Usually, zeros aren’t great for your business, but the exception is when a zero refers to a 0% APR offer on your credit card. Using a 0% APR business credit card can be a great way to manage business expenses and maximize cash flow. A low interest rate makes it easier to finance large purchases or consolidate existing debt without having to pay additional fees.
The best business credit cards with 0% APR offers have long introductory periods, generous rewards programs and low annual fees. Additionally, many of these cards come with perks such as cash-back bonuses that can be used towards spending and travel. We analyzed a broad swath of credit cards in this category, from a variety of issuers, to curate a list of the very best. Here are our selections.
Best 0% APR business credit cards
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®*: Best intro APR business credit card.
- The Blue Business® Plus Credit Card from American Express*: Best for simple rewards.
- Amazon Prime Business American Express Card*: Best for ongoing flexible financing.
- Ink Business Unlimited® Credit Card: Best for a great welcome offer.
All information about The Blue Business® Plus Credit Card from American Express, Amazon Prime Business American Express Card has been collected independently by Blueprint.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 10+ cards considered.
- 5+ data points considered.
- 5-step fact-checking process.
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Ink Business Cash® Credit Card
On Chase Bank USA, NA’s Secure Website
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% – 24.49% Variable
Credit Score
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.
(700 – 749) Good, Excellent
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.
Editor’s Take
Pros
- No annual fee.
- Rich rewards rate in areas where businesses are likely to spend the most.
- Employee cards at no additional cost.
Cons
- There’s a foreign transaction fee.
- Bonus categories are capped at $25,000 in spending each account anniversary year.
- Lackluster rewards outside of bonus categories.
The Ink Business Cash Credit Card earns exceptional cash-back rewards on typical office spending categories and strong rewards in other areas, too. Add in a big welcome bonus, plus travel and purchase coverages and you’ve got a top-notch small business card.
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
Best intro APR business credit card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
* The information for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome Bonus
Earn $500 in cash back after spending $4500 in the first 150 days of opening the account
$500
Annual Fee
$0
Regular APR
19.24% – 28.24% (Variable)
Credit Score
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.
(700 – 749) Good, Excellent
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants and 1% cash back on all other eligible net purchases.
Editor’s Take
Pros
- No annual fee.
- High rewards rate in several areas.
- Low intro APR offer.
Cons
- Just 4 bonus categories.
- There’s a foreign transaction fee.
- Good to excellent credit required.
For those constantly on the go, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® earns simple and generous rewards on driving, dining, cellphone service and office supplies. The card also comes with a helpful low intro APR offer on both purchases and balance transfers.
Card Details
- Annual fee: $0.
- Rewards: 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back at gas stations and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.
- Welcome bonus: $500 cash back after spending $4,500 on purchases in the first 150 days of account opening.
- APR: 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.24% to 28.24% applies. A 3% balance transfer fee with a $5 minimum applies.
- Perks and benefits: $100 credit for recurring software subscription expenses, Cash back can be redeemed in the form of a statement credit or deposit to a U.S. Bank checking, savings or money market account.
Best for typical business spending
Ink Business Cash® Credit Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
On Chase Bank USA, NA’s Secure Website
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% – 24.49% Variable
Credit Score
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.
(700 – 749) Good, Excellent
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.
Editor’s Take
Pros
- No annual fee.
- Rich rewards rate in areas where businesses are likely to spend the most.
- Employee cards at no additional cost.
Cons
- There’s a foreign transaction fee.
- Bonus categories are capped at $25,000 in spending each account anniversary year.
- Lackluster rewards outside of bonus categories.
The Ink Business Cash Credit Card earns exceptional cash-back rewards on typical office spending categories and strong rewards in other areas, too. Add in a big welcome bonus, plus travel and purchase coverages and you’ve got a top-notch small business card.
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
Best for simple rewards
The Blue Business® Plus Credit Card from American Express
* The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome Bonus
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.
Earn 15,000 points
Annual Fee
$0
Regular APR
18.49% – 26.49% Variable
Credit Score
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.
(700 – 749) Good, Excellent
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter.
Editor’s Take
Pros
- No annual fee.
- Simple rewards program.
- Membership Rewards points can be taken as cash back or used to book travel.
Cons
- Elevated rewards rate is capped at $50,000 in annual spending.
- Charges foreign transaction fee.
- Few travel or purchase protections.
