Best for Longest 0% Intro APR Period
How we rate our cards Advertiser disclosure
Annual Fee
$0
Regular APR
17.24% – 26.24% variable
Intro Bonus
N/A
Credit Score
Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Good-Excellent
Pros
- Relatively low APR beyond the intro period
- Provides access to a domestic service center with 24/7 support
- No annual fee
Cons
- Lacks a welcome bonus
- No rewards on purchases
- 3% foreign transaction fee
Why we chose it: At 18 billing cycles, the U.S. Bank Business Platinum Card offers the longest 0% introductory APR period of any card on this list. That’s over a year and a half of waived interest on both purchases and balance transfers (followed by a variable APR of 17.24% to 26.24%), providing small-business owners with plenty of flexibility and savings. Read our U.S. Bank Business Platinum Card review.
Why we love this card: The U.S. Bank Business Platinum Card offers a lengthy 0% introductory APR period for 18 billing cycles (followed by a variable APR of 17.24% to 26.24%), covering both purchases and balances transferred within 30 days from account opening. While the card doesn’t have a welcome bonus or ongoing rewards, it’s still a good option for businesses that value an extended window to manage expenses or consolidate debts without incurring interest.
Who should have this in their wallet: The card is ideal for small-business owners who want to finance large expenses or consolidate existing debts without incurring new interest charges. The card also has a relatively low APR beyond the intro offer, providing potential savings for business owners who need to occasionally carry a balance.
Other cards to consider: If you’re looking for a card with an intro APR period on purchases that also earns rewards, the Capital One Spark Cash Select for Good Credit could be a good alternative. It has no annual fee and earns 1.5% cash back on all purchases, but the intro APR offer is shorter than the U.S. Bank Business Platinum Card.
Best 0% APR Business Card for a Welcome Bonus
Pros
- Offers one of the highest welcome bonuses of any business credit card
- Simple rewards structure with 1.5% cash back on all purchases
- No annual fee
Cons
- No bonus rewards categories
- Intro APR offer only for purchases, not balance transfers
- 3% foreign transaction fee
Why we chose it: The Ink Business Unlimited Credit Card offers a substantial $750 cash back bonus you can earn after spending $6,000 within the first three months of account opening. You’ll also earn an unlimited 1.5% cash back on all business purchases, which can be redeemed for travel, gift cards, statement credits and more. This card has no annual fee and even offers employee cards at no cost. Read our Ink Business Unlimited Credit Card review.
Why we love this card: The Chase Ink Business Unlimited Credit Card has one of the highest welcome bonuses among business cards offering an introductory APR. Cardholders earn $750 cash back after spending $6,000 within the first three months of account opening and an unlimited 1.5% cash back on all purchases without any spending caps.
This makes it an attractive choice for businesses seeking simplicity and high reward potential. Plus, if you also have a Chase Ultimate Rewards-earning card like a Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you’re able to convert your Ink Business Unlimited bonus to 90,000 Ultimate Rewards points. This can increase the value of your welcome bonus, especially if redeemed for travel bookings or transferred to a travel partner.
Who should have this in their wallet: Small-business owners seeking a substantial welcome bonus alongside interest-free financing for an introductory period should consider Chase Ink Business Unlimited.
Other cards to consider: The Capital One Spark Cash Select for Good Credit is a good alternative to the Ink Business Unlimited if you want a card that earns identical rewards on daily spending and the same intro APR period for no annual fee. The Capital One Spark Cash Select earns 1.5% cash back on all spending, plus 5% on hotels and rental cars booked through Capital One Travel. Plus it has the added advantage of waving foreign transaction fees.
Best 0% APR Business Card for Cash Back
How we rate our cards Advertiser disclosure
Capital One Spark Cash Select for Good Credit
Annual Fee
$0
Regular APR
21.24% – 29.24% variable
Intro Bonus
$750 cash bonus Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening.
