Best 0% APR Business Credit Cards

You can get 0% APR on your credit card if you apply for a credit card with an introductory 0% interest period, which usually requires good credit or better for approval. On average, you can get a 0% APR for 12 months on purchases and 13 months on balance transfers.

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

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.

The longest 0% APR credit card is the Wells Fargo Reflect® Card. This card offers an introductory purchase APR of 0% for up to 21 months from account opening and 0% for up to 21 months from account opening on qualifying balance transfers - subject to a fee of 3% intro for 120 days, then up to 5% (min $5). The card’s regular APR is 17.24% - 29.24% 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 0% APR credit cards:

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.

You can also adopt the island approach. That way, you can use a different rewards card for purchases, which you’ll pay in full each month.

What you should know about 0% APR store cards:

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 if you pay off the item in full by the end of the promotion period. So, you should only get such a card if you’re planning on paying down your balance in full before the interest-free period ends. But if you miss only one payment due date, then interest will be applied to your entire original purchase amount, as if it had been there from the start.

The JCPenney Credit Card is one example, offering 18 months of deferred interest. But those cards are best avoided, due to the potentially high interest rate.  

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 intro period for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub, if you don’t know where you stand.

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 for new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.

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 18.24% - 27.24% (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 fee of 3% (min $5).

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 the credit card balance before the regular APR kicks in. For help planning your payments, try out WalletHub’s Credit Card Calculator.

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 17.49% - 25.49% (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 the credit card balance before the regular APR kicks in. For help planning your payments, try out WalletHub’s Credit Card Calculator.

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 new purchases require good or excellent credit for approval. You can check your credit score for free on WalletHub to gauge your odds.