0% APR Business Credit Cards
WalletHub makes it easy to find the best 0% APR business credit card for you.
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
- American Express Blue Business Cash™ Card: Best for Cash Back
- The Blue Business® Plus Credit Card from American Express: Best Overall
- Ink Business Cash® Credit Card: Best for Business Purchases
- Discover it® Business Card: Best for Excellent Credit
- BBVA Compass Business Rewards Credit Card: Best for Balance Transfers
- U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for Bonus Rewards … show more
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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 card purchases with no limit to the amount you can earn
- 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
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express
Rates & Fees | Terms Apply
- 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
- 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 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
- 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
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
- 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
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®
Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select for Business
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
- 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 for Business
KeyBank Business Rewards Credit Card KeyBank Business Rewards Credit Card
- 100,000 bonus points - redeemable for $200 when you spend $1,000 within the first 60 days.
- Earn 10 points per $1 (cash equivalent of 2%) in combined purchases on gas, restaurants, travel and telecommunications.
- Earn 5 rewards points for every $1 (cash equivalent of 1%) in eligible purchases.
- There’s no limit to the amount of rewards you can earn.
- Redeem points for cash back, gift cards, travel, electronics, merchandise and charity donations.
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Discounts for software including QuickBooks, TurboTax and Intuit Payroll.
- Cybersecurity and ID Theft Protection.
- Car Rental Insurance, Global Emergency Services and access to Mastercard’s TPC Golf Privileges.
- See More Details & Reviews About TheKeyBank Business Rewards Credit Card
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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 12 months | $0 |
| Ink Business Cash® Credit Card | Good | 0% for 12 months | $0 |
| HSBC Gold 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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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% 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 months on balance transfers, with a 3% (min $5) balance transfer fee and a $0 annual fee.
Best Business Credit Cards for Balance Transfers
- U.S. Bank Business Platinum
- U.S. Bank Business Cash Rewards World Elite™ Mastercard®
- PNC Visa® Business Credit Card
- Edward Jones Business Credit Card
- Wells Fargo Platinum card
- 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.
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?
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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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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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