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Our pick for
Best overall 0% APR business card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
5.0
NerdWallet rating
on US Bank's website
Annual fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases and balance transfers
Regular APR
19.24%-28.24% Variable APR
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® 15
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
NerdWallet rating
★5.0/5
Read review
on US Bank's website
Annual fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases and balance transfers
Regular APR
19.24%-28.24% Variable APR
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® 15
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Read full review
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Our pick for
Sign-up bonus
Ink Business Unlimited® Credit Card
5.0
NerdWallet rating
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
The Ink Business Unlimited® Credit Card Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Ink Business Unlimited® Credit Card
NerdWallet rating
★5.0/5
Read review
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
The Ink Business Unlimited® Credit Card Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Read full review
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Up to 2% cash back
The American Express Blue Business Cash™ Card
4.9
NerdWallet rating
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
NerdWallet rating
★4.9/5
Read review
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
The American Express Blue Business Cash™ Card
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Read full review
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember,the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Our pick for
AmEx rewards points
The Blue Business® Plus Credit Card from American Express
4.6
NerdWallet rating
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
The Blue Business® Plus Credit Card from American Express The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
NerdWallet rating
★4.6/5
Read review
on American Express' website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
The Blue Business® Plus Credit Card from American Express The American Express Blue Business Cash™ Card
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Read full review
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Our pick for
Up to 5% cash back
Ink Business Cash® Credit Card
5.0
NerdWallet rating
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
The Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
NerdWallet rating
★5.0/5
Read review
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% Variable APR
The Ink Business Cash® Credit Card
Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
Read full review
- 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
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Unlimited 1.5% cash back
Capital One Spark Cash Select for Good Credit
4.0
NerdWallet rating
on Capital One's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
21.24%-29.24% Variable APR
In addition to its 0% intro APR period, the Capital One Spark Cash Select for Good Credit 1.5
Capital One Spark Cash Select for Good Credit
NerdWallet rating
★4.0/5
Read review
on Capital One's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
21.24%-29.24% Variable APR
In addition to its 0% intro APR period, the Capital One Spark Cash Select for Good Credit 1.5
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus offer
Read full review
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
Our pick for
Up to 2.62% cash back on everything
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
4.7
NerdWallet rating
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
This card comes with a 0% APR intro period, plus an extra-high cash-back rewards rate for cardholders who also bank with Bank of America.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
NerdWallet rating
★4.7/5
Read review
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
This card comes with a 0% APR intro period, plus an extra-high cash-back rewards rate for cardholders who also bank with Bank of America.
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Read full review
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Travel rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
3.8
NerdWallet rating
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
This card's 0% APR intro period and solid sign-up bonus make it a contender for business owners seeking ongoing travel rewards.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
NerdWallet rating
★3.8/5
Read review
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
This card's 0% APR intro period and solid sign-up bonus make it a contender for business owners seeking ongoing travel rewards.
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Read full review
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
NerdWallet's editorial picks: Best 0% APR business credit cards
Our picks are ordered by the length of the intro APR period. Before applying, confirm details on the issuer’s website.
U.S. Bank Business Platinum Card
Best for: Balance transfers
NerdWallet star rating: 2.2
Intro APR offer: 0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR
Among 0% intro APR options, U.S. Bank business credit cards stand out. The offer on the U.S. Bank Business Platinum Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Overall 0% APR business card
NerdWallet star rating: 5
Intro APR offer: 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Ink Business Unlimited® Credit Card
Best for: Sign-up bonus
NerdWallet star rating: 5
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
The Ink Business Unlimited® Credit Card 1.5% Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Wells Fargo Signify Business Cash℠ Card
Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating: 5
Intro APR offer: 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 18.49% – 26.49%.
If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card is hard to beat —it's the only business credit card on our list to offer unlimited 2% cash back on all purchases with no annual fee. On top of that, you'll get a welcome offer and 12 months of an intro APR.
The American Express Blue Business Cash™ Card
Best for: Up to 2% cash back
NerdWallet star rating: 4.9
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
The American Express Blue Business Cash™ Card Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.
