0% APR Business Credit Cards

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If you’re using a small business credit card to finance companies purchases, make sure it’s a 0% business credit card. But the best tool for the job is p

Here are the best 0% interest business credit cards:

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Ink Business Cash℠ Credit Card

822 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months See details for transfer fee

Regular APR

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14.99% - 20.99% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

$500

Rewards Bonus

$500

Minimum Credit

Good

Apply Now

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Rewards Details

Earn $500 bonus cash back after you spend $3,000 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

Additional Info

0% introductory APR for 12 months on purchases and balance transfers
Employee cards at no additional cost
No Annual Fee
See More Details & Reviews About TheInk Business Cash℠ Credit Card

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New! Ink Business Unlimited℠ Credit Card

4 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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0% for 12 months See details for transfer fee

Regular APR

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14.99% - 20.99% (V)

Annual Fee

Rewards Rate

1.5% Cash Back

Rewards Bonus

$500

Rewards Bonus

$500

Minimum Credit

Good

Apply Now

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Rewards Details

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business

Additional Info

0% introductory APR for 12 months on purchases and balance transfers
Employee cards at no additional cost
No Annual Fee
See More Details & Reviews About TheNew! Ink Business Unlimited℠ Credit Card

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The Blue Business℠ Plus Credit Card from American Express

404 Reviews

Rates & Fees Rates & Fees | Terms Apply

Purchase Intro APR

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0% for 15 months

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

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13.24% - 21.24% (V)

Annual Fee

None

Rewards Rate

1 - 2 points / $1

Rewards Bonus

None

Minimum Credit

Good

Terms Apply Apply Now

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Rewards Details

Get rewarded for business as usual. Earn 2X 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*.
More buying power for your business* means more opportunities to earn points. That’s everyday business with the new 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

Additional Info

0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24%, 17.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express

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Capital One® Spark® Cash Select for Business

603 Reviews

Purchase Intro APR

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0% for 9 months

Transfer Intro APR

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Not Offered

Regular APR

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14.74% - 22.74% (V)

Annual Fee

Rewards Rate

1.5% Cash Back

Rewards Bonus

$200

Rewards Bonus

$200

Minimum Credit

Good

Apply Now

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Rewards Details

Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

Additional Info

Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
No annual fee
See More Details & Reviews About TheCapital One® Spark® Cash Select for Business

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Capital One® Spark® Miles Select for Business

307 Reviews

Purchase Intro APR

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0% for 9 months

Transfer Intro APR

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Not Offered

Regular APR

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14.74% - 22.74% (V)

Annual Fee

Rewards Rate

1.5 miles / $1

Rewards Bonus

20,000 miles

Rewards Bonus

20,000 miles

Minimum Credit

Good

Apply Now

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Rewards Details

Earn 1.5 miles per $1 on every purchase, every day
Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
There's no limit to the amount of miles you can earn
Fly on any airline, anytime, with no blackout dates or seat restrictions

Additional Info

Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
Pay no annual fee or foreign transaction fees
Get online Quarterly and Year-End Summaries
See More Details & Reviews About TheCapital One® Spark® Miles Select for Business

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SimplyCash® Plus Business Credit Card from American Express

418 Reviews

Rates & Fees Rates & Fees | Terms Apply

Purchase Intro APR

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0% for 15 months

Transfer Intro APR

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Not Offered

Regular APR

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14.24% - 21.24% (V)

Annual Fee

None

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Terms Apply Apply Now

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Rewards Details

Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
Terms apply

Additional Info

Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.24% - 21.24%
No annual fee
*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
See More Details & Reviews About TheSimplyCash® Plus Business Credit Card from American Express

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Platinum Delta SkyMiles® Business Credit Card from American Express

112 Reviews

Rates & Fees Rates & Fees | Terms Apply

Purchase Intro APR

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0% for 6 months

Transfer Intro APR

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Not Offered

Regular APR

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17.74% - 26.74% (V)

Annual Fee

$195

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

50,000 miles + $100 statement credit

Rewards Bonus

50,000 miles + $100 statement credit

Minimum Credit

Good

Terms Apply Apply Now

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Rewards Details

Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months and a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Check your first bag for free and save up to $50 on a round trip Delta flight.
Settle into your seat sooner with Priority Boarding.
Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
Terms and limitations apply

