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WalletHub Best 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 can help you avoid interest on new purchases for the first 6-20 months your account is open. Some 0% business credit cards also have $0 annual fees and reward users with cash back, points or miles for every dollar spent.... show more... show more
Best 0% APR Business Credit Cards of 2023
- Winner: U.S. Bank Business Platinum CardU.S. Bank Business Platinum CardLearn MoreLearn More
- Excellent Credit: Comerica Bank Mastercard® Business Credit CardComerica Bank Mastercard® Business Credit CardLearn MoreLearn More
- Good Credit: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®U.S. Bank Business Triple Cash Rewards World Elite Mastercard®Learn MoreLearn More
- Bonus Rewards: Ink Business Cash® Credit CardInk Business Cash® Credit CardLearn MoreLearn Moreon issuer's website
Please note that if you have existing credit card debt, 0% balance transfer business credit cards are listed separately.
0% BUSINESS CREDIT CARDS
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- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $750 initial rewards bonus
- No balance transfers allowed
- High regular APR
- Requires good/excellent credit
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 17.99% - 23.99% (V) regular APR
- 3% foreign transaction fee
- No membership fees
- Low intro APR on purchases
- High rewards rate
- $250 statement credit welcome offer
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- No annual fee
- Intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- No annual fee
- Intro APR on purchases
- High rewards rate
- 30,000 points initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Requires excellent credit
- No annual fee
- Intro APR on purchases
- $300 initial rewards bonus
- No rewards
- No initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- No annual fee
- Intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
Best 0% APR Business Credit Cards in 2023
U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum Card is one of the best 0% intro APR credit cards for business because it offers 0% for 18 billing cycles and has a $0 annual fee. The card’s regular APR is 16.99% to 25.99% (V), depending on creditworthiness, and you will need good credit for approval.
Comerica Bank Mastercard® Business Credit Card
The best 0% APR business credit card is Comerica Bank Mastercard® Business Credit Card because it offers a 0% intro APR on purchases and balance transfers for the first 18 months, along with a $55 annual fee. The card’s regular APR is 15.24% - 19.24% (V), depending on creditworthiness, and there is a balance transfer fee of 3% (min $5).
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The best 0% business credit card for good credit is the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® because it offers intro APRs of 0% for 15 billing cycles on both new purchases and balance transfers, in addition to a $0 annual fee and great rewards. Cardholders earn 1 - 5% cash back on purchases normally, and there’s an initial bonus of $500 cash back for spending $4,500 in the first 150 days.
U.S. Bank Business Triple Cash has a regular APR of 18.99% to 27.99% (V), depending on creditworthiness, and a balance transfer fee of 3% (min $5).
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is one of the best 0% intro APR credit cards for business owners who want to earn bonus rewards while avoiding interest on purchases. The card offers an introductory APR of 0% for 12 months, as well as an initial bonus of $750 for spending $6,000 in the first 3 months. Cardholders also earn 1 - 5% cash back on purchases.
This card has a regular APR of 17.99% to 23.99% (V), based on creditworthiness. You will need good credit or better to get approved.
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.
Now that you’re familiar with the top options, you may want to give them another look. For your convenience, we’ve compared the best 0% APR credit cards for business below.
Best 0% APR Business Credit Cards Comparison
| Credit Card | Best For | Annual Fee |
| U.S. Bank Business Platinum Card | Winner | $0 |
| Comerica Bank Mastercard® Business Credit Card | Excellent Credit | $0 |
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Good Credit | $0 |
| Ink Business Cash® Credit Card | Bonus Rewards | $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.
On that note, 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.
Methodology for Selecting the Best 0% APR Business Credit Cards
To identify the best 0% APR credit cards for business, WalletHub’s editors compared all of the business credit cards with 0% APRs in our database of 1,500+ credit card offers, along with the rest of the best 0% offers overall. We then calculated the total cost of paying off big-ticket purchases with each card over the course of 24 months. This enabled us to select the cards capable of providing the most savings on business financing. Finally, rewards, approval requirements and other features were considered as tiebreakers.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best 0% APR Business Credit Cards FAQ
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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Can you get 0% APR on a credit card? Reply
Yes, there are hundreds of credit cards offering a 0% introductory APR on purchases, balance transfers or both for a certain period of time, usually 6 to 24 months. These 0% introductory interest rates are usually reserved for new applicants with good credit or better.
Credit card issuers will sometimes extend 0% APR offers to long-time cardholders through a targeted offer. Without a special offer, you’ll have to apply for a new credit card if you want 0% financing. Luckily, there are many competitive offers on the market.