The Blue Business® Plus Credit Card from American Express*The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a number of features many businesses will find appealing: a simple rewards rate on everyday business purchases such as office supplies or client dinners, a low introductory APR offer and a suite of expense management tools.
Card Details
- Annual fee: $0.
- Rewards: Earn 2 Membership Rewards points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases.
- Welcome bonus: 15,000 Membership Rewards points after spending $3,000 in eligible purchases in the first three months of card membership.
- APR: 0% intro APR on purchases for the first 12 months, then a variable APR of 18.49% to 26.49% applies.
- Perks and benefits: This card comes with car rental loss and damage insurance, extended warranty and purchase protection policies. It also features extensive expense management tools.
All information about The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.
Best for ongoing flexible financing
Amazon Business Prime American Express Card
* The information for the Amazon Business Prime American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome Bonus
Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
Earn up to $125 back
Annual Fee
$0
Regular APR
19.49% – 27.49% variable
Credit Score
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.
(700 – 749) Good, Excellent
Earn 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership; Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers; Earn 1% Back on all other purchases
Editor’s Take
Pros
- No annual fee.
- No foreign transaction fees.
- Great rewards on Amazon purchases, including Amazon Business purchases.
Cons
- No low introductory APR period.
- Best value requires significant spending within Amazon or Whole Foods Market.
The Amazon Business Prime Amex earns powerful rewards for businesses that can fulfill most of their purchasing needs via Amazon and are willing to pay for an Amazon Business Prime membership. The ability to choose either cash-back back rewards or 90 days to pay interest free on U.S. purchases can be a boon for businesses who occasionally need extra time to pay their bill.
Card Details
- Annual fee: $0.
- Rewards: 5% back in rewards on the first $120,000 spent each calendar year or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.
- Welcome bonus: Earn a $125 Amazon.com gift card upon approval.
- APR: 19.49% to 27.49% variable APR on purchases.
- Foreign transaction fees: None.
- Other perks and benefits: Amazon Business Enhanced Data Views, Amazon Shop with Points, connect your account to QuickBooks, vendor pay with Bill.com, baggage insurance coverage, car rental loss and damage insurance, extended warranty, purchase protection.
All information about Amazon Business Prime American Express Card has been collected independently by Blueprint.
Best for a great welcome offer
Ink Business Unlimited® Credit Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
On Chase Bank USA, NA’s Secure Website
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circ*mstances.
Welcome Bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% – 24.49% Variable
Credit Score
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.
(700 – 749) Good, Excellent
Earn unlimited 1.5% Cash Back rewards on every purchase made for your business.
Editor’s Take
Pros
- No annual fee.
- Introductory purchase APR period.
- Generous welcome bonus.
Cons
- High balance transfer fee.
- Charges foreign transaction fees.
- Few additional benefits.
The Chase Ink Business Unlimited offers a flat rate on every purchase without any caps or restrictions plus a comprehensive collection of benefits. However, other cards offer stronger rewards.
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
Compare the best business cards for 0% APR
Credit Card
Credit score
Best For
Annual Fee
Welcome Bonus
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Good, Excellent (700 – 749)
Best intro APR business credit card
$0
$500 Earn $500 in cash back after spending $4500 in the first 150 days of opening the account
Ink Business Cash® Credit Card
Good, Excellent (700 – 749)
Best for typical business spending
$0
Earn $750 bonus cash back Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
The Blue Business® Plus Credit Card from American Express
Good, Excellent (700 – 749)
Best for simple rewards
$0
Earn 15,000 points 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.
Amazon Business Prime American Express Card
Good, Excellent (700 – 749)
Best for ongoing flexible financing
$0
Earn up to $125 back Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
Ink Business Unlimited® Credit Card
Good, Excellent (700 – 749)
Best for a great welcome offer
$0
Earn $750 bonus cash back Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
All information about Amazon Business Prime American Express Card and The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.
Best 0% APR business credit cards of February 2024
Best intro APR business credit card: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®* The information for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard®*The information for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. tops our list because it’s the only business card we found in our analysis offering an intro APR for over a year. While many other business cards offer a 12-month intro period, this card has a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.24% to 28.24% applies. A 3% balance transfer fee with a $5 minimum applies. It is also the only card extending that intro APR offer to balance transfers, too.
Cardholders also earn generous rewards on travel and business spending. Plus, the card has no annual fee, yet it provides an annual up to $100 software credit.
- Annual fee: $0.
- Intro APR offer: 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.24% to 28.24% applies. A 3% balance transfer fee with a $5 minimum applies.
