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 as well as a 0% APR on balance transfers for 12 months. The Blue Business Plus Amex Card also has a $0 annual fee. Its regular APR is 14.99% - 20.99% (V), depending on creditworthiness, and it charges a 3% (min $5) balance transfer fee. 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
| Card Name | Credit Required | Intro APR | Annual Fee |
| The Blue Business® Plus Credit Card from American Express | Good Credit | 0% for 12 months | $0 |
| American Express® Blue Business Cash Card | Good Credit | 0% for 12 months | $0 |
| U.S. Bank Business Cash Rewards World Elite™ Mastercard® | Excellent Credit | 0% for 15 months | $0 |
| Ink Business Cash℠ Credit Card | Good Credit | 0% for 12 months | $0 |
| HSBC Gold Mastercard® Credit Card | Good Credit | 0% for 18 months | None |
| Chase Slate® | Good Credit | 0% for 15 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.