Best 0% APR Credit Cards
- Rates & FeesLongest 0% Period: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- No Balance Transfer Fee: Union Bank® Platinum™ Credit CardUnion Bank® Platinum™ Credit CardLearn MoreLearn More
- Rates & FeesRewards: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Students: BankAmericard® credit card for StudentsBankAmericard® credit card for StudentsLearn MoreLearn Moreon issuer's website
- U.S. Bank: U.S. Bank Visa® Platinum CardU.S. Bank Visa® Platinum CardLearn MoreLearn More
- Citibank: Citi® Diamond Preferred® CardCiti® Diamond Preferred® CardLearn MoreLearn Moreon issuer's website
Tips for Getting 0% APR on Credit Cards
- Check your credit score. Credit cards with 0% APR offers generally require good credit or better for approval. If you’re not sure where you stand, you can easily check your latest credit score for free on WalletHub.
- Decide how you want to use your 0% credit card. If you’re planning a big-ticket purchase, look for a credit card with a long 0% introductory period on purchases. If you have a lot of existing debt, get a credit card with a 0% offer on balance transfers.
- Research and compare 0% credit card offers. Your credit score takes a hit each time you apply for a new card. Before you fill out a credit card application, make sure you research the best 0% APR offer you qualify for. You can easily compare the latest 0% APR credit card offers on WalletHub.
- Check if your current credit card is offering a 0% APR promotion. Keep an eye on your online account, as issuers sometimes send special offers. You can also call your credit card company and inquire about any active 0% APR promotions. There are some forum testimonies of cardholders who asked for and received 0% APR promotions, though this method doesn’t always work. Success depends in large part on your history with the issuer, but it never hurts to ask.
- Aim for a retention offer. If you call customer service and say you’re considering closing your account, they may offer a 0% APR period or a similar incentive, in the interest of keeping the account open. However, this is not guaranteed to work and may result in your credit card being canceled right away. So don’t attempt this unless you are willing to risk closing your account.
What are the longest 0% APR credit cards? Reply
The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for 21 months from account opening and 0% for 21 months from account opening on qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.99% - 29.99% Variable.
Given its $0 annual fee, the Wells Fargo Reflect card makes for a great option both for financing larger purchases and transferring pre-existing debt. There are several other options with long 0% intro APRs that are worth taking into consideration.
Here are the longest...
What's the Costco Business Credit Card 0% APR offer? Reply
The Costco Business Credit Card does not have a 0% APR introductory offer for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, then the Costco Business Credit Card might not be a good option for you.
If you’re looking for a 0% APR business card, you can check out our selection for best 0% APR business credit cards.
Just keep in mind that many cards with a 0% APR...
Does United Business Credit Card have a 0% APR intro period for new purchases? Reply
No, the United Business Credit Card does not have a 0% APR intro period for new purchases. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the United Business Credit Card is not a great credit card to use.
Alternatively, you can check out the best 0% APR credit cards of 2023, selected by WalletHub’s editors from 1,500+ offers. Just keep in mind that many cards with a 0% APR intro period...
Does U.S. Bank Business Triple Cash Card have a 0% APR intro period for new purchases? Reply
Yes, the U.S. Bank Business Triple Cash Card has an introductory purchase APR of 0% for 15 billing cycles after account opening. Once this intro period expires, any remaining balance on the U.S. Bank Business Triple Cash Card will be subject to the regular APR of 18.99% - 27.99% (V).
Since the average 0% intro APR for new purchases lasts 12 months, the U.S. Bank Business Triple Cash Card offer is above average. The U.S. Bank Business Triple Cash Card also has a 0% intro APR for balance transfers, lasting 15 billing cycles. It is accompanied by a balance transfer...
Does American Express Blue Business Plus Card have a 0% APR intro period for new purchases? Reply
Yes, the American Express Blue Business Plus Card has an introductory purchase APR of 0% for 12 months after account opening. Once this intro period expires, any remaining balance on the American Express Blue Business Plus Card will be subject to the regular APR of 18.24% - 26.24% (V).
It’s important to remember that even though you don’t pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, since you’ll want to pay off...
Does American Express Business Platinum card have a 0% APR intro period for new purchases? Reply
No, the American Express Business Platinum card does not have an introductory purchase APR. If you’re planning on making a large upcoming purchase and you don’t anticipate paying off the balance for a few months, the American Express Business Platinum card is not a great credit card to use.
Alternatively, you can check out our editors’ latest picks for the best 0% APR business credit cards of 2023. Just keep in mind that many cards with a 0% APR intro period for...
Featured Credit Cards
Expert Opinions
- 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 Lecturer, Business Management, Curry College
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Director, ESTEEM Curriculum and Capstone Advising, University of Notre Dame
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Ph.D., Equity in Action Postdoctoral Fellow, School of Management & Marketing Kean University
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Associate Professor of Finance, Neidorff School of Business, Trinity University
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Associate Professor of Management, Arkansas State University, College of Business
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Ph.D., Chair of Business Department, Assistant Professor of Business, Doane University, College of Business
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