Best 0% APR Business Credit Cards

To get a business credit card for your LLC, compare offers for cards to determine which business credit card is likely to save your LLC the most money, based on rewards, fees, interest rates and other features. Then, apply for the card online, wait for a decision and, if you’re approved, wait for your card in the mail.

You can get a business credit card for an LLC, as long as you are permitted by the corporation. If you aren’t an owner of the LLC, you must at least be an authorized officer  – in other words, legally able to sign for the company – in order to apply for a credit card in the LLC’s name. Authorized officers will be named on the LLC’s operating agreement, and can be the LLC’s owner, president, managing member, member, or treasurer, for instance.

When it comes to which business credit cards you might qualify for, a lot depends on your personal credit score. Most small business credit card issuers will judge your application based on your personal creditworthiness because they require a personal guarantee for any balance on the account.

How to Get a Business Credit Card for Your LLC in 4 Steps

1. Check your credit score. Your personal credit score plays a big role in which business credit card you can get, but you don’t need good credit to get a business credit card. You can check your latest credit score for free on WalletHub.
2. Determine which card would be best for you. The ideal business credit card will give you the best value in rewards and benefits, based on your business spending and your overall needs. Narrow down the choices based on rewards rates in your biggest spending categories and other card benefits, and then compare expected earnings after taking any fees into account.
3. Fill out the application. You’ll need to provide details about the LLC on the application, such as its name, address, phone number, annual income, number of employees, years in business, and Employer Identification Number (EIN). You’ll also need to provide some information about yourself, such as your Social Security number and personal income, among other things.
4. Wait for a response. You could get a decision instantly, or the card issuer may need a closer look at your application. Most credit card issuers make a decision on applications within 2 weeks, and if you’re approved, your new card should get to you in 7-10 business days after approval. If you get denied for the card, consider calling the card issuer’s reconsideration line or looking into other credit card options.

Business credit cards can be assets for LLC owners, as they tend to offer more business-focused benefits and rewards, with the potential for higher credit limits than personal cards. That said, many LLC owners use a personal credit card for business purposes – and that’s perfectly fine, if you aren’t interested in building business credit and you keep your business and personal expenses separate.

No, the World Of Hyatt 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 World Of Hyatt Business Credit Card is not a great credit card to use.

Alternatively, you can check out the best 0% APR credit cards of 2022, 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.

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 2022, 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 14.74% - 23.74% (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 13.99% - 21.99% (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.

Yes, the American Express Business Platinum card has an introductory purchase APR of 0% for 12 months on purchases eligible for Pay Over Time after account opening. Once this intro period expires, any remaining Pay Over Time balance on the American Express Business Platinum card will be subject to the regular APR of 14.99% - 22.99% (V). Keep in mind that charges that aren't eligible for Pay Over Time will become part of your regular balance, which must be paid by the due date each month.

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, and purchases that don’t qualify for Pay Over Time must be paid in full by each due date. 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.

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 20 billing cycles and a $0 annual fee. But there is a 3% (min $5) 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 billing cycles on balance transfers, with a 3% (min $5) balance transfer fee and a $0 annual fee.

Best Business Credit Cards for Balance Transfers

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.

There are currently no business credit cards that have 0% APR for 24 months.

One of the best offers is the U.S. Bank Business Platinum Card that comes with an intro APR of 0% for 20 billing cycles on purchases and 0% for 20 billing cycles on balance transfers. This card has a 3% (min $5) balance transfer fee and its regular APR is 12.74% - 21.74% (V).

There are several good 0% APR business credit cards, though, so you might want to check out our editor’s latest picks for the best among them and see which one better suits your needs.