- Rewards: 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back at gas stations and EV charging stations, office supply stores, cellphone service providers and restaurants and 1% cash back on all other eligible purchases.
- Welcome bonus: $500 cash back after spending $4,500 on purchases in the first 150 days of account opening.
Best for typical business spending: Ink Business Cash® Credit Card
Why this card made the list
Small business owners seeking a low introductory APR period and strong cash-back rewards should look at the Ink Business Cash® Credit Card. It offers rewards across multiple common areas of business spending, making it useful even after the promo period expires. The card earns elevated rewards for spending at office supply stores, gas stations and restaurants, as well as for internet, cable and phone services.
- Annual fee: $0.
- Intro APR offer: 0% intro APR on purchases for 12 months, then a variable APR of 18.49% to 24.49% applies to purchases and balance transfers. There’s a balance transfer fee of either $5 or 5% of each transfer, whichever is greater.
- Rewards: 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, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
- Welcome bonus: $750 cash back after spending $6,000 on purchases in the first three months of account opening.
Best for simple rewards: The Blue Business® Plus Credit Card from American Express* The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
With no annual fee, The Blue Business® Plus Credit Card from American Express*The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is a top-notch choice for small business owners seeking a straightforward rewards card with an intro APR offer. The rewards are simple: 2 Membership Rewards points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases. And, American Express offers nearly two dozen valuable airline and hotel partners that you can transfer your points to. The card also provides access to expanded buying capabilities if you occasionally need to make a bigger-than-usual purchase.
- Annual fee: $0.
- Intro APR offer: 0% intro APR on purchases for the first 12 months, then a variable APR of 18.49% to 26.49% applies.
- Rewards: 2 Membership Rewards points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases.
- Welcome bonus: 15,000 Membership Rewards points after spending $3,000 in eligible purchases in the first three months of card membership.
All information about The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.
Best for ongoing flexible financing: Amazon Business Prime American Express Card* The information for the Amazon Business Prime American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Amazon Business Prime American Express Card*The information for the Amazon Business Prime American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has a unique twist when it comes to rewards and financing offers: 5% back in rewards on the first $120,000 spent each calendar year or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.
The ability to finance purchases at any time offers breathing room to any business seeking flexible repayment terms on their purchases. No other small business card on the market offers ongoing financing in this way.
- Annual fee: $0 annual fee for a Business Duo membership, which requires a personal Amazon Prime account. Otherwise, a Business Prime Essentials membership, which costs $179 annually, is required to apply for the card.
- Intro APR offer: N/A.
- Rewards: 5% back in rewards on the first $120,000 spent each calendar year or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.
- Welcome bonus: $125 Amazon.com gift card upon approval.
All information about Amazon Business Prime American Express Card has been collected independently by Blueprint.
Best for a great welcome offer: Ink Business Unlimited® Credit Card
Why this card made the list
The Ink Business Unlimited® Credit Card offers an introductory APR period plus earns an unlimited 1.5% cash back on purchases. The card has a generous welcome bonus in addition to its low intro APR offer, making it a boon to business owners seeking a card that can benefit their bottom line.
- Annual fee: $0.
- Intro APR: 0% intro APR for 12 months on purchases, then a 18.49% to 24.49% variable APR applies to purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.
- Rewards: 1.5% cash back on purchases.
- Welcome bonus: $750 cash back after spending $6,000 on purchases in the first three months of account opening.
Methodology
Our credit cards team spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each 0% APR business card product. Our analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we evaluated when selecting the top 0% APR business cards included:
- Intro offer length.
- Inclusion of both balance transfer and purchase APR.
- Annual fee.
- Rewards value.
- Card value after the intro APR expires.
Should you get a 0% APR business credit card?
A 0% APR card with an intro period on purchases can be a great option for any business that needs to buy a big-ticket item and pay it off over time.
However, it’s important to read the fine print and understand what the APR will be after the introductory period ends. If you’re still carrying a balance after the intro period, you’ll likely be paying a high interest rate on the remaining balance. A 0% APR offer is best used when you have a solid plan to pay off a balance before the introductory period ends.
Be aware that generally you’ll need a good credit history to be approved for a business card with a 0% APR offer.
Guide to 0% APR business credit cards
A 0% APR offer can be a great way to finance large business expenses without incurring any interest charges. But, it’s important to understand what that 0% APR means. APR stands for “annual percentage rate” and it refers to the interest rate that is charged on any balance that isn’t paid off in full each month.