Credit Score
Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Good – Excellent
Pros
- Simple cash back earnings structure
- No caps on cash back rewards
- No annual fee or foreign transaction fees
Cons
- No welcome bonus
- Intro APR offer does not apply to balance transfers
- Variable APR can be as high as 29.24% after introductory period
Why we chose it: The Capital One Spark Cash Select for Good Credit is a great business card for earning cash back while enjoying a decent 0% intro APR offer on purchases for 12 months (21.24% – 29.24% variable APR thereafter). The card has no annual fee, making it a great choice for long-term use without factoring in additional costs. It earns 1.5% cash back on all spending, plus 5% on hotels and rental cars booked through Capital One Travel. Read our Capital One Spark Cash Plus Review.
Why we love this card: The Capital One Spark Cash Select for Good Credit is an excellent choice for large- and small-business owners alike. Its straightforward 1.5% cash back structure without an annual fee makes it appealing for businesses looking to earn rewards while enjoying interest-free financing. The card does offer an elevated 5% cash back on hotels and rental cars booked through Capital One Travel. This, along with free employee cards and no foreign transaction fees, make this an excellent choice for business travel.
Who should have this in their wallet: Businesses that prioritize earning cash back on all purchases without the hassle of rotating categories or spending caps should consider this card. It provides simple rewards and the benefit of an intro APR on purchases.
Other cards to consider: This card lacks a welcome bonus, which may be a deterrent for business owners looking for generous rewards right out of the gate. The Ink Business Unlimited is a good alternative since it offers an intro to earn $750 cash back bonus after you spend $6,000 on purchases in the first three months of account opening. Just like the Capital One Spark Cash Select, the Ink Business Unlimited earns unlimited 1.5% cash back with no annual fee.
Best 0% APR Business Card Business Spending
Pros
- 0% introductory APR for 12 months on purchases (18.49% – 24.49% variable APR after)
- High welcome bonus
- No annual fee
Cons
- Spending caps on bonus rewards categories
- 3% foreign transaction fee
- No intro APR on balance transfers
Why we chose it: The Ink Business Cash Credit Card offers some of the highest bonus categories of any business card. Cardholders earn 5% cash back on the first $25,000 spent annually in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%). The card also earns 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%), plus an unlimited 1% cash back on everything else. Read our Ink Business Cash Credit Card review.
Why we love this card: The Chase Ink Business Cash Credit Card is an exceptional card for business spending. The card has a robust cash back rewards program, especially in categories like office supplies and telecommunications, amplifying its value for day-to-day business spending. These significant spending category bonuses can help businesses maximize rewards on every dollar spent. In addition to the introductory APR offer on purchases and an intro offer to earn an up to $750 cash back bonus ($350 earned when you spend $3,000 on purchases in first three months plus an additional $400 when you spend $6,000 in the first three months), employee cards are free.
Who should have this in their wallet: The Ink Business Cash is a great option for those seeking a business card with a solid intro APR offer and high earning potential in common business categories like office supply stores, gas stations, restaurants and internet, cable and phone services.
Other cards to consider: The Chase Ink Business Unlimited offers the same welcome bonus as the Ink Business Cash and even waives the annual fee. The difference is that Ink Business Unlimited earns a flat 1.5% cash back on all purchases. It’s ideal for consumers who don’t want to deal with limitations around certain bonus categories.
Best 0% APR Business Card for Earning Points
Pros
- Membership Rewards points are transferable to 21 airline and hotel partners
- No annual fee
- Intro APR period on purchases
Cons
- Low welcome bonus
- $50,000 yearly sending cap may be too low for some businesses
- 2.7% foreign transaction fee (see rates and fees)
Why we chose it: The American Express Blue Business Plus earns 2X Membership Rewards points on all purchases (up to $50,000 in spending per calendar year, then 1X points). This is great for small businesses that want to maximize every dollar without tracking complicated category bonuses. The card also comes with an introductory 0% APR offer on purchases for 12 months followed by a 18.49% – 26.49% variable APR after (see rates and fees), providing business owners with a full year of interest-free financing for big expenses. Read our Blue Business Plus Credit Card from American Express review.
