Editor’s note: This is a recurring post with regularly updated card details.
The best 0% annual percentage rate (APR) business credit cards offer interest-free financing on purchases and balance transfers and have zero or low annual fees. When looking for no-interest business credit cards, you need to consider the length of the 0% introductory period and other features and benefits. Introductory and ongoing rewards are plus factors that you may want to take into account.
Here are the best 0% APR business credit cards:
- U.S. Bank Business Platinum Card: Overall best 0% APR business credit card for 18 months and pay over time feature
- U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% APR for 15 months with up to 5% cash back
- American Express Blue Business CashTM: Best for flexible credit limit and 12-month interest-free financing on purchases
- Capital One® Spark® Cash Select Good Credit: Best for 12 months interest-free financing for owners with good credit
- Bank of America® Business Advantage Customized Cash Rewards Mastercard®: Best for earning rewards in your chosen category with 0% APR for nine billing cycles
- PNC points® Visa® Business Credit Card: Best for interest-free financing for nine billing cycles and 5x points on all purchases
- Chase Ink Business Unlimited®: Best for easy unlimited rewards with interest-free financing for 12 months
- BMO Business Platinum Credit Card: Best for 18 months interest-free financing with branches in nine states
- United Community Bank Business Card: Best for 0% APR for 18 billing cycles with branches in six states
Overview of the Best 0% APR Business Credit Cards
If you want to see how a credit card stacks up against others, click Add to Compare on the cards—you can compare up to three credit cards on this page or a card here against other cards on our site.
U.S. Bank Business Platinum Card: Best Overall 0% APR Business Credit Card for 18 Months and Pay Over Time Feature
U.S. Bank Business Platinum Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Extended 0% APR period on purchases and balance transfers
- Overview
- Card Details
- Additional Features
On US Bank's Secure Website
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Read Full Review
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Read Full Review
On US Bank's Secure Website
Who Should Consider the U.S. Bank Business Platinum Card
It is our overall best 0% APR business credit card as it offers a 0% introductory period on both purchases and balance transfers for the first 18 billing cycles. Plus, through the U.S. Bank ExtendPay® Plan, you can pay over time by dividing eligible purchases into equal monthly payments with no interest during your chosen payment period. This is why it is also our best business credit card for balance transfers and is one of our recommended sole proprietorship business credit cards.
Other Benefits:
- Control when, where, and how your employees use their card by setting spend controls by time, place, and/or dollar amount
- Receive protection from unauthorized purchases through zero fraud liability and 24/7 fraud monitoring
- Get $0 annual fees
Important Considerations:
- It charges foreign transaction fees.
- It charges balance transfer fees even during its 0% introductory period.
- U.S. Bank has branches in 28 statesCurrently, U.S. Bank only has physical branches in 28 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming..
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% APR for 15 Months & Up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Overview
- Card Details
- Additional Features
On US Bank's Secure Website
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Read Full Review
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Read Full Review
On US Bank's Secure Website
Who Should Consider the U.S. Bank Triple Cash Rewards World Elite Mastercard®
This is an excellent 0% APR business credit card if you are looking to finance large purchases or make significant transfers and earn rewards. Aside from the card offering a 0% introductory period for both purchases and balance transfers for the first 15 billing cycles, it also lets you earn up to 5% cash back on selected spending categories. Providing a long 0% introductory period and letting you earn rewards are why it is one of our leading business credit cards for consultants, top business credit cards for startups, and best small business credit cards.
Other benefits:
- Earn $500 cash back after spending $4,500 within the first 150 days of account opening.
- Obtain the following cash back rewards
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at gas stations, office supply stores, and mobile phone service providers
- 1% cash back on all other eligible purchases
- Divide eligible purchases into equal monthly payments without interest through U.S. Bank’s ExtendPay® Plan. Note that a fixed monthly fee will be added to your credit card bill.
Important Considerations:
- It does not have a 0% introductory period on cash advances.
- It charges balance transfer fees even during the 0% introductory period.
- U.S. Bank has branches in 28 statesCurrently, U.S. Bank only has physical branches in 28 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.spread across the country.