Additional Info

Plus, get a 0% introductory APR for 6 months on purchases. After the introductory 6 months period, the APR for purchases will be variable at 17.74%-26.74% based on your credit worthiness and other factors at account opening, and this APR will vary with the market based on the Prime Rate.
Special Offer Expires: 11/07/2018
See More Details & Reviews About ThePlatinum Delta SkyMiles® Business Credit Card from American Express

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Delta Reserve for Business Credit Card

81 Reviews

Rates & Fees Rates & Fees | Terms Apply

Purchase Intro APR

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0% for 6 months

Transfer Intro APR

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Not Offered

Regular APR

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17.74% - 26.74% (V)

Annual Fee

$450

Rewards Rate

1 - 2 miles / $1

Rewards Bonus

70,000 miles

Rewards Bonus

70,000 miles

Minimum Credit

Good

Terms Apply Apply Now

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Rewards Details

Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, get a 0% introductory APR for 6 months on purchases.
Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
Complimentary Delta Sky Club® Access.‡
Terms and limitations apply

Additional Info

After the introductory 6 month period, the APR for purchases will be variable at 17.74%-26.74% based on your creditworthiness and other factors at account opening, and this APR will vary with the market based on the Prime Rate. Offer expires 11/07/2018.
Pay no foreign transaction fees when you spend overseas.‡
See More Details & Reviews About TheDelta Reserve for Business Credit Card

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Citizens Bank Everyday Points® Business Mastercard®

139 Reviews

Purchase Intro APR

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0% for 6 months

Transfer Intro APR

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Not Offered

Regular APR

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12.99% - 22.99% (V)

Annual Fee

None

Rewards Rate

2 points / $1

Rewards Bonus

25,000 points

Rewards Bonus

25,000 points

Minimum Credit

Excellent

Rewards Details

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.

Additional Info

Convenient tools, such as online account management and consolidated statements to help you control expenses
Benefits like accessCard Command®, Mastercard Easy Savings Program, Travel Assistance and MasterRental® Insurance
Free employee cards
See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®

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Last Updated On: Jul 25, 2018

What is the best 0% APR business credit card?

By: John Kiernan, Credit Card Editor
Best 0% APR Business Credit Cards

When looking for a 0% credit card for business purposes, it’s important to consider both business and personal offers. 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 favorites listed below.

Best 0% APR Business Credit Cards

Card Name	Credit Required	Intro APR	Annual Fee	Initial Bonus
Ink Business Cash℠ Credit Card	Good	0% for 12 months	$0	$500
HSBC Gold Mastercard® Credit Card	Good	0% for 18 months	None	N/A
Chase Slate®	Good	0% for 15 months	None	N/A

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.

Ask the Experts

For more advice on how small business owners should approach credit-card financing, we tapped a panel of leading business, finance and entrepreneurship experts, asking them the following questions. You can check out who they are and what they had to say, below.

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?

: Lewis Mandell
Professor Emeritus of Finance in the School of Management at University at Buffalo
Read More

: Neil L. Sobol
Associate Professor in the School of Law at Texas A&M University
Read More

: Priyanka Sharma
Assistant Professor of Economics in the Stuart School of Business at Illinois Institute of Technology
Read More

: Michael Ryan
Business Analyst at The Pennsylvania State University Small Business Development Center
Read More

: Jim Brau
Joel C. Peterson Professor of Finance at the Marriott School, Brigham Young University
Read More

: Nathan Woolard
Interim Associate Dean, Assistant Professor, Entrepreneurship, Director of Entrepreneurial Programs, School of Business, Meredith College
Read More

More Experts

Comparing 0% APR Business Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share...show moreshow less

@alejandroflores267

December 29, 2017

Can I transfer my balance from my americanexpress charge card?

@WalletHub

February 13, 2018

Yes, you should be able to transfer a balance from your American Express charge card just as if it were any other credit card. It is probably a good idea to do it right at the beginning of the billing cycle, so the balance transfer is completed before the due date. Hope this helps!

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0% APR Business Credit Cards

Here are the best 0% interest business credit cards:

Popular Questions

What is the best 0% APR business credit card?

Best 0% APR Business Credit Cards

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@alejandroflores267

@WalletHub

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