Best 0% APR Business Credit Cards of July 2025
A 0% intro APR business credit card lets you pay off purchases over time without interest. The best options pair long interest-free terms with rewards that benefit you after those periods end.
Apply nowBest 0% APR Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card on Chase's website |  BEST SMALL BUSINESS CREDIT CARD OF 2025 | $0 | 1.5% Cashback | $750 | on Chase's website | |
| Pros
Cons
| ||||||
 The American Express Blue Business Cash™ Card on American Express' website | New businesses spending less than $50,000 | $0 | 1%-2% Cashback | $250 | on American Express' website | |
| Pros
Cons
| ||||||
 Ink Business Cash® Credit Card on Chase's website | Up to 5% cash back | $0 | 1%-5% Cashback | $350 | on Chase's website | |
| Pros
Cons
| ||||||
 U.S. Bank Triple Cash Rewards Visa® Business Card on U.S. Bank's website | Up to 3% back in bonus categories (with no cap) | $0 | 1%-5% Cashback | $500 | on U.S. Bank's website | |
| Pros
Cons
| ||||||
 The Blue Business® Plus Credit Card from American Express on American Express' website | AmEx rewards points | $0 | 1x-2x Points | 15,000 Points | on American Express' website | |
| Pros
Cons
| ||||||
 Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card on Bank of America's website | Up to 2.62% cash back on everything | $0 | 1.5% Cashback | $300 | on Bank of America's website | |
| Pros
Cons
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 Bank of America® Business Advantage Travel Rewards World Mastercard® credit card on Bank of America's website | Travel rewards | $0 | 1.5x Points | 30,000 Points | on Bank of America's website | |
| Pros
Cons
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 American Express® Business Gold Card on American Express' website | 4X points on advertising, gas | $375 | 1x-4x Points | 100,000 Points | on American Express' website | |
| Pros
Cons
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Here are the best 0% APR business credit cards
2025 BEST CREDIT CARD
SMALL BUSINESS
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Overall 0% APR business credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for New businesses spending less than $50,000
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
on Chase's website
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% back in bonus categories (with no cap)
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for AmEx rewards points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Concerned about tariffs?
Many small-business owners are under increased economic stress and uncertainty following the latest tariff announcements. NerdWallet is here to help you find answers for whatever you're looking for. Here are some resources to help you get started:
- Need emergency funding? Consider a
business line of credit - Looking for fast access to working capital? Discover the
best working capital loans - Want tips on how to mitigate the impact of tariffs? Read
our guide
Other 0% business credit cards to consider
The following cards either have an intro APR period shorter than 12 months or aren't currently available through NerdWallet.
American Express® Business Gold Card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
PNC Visa® Business Credit Card
Wells Fargo Signify Business Cash℠ Card
How 0% APR business credit cards work
With a 0% APR business credit card, you’ll pay no interest on purchases for a specified number of months. You still need to pay the minimum due each billing cycle, though. Fail to do so, and you'll get hit with a penalty APR and likely have your interest-free period canceled.
When to consider a 0% APR business credit card
Almost any entrepreneur can benefit from a 0% APR business credit card. It's essentially an interest-free loan — at least for a little while. But these cards can be especially beneficial in the following instances:
- You're starting a new business. A 0% APR business card can be a good
business credit card for startups - You need to finance a large purchase.
Business loans - You have a pay-off plan. You have to pay the ongoing APR on any outstanding balance after an intro APR period ends — and those interest rates tend to be high. If you might take months or even years beyond an intro APR period to pay off your debt; using a credit card may be very expensive in the long run.
How to qualify for a 0% APR business credit card
You need a personal FICO score of at least 690 to qualify for most 0% APR business credit cards. Issuers will also ask about your annual revenue and time in businesses, but those play a smaller role in whether you're approved. New business owners with no established revenue can still be approved for a 0% business card.
Can your business use a 0% APR personal credit card?
Yes, you can use a 0% APR personal card for business expenses. You'll likely get a longer 0% APR window with a personal card versus a business card. Some personal cards offer 0% APR on balance transfers, too, which is very rare among business cards.
There are some downsides to consider, though. Financing a major business purchase on a 0% APR personal card could push your credit utilization higher and, as a result, lower your personal credit score. And incorporated businesses — LLCs, LLPs and corporations — could jeopardize their limited liability protections by using a card in their personal name for business expenses.
If a consumer credit card with 0% APR makes sense for your business, here are a couple to consider:
Wells Fargo Reflect® Card Chase Freedom Unlimited®
Notes from card issuers
Methodology
NerdWallet's business credit card team selects the best small-business credit cards
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.