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.… show more… show more
Best 0% APR Business Credit Cards
Overall The Blue Business® Plus Credit Card from American Express
Cash Back American Express Blue Business Cash™ Card
Business Purchases Ink Business Cash® Credit Card
Excellent Credit Discover it® Business Card
Bonus Rewards U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Please note that if you have existing credit card debt, 0% balance transfer business credit cards are listed separately.
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Ink Business Cash® Credit Card Ink Business Cash® Credit Card
- Earn $750 bonus cash back after you spend $7,500 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Cash® Credit Card
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- No Annual Fee
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
- See More Details & Reviews About TheInk Business Unlimited® Credit Card
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express
Rates & Fees | 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.
- 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 American Express, and other factors.
- Terms Apply
- 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
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card
Rates & Fees | Terms Apply
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- Terms Apply
- 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
Capital One Spark Cash Select - 0% Intro APR for 12 Months Capital One Spark Cash Select - 0% Intro APR for 12 Months
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- 0% Intro APR for the first 12 months
- No annual fee
- $0 fraud liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 13.99% - 22.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Citizens Bank Everyday Points® Business Mastercard® Citizens Bank Everyday Points® Business Mastercard®
- 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.
- Convenient tools, such as online account management and consolidated statements to help you control expenses
- Your business rewards credit card includes extras like Cell Phone Protection, MasterRental Car Insurance and the Mastercard Easy Savings program.
- Free employee cards
- See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®
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% intro 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, too: 2 points / $1 on all purchases for the first $50,000 spent per year (1 point / $1 after) and an initial bonus of 15,000 points for spending $3,000 in the first 3 months.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 | Annual Fee | Purchase Intro APR |
| The Blue Business® Plus Credit Card from American Express | Good | $0 | 0% for 12 months |
| American Express Blue Business Cash™ Card | Good | $0 | 0% for 12 months |
| U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® | Good | $0* | 0% for 15 billing cycles |
| Ink Business Cash® Credit Card | Good | $0 | 0% for 12 months |
| HSBC Gold Credit Card | Good | $0 | 0% for 18 months |
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.
Best 0% APR Business Credit Cards FAQs
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 more
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What is the best business credit card for a balance transfer? Reply
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 15 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.
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.
Best Business Credit Cards for Balance Transfers
- 0% APR Period U.S. Bank Business Platinum
- Bonus Rewards U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
- Low APR PNC Visa® Business Credit Card
- No Balance Transfer Fee Edward Jones Business Credit Card
- Flat-Rate Rewards Wells Fargo Business Platinum Credit Card
- Rewards Zions Bank AmaZing Rewards® Business Credit Card
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.
What business credit card has 0% APR for 24 months? Reply
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 15 billing cycles on purchases and 0% for 15 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.
Featured Credit Cards
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?
Associate Professor in the School of Law at Texas A&M University
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Professor Emeritus of Finance in the School of Management at University at Buffalo
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Assistant Professor of Economics in the Stuart School of Business at Illinois Institute of Technology
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Business Analyst at The Pennsylvania State University Small Business Development Center
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Joel C. Peterson Professor of Finance at the Marriott School, Brigham Young University
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Interim Associate Dean, Assistant Professor, Entrepreneurship, Director of Entrepreneurial Programs, School of Business, Meredith College
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