American Express Blue Business CashTM: Best for Flexible Credit Limit and 12-Month Interest-free Financing on Purchases
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Overview
- Card Details
- Additional Features
on The American Express Blue Business Cash™ Card's secure website.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Read Full Review
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Read Full Review
on The American Express Blue Business Cash™ Card's secure website.
Who Should Consider the American Express Blue Business CashTM
This no interest business credit card is the only one in this guide that allows you to spend beyond your credit limit through the expanded buying power. Also, it offers a 0% introductory period on purchases for the first 12 billing cycles and 2% cash back on the first $50,000 eligible purchases. This is why this card is our top-recommended business credit card for restaurant owners.
Other benefits:
- Receive a $250 statement credit after spending $3,000 in purchases for the first 3 months of card ownership
- Earn 2% cash back on everyday eligible business purchases for the first $50,000 per calendar year; then 1% cash back after the $50,000 cap is met
- Get $0 annual fees
- Receive protection for new purchases—up to 90 days from the Covered Purchase date, $10,000 per occurrence and $50,000 per calendar year
Important Considerations:
- It does not have a 0% introductory period on balance transfers.
- Its 2% cash back is capped at $50,000.
- It does not allow cash advances.
Capital One® Spark® Cash Select Good Credit: Best for 12 Months Interest-free Financing for Owners With Good Credit
card_name
BEST FOR:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
- Overview
- Card Details
- Additional Features
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With high cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Read Full Review
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With high cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Read Full Review
Who Should Consider the Capital One® Spark® Cash Select Good Credit
This is the only 0% APR business credit card on the list that requires business owners to have just good credit standing to take advantage of the 0% introductory period on purchases for the first 12 billing cycles and earn up to 5% cash back rewards. This is why this card is in our roundups of the best credit cards for self-employed and top sole proprietorship business credit cards.
Other benefits:
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 1.5% cash back on all purchases
- Get $0 annual fees
- Choose your preferred monthly due date—having the control to pay when you want
Important Considerations:
Bank of America® Business Advantage Customized Cash Rewards Mastercard®: Best for Earning Rewards in Chosen Category With 0% APR for 9 Billing Cycles
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
- Overview
- Card Details
- Additional Features
on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.
Intro APR
0%
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- 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. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Read Full Review
Intro APR
0%
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- 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. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Read Full Review
on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.
Who Should Consider the Bank of America® Business Advantage Customized Cash Rewards Mastercard®
It is a great 0% APR business credit card as it not only offers a 0% introductory period on purchases for nine billing cycles, but it also lets you earn premium cash back rewards on your chosen spending category. It also does not report to personal credit bureaus—assuring that your business transactions will not affect your personal credit score. This card is on our lists of the top business credit cards that don’t report to personal credit and best small business credit cards.
Other benefits:
- Get $300 online statement credit after spending at least $3,000 in purchases within the first 90 days of account opening
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Get $0 annual fees
Important Considerations:
- It does not offer a 0% introductory period on balance transfers.
- Its 0% introductory period on purchases is shorter compared to other business credit cards on this list.
- It charges foreign transaction fees.
PNC points® Visa® Business Credit Card: Best for Interest-free Financing for 9 Billing Cycles and 5x Points on All Purchases
PNC points® Visa® Business Credit Card
BEST FOR:
Those who need to carry a balance
- Overview
- Card Details
- Additional Features
on PNC points® Visa® Business Credit Card's secure website.
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
18.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dollar spent on business-related purchases
- No annual fees
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
Read Full Review
Intro APR
0% on balance transfers and purchases for the first nine billing cycles after opening an account
Regular APR
18.24% to 27.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.
Pros
- Low ongoing APR
- Unlimited five points for every dollar spent on business-related purchases
- No annual fees
Cons
- Short interest-free financing option on both purchases and balance transfers
- Points expire on the 48th month after the month in which they were posted to your points account
- Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor
- Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
- Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
- Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.
Read Full Review
on PNC points® Visa® Business Credit Card's secure website.
Who Should Consider the PNC points® Visa® Business Credit Card
Aside from letting you earn 5x points per dollar spent on all purchases, this no interest business credit card also offers a 0% introductory period on both purchases and balance transfers for the first nine billing cycles. Note that you have 48 months to redeem your earned points before they expire.
