Best 0% Credit Cards for Business
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On the whole, business credit cards aren't quite as generous with introductory 0% interest periods as their consumer-oriented counterparts. While many consumer cards offer 0% periods of 15 months or more, business cards rarely go longer than nine months to a year. Still, if you're looking to finance a big purchase for your business or transfer high-interest debt, you can get a break from interest with these cards. All of the cards below charge no annual fee.
U.S. Bank Business Platinum
0% intro APR period on purchases and balance transfers: 20 billing cycles
The zero percent introductory APR period on the U.S. Bank Business Platinum is several months longer than what you'll find on competing cards, and it applies not just to purchases, but also to balance transfers. You won't get rewards, and it's not the best choice for spending abroad, given its 3% foreign transaction fee. But if you're looking for a lot of breathing room, here's your card.
Annual Fee
$0
Rewards Rate
N/A
Intro offer
N/A
Recommended Credit Score
- 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*
- No annual fee*
- Free employee cards
- Zero fraud liability* protects you against unauthorized transactions
Pros
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
- Needs excellent credit
Ink Business Unlimited® Credit Card
0% intro APR period on purchases: 12 months
The Ink Business Unlimited® Credit Card is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards. You earn 1.5% cash back on every purchase, and the bonus offer is outstanding for a $0-annual-fee card: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Annual Fee
$0
Rewards Rate
1.5x
Cashback
Intro offer
$750
Recommended Credit Score
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
Pros
- High rewards rate
- No annual fee
- Intro APR period on Purchases
Cons
- Has foreign transaction fee
Discover it® Business Card
0% intro APR period on purchases: 12 months
The Discover it® Business Card has a lot in common with the Ink Business Unlimited® Credit Card. It, too, offers 1.5% cash back on all purchases, and it has a comparable 0% intro period. But instead of an upfront cash bonus, you get Discover's signature bonus offer, which it describes this way: "Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™."
Annual Fee
$0
Rewards Rate
1.5%
Cashback
Intro offer
Cashback Match™
Recommended Credit Score
- INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
- Earn 1.5% cash back on every dollar spent on all purchases.
- Redeem your cash back for any amount, any time. Your rewards never expire.
- Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
- Add up to 50 free employee cards.
- No annual fee.
- 100% U.S. based customer service. Talk to a real person at any time, day or night.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Pros
- High rewards rate
- No annual fee
- No foreign transaction fee
Ink Business Cash® Credit Card
0% intro APR period on purchases: 12 months
The Ink Business Cash® Credit Card gives you bonus cash back in common business spending categories: 5% back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account year; 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account year; and 1% on other purchases. The bonus is great, too: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Rewards Rate
1x-5x
Cashback
Intro offer
$750
Recommended Credit Score
- Earn $750 bonus cash back after you spend $7,500 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
- 0% introductory APR for 12 months on purchases
- Employee cards at no additional cost
- No Annual Fee
Pros
- No annual fee
- Intro APR period on Purchases
- High rewards rates in certain categories
- Sign-up bonus
Cons
- Requires good/excellent credit
- Spending caps in bonus categories
- Low rewards rate outside bonus categories
American Express Blue Business Cash™ Card
0% intro APR period on purchases: 12 months
The American Express Blue Business Cash™ Card shines with one of the better 0% intro periods among business cards. As for rewards, you'll earn 2% cash back on the first $50,000 in eligible purchases each year and 1% after that. Your rewards are applied to your statement automatically. Terms apply. This card has no bonus offer, though.
Annual Fee
$0
Rewards Rate
1%-2%
Cashback
Intro offer
N/A
Recommended Credit Score
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- View Rates and Fees
Pros
- High rewards rate
- No annual fee
Cons
- Annual spending cap
The Blue Business® Plus Credit Card from American Express
0% intro APR period on purchases: 12 months
The Blue Business® Plus Credit Card from American Express is a virtual twin of the American Express Blue Business Cash™ Card. The key difference: It earns AmEx Membership Rewards points rather than cash back: 2 points per dollar on up to $50,000 in eligible purchases each year, and 1 point per dollar after that. Terms apply.
Annual Fee
$0
Rewards Rate
1x-2x
Points
Intro offer
N/A
Recommended Credit Score
- 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.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- View Rates and Fees
Pros
- High rewards rate
- No annual fee
Other options
Several cards offer 0% intro APR periods of less than a year. For the cards below, the 0% period applies only to purchases, not balance transfers. All of these options have no annual fee.
Capital One Spark Cash Select for Business: 0% intro APR period on purchases — 9 months.
Capital One® Spark® Miles Select for Business: 0% intro APR period on purchases — 9 months.
Bank of America® Business Advantage Cash Rewards Mastercard® credit card: 0% intro APR period on purchases — 9 billing cycles.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: 0% intro APR period on purchases — 9 billing cycles.
U.S. Bank Business Cash Rewards World Elite™ MasterCard®: 0% intro APR period on purchases — 15 billing cycles
Bank of America® Platinum Plus® Mastercard® Business credit card: 0% intro APR period on purchases — 7 billing cycles
To view rates and fees of the American Express Blue Business Cash™ Card, please visit this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this page.
Methodology
NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
