Best 0% APR Business Credit Cards of 2024 (2024)

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The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. The details for these products have not been reviewed or provided by the issuer.

Whether you're an established business owner or you're just starting out, acquiring a small business credit card can be a smart move. These cards allow you to easily separate business and personal expenses and can provide benefits to help you grow.

Among these is the opportunity to open an intro 0% APR business credit card, whose limited-time offer means you can make purchases and hold a balance without accruing any interest. Let's take a look at the best 0% APR business credit cards, what they have to offer, and which card is going to suit your needs.

Best 0% Intro APR Business Credit Cards

• U.S. Bank Business Triple Cash Rewards World Elite Mastercard® : Best overall for high rewards and long 0% intro APR
• Ink Business Cash® Credit Card: Best welcome offer
• The American Express Blue Business Cash™ Card: Best for easy rewards
• The Blue Business® Plus Credit Card from American Express: Best for flexible rewards
• U.S. Bank Business Platinum Card: Best for balance transfers
• Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card : Up to 5.25% cash back for Bank of America Preferred Rewards for Business customers

Compare the Best 0% APR Business Credit Cards

Best 0% APR Business Credit Card Reviews

Best Overall: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The no-annual-fee U.S. Bank Business Triple Cash Rewards World Elite Mastercard® delivers generous rewards alongside of a longer-than-average 0% intro APR period for both new purchases and balance transfers.

It's rare for a business credit card to offer such generous zero-interest terms, but this card has 0% intro APR on purchases and balance transfers for 15 billing cycles (then a 19.24% - 28.24% Variable APR).

The long 0% APR rate can help you float the cost of large office expenses such as furniture and computers, allowing you to pay off the expense without incurring interest.

This card earns 5% cash back on prepaid hotels and car rentals booked through the U.S. Bank Rewards Center; 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases.

Cardholders also get an annual $100 statement credit toward recurring business software subscriptions such as QuickBooks, and several other premium benefits.

TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard® even comes with a welcome offer of ​​$500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account.

All things considered, these are fantastic perks for a 0% APR business credit, especially without an annual fee.

Best Welcome Offer: Ink Business Cash® Credit Card

The Chase Ink Business Cash® Credit Card is a no-annual-fee credit card that allows you to earn cash back rewards on all your purchases.

New cardholders get a 0% intro APR on purchases for the first 12 months and then a 18.49% - 24.49% Variable APR, which gives you plenty of time to pay off any balances that you accrue. Note that this zero-interest period does not apply to balance transfers, so this card isn't the one to choose if you need to handle some existing debt.

Earning cash back with the Ink Business Cash® Credit Card can be more complicated than other options thanks to its tiered reward structure, but the upsides are more rewarding:

• 5% cash back on office supply, internet, cable, and phone purchases (on the first $25,000 per year)
• 2% cash back on gas stations and dining purchases (on the first $25,000 per year)
• 1% cash back everywhere else, with no limit

The Ink Business Cash® Credit Card earned its spot on this list because of a welcome offer worth hundreds of dollars in cash back. New cardholders can earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

If you have or open a Chase Business Complete Checking account when you get the Ink Business Cash® Credit Card,you'll also earn a one-time 10% bonus on your card anniversary, of all the cash back that you've earned for the year.

Best for easy rewards: The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is another solid no-annual-fee business credit card with a generous 0% intro APR.

As with the Ink Business Cash® Credit Card, The American Express Blue Business Cash™ Card offers a 0% intro APR on purchases for 12 months from account opening on new purchases and then a 18.49% - 26.49% Variable.

The American Express Blue Business Cash™ Card earns a flat rate of 2% cash back on the first $50,000 in purchases each year (then 1% cash back).

This simple and generous rate makes this card an excellent option for businesses with lower spend thresholds, since it's one of the few cards to offer a flat-rate 2% return on your spending. The card also features Expanded Buying Power, which allows you to spend beyond your credit limit based on your credit report, payment history, and other factors.

The American Express Blue Business Cash™ Card currently features a welcome offer for new applicants of $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.

