Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...
With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
Upgraded Points: Expertise You Can Trust
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
Content by Leading Industry Experts
Routine Updates and Fact-Checks
First-Hand Credit Card Experience
Shared Across 200+ Top Outlets
Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1060+ Expert Credit Card Guides
Getting a business credit card with a 0% APR promotion can be one of the best ways to provide that kick-start you’ve been looking for in your business.
Whether you’re looking to start a new venture or enhance an existing business by using a 0% APR card to make upfront investments, having a valuable business card with 0% APR can literally save you thousands of dollars.
In this guide, we’ll be reviewing the best business cards with 0% APR and show you the best cards to maximize rewards and balance transfers — you’ll find introductory 0% APR benefits for as long as 20 months!
When you open a 0% APR business credit card for an introductory period, typically between 12 and 18 months, your monthly balance will not accrue interest. This can be great for business owners who want to break a large purchase into smaller payments, or those who are pre-revenue and don’t want their startup expenses to accrue interest.
How Do 0% APR Business Credit Cards Work?
After you apply and are approved for a 0% APR business credit card, you’ll receive a 0% interest rate on purchases for a set period of time. However, while interest will not accrue on your balance, you must continue to make on-time payments of at least the minimum payment in order to keep the 0% period going.
If you have not paid off the entire balance by the end of the 0% APR period, you will be charged the standard rate on the remaining balance.
What To Look For in a Business Card With 0% APR
The most crucial elements to look for in a business card with 0% APR will depend on what kind of 0% APR you need.
In general, there are 2 types of “0% APR” promotions on credit cards:
0% APR for purchases
0% APR on balance transfers
Having a credit card with 0% APR for purchases means you’ll enjoy an introductory 0% APR on new purchases. On the other hand, having a card with a 0% APR on balance transfers allows you to defer interest on existing debt that is already on another credit card.
For example, if you have a business credit card with a debt of roughly $10,000 and wish to prevent interest accrual for a short period of time, you may perhaps consider a card with a 0% APR on balance transfers.
But if you are starting from scratch without any high-interest debt, it’s probably more important to get a card with 0% APR on purchases over 0% APR on balance transfers.
Also, just remember that even though your primary focus might be on the best 0% APR terms, you should consider rewards and benefits, too. Earning another 1% to 2% on all your purchases could end up adding up to a ton of rewards in the long term.
In this section, we’ll walk through our top 3 best business cards with 0% APR first, followed by a separate section of 3 alternative business cards that could make sense for some business owners.
Pros and Cons of 0% APR Business Credit Cards
Pros
No interest on purchases during the 0% APR period
Great for business owners looking to finance a large purchase with no interest or new business owners looking to give themselves some breathing room
Cons
The rewards the card offers might not be as competitive as others
You’ll need to make sure you make the minimum payment on time each month in order to keep the 0% interest period going
We did all of the homework for you in figuring out the best business cards with 0% APR. With the right card, you can defer credit card interest for a short time while earning top-notch rewards on purchases.
And in many cases, you can earn a return on spending of up to 10% with some of these credit cards; perhaps, you can get even better value by redeeming your rewards for luxury travel via airline and hotel partners.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99% (rates & fees)
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% (rates & fees)
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
The Ink Business Unlimited card is one of the best 0% APR business credit cards available. If you’re a business owner looking to get rewarded on your business purchases without any caps, this is one of the best cards to use.
This credit card, which is issued by Chase, earns up to 5% cash-back on purchases:
5% cash-back on Lyft purchases through March 31, 2025
1.5% cash-back on all other purchases
The rewards earned on this card can also be converted to Ultimate Rewards points if you have the right credit card to go along with this one, such as the Chase Sapphire Preferred® Card. You can convert your Ink Business Cash card’s 1.5% cash-back to 1.5x Ultimate Rewards points, which transforms into a 3% return on your business’s spending!
Also, this credit card also has primary car rental insurance, purchase protection, extended warranty, zero fraud liability, and no additional fee for employee cards.
Why We Like Earning Chase Ultimate Rewards Points
Even though the Ink Business Unlimited card’s rewards aren’t as valuable if it’s the only card you have, you can massively increase the value of your rewards if you have the right credit card that can convert cash-back to Ultimate Rewards points.
If that doesn’t tickle your fancy, you can also redeem Ultimate Rewards points for online shopping, charity, cash-back, gift cards, travel booked through the Chase Travel portal, and Pay Yourself Back. But the best value will undoubtedly be from using Chase’s airline and hotel partners for flights like Singapore Airlines first class.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
Up to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Another fantastic 0% APR business credit card, which is also issued by Chase, is the Ink Business Cash card.
Also, you’ll get up to 5% cash-back on your card’s purchases:
5% cash-back on office supply stores and cellular phone, landline, internet, and cable TV services (up to $25,000 every account anniversary year in combined purchases)
5% cash-back on Lyft purchases through March 31, 2025
2% cash-back at restaurants and gas stations (up to $25,000 every account anniversary year in combined purchased)
1% cash-back on other purchases
Just like the Ink Business Unlimited card, the Ink Business Cash card earns rewards that can easily be converted to Ultimate Rewards points if you have a Chase credit card that earns Ultimate Rewards. Specifically, you can convert at a ratio of 1% to 1x Ultimate Rewards points (1:1 ratio).
Therefore, your 5%, 2%, or 1% cash-back earnings would be converted to 5x, 2x, or 1x Ultimate Rewards points. That would allow you to get a maximum return on spending of 10%, based on our valuations of 2 cents per point.