The Blue Business® Plus Credit Card from American Express
Best for: AmEx rewards points
NerdWallet star rating: 4.9
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
The Blue Business® Plus Credit Card from American Express The American Express Blue Business Cash™ Card Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms Apply.
Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating: 5
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% Variable APR
The Ink Business Cash® Credit Card Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn 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.
Capital One Spark Cash Select for Good Credit
Best for: Unlimited 1.5% cash back
NerdWallet star rating: 4
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 21.24%-29.24% Variable APR
The Capital One Spark Cash Select for Good Credit Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for: Up to 2.62% cash back on everything
NerdWallet star rating: 4.7
Intro APR offer: 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% Variable APR
If your spending doesn't align with typical bonus categories, consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card 1.5%
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: Travel rewards
NerdWallet star rating: 3.8
Intro APR offer: 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% Variable APR
This is the business version of the issuer's excellent no-annual-fee travel card. The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
What is a 0% APR business credit card?
With a 0% APR business credit card, you’ll pay no interest on a specified number of months or billing cycles. Depending on the card, that could be nine, 12 or even 15 months. During that time, you won’t be charged interest even if you don’t pay off the card in full every month.
You must still make a monthly payment, though. Failing to do so could let the issuer not only terminate your interest-free period early, but also charge you a higher penalty APR. No matter when or how your intro period ends, interest will accrue on whatever balance remains — plus on any charges you carry going forward.
Can your business use a 0% APR personal credit card?
There's no rule against using personal credit cards for business expenses. And a personal credit card may offer you a longer 0% APR window than a business card can. But you'll want to be cautious if you go this route.
Personal cards can be an option for sole proprietors, as long as you don't mix business and personal expenses on it. You'll also want to pay attention to your credit score if you plan to finance a major business purchase that will potentially crunch your debt-to-income ratio. Incorporated businesses — LLCs, LLPs and corporations — should avoid using a card in their personal name for business expenses altogether, as it could jeopardize their limited liability protections.
If a consumer credit cards with 0% APR makes sense for your business, here are a few to consider:
Wells Fargo Reflect® Card:
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.24%, 24.74%, or 29.99% Variable APR
BankAmericard® credit card:
0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply
U.S. Bank Visa® Platinum Card:
0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% Variable APR
Chase Freedom Unlimited®:
0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR
Who should use a 0% APR business credit card?
Almost any entrepreneur can benefit from a 0% APR business credit card. It's essentially an interest-free loan — at least for a little while. But these cards can be especially beneficial in the following instances:
You're starting a new business. A 0% APR business card can be a good business credit card for startups. You can use these cards to finance business expenses while you’re building cash flow.
You need to finance large purchases, but don’t qualify for small-business loans. Business loans charge interest from the start. So even if you can qualify for one, using a credit card with a 0% APR intro offer and paying it off quickly may be a cheaper form of financing.
You already have business credit card debt. A balance transfer business credit card may allow you to move your balance to a card with a lower interest rate, though 0% APR business cards that allow you to transfer a balance and not accrue interest are somewhat rare.
You have a pay-off plan. You have to pay the ongoing APR on any outstanding balance after an intro APR period ends — and those interest rates tend to be high. If you might take months or even years beyond an intro APR period to pay off your debt, using a credit card may be very expensive in the long run.
Can you qualify for a 0% APR business credit card?
In general, you’ll need good or excellent personal credit to qualify for most business credit cards. That’s especially true for those with a 0% intro APR.
Business credit card issuers generally perform a hard credit check when reviewing your application, which can temporarily affect your personal credit score. Review each card issuer’s guidelines and focus your search on cards you’re likely to qualify for.
Also, know that business credit cards require personal guarantees, which means you’ll be on the hook for any debt your business can’t pay. That’s especially important to keep in mind if you plan to use an interest-free period to finance big-ticket items.
To view rates and fees of Capital One Spark Cash Select for Good Credit
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
