0% APR Business Credit Cards
WalletHub makes it easy to find the best 0% APR business credit card for you.
Business credit cards with 0% APRs are not as common as general-consumer 0% credit cards, but there are still some excellent offers available (some cards are from WalletHub partners). With a 0% APR business credit card, you can avoid interest on new purchases for the first 6-15 months your account is open. Some 0% business credit cards also have $0 annual fees as well as cash back, points or miles to reward you for every dollar spent.
To help you get the right card for your company’s needs, WalletHub’s editors compared all of the business credit cards with 0% APRs in our database of 1,000+ credit card offers, along with the rest of the best 0% offers overall. You can check out WalletHub’s picks for the top 0% credit cards for business below.
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To help you get the right card for your company’s needs, WalletHub’s editors compared all of the business credit cards with 0% APRs in our database of 1,000+ credit card offers, along with the rest of the best 0% offers overall. You can check out WalletHub’s picks for the top 0% credit cards for business below.
Best 0% APR Business Credit Cards of 2020:
- U.S. Bank Business Cash Rewards World Elite™ Mastercard® - 0% APR & Bonus Rewards
- The Blue Business® Plus Credit Card from American Express - 0% APR for Business Overall
- Discover it® Business Card - Business Owners with Excellent Credit
- American Express Blue Business Cash™ Card - 0% APR & Cash Back
- Ink Business Cash℠ Credit Card - 0% APR for Business Purchases
- BBVA Compass Business Rewards Credit Card - Balance Transfers … show more
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Showing 1 – 7 of 7
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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N/A
Regular APR
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13.24% - 19.24% (V)
Rewards Details
- 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.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *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.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
N/A
Regular APR
→
13.24% - 19.24% (V)
Rewards Details
- 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.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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N/A
Regular APR
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11.24% - 21.24% (V)
Annual Fee
$0
Rewards Rate
2 points / $1
Minimum Credit
Excellent Credit
Rewards Details
- Earn 25,000 bonus points when you spend $5,000 on purchases within the first 90 days.
- Earn 2 points for every $1 you spend.
- Redeem points for valuable rewards like cash back, travel, merchandise, gift cards and much more.
Additional Info
- Convenient tools, such as online account management and consolidated statements to help you control expenses
- Benefits like accessCard Command®, Mastercard Easy Savings Program, Travel Assistance and MasterRental® Insurance
- Free employee cards
- See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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N/A
Regular APR
→
13.24% - 19.24% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Good Credit
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
Additional Info
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash℠ Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
→
N/A
Regular APR
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13.24% - 19.24% (V)
Annual Fee
$0
Rewards Rate
1.5% Cash Back
Minimum Credit
Good Credit
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
Additional Info
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Unlimited℠ Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 3% (min $10)
Regular APR
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11.99% - 21.99% (V)
Annual Fee
$0
Rewards Rate
5 - 10 points / $1
Minimum Credit
Excellent Credit
Rewards Details
- 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days.
- Earn 10 points per $1 in combined purchases on gas, restaurants, travel and telecommunications.
- Earn 5 rewards points for every $1 in eligible purchases
- Redeem points for cash back, gift cards, travel, electronics, merchandise and charity donations.
Additional Info
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Purchase Assurance on qualifying purchases.
- Lost/Stolen reporting available 24/7.
- Car Rental Insurance.
- See More Details & Reviews About TheKeyBank Business Rewards Credit Card
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
→
N/A
Regular APR
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8.24% - 19.24% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Excellent Credit
Additional Info
- Separate business and personal expenses
- MasterRental® Insurance
- Mastercard Easy Savings® Program. Program gives you rebates of up to 10% from participating merchants.
- See More Details & Reviews About TheCitizens Bank Business Platinum Mastercard® Credit Card
NO FOREIGN FEE
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WalletHub's Best 0% APR Business Credit Cards
The best 0% APR business credit card is the The Blue Business® Plus Credit Card from American Express. It offers a 0% APR on purchases for the first 12 months. The Blue Business Plus Amex Card also has a $0 annual fee. Its regular APR is 13.24% - 19.24% (V), depending on creditworthiness. Unlike many interest-free credit cards, the Blue Business Plus Amex gives rewards on purchases, too: 1 - 2 points / $1.Nevertheless, it’s important to consider both business and personal offers when looking for a 0% credit card for business purposes. After all, business credit cards are known for their corporate rewards and expense-tracking tools, while personal cards tend to have the longest 0% introductory periods on the market and are not subject to random interest rate increases. Besides, using a personal credit card won’t increase your personal liability.
Our editors therefore considered all of the 0% credit cards in our database in search of the offers with the longest intro terms and the lowest fees: the most important parts of a 0% deal. You can find their favorite 0% APR credit cards for business listed below.
Best 0% APR Business Credit Cards Compared
| Credit Card | Credit Required | Purchase Intro APR | Annual Fee |
| The Blue Business® Plus Credit Card from American Express | Good | 0% for 12 months | $0 |
| American Express Blue Business Cash™ Card | Good | 0% for 12 months | $0 |
| U.S. Bank Business Cash Rewards World Elite™ Mastercard® | Excellent | 0% for 15 months | $0 |
| Ink Business Cash℠ Credit Card | Good | 0% for 12 months | $0 |
| HSBC Gold Mastercard® Credit Card | Good | 0% for 18 months | $0 |
| BBVA Compass Business Rewards Credit Card | Excellent | 0% for 9 months | $0 |
Remember, it’s your personal credit standing – not that of your business – that really matters when applying for any credit card. With that in mind, you can check your credit score for free on WalletHub to see which cards you’re likely to get approved for.
Questions & Answers
Comparing 0% business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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Ask the Experts
- Is it wise to use a 0% business credit card, considering the lack of user protections afforded business cards?
- Is there any reason not to use a 0% consumer credit card for small business financing?
- What types of business expenses is a 0% business credit card good for?
- Is it difficult for a small business owner to get approved for a decent 0% credit card?
- Why doesn't the SBA play a role in small business credit-card funding?
- What are some of the biggest pitfalls to avoid when it comes to using a 0% business credit card?
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Lewis Mandell
Professor Emeritus of Finance in the School of Management at University at Buffalo
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Neil L. Sobol
Associate Professor in the School of Law at Texas A&M University
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Priyanka Sharma
Assistant Professor of Economics in the Stuart School of Business at Illinois Institute of Technology
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Michael Ryan
Business Analyst at The Pennsylvania State University Small Business Development Center
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Jim Brau
Joel C. Peterson Professor of Finance at the Marriott School, Brigham Young University
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Nathan Woolard
Interim Associate Dean, Assistant Professor, Entrepreneurship, Director of Entrepreneurial Programs, School of Business, Meredith College
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