Why we love this card: The American Express Blue Business Plus stands out with its rare combination of an introductory purchase APR and a robust rewards program. The ability to earn 2X Membership Rewards points on every dollar spent (up to $50,000 in spending per calendar year, then 1X points) offers substantial value for businesses seeking versatile, yet simplified, rewards. The card also has no annual fee, making it an excellent long-term addition to your wallet.
Who should have this in their wallet: Small-business owners who prioritize maximizing rewards on their everyday spending while enjoying a temporary interest-free period would find great value in this card.
Other cards to consider: For alternative options, the Chase Ink Business Cash is an excellent contender. The card earns 5% cash back on office supplies and internet, cable, and phone services, with a $25,000 annual cap (then 1% back). The card has no annual fee and offers a decent intro APR offer on purchases.
Best 0% APR Business Card for Value
How we rate our cards Advertiser disclosure
Annual Fee
$0
Regular APR
19.24% to 28.24% variable
Intro Bonus
$500 cash back One-time $500 cash back will be awarded if eligible Net Purchases totaling $4,500 or more are made to the Account Owner’s Card within 150 days from account opening.
Credit Score
Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Good
Pros
- No annual fee
- 3% cash back on common business spending categories, plus 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- Intro APR period on both purchases and balance transfers
Cons
- The $100 subscription credit is only valid on select software subscriptions
- Cash back rewards aren’t as valuable as most points and miles
- Incurs a 3% foreign transaction fee
Why we chose it: The U.S. Bank Triple Cash Rewards Visa Business Card offers terrific value for a $0 annual fee business card thanks to 0% intro APR on purchases and balance transfers (transferred within 30 days from account opening) for 15 billing cycles (19.24% to 28.24% variable APR after). Cardholders earn 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cellphone service providers and restaurants. All other purchases earn 1% cash back. Read our U.S. Bank Triple Cash Rewards Visa Business Card Review.
Why we love this card: The U.S. Bank Triple Cash Rewards Visa Business Card stands out for its $100 annual subscription credit, good for business software like FreshBooks or QuickBooks. Beyond the 15-month 0% APR introductory period on purchases and balance transfers (followed by a variable APR of 19.24% to 28.24%), this no-annual-fee card offers robust rewards, earning 3% cash back at gas and EV charging stations, office supply stores, cellphone service providers and restaurants. Overall, the card provides excellent value for business owners who can take advantage of its numerous benefits.
Who should have this in their wallet: Small-business owners with various software subscriptions should consider his card since it covers up to $100 in select subscriptions annually for no annual fee. The card is also ideal for those looking to maximize cash back rewards while effectively managing cash flow, as the lengthy intro APR term can come in handy.
Other cards to consider: If you prefer the added flexibility of points over cash back, the American Express Blue Business Plus might be a better fit. This card also has no annual fee and earns a simple 2X points on up to $50,000 in purchases, then 1X points.
Best 0% APR Business Card for Travel
How we rate our cards Advertiser disclosure
Annual Fee
$0
Regular APR
18.49% – 28.49% variable
Intro Bonus
30,000 bonus points After you made at least $3,000 in purchases in the first 90 days of your account opening
Credit Score
Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Excellent
Pros
- Simplified rewards structure
- Bank of America Preferred customers can earn 25% to 75% more points
- No annual fee or foreign transaction fees
Cons
- No airline or hotel transfer partners
- Welcome bonus is only worth $300 toward travel and dining (30,000 online bonus points after making $3,000 in purchases in the first 90 days)
- Introductory APR offer on purchases is one of the shortest available
Why we chose it: The Bank of America Business Advantage Travel Rewards World Mastercard credit card earns an unlimited 1.5X points on all purchases, and the rewards are redeemable for a statement credit to cover past travel and dining purchases, travel through the Bank of America Travel Center, cash back or gift cards. The card has no annual or foreign transaction fees, making it worth keeping long term. Its 0% intro APR on purchases for 9 billing cycles (18.49% to 28.49% variable APR after) isn’t the best offer available for a business card, but it still provides some value.
