or new purchases. We also examined card features like annual fees, rewards structures and spending caps to narrow down the pool of cards. We reviewed these characteristics to decide which may suit specific types of business owners.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Emily Sherman is a senior editor at CreditCards.com, focusing on product news and recommendations. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation.

Best 0% APR business credit cards | CreditCards.com (2024)

FAQs

What credit score do you need to get 0% credit card? ›

0% APR cards require good to excellent credit

This means you'll need a FICO credit score of at least 670 or a VantageScore credit score of at least 661. If you have very good or excellent credit, which means a FICO score of at least 740 or a VantageScore of at least 781, your chances of approval are even higher.

What credit card has the longest 0% interest rate? ›

Longest 0% APR Cards for Purchases
  • Wells Fargo Reflect® Card *: Best for Long Intro APR on Purchases and Balance Transfers from Wells Fargo (21 months)
  • U.S. Bank Visa® Platinum Card *: Best for Long Intro APR from U.S. Bank (21 billing cycles)
May 30, 2024

How to get approved for 0 APR credit card? ›

If you're looking to open a 0% APR card, check your credit score first. Introductory no-interest credit cards typically require good credit (scores 670 to 739) or excellent credit (scores 740 and greater).

What three questions should you ask for low interest 0% APR or balance transfer cards? ›

Here are five questions you should ask about your 0% APR credit card right now.
  • When does the 0% APR expire? ...
  • What is the APR after the 0% APR expires? ...
  • Is there a sign-up bonus? ...
  • Is there an annual fee or a balance transfer fee? ...
  • Will a late payment trigger a higher interest rate?
Dec 14, 2014

Which card is easiest to get approved for? ›

NerdWallet's Easiest Credit Cards to Get of June 2024
  • OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
  • Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
  • Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.

Is it worth getting a 0% credit card? ›

Credit cards with 0% interest on purchases can be a good way to spread cost and build up your credit score. For example, you could use one to book flights, pay for a holiday or cover the cost of home improvements and then pay it back in monthly repayments.

Is there a catch to 0% APR? ›

Higher Price Tag

Most 0% APR car deals are only offered on new vehicles selling at full price—which means you can't negotiate or take advantage of a sale. And like I mentioned before, dealerships can mark up the price even more and add on a lot of hidden fees because they know they won't make as much money on interest.

What's the best credit card with no interest? ›

Best 0% Interest Credit Cards of June 2024
  • Wells Fargo Reflect® Card: Best longest intro APR card.
  • Wells Fargo Active Cash® Card: Best for flat-rate cash rewards.
  • Capital One VentureOne Rewards Credit Card: Best for travel.
  • Blue Cash Everyday® Card from American Express Card: Best for everyday use.
May 30, 2024

What is the 0% credit card in 2024? ›

Best 0% Introductory APR Credit Cards of June 2024

Discover it® Cash Back: Best feature: Cash back on everyday purchases. Wells Fargo Reflect® Card: Best feature: Lengthy low introductory APR. Citi Rewards+® Card: Best feature: Two points per dollar spent at gas stations.

Do 0% credit cards still exist? ›

If you're looking for a 0% interest credit card, there are plenty of offers online. Once you think you've found a card which works for you, there are several things you should find out before you commit: The length of the interest-free offer, and how much interest you could pay once it finishes.

What credit do you need for 0% APR? ›

You'll typically need good or excellent credit (a score of at least 690 on the FICO scale) to qualify for most 0% APR credit cards. The ongoing interest rate, which is charged once a card's promotional period ends, will also depend on your creditworthiness.

Can I ask my credit card company for 0% APR? ›

You may be able to secure a 0% APR offer by requesting one from your credit card issuer. Offers are generally for balance transfers, but some issuers also offer pay-over-time plans or credit line loans. Using your card responsibly and negotiating a retention offer can increase your chances of getting a 0% offer.

Under what circumstances would you want to use a 0% credit card? ›

Consider signing up for one of these cards if:
  • You're planning to make a large purchase and believe you can pay off the full charges within the card's introductory period.
  • You're serious about getting out of debt, and you have a plan to pay off all or most of your balance during the card's introductory period.
May 17, 2024

Can you transfer money from a 0% interest credit card? ›

Interest-free credit cards allow you to either transfer a balance, make purchases or transfer cash to a current account without paying any interest on your balance for a set period. However, you must keep making at least the minimum monthly repayment during this time.

How many times can you transfer to 0% credit card? ›

You can transfer as many balances as you want onto a 0 percent intro APR card, as long as you don't exceed the balance transfer card's credit limit — and as long as your transfers still qualify for the introductory APR offer.

What is your credit score if you have zero credit? ›

No credit history associated with a consumer's profile means they have no credit score at all. Read on to learn what having no credit history means in practical terms and steps you can take to build credit if you need to.

What credit score do you need for 0 financing? ›

Lenders want to ensure you have a near-perfect history of making payments and handling your debt before offering you no-interest financing. An excellent credit score — 781 or higher — will get you the best deal on financing, but you can still qualify for a competitive interest rate if your score is 670 or higher.

What credit score qualifies for 0 down? ›

You'll usually need a credit score of at least 640 for the zero-down USDA loan program. VA loans with no money down usually require a minimum credit score of 580 to 620.

How to get a credit card with a credit score of 0? ›

One option for an unsecured credit card for an applicant with no credit history is a student credit card. Student credit cards don't require a deposit like secured cards do, and usually function more like a regular credit card.

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