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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 6-15 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.… show more… show moreÂ
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Best 0% APR Business Credit Cards
Please note that if you have existing credit card debt, 0% balance transfer business credit cards are listed separately.
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U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- 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.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- 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
- Terms and conditions apply
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 14.74% - 23.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express

- 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% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, 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
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
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No rewards bonus
- No intro APR on balance transfers
- Requires good/excellent credit
- 0% Intro APR for the first 12 months; 16.24% - 24.24% variable APR after that
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
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®.
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 13.49% - 19.49% (V) regular APR
- 3% foreign transaction fee
- 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
American Express Blue Business Cashâ„¢ Card American Express Blue Business Cashâ„¢ Card

- 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
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $250 initial rewards bonus
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, 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 Cashâ„¢ 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 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 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
U.S. Bank Business Platinum Card U.S. Bank Business Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% - 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPayâ„¢ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- See More Details & Reviews About TheU.S. Bank Business Platinum Card
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- 0% 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
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.49% to 22.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Bank of America® Platinum Plus® Mastercard® Business card Bank of America® Platinum Plus® Mastercard® Business card

- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
- No annual fee
- 0% intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 10.49% to 21.49% will apply.
- Employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Platinum Plus® Mastercard® Business card
The Business Platinum Card® from American Express The Business Platinum Card® from American Express

- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- Terms Apply.
- 0% intro APR on purchases eligible for Pay Over Time
- High rewards rate
- 120,000 points initial rewards bonus
- No foreign fee
- High membership fees
- Requires good/excellent credit
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- $695 Annual Fee.
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About The Business Platinum Card® from American Express
Best 0% APR Business Credit Cards in 2022
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 20 months, along with a $0 annual fee. The card’s regular APR is 13.99% - 21.99% (V), depending on creditworthiness, and there is a balance transfer fee of 3% (min $5).
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 20 billing cycles and has a $0 annual fee. The card’s regular APR is 12.74% to 21.74% (V), depending on creditworthiness, and you will need good credit for approval.
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 14.74% to 23.74% (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 $7,500 in the first 3 months. Cardholders also earn 1 - 5% cash back on purchases.
This card has a regular APR of 13.49% to 19.49% (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 |
Comerica Bank Mastercard® Business Credit Card | Winner | $0 |
U.S. Bank Business Platinum 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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