Best for Flexible Rewards: The Blue Business® Plus Credit Card from American Express

Cash back can be nice, but the no-annual-fee The Blue Business® Plus Credit Card from American Express can be a better fit for business owners who want to earn flexible points that can convert to travel rewards.

The Blue Business® Plus Credit Card from American Express earns American Express Membership Rewards® points instead of cash back, which can be a boon for those looking for flexible travel redemptions. Thanks to Amex's travel partnerships, Amex points can be converted to a variety of hotel and airline partners. They can also be redeemed for statement credits, gift cards, and travel, among other options.

The Blue Business® Plus Credit Card from American Express offers a simple earning structure: 2x Amex points on the first $50,000 in purchases each year, then 1x point thereafter. Very similar to the earning structure of The American Express Blue Business Cash™ Card.

New cardholders can earn a welcome offer of 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership. They'll also get 0% intro APR on purchases for the first 12 months from account opening with a 18.49% - 26.49% Variable APR after.

Best for Balance Transfers: U.S. Bank Business Platinum Card

This no-annual-fee card is ideal for business owners who want a no-frills balance transfer card with a long 0% APR for new purchases as well as existing debt.

The U.S. Bank Business Platinum Card is our top pick for a business credit card for balance transfers for its 0% intro APR on purchases and balance transfers for the first 18 billing cycles (then 16.24% - 25.24% Variable APR).

This zero-interest duration is one of the best in the industry, even amongst consumer credit cards for balance transfers. You'll pay a balance transfer fee of 3% or $5, depending on which one is greater.

This isn't a card for rewards or welcome bonuses. It's purely a tool designed to help small business owners float interest-free debt.

Best for Bank of America Preferred Rewards Customers: Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Those who bank with Bank of America will want to take a look at the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.

The card comes with 0% intro APR duration of just nine months, which is on the shorter side of the spectrum amongst 0% APR business credit cards. But Bank of America Preferred Rewards members can earn industry-leading multipliers of cash back on this card, thanks to a25% to 75% bonus that members can earn on their purchases.

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has a welcome offer of Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.

Bank of America banking customers whose with top-tier Preferred Rewards status will earn rewards at the following rates:

• 5.25% cash back on a category of your choice: Gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services
• 3.5% cash back on dining
• 1.75% cash back on all other purchases

Even those who don't bank with Bank of America can earn up to 3% cash back with the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Note that 3% and 2% bonuses only apply to the first $50,000 in combined purchases per year; after that, every dollar earns 1% cash back.

• 3% cash back on a category of your choice: Gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services
• 2% cash back on dining
• 1% cash back on all other purchases

Understanding 0% APR Offers for Businesses

0% APR business credit cards offer business owners an interest-free timeframe to pay off large balances. Many entrepreneurs rely on 0% APR cards to help them float big investments such as equipment, office furnishings, and computers.

0% APR business credit cards are best used with care, since the zero-interest period won't last forever. Make a plan to pay off your card when your 0% intro APR period is up so that you don't incur additional debt from high rates of interest.

Features to Look For in 0% APR Business Credit Cards

The best 0% APR business credit cards either offer generous terms for zero interest, or high rewards for spending on the credit card. Each of the products featured in this guide offer one or both of these benefits, which is why they're our top picks for 0% APR business credit cards.

Strategies to Maximize Your 0% APR Business Credit Card

The best way to maximize your 0% APR business credit card benefits is by getting the card right before you need to make a large purchase that you aren't ready to pay off all at once. This way, you can maximize the amount of time you have to pay back the balance. And if you chose a card that offers a welcome bonus, your large purchase may very well help you earn the bonus in a single transaction.

0% APR Business Credit Card Frequently Asked Questions

Why You Should Trust Us: How We Reviewed the Best 0% APR Credit Cards

There are plenty of 0% APR business credit cards on the market, including ones that will reward you with cash back or flexible points. The ones we've chosen represent the best of the bunch, with particular emphasis on:

• Length and type of 0% APR promotion
• Fees, including annual fees and foreign transaction fees
• Rewards, whether those are cash back or points
• Additional benefits of the cards