Other benefits:
- Earn 5x points per dollar spent on all purchases, with no limit on the number of points you can earn
- Track your current balance and view pending transactions online
- Set individual spending limits for employee cards
Important Considerations:
- It does not have a sign-up bonus.
- Its points expire 48 months from when they were posted to your account
- PNC Bank has branches in 28 statesThe states that do not have a PNC Bank branch are Alaska, Arkansas, Connecticut, Hawaii, Idaho, Iowa, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, Oregon, Rhode Island, South Dakota, Utah, Vermont, Washington, and Wyoming..
Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards With Interest-free Financing for 12 Months
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Overview
- Card Details
- Additional Features
on Ink Business Unlimited® Credit Card's secure website.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 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
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Read Full Review
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 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
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Read Full Review
on Ink Business Unlimited® Credit Card's secure website.
Who Should Consider the Chase Ink Business Unlimited®
This is the only no interest business credit card on the list that offers a fixed-rate cash back rewards of 1.5% on all purchases, on top of a 0% introductory period on purchases for the first 12 billing cycles. It also lets you create employee cards at no additional cost. This is why it is our best credit card for new businesses with no credit history and is on our list of the leading business credit cards for startups.
Other benefits:
- Receive $900 cash back after spending $6,000 on purchases within the first 3 months after account opening
- Earn 1.5% unlimited cash back on all purchases
- Get $0 annual fees
- Redeem earned cash back rewards as a statement credit applied to your balance or directly to most U.S. checking and savings accounts, travel, gift cards, and pay all or a portion of your Apple purchases
Important Considerations:
- It does not have a 0% introductory period on balance transfers.
- It charges high foreign transaction fees.
BMO Business Platinum Credit Card: Best for 18 Months Interest-free Financing With Branches in Nine States
BMO Business Platinum Credit Card
BEST FOR:
Those with existing BMO checking accounts intending to make large purchases or transfers
- Overview
- Card Details
- Additional Features
on BMO Business Platinum Credit Card's secure website.
Intro APR
0%
Regular APR
16.49% to 25.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 0% introductory APR on purchases for 18 months from date of account openingfootnote
Pros
- Has a 0% introductory period on purchases and balance transfers
Cons
- Does not offer rewards for its new and existing cardholders
- BMO bank is located in only located in the following states: Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
- Extended warranty: Get double the original manufacturer’s―or United States store brand―warranty for up to one year on most new items you buy with your card. Note that these items must have an original manufacturer’s warranty of one year or less.
- Cellphone protection: Get up to $600 in cellphone protection after charging your monthly wireless telephone bill to your card. Note that terms and restrictions apply.
- Discounts on Intuit QuickBooks® and TurboTax®: Enjoy discounts on both Intuit QuickBooks® and TurboTax®, which can help streamline your accounting and simply your taxes. Note that terms and restrictions apply.
Intro APR
0%
Regular APR
16.49% to 25.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 0% introductory APR on purchases for 18 months from date of account openingfootnote
Pros
- Has a 0% introductory period on purchases and balance transfers
Cons
- Does not offer rewards for its new and existing cardholders
- BMO bank is located in only located in the following states: Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
- Extended warranty: Get double the original manufacturer’s―or United States store brand―warranty for up to one year on most new items you buy with your card. Note that these items must have an original manufacturer’s warranty of one year or less.
- Cellphone protection: Get up to $600 in cellphone protection after charging your monthly wireless telephone bill to your card. Note that terms and restrictions apply.
- Discounts on Intuit QuickBooks® and TurboTax®: Enjoy discounts on both Intuit QuickBooks® and TurboTax®, which can help streamline your accounting and simply your taxes. Note that terms and restrictions apply.
on BMO Business Platinum Credit Card's secure website.
Who Should Consider the BMO Business Platinum Credit Card
It is an excellent 0% APR business credit card if you need a long 0% introductory period on both purchases and balance transfers. It also offers instant approval as you can apply online and receive a decision within minutes of applying. While it does not offer rewards, it offers rebates at over 40,000 merchants through the Mastercard Easy Savings® program. For this reason, this card is also one of our preferred business credit cards for balance transfers.
