Adam McCann, Financial Writer
@adam_mcan
The longest 0% APR business credit card offer is 0% for 18 months on purchases and 0% for 18 months on balance transfers with the First Federal Community Bank Visa® Business Credit Card. That’s months longer than the average 0% offer.
Once the introductory periods ends, the regular APR is 16.74% - 25.74% (V).
While personal credit cards sometimes offer introductory 0% APR periods lasting as long as 21 months, there aren’t any business credit cards that currently give a 0% APR for more than 18 months.
Popular Business Credit Cards With Long 0% Intro APRs
These cards were selected from more than 60 business credit card offers with 0% intro APRs, out of the more than 150 business credit cards currently on the market. Our selections were based first upon the length of the cards’ 0% APR periods and then secondly based on their rewards, supplemental benefits, fees and regular APRs. Even the best cards tend to have high regular interest rates, unfortunately.
If you get a business credit card with a 0% introductory APR, you should always strive to pay off the full balance before the introductory period ends. Otherwise, you’ll start accruing interest on any remaining balance, which can dilute the value of any rewards you’re getting and cut into your profits.
You can learn more about the best business credit cards here on WalletHub. You can also check out our editors’ picks for the best 0% APR credit cards for both personal and business use.
People also ask
What are the longest 0% APR credit cards?
The U.S. Bank Shield™ Visa® Card has the longest 0% APR, offering an introductory APR of 0% for 24 months on purchases and qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.49% - 28.49% (V), and it has a $0 annual fee.
Longest 0% Intro APR Credit Card Offers
- U.S. Bank Shield™ Visa® Card: 0% for 24 months
- Wells Fargo Reflect® Card: 0% for 21 months from account opening
- Chase Slate Edge® credit card: 0% for 18 months
- BankAmericard® credit card: 0% for 18 billing cycles
- Fifth Third 1% Cash/Back Card: 0% for 15 months
- Citi Simplicity® Card: 0% for 21 months
- Citi® Diamond Preferred® Card: 0% for 21 months on balance transfers
These cards benefit from $0 annual fees and require good credit or better (a credit score of 700+) for good odds of approval. Most of them don’t offer any kind of rewards, but they’re meant for financing rather than regular spending.
Credit Cards with the Longest 0% APRs Compared
| Card Name | Purchase Intro APR | Transfer Intro APR | Regular APR |
| 0% for 24 months | 0% for 24 months – subject to a balance transfer fee: 5% (min $5) | 17.49% - 28.49% (V) | |
| 0% for 21 months from account opening | 0% for 21 months from account opening on qualifying balance transfers – subject to a balance transfer fee: 5% (min $5) | 16.99%, 23.49%, or 28.74% Variable | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 17.99% - 28.74% (V) | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 5% (min $5) | 16.99% - 27.74% (V) | |
| Fifth Third 1% Cash/Back Card | 0% for 15 months | 0% for 15 months – subject to a balance transfer fee: 4% (min $5) | 18.99% - 29.99% (V) |
| BankAmericard® credit card | 0% for 18 billing cycles | 0% for 18 billing cycles for any balance transfers made in the first 60 days – subject to a balance transfer fee: 3% | 14.99% - 24.99% Variable |
Store Credit Cards With 0% Intro APRs
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. This means there's no interest only if you pay off the item fully by the end of the promotional period. Otherwise, interest will be applied to your entire original purchase amount, as if it had been there from the start. So, you should only consider this type of card if you're sure you'll pay down your full balance before the interest-free period ends.
The JCPenney Credit Card is one example, offering 18 months of deferred interest. But these cards are best avoided, due to the potentially high interest rate. Instead, you should check out...
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Credit Cards That Millionaires Use
- Centurion® Card from American Express
- J.P. Morgan Reserve Credit Card
- Chase Sapphire Reserve®
- Dubai First Royale Mastercard
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