- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
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Here are the best 0% APR business credit cards
Here are the best 0% APR business credit cards
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Cashback
on U.S. Bank's website
Rates & Fees
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 Best for sign-up bonus
Cashback
on U.S. Bank's website
Rates & Fees
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
Cashback
on Chase's website
Rates & Fees
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
Cashback
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Cashback
on American Express' website
Rates & Fees
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 Up to 2% cash back
Cashback
on American Express' website
Rates & Fees
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
Points
Points
on American Express' website
Rates & Fees
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
Points
Points
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Cashback
on Chase's website
Rates & Fees
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
Cashback
on Chase's website
Rates & Fees
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
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Up to 2.62% cash back on everything
Cashback
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for Up to 2.62% cash back on everything
Cashback
on Bank of America's website
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for Travel rewards
Points
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for Travel rewards
Points
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Ink Business Unlimited® Credit Card
Wells Fargo Signify Business Cash℠ Card
The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
Ink Business Cash® Credit Card
U.S. Bank Triple Cash Rewards Visa® Business Card
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
- Wells Fargo Reflect® Card:0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.24%, 23.74%, or 28.99% Variable APR
- Chase Freedom Unlimited®:0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.99%-28.49% Variable APR
- You're starting a new business. A 0% APR business card can be a good business credit card for startups. You can use these cards to finance business expenses while you’re building cash flow.
- You need to finance large purchases, but don’t qualify for small-business loans. Business loans charge interest from the start. So even if you can qualify for one, using a credit card with a 0% APR intro offer and paying it off quickly may be a cheaper form of financing.
- You already have business credit card debt. A balance transfer business credit card may allow you to move your balance to a card with a lower interest rate, though 0% APR business cards that allow you to transfer a balance and not accrue interest are somewhat rare.
- 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.