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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 6-20 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
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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