Why we love this card: The Bank of America Business Advantage Travel Rewards World Mastercard is a solid entry-level travel card for business. It comes with a short intro APR term but earns 1.5X points on all purchases, with an extra 25% to 75% bonus for Bank of America Preferred Rewards members. Rewards are worth 1 cent each toward travel and dining purchases, making it a straightforward option for business travelers. Plus, it lacks an annual fee and foreign transaction fees, which are appealing perks for international travelers.
Who should have this in their wallet: The Bank of America Business Advantage Travel Rewards World Mastercard is ideal for business owners who travel frequently and who want to maximize rewards on their business expenditures while enjoying a promotional APR offer.
Other cards to consider: If you’re looking to redeem points for purchases other than dining and travel, consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. This card earns 1.5% cash back on all spending—which can be redeemed as a bank account deposit, statement credit or paper check—and offers a similar welcome bonus. It also qualifies for the 25% to 75% Preferred Rewards bonus.
Best 0% APR Business Card for Low APR After the Introductory Period
How we rate our cards Advertiser disclosure
Annual Fee
$0
Regular APR
16.49% to 27.49% variable
Intro Bonus
$300 online statement credit Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Credit Score
Credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Good – Excellent
Pros
- Low variable APR
- No annual fee
- Free employee cards with individual limits
Cons
- No rewards on purchases
- Short introductory APR period
- Low welcome bonus
Why we chose it: The Bank of America Platinum Plus Mastercard Business card offers one of the shortest 0% intro APR periods on purchases at just 7 billing cycles. However, it has no annual fee, complimentary employee cards and a very competitive variable APR once the promotional period ends (16.49% to 27.49%).
Why we love this card: The Bank of America Platinum Plus Mastercard Business card stands out for its competitive ongoing APR, ranging from just 16.49% to 27.49% variable after the introductory period ends. The card has no annual fee and offers a solid $300 online statement credit after making at least $3,000 in purchases in the first 90 days.
Who should have this in their wallet: Business owners seeking a low ongoing APR after the introductory period can benefit from the Platinum Plus Mastercard Business card. It doesn’t earn rewards on any purchases, but employee cards are free and can be controlled individually for business owners who need to give card access to authorized users.
Other cards to consider: If you prefer a short intro APR offer in exchange for ongoing rewards, the Bank of America Business Advantage Unlimited Cash Rewards Mastercard might be a better alternative. This card earns 1.5% cash back on all spending and has a short intro APR offer on purchases for no annual fee.
Understanding Interest Rates and APR
When it comes to credit cards, interest rates represent the cost of borrowing money, while the annual percentage rate (APR) refers to interest accrued over a year. Both APR and interest rates are expressed as a percentage and can vary based on factors like inflation, the prime rate and the borrower’s creditworthiness. Riskier borrowers will typically pay a higher APR than those who are considered less likely to default on their credit card debt.
Cards often have multiple different APRs used to calculate the interest on debt, depending on the balance and the category of those charges. A different APR may be applied to:
- Purchases
- Balance transfers
- Cash advances
Some credit cards offer a 0% introductory APR on purchases or balance transfers (sometimes both). When you miss a credit card payment, your bank may impose a penalty APR, which can be significantly higher than your regular or introductory APR.
To avoid paying interest, you must pay your full balance at the end of each billing cycle. Otherwise, interest is assessed daily based on your APR. To figure out this number, divide your APR by 365 and multiply it by your balance.
For example, let’s say your APR is 25% and you carry a $1,000 balance on your credit card. To calculate the compounded daily interest, divide your 25% APR by 365, which equals 0.068%. Then multiply this rate by your balance, which equals $0.68 in interest for that day. This rate will continue to accrue until your balance is paid off.
What Are 0% APR Business Credit Cards and How Do They Work?
A business credit card with 0% APR offers a specific period during which interest charges are waived on purchases or balance transfers (and sometimes both). These promotional periods may range from seven to 21 months, depending on the card. If you take advantage of a business credit card 0% APR balance transfer offer, you’ll often incur a 3% to 5% balance transfer fee. After the promotional period ends, a standard APR will apply to any remaining balance.
