Featured Partner Offer
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Editorial Review
Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.
Pros & Cons
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- Not a good card for balance transfers
Card Details
- 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
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Credit Cards
Best 0% APR Business Credit Card for Earning Flexible Rewards
The Blue Business® Plus Credit Card from American Express
On American Express's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Welcome Bonus
Earn 15,000 points
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
The Blue Business Plus card is a rare example of a no-annual-fee way to game your rewards earnings. You’ll earn 2X points on all purchases up to $50,000 per year. It’s a perfect fit if your business is small enough to spend less than $50,000 per year. If not, spend up to the $50,000 max, then switch to another card for the rest of the year’s purchases. You’ll win either way.
Pros & Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
- There’s a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
Card Details
- 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
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Credit Card for Earning Cash Back
The American Express Blue Business Cash™ Card
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2% Reward Rate
Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back onRead More
Welcome Bonus
Earn $250
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
Considering there’s no annual fee, the American Express Blue Business Cash™ Card pays off for business owners who spend $50k or less per year. Just don’t use the card overseas, as the foreign transaction fee eclipses the cashback rewards.
Pros & Cons
- No annual fee
- Introductory APR on purchases
- Great extra benefits like purchase protection and car rental insurance
- Business-oriented benefits like employee cards and authorized manager accounts
- Highest-earning cash-back reward capped after $50,000 in annual spending
- High foreign transaction fees
- No low introductory APR for balance transfers
Card Details
- 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
Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Card for Preferred Rewards Members
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America Small Business New Account's Website
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3% Cash Back
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cashRead More
Welcome Bonus
$300
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent Credit(750 - 850)
Why We Picked It
For business owners who max out the 50k annual spending on the bonus categories, the rewards are substantial for a no-annual-fee card. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The foreign transaction fee means it’s best to keep this card at home when traveling overseas.
Pros & Cons
- Introductory APR offer on purchases
- 3% cashback rate on the spending category of your choice
- Preferred Rewards for Business members earn a 25-75% bonus
- Foreign transaction fee
- 2% and 3% bonus categories have a combined annual spending cap of $50,000
- No intro APR offer for balance transfers
Card Details
- 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.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Card for Included Travel and Consumer Benefits
Ink Business Cash® Credit Card
On Chase Bank USA, NA's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
Offers enticing cash rewards for those with significant business-related spending, with an added bonus of 0% introductory APR on purchases for the first 12 months of opening your account.
Pros & Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
- Very high fee for cash advances & balance transfers
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card Details
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Card for Flat-Rate Rewards and Included Benefits
Ink Business Unlimited® Credit Card
On Chase Bank USA, NA's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
1.5% Reward Rate
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business
Welcome Bonus
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
Busy business owners will appreciate this card’s simple flat-rate rewards program which doesn’t require time to manage and optimize.
Pros & Cons
- Unlimited 1.5% cash back rewards on purchases
- No annual fee
- Generous welcome bonus
- 0% Intro APR on purchases for 12 months
- Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options
- High foreign transaction fees
- Not a good card for balance transfers
Card Details
- 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
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Card With Unique Benefits
State Farm Business Cash Rewards Visa Signature® Card *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back on insurance premium payments, up to $4,000 spent annually; 3% cash back at gas stations, cellRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24% - 28.24% variable
Credit Score
Excellent/Good(700 - 749)
Why We Picked It
Earn rewards on insurance premiums (up to $4,000 each year) and uncapped 3% cash back in popular business categories like gas, dining and office supply stores. This no annual fee card also comes with cellphone and purchase protection benefits.
Pros & Cons
- No annual fee
- 3% cash back earned in a variety of categories
- Auto deductible reimbursem*nt up to $200
- No welcome offer
- Limited redemption options
Card Details
- Earn 3% cash back on insurance premium payments, up to $4,000 annually
- Earn 3% cash backat gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases
- Earn 1% cash back on all other eligible purchases
- $100annual software subscription credit
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Card for GM Car Owners
GM Business™ Mastercard® *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% in earnings on eligible GM dealership parts, accessories or service purchases; 3% in earnings on purchases at gasRead More
Welcome Bonus
$750 Rewards
Annual Fee
$0
Regular APR
19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
Credit Score
Good, Excellent
Pros & Cons
- $0 annual fee
- 0% intro APR on purchases for the first 12 months, followed by a 19.24% to 29.24% variable APR on purchases
- $750 in rewards to redeem with GM towards the purchase or lease of eligible, new GM vehicles after spending $5,000 on purchases in the first 5 months from account opening
- Limited redemption options
- No 0% intro APR offer on balance transfers
- Lack of ongoing card benefits
Card Details
- Earn $750 in rewards to redeem at GM after spending $5,000 in purchases in the first 5 months of account opening
- Earn 5% rewards on purchases of eligible GM parts, accessories and service at authorized GM dealers
- Earn 3% on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
- No annual fee, no foreign transaction fees or cash advance fees
Earn $750 in rewards to redeem at GM after spending $5,000 in purchases in the first 5 months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% APR Business Credit Card With High Limit Travel Accident Insurance
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
On Bank of America Small Business New Account's Website
3.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3 Points Per $1
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. PointsRead More
Welcome Bonus
30,000 points
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent(750 - 850)
Why We Picked It
With both an introductory APR offer and solid earnings, the Business Advantage Travel Rewards World Mastercard® credit card is a viable choice for growing small businesses. If you’re in the Bank of America ecosystem, the enhanced earnings could become best in class.
Pros & Cons
- $0 annual fee
- No foreign transaction fees
- 3 points per dollar spent on car, hotel or airline travel booked through the Bank of America® Travel Center and 1.5 points per dollar spent on all other purchases
- Benefits are travel-related only
- Introductory APR period is relatively short
Card Details
- 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.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