Other benefits:
- Save up to 25% at over 40,000 merchants with Mastercard Easy Savings®
- Receive discounts on Intuit QuickBooks and TurboTax, which can help streamline your accounting and taxes
- Get $600 cell phone protection after charging your monthly wireless telephone bill to your card
Important Considerations:
United Community Bank Business Card: Best for 0% APR for 18 Months With Branches in Six States
United Community Bank Business Card
BEST FOR:
Business owners located in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee who are intending to make large purchases and significant transfers
- Overview
- Card Details
- Additional Features
on United Community Bank Business Card's secure website.
Intro APR
0%
Regular APR
17.24% to 26.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- This business credit card does not offer rewards for its new and existing cardholders
Pros
- Offers a 0% introductory period on purchases and balance transfers
- Charges $0 annual fees
- Able to create employee cards free of charge
Cons
- Does not have rewards for its new and existing cardholders
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Zero fraud liability
- Online reporting tools
- Free employee cards
Intro APR
0%
Regular APR
17.24% to 26.24% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- This business credit card does not offer rewards for its new and existing cardholders
Pros
- Offers a 0% introductory period on purchases and balance transfers
- Charges $0 annual fees
- Able to create employee cards free of charge
Cons
- Does not have rewards for its new and existing cardholders
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Zero fraud liability
- Online reporting tools
- Free employee cards
on United Community Bank Business Card's secure website.
Who Should Consider the United Community Bank Business Card
This is the only regional bank listed in this guide that offers a no interest business credit card with a 0% introductory period on both purchases and balance transfers for the first 18 billing cycles. While it does not offer rewards, it makes up for that with its low minimum regular APR and the ability to issue free employee cards.
Other benefits:
- Get $0 annual fees
- Receive protection from unauthorized purchases through zero fraud liability
- View credit card spending by categories, transaction type, and a defined transaction period (month, quarter, or year) through United Community Bank’s online reporting tools
Important Considerations:
How We Selected the Best 0% APR Business Credit Cards
When choosing the best 0% APR business credit cards, we first considered the length of the 0% APR period and whether balance transfers were included as part of the introductory offer. We also looked at the fees and rewards offered, as well as the cards’ additional features that may be valuable to business owners.
Frequently Asked Questions (FAQs)
Yes, as long as you pay off your balance before the 0% APR period ends. For example, your business credit card offers zero-interest financing on purchases for 12 billing cycles, and you use it to purchase equipment for your business amounting to $50,000. You need to ensure that by the end of the 12th billing cycle, you have fully paid the $50,000. Otherwise, the remaining balance will be charged interest—the rate of which depends on the card’s ongoing APR.
You should use a 0% APR business credit card if you’re planning to make a large purchase because zero-interest financing for a certain period can help you save hundreds of dollars in interest. You can also use it to finance everyday purchases, and you won’t need to pay off your balance each month to avoid interest charges. In addition, no-interest business credit cards are also great if you plan to consolidate your existing debts from other cards—they can help you settle your balance interest-free.
The best 0% APR business credit card for you will depend on your needs. When choosing, consider the length of the 0% APR offer and whether or not you need to use the interest-free period for balance transfers, as most interest-free financing offers do not extend to balance transfers. It’s best to pick a card that comes with no annual fee and a low or average ongoing APR to help you save on your overall costs. Take into account other benefits as well, such as introductory and ongoing rewards, insurance coverage, and reporting tools.
Below are the advantages and disadvantages of getting a business credit card with a 0% APR period.
| Advantages | Disadvantages |
|---|---|
| Helps save money on interest if you are planning to make large purchases or transfer balances | Can charge balance transfer fees despite having a 0% APR period |
| Helps pay your debt faster | Can make you complacent if a 0% introductory period exists |
| Helps improve business credit scores | |
Bottom Line
The best no-interest business credit cards should meet your business’s unique needs. Since 0% offers are temporary, consider making your biggest purchases soon after you’ve received your card so that you can benefit from both the 0% APR and any introductory bonuses. If you plan to use the card for a balance transfer, be sure to read the fine print to determine the balance transfer fee, which typically ranges from 3% to 5% of the amount being transferred.