Business cards with 0% APR offers can be advantageous for businesses looking to finance large purchases or manage cash flow by delaying interest payments. They can help spread out payments for necessary expenses without incurring immediate interest, offering a temporary buffer for businesses to make strategic financial decisions. But it’s crucial to still manage that debt responsibly and pay off the balance before the promotional period ends to avoid high interest charges.
How Does My Credit Score Affect My Interest Rate?
Your credit score plays a significant role in determining the interest rate you’ll pay on loans, mortgages and credit cards. Generally, the higher your credit score, the lower the interest rate you’ll be offered.
Lenders use your credit score to determine your creditworthiness and assess the risk of lending your money. A higher credit score indicates a history of responsible borrowing and repayment, which translates to a lower lending risk and corresponding interest rate.
A good credit score typically falls in the 670 to 739 range based on the common FICO credit scoring model, while an excellent score is 800 and above. Generally, you’ll need an excellent credit score for the best interest rate on both credit cards and loans. If your credit score is below the good range, you should consider improving it before borrowing money. Improving your credit score over time can lead to better interest rates and more favorable loan terms.
Lenders typically use a range of credit scoring models, and the specific score will vary by bank.
- Excellent credit score: 800 to 850
- Very good credit score: 740 to 799
- Good credit score: 670 to 739
- Fair credit score: 580 to 669
- Poor credit score: 300 to 579
How Do I Choose the Best 0% APR Business Credit Card for Me?
Not all 0% APR credit cards are the same, and the best credit card for your business comes down to your personal needs and spending habits. When evaluating your options, be sure to consider the length of a 0% APR offer, whether it applies to balance transfers or purchases, the ongoing rewards offered by a card, the welcome bonus and annual fee. All of these factors can help you narrow down your options and pick a card that best suits your needs.
Here’s a detailed look at factors to consider when picking the right credit card for you.
Length of 0% APR Offer
When choosing a business credit card with a 0% APR offer, consider the length of that introductory period. This determines how long you can benefit from interest-free purchases or balance transfers. Longer introductory periods offer more flexibility for paying off balances without accruing interest, but shorter terms might still suffice for immediate needs.
Balance Transfers vs. Purchase APR
Some cards may offer a 0% APR only on purchases or balance transfers, while others offer it on both. Understanding your primary usage—whether it’s for new purchases, transferring existing balances or both—can help you pick a card aligned with your needs.
Ongoing Rewards
It’s important to evaluate ongoing rewards as they contribute to long-term value beyond the introductory period. Cards that offer cash back, points or miles on everyday business spending can significantly benefit your bottom line. Be sure to pick a card with a rewards rate and category bonuses that align with your spending habits.
Welcome Bonus
Most business cards offer generous welcome bonuses in the form of cash back or points. These bonuses can offset expenses or go toward personal award travel. Assessing the bonus alongside ongoing rewards and benefits can help you maximize your immediate gains.
Annual Fee
Consider the annual fee with the card’s benefits and your budget. A higher annual fee might be justified if the rewards and perks outweigh the cost. But if you don’t utilize the card features enough, a lower or no-annual-fee card might be more suitable for your business.
Frequently Asked Questions
What’s the Best 0% APR Business Credit Card?
The best business credit card with a 0% APR depends on your specific financial needs. A card with the longest intro APR period—like the U.S. Bank Business Platinum Card—gives you plenty of time to pay off purchases or balance transfers. But that card offers no welcome bonus or rewards, so it won’t be the best option for everyone.
What Business Credit Card Has the Lowest Interest Rate?
The Bank of America Platinum Plus Mastercard Business card offers one of the lowest variable interest rate ranges at 16.49% to 27.49% APR. The exact rate will depend on your credit score, and creditworthiness can impact your interest rate as well. Banks often adjust interest rates based on the prime rate, so rates may change frequently. Be sure to check the offered rates before applying for a card.
