The Best 0% APR Business Credit Cards

Pay down debt over time without accumulating interest with these industry-leading 0% APR intro periods.

A 0% APR business credit card essentially acts as an interest-free loan—you get to pay down debt while paying no interest on your balance during an introductory period.

Paying no interest can be particularly valuable for small business owners who are planning on buying big-ticket items or making several one-time purchases after opening their credit card account.

The best 0% APR business credit cards not only let you carry a balance with no interest for a specified number of months—from seven up to 15—but also offer rewards like welcome bonuses, cash back, or points. Here are our picks.

The Best 0% Intro APR Business Credit Cards:

Ink Business Unlimited® Credit Card From Chase

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Credit Card

Ink Business Unlimited® Credit Card

Great For: Unlimited cash back and welcome bonus

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  • $750 welcome bonus if you spend $7,500 in first 3 months
  • 0% intro APR on purchases for first 12 months
  • Unlimited 1.5% cash back on every purchase
Credit Card
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Welcome offerafter spending $7,500 in first 3 monthsRewards rateon all spending with no capsAnnual feeMinimum credit
$750 cash back1.5% cash back$0660

For one of the best 0% intro APR business credit cards that also offers flat-rate cash back rewards, check out Chase Ink Business Unlimited. This business credit card offers 0% interest for 12 months and no annual fee. What makes this card stand out is its simplicity.

With this Chase business credit card, you’ll earn 1.5% cash back on every purchase, with no caps or limits. Plus, if you spend $7,500 during your first three months with the card, you’ll also earn a welcome bonus of $750 cash back. The Chase Ink Unlimited card also allows you to get employee cards at no additional cost.

If you could benefit from a 0% intro APR business credit card that can earn you big rewards without complexities, this might be the card you’ve been looking for.

Ink Business Cash® Credit Card From Chase

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Credit Card

Ink Business Cash® Credit Card

Great For: Typical business expenses

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  • $750 signup bonus if you spend $7,500 in first 3 months
  • 0% intro APR for 12 months on purchases
  • 5%, 2% or 1% cash back depending on where you spend
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Welcome offerafter you spend $7,500 on purchases in first 3 monthsRewards ratedepending on where you spendAnnual feeMinimum credit
$750 cash back5%, 2% or 1% cash back on purchases$0660

Next on our list of the best 0% intro APR business credit cards is Chase Ink Business Cash.

Like the Ink Business Unlimited card, this card offers a 12-month intro APR period on purchases, but unlike the Ink Unlimited, the Ink Cash has a tiered cash back rewards program—giving you the opportunity to earn more rewards on the areas where you spend the most.

This 0% intro APR business credit card from Chase allows you to earn:

  • 5% cash back on the first $25,000 spent in office supplies stores and on internet, cable, and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on all other purchases with no limit on the amount you can earn

On top of these business credit card perks, the Ink Cash also has no annual fee, allows you to get employee cards at no additional cost, and offers a welcome bonus of $750 if you spend $7,500 within the first three months of opening your account.

If you’re going to be doing a significant amount of spending in these high-tier reward categories, this 0% intro APR business credit card will truly allow you to maximize what you earn on your spending.

American Express® Blue Business Cash Card

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Credit Card

American Express Blue Business Cash™ Card

Great For: Earning cash back and a long 0% intro APR period

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  • 0% intro APR on purchases for 12 months from date of account opening
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
  • No annual fee
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Intro apron purchases for 12 months from date of account openingRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%$0660

The American Express Blue Business Cash card comes with a 12-month intro 0% APR period that applies to purchases you make during that time.

After the first 12 months, your APR for the Blue Business Cash card will set in at a rate that will depend on your creditworthiness and the market prime rate, so you’ll want to be sure to check the issuer’s terms and conditions for the latest APR information.

The Blue Business Cash card not only offers a long 0% intro APR period, but it also has substantial cash back rewards. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% on everything else. Plus, the Blue Business Cash card has no annual fee.

The Blue Business® Plus Credit Card From American Express

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Credit Card

The Blue Business® Plus Credit Card from American Express

Great For: Making purchases with a 0% intro APR period

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  • 12 month 0% intro APR period on purchases from the date of account opening
  • 2X points for the first $50K spent
  • No annual fee
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Intro apron purchases for 12 months from the date of account openingRegular aprAnnual feeMinimum credit
0%13.24% – 19.24%$0700

Similar to the Blue Business Cash card, if you’re looking for a business credit card with a long 0% intro APR period on purchases, you might consider the Blue Business Plus card from American Express.

Like the Blue Business Cash card, the Blue Business Plus has a long 12-month 0% APR period.

After your first 12 months, your Blue Business Plus will have an APR that will vary with the market and your creditworthiness, so be sure to consult the issuer’s terms and conditions for the latest APR information.

On top of the 0% intro APR period on this card, the Blue Business Plus also offers 2x rewards points on the first $50,000 you spend and does not charge an annual fee.

U.S. Bank Business Platinum Card

The next option on our list of the best business credit cards with 0% intro APR is the U.S. Bank Business Platinum. This card offers a 0% intro APR for 15 billing cycles, applicable to both purchases and balance transfers.

Additionally, this card has no annual fee, offers free employee cards, and provides zero fraud liability to protect you against unauthorized transactions.

This U.S. Bank business credit card has no rewards program, but it’s a viable option for a low-fee, low-interest way to manage spending for your business.

Bank of America® Business Advantage Travel Rewards World Mastercard®

If you’d prefer a business credit card with a 0% intro APR on purchases and rewards specific to travel, you might consider the Bank of America Business Advantage Travel Rewards card.

