There are currently no business credit cards that have 0% APR for 24 months.
One of the best offers is U.S. Bank Business Platinum that comes with an intro APR of 0% for 18 billing cycles on purchases and 0% for 18 billing cycles on balance transfers. This card has a 3% (min $5) balance transfer fee and its regular APR is 11.99% - 20.99% (V).
There are several good 0% APR business credit cards, though, so you might want to check out our editor’s latest picks for the best among them and see which one better suits your needs.
The best business credit card for balance transfers is the U.S. Bank Business Platinum card, because it has a balance transfer APR of 0% for 18 billing cycles and a $0 annual fee. But there is a 3% (min $5) balance transfer fee.
There aren’t many business credit card balance transfer offers with 0% interest rates to choose from. But you could also use a personal credit card for a business balance transfer. Just make sure to only put business expenses on the card, or else your bookkeeping will get tricky.… read full answer
The best personal card for this purpose is the U.S. Bank Visa® Platinum Card because it offers an introductory APR of 0% for 20 billing cycles on balance transfers, with a 3% (min $5) balance transfer fee and a $0* annual fee.
A business credit card balance transfer allows you to move business debt from one loan or credit card to another credit card. Good balance transfer cards offer an introductory interest rate lower than the regular APR, sometimes as low as 0%. You’ll pay interest at the regular APR on any balance remaining after an introductory APR expires.
Keep in mind that in most cases, you’ll be charged a 3%-5% transfer fee on each balance transferred. There are cards that do not charge a transfer fee, but they tend not to offer an introductory balance transfer APR.
A long period of 0% interest can be really helpful if you need to make a big purchase but can’t pay it all off right away. You can avoid interest entirely if you pay in full by the time the intro rate ends. And if you can’t manage that, you’ll at least have a smaller balance when interest kicks in.
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. That is, you earn interest on your balance during the 0% period but don’t have to pay that interest if and only if you bring your balance to $0 before the 0% period ends. The JCPenney Credit Card is one example, offering up to 60 months of deferred interest. But those cards are best avoided because there’s a chance you’ll get blindsided by interest charges. So, they’re not really eligible to be in the running for longest 0% APR.
Here are the longest 0% APR credit cards:
Citi Simplicity® Card: 0% for 21 months on balance transfers and 0% for 12 months on purchases. 5% (min $5) transfer fee. $0 annual fee and no late fees. Requires good credit.
U.S. Bank Visa® Platinum Card: 0% for 20 billing cycles on purchases and 0% for 20 billing cycles on balance transfers. 3% (min $5) balance transfer fee. $0* annual fee. Requires with good credit.
Wells Fargo Platinum card: 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. 3% intro for 120 days, then up to 5% (min $5) balance transfer fee. $0 annual fee. Requires good credit.
HSBC Gold Credit Card: 0% for 18 months on purchases and 0% for 18 months on balance transfers. 4% (min $10) balance transfer fee. $0 annual fee. Requires good credit.
None of these cards offer rewards, but they’re meant for financing rather than regular spending. And you can use a different card for purchases you’ll pay in full each month. All of these cards also require good or excellent credit.
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