With a 0% APR, you won’t pay interest on a balance — so you can pay off large purchases over time without accumulating debt. A 0% APR offer typically lasts anywhere from six months to nearly two years on purchases, balance transfers or both. When that introductory period expires, the card’s standard variable APR will apply to any balance that’s left on the card and any future purchases made.
Many of these cards also come with rewards programs or other benefits that make them even more attractive for business owners looking for financing options and can give you a reason to keep your card even after the 0% APR period ends.
Looking for the best credit card for your personal expenses? Our list of the best credit cards is a great place to start.
When considering a 0% APR business credit card, consider the following card attributes:
- Any annual fees. You should be able to find multiple 0% APR business credit cards without an annual price tag.
- A 0% APR on purchases, balance transfers or both. Consider which type of 0% APR offer you want. If you’re looking for a longer runway to pay down some existing debt from another card, a balance transfer offer can help. But if you’re looking for extra time to pay off a big buy, choose a card with a 0% APR offer on purchases. Some cards have 0% APR offers on both, but you should have a primary goal in mind.
- The length of the 0% APR period. When deciding on a card, you’ll want to pick one with a 0% APR period offering enough time to pay off all or at least most of your balance.
- The cost of the balance transfer fee. If you’re trying to decide between business cards with similar 0% APR balance transfer intro periods, calculate the cost of the balance transfer fee. Every dollar you pay to transfer a balance diminishes the value of your savings on interest.
- Useful benefits beyond the introductory APR period. That 0% APR won’t last forever so it makes sense to consider any useful attributes like rewards, cell phone protection, bookkeeping software or travel insurances that make this card worth owning long term.
If you’re looking for a 0% APR offer on a personal card, we’ve got you covered. Here’s our list of the best 0% APR credit cards.
Pros and cons of 0% APR business credit cards
Like any financial product, it’s helpful to consider the pros and cons of 0% APR business credit cards.
Pros
- The 0% period: A 0% APR offer lets you save money on interest payments during the promotional period, helping you put more toward paying down a big purchase or knocking out existing debt as quickly as possible.
- Debt consolidation: If you carry a balance on multiple accounts, transferring them all to a business credit card with a balance transfer offer can simplify your payments.
- No annual fees: All of the best 0% APR business credit cards on our list lack annual fees, so it won’t add a carrying cost to your budget.
- Many earn rewards: Some of the best 0% APR business cards offer rewards on your spending — a valuable perk on any card, not just ones with a 0% APR offer.
Cons
- Good credit required: You typically need good to excellent credit to qualify for a business credit card with a 0% APR offer.
- The 0% APR isn’t forever: The introductory APR will only last for a limited time. Once the promotional period ends, any balance remaining will be subject to your balance transfer card’s ongoing APR.
- You still have to make minimum payments: That zero doesn’t mean you get to pay zero. You’ll still have to make at least the minimum monthly payments on any balances. And realistically, you should plan to pay more than the minimum in order to pay off the entire amount you owe within the promotional period.
- You may not get the credit limit you want: If your hope is to make a purchase or balance transfer for a sizable amount, keep in mind that there’s no guarantee you’ll get approved for the credit limit you want on a new card.
- Balance transfers come with fees: Most cards charge a balance transfer fee between 3% to 5% of each amount you transfer to your new card. That means if you transfer $10,000 to an account with a 5% balance transfer fee, $500 will be added to the amount transferred.
Frequently Asked Questions (FAQs)
A 0% purchase APR is good for small businesses that need flexibility to repay their debts. Some credit cards offer up to 15 months of 0% APR on purchases and balance transfers. This can be a great opportunity for cardholders to pay off debt without accruing high amounts of interest.
You don’t necessarily need to have a business credit history to qualify for a business credit card. Most issuers will ask you to personally guarantee the debt on a small business credit card. Some issuers will check your personal credit score to determine your creditworthiness for your business card application.
At the time of writing, there is not a small business credit card on the market offering no interest for 24 months. The longest zero-interest period is offered by the U.S. Bank Business Triple Cash Rewards World Elite Mastercard, which offers 0% intro APR on purchases and balance transfers for 15 billing cycles, then a variable APR of 19.24% to 28.24% applies. A 3% balance transfer fee with a $5 minimum applies.
*The information for the Amazon Business Prime American Express Card, The Blue Business® Plus Credit Card from American Express and U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Blueprint.The card details on this page have not been reviewed or provided by the card issuer.