Although this Bank of America business credit card has a shorter 0% intro APR period than other options—only nine months—we’ve included it on our best 0% intro APR business credit card list because it offers a great balance between interest-free periods and travel earnings.

With the Bank of America Business Advantage Travel Rewards card, you can redeem your rewards points for travel with no blackout dates—and, you can also redeem points for cash back or gift cards.

With this 0% intro APR business credit card, you’ll earn 1.5 reward points per dollar on all purchases and 3 points on every dollar spent on travel purchases. Moreover, you’ll also have the opportunity to receive 30,000 points when you spend $3,000 in net purchases within 90 days of opening your account.

Plus, the Bank of America Business Advantage Travel Rewards card has no annual fee and no international transaction fees—making it one of the best options for travel rewards and a 0% intro APR period.

Capital One® Spark® Cash Select for Business

The Capital One Spark Cash Select card makes our list not only because it’s a business credit card with 0% intro APR, but also for the range of additional benefits it can offer.

With a nine-month 0% intro APR period, the Spark Cash Select doesn’t have the longest interest-free period; however, this card offers:

  • Unlimited 1.5% cash back on every purchase with no cap
  • No annual fee
  • Free employee cards that also earn rewards
  • $200 cash back when you spend $3,000 in the first three months

Plus, the rewards you earn with the Spark Cash Select never expire and you can redeem your cash back in any amount. On top of all this, the Spark Cash Select is a business credit card with no foreign transaction fees—making it a great option if you travel frequently for your business.

Capital One® Spark® Miles Select for Business

Similar to the Capital One Spark Cash Select, the Capital One Spark Miles Select is one of the best 0% intro APR business credit cards that offers a long-term travel rewards program, plus a travel welcome bonus.

With this Capital One card, you’ll have access to 0% interest for nine months, as well as an unlimited 1.5 miles for every dollar you spend. This card places no limits on the miles you can earn and with them, you’ll be able to fly any airline, anytime, with no blackout dates or seat restrictions.

Additionally, the Capital One Spark Miles Select will offer a credit card bonus of 20,000 miles when you spend $3,000 within the first three months of opening your account. Plus, this business credit card with 0% intro APR has no annual fee and no foreign transaction fees—making it all the better for a business traveler.

Bank of America® Business Advantage Cash Rewards Mastercard®

Also on our list of the best business credit cards with 0% intro APR is the Business Advantage Cash Rewards Mastercard from Bank of America.

Like the two Capital One cards above, this card offers a 0% intro APR period of nine months—plus long-term rewards and a welcome bonus.

With the Bank of America Business Advantage Cash Rewards card, you’ll earn cash back based on where you spend, including:

  • 3% cash back on the category of your choice, choosing from gas stations, office supply stores, travel, TV and wireless, computer services, or business consulting services
  • 2% cash back on restaurants for the first $50,000 combined choice category and dining purchases
  • 1% cash back on all other purchases

You’ll be able to redeem these cash rewards in the form of a statement credit, check, or deposit into a Bank of America checking or savings account. Moreover, if you spend $3,000 in purchases within 90 days of opening your account, you’ll earn a $300 cash back bonus.

Therefore, if you’re looking for a 0% intro APR business credit card that can also offer a tiered cash back rewards program, welcome bonus, as well as no annual fee, this is a Bank of America option you certainly might consider.

Bank of America® Platinum Plus® Visa® Business Card

Although a business credit card rewards program will allow you to earn while you spend, you might prefer a straightforward credit card with no extras to manage. In this case, you might consider the Bank of America Platinum Plus Visa Business card.

This Bank of America card offers a seven-month 0% intro APR period, no annual fee, and a welcome bonus of $300 cash back (in the form of a statement credit) when you spend $3,000 in purchases within 90 days after opening your account.

You can also get employee cards at no additional cost, with credit limits you set. Plus, the Bank of America Platinum Visa card has no annual fee.

Although this may not be the most competitive option on our list of the best 0% intro APR business credit cards, you might use this no-fee, low-interest card to simplify your business spending.

Is a 0% Intro APR Business Credit Card Right for You?

Ultimately, there are two main reasons why you should get a business credit card with a 0% intro APR as opposed to any other option:

  • You think you’ll carry over credit card balances from month to month—at least when you start out with the card.
  • You want to transfer existing credit card debt to a 0% intro APR business credit card.

This being said, 0% intro APR cards are great if you plan on making large purchases within your first months after opening your account and want to be able to pay those debts off without accruing interest.

Plus, 0% intro APR aside, many of the cards on this list are top business credit card options in a variety of categories—for cash back rewards, for travel rewards, and for no annual fee. Therefore, you might find that a business credit card’s 0% intro APR offer is just an added benefit (if you decide to take advantage of it) on top of all of the other perks you’ll receive with that card.

On the other hand, if you’re certain you’ll never carry a credit card balance at any point in the next year, you might then take a look at some of the more rewards-heavy business credit card options.

The Bottom Line

At the end of the day, you’re the only one who can decide what the best credit card is for your business.

With this in mind, if you’re trying to choose between the 0% APR cards on our list, or others, you’ll want to look at the whole picture—in terms of general features, rewards, issuer, plus whether you think you’ll be able to qualify—to find the business credit card that will most fully support your needs.

If you still have questions about business credit cards with 0% intro APR, check out our FAQs below.

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Randa Kriss
Senior Staff Writer at Fundera

Randa Kriss

Randa Kriss is a senior staff writer at Fundera.

At Fundera, Randa specializes in reviewing small business products, software, and services. Randa has written hundreds of reviews across a wide swath of business topics including ecommerce, merchant services, accounting, credit cards, bank accounts, loan products, and payroll and human resources solutions. 

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