Better yet, the Ink Business Unlimited card comes with primary rental car insurance, purchase protection, zero liability fraud protection, and no-cost employee cards.
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
You’ll earn 2x Membership Rewards points on everyday business purchases.
This 2x multiplier applies to the first $50,000 in purchases every calendar year. After that, you’ll earn 1x points. By our valuations, earning 2x points is equivalent to a 4.4% return on spending, which is fantastic for a card without worrying about bonus categories.
The 3 Best Alternative Business Credit Cards With 0% APR
The credit cards recommended in the above section are our favorites. If none of these fit your needs, check out these alternative business credit cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Pros
2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection
Cons
Not ideal for those who spend a lot on a specific category like groceries or gas
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
As far as rewards go, the structure is exceedingly simple:
2% cash-back on all eligible purchases of up to $50,000 every calendar year
1% cash-back on other purchases
Your cash-back is actually automatically credited to your statement so you don’t need to worry about redeeming any rewards — it’s done every month for you!
The Amex Blue Business Cash card still offers access to Amex Offers, and employee cards for no additional annual fees (rates & fees).
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
(Information collected independently. Not reviewed by Capital One.)
(Information collected independently. Not reviewed by Capital One.)
$360
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.
Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
Earn 5X miles on hotel and rental car bookings through Capital One Travel.
Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
You can also use Capital One miles for cash-back, gift cards, Amazon.com, Capital One Travel bookings, online merchandise, and more. Just keep in mind that if you choose to use your miles in this way, you won’t get outsized value through these redemptions.
U.S. Bank Business Platinum Card
The last card we’ll be discussing is the U.S. Bank Business Platinum card. This is one of the most impressive credit cards if your sole goal is to get 0% introductory APR on purchases and balance transfers.
You won’t be eligible to earn any rewards from this card, but it offers an almost unbeatable 0% introductory APR on purchases and balance transfers for 20 billing cycles.
This credit card also has access to digital wallets, contactless payments, 24/7 fraud alerts, zero fraud liability, access to expense management via Visa Spend Clarity, and the ability to divide large purchases into fixed monthly payments with U.S. Bank ExtendPay Plan.
Why Choose 0% APR Business Credit Cards?
The most obvious reason to choose a 0% APR business credit card is to help stretch out payments of a large purchase without interest, pay off high-interest debt without interest, or for new business owners that don’t want their startup expenses to accrue interest as they work on earning revenue.
Can You Get a Business Credit Card With No Revenue?
Yes, you most certainly can. Even though the majority of new businesses are unlikely to have revenue yet, this will not prevent you from being approved for a business credit card. However, you will need to list any other personal income you have to show the credit issuer that you can pay off your expenses as you get your business off the ground.
Can You Balance Transfer on a Business Credit Card?
If the new credit card you’ve opened allows balance transfers, then yes, you can. Generally speaking, balance transfers on business credit cards work the same as they do on personal cards. Usually, you’ll have 30 days from the time you open the card to request the transfer, you’ll need to pay anywhere from a 3% to 5% fee of the balance being transferred, and you cannot transfer your balance to another card from the same credit issuer.
When To Use a 0% Business Credit Card
The most common reason it makes sense to use a 0% business credit card is for rather large purchases that you’d like to break up into smaller chunks without incurring interest charges. If you have significant expenses coming up that you won’t be able to pay in full but are certain you’ll be able to do so if you spread the payments out over a few months, acquiring a 0% business credit card might make a lot of sense.
Tips for Maximizing Your Chances of Obtaining a 0% APR Business Credit Card
The best way to maximize your chance of being approved for a 0% APR business card is to keep a high personal credit score, and business credit score if you have one, as credit issuers are sure to consider both when deciding whether to approve you. Some things you can do to keep your score high include always making your payments on time and keeping your credit utilization as low as possible.
Final Thoughts
Overall, you have plenty of options for business credit cards with 0% APR, especially if you’re focused on 0% APR on purchases. That said, wouldn’t it be better if you got a business card with 0% APR and great rewards?
In this guide, we narrowed down our top picks on what the best business credit cards are for 0% APR. All of these cards are generally available to U.S. applicants nationwide without having to worry about being a resident of a specific state.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the U.S. Bank Business Platinum Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Do business credit cards have APR?
Yes, just like personal credit cards, business credit cards have APR interest rates. However, some business credit cards offer introductory 0% APR promotions that are valid in the first months after opening the new card.
What business cards are offering 0% interest?
Currently, our favorite business cards with a 0% promotional APR period are the Ink Business Unlimited card, Ink Business Cash card, Amex Blue Business Plus card, Amex Blue Business Cash card, Capital One Spark Miles Select card, and U.S. Bank Business Platinum card.
Does 0% APR mean no interest?
0% APR usually refers to an introductory period as part of a promotion that lets you carry a credit card balance at no cost for a finite period of time, such as 8 or 12 months. However, you still need to make minimum payments for your payments to be considered on-time and avoid being hit with late fees.
What does 0% APR for 15 months mean?
0% APR for 15 months means that your balances will not accrue interest on either purchases or transferred balances (depending on what kind of 0% APR you’re referring to) for the first 15 months of card opening. After that introductory period, interest will start accruing.
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
![The Best Citi Business Credit Cards for Cash-Back & Rewards [2024]](https://upgradedpoints.com/wp-content/uploads/2019/09/Business-Credit-Card-Rewards.jpg?auto=webp&disable=upscale&width=700)
