A business credit card with an 0% intro APR period offers no-interest financing. These cards can save you money on big-ticket items or high-interest debt by letting your small business pay them off over time without accruing interest.
All our picks have 0% APR periods from 9 to 18 months. But the best business credit cards benefit you long after that time ends — like sign-up bonuses, cash back or travel rewards as well. Here are our top choices:
- 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.
Below, you'll find additional cards with features that may be well suited to your business's unique needs.
You'll generally need a FICO score of at least 690 to qualify for these cards. For other credit ranges, check out our lists of business credit cards for bad credit (FICO below 630) and business credit cards for fair credit (FICO from 630 to 689). These cards likely won't include 0% intro APR periods, but they can help you establish business credit and earn other rewards.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
A business credit card with an 0% intro APR period offers no-interest financing. These cards can save you money on big-ticket items or high-interest debt by letting your small business pay them off over time without accruing interest.
All our picks have 0% APR periods from 9 to 18 months. But the best business credit cards benefit you long after that time ends — like sign-up bonuses, cash back or travel rewards as well. Here are our top choices:
- 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.
Below, you'll find additional cards with features that may be well suited to your business's unique needs.
You'll generally need a FICO score of at least 690 to qualify for these cards. For other credit ranges, check out our lists of business credit cards for bad credit (FICO below 630) and business credit cards for fair credit (FICO from 630 to 689). These cards likely won't include 0% intro APR periods, but they can help you establish business credit and earn other rewards.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Here are the best 0% APR business credit cards
Here are the best 0% APR business credit cards
Sort By
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
Apply now
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
Apply now
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
2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
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
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
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
Apply now
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
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
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
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
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
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
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
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
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
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
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
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
30,000
Points
Apply now
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
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
30,000
Points
Apply now
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
Our picks are ordered by the length of the intro APR period. Before applying, confirm details on the issuer’s website.
Ink Business Unlimited® Credit Card
Best for: Overall 0% APR business credit card
NerdWallet star rating:
4.9
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% Variable APR
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs. You earn 1.5%
cash back on every purchase, and the bonus offer is outstanding for a card with no annual fee: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
. Learn more and apply. Wells Fargo Signify Business Cash℠ Card
Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating: 5
Intro APR offer: 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 18.49% – 26.49%.
If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card is hard to beat — it's the only business credit card on our list to offer unlimited 2% cash back on all purchases with no annual fee. On top of that, you'll get a welcome offer and 12 months of an intro APR.
The American Express Blue Business Cash™ Card
Best for: Up to 2% cash back
NerdWallet star rating:
4.5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-27.49% Variable APR
The American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards and a strong rewards rate. 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. Terms Apply.
(see rates and fees). Learn more and apply.The Blue Business® Plus Credit Card from American Express
Best for: AmEx rewards points
NerdWallet star rating:
4.5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-27.49% Variable APR
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: Earn 2X 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. Terms apply.
(see rates and fees). Learn more and apply.Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating:
4.6
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR
The
Ink Business Cash® Credit Card
gives you bonus cash back in common business spending categories: 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
. The bonus is great, too: 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.
Learn more and apply. U.S. Bank Triple Cash Rewards Visa® Business Card
Best for: Sign-up bonus
NerdWallet star rating:
4.4
Intro APR offer:
0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
The
U.S. Bank Triple Cash Rewards Visa® Business Card
offers a long intro APR period on purchases with a competitive, relatively easy-to-earn sign-up bonus: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
This is also a solid cash-back card for small-business owners: Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
Plus, there's no annual fee. Learn more and apply.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for: Up to 2.62% cash back on everything
NerdWallet star rating:
4.6
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR
If your spending doesn't align with typical bonus categories, consider the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
. This card offers 1.5%
cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: Travel rewards
NerdWallet star rating:
4.2
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a rare travel card that offers a 0% APR intro period. This card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.With a 0% APR business credit card, you’ll pay no interest on a specified number of months or billing cycles. Depending on the card, that could be nine, 12 or even 18 months. During that time, you won’t be charged interest even if you don’t pay off the card in full every month.
You must still make a monthly payment, though. Failing to do so could let the issuer not only terminate your interest-free period early, but also charge you a higher penalty APR. No matter when or how your intro period ends, interest will accrue on whatever balance remains — plus on any charges you carry going forward.
There's no rule against using personal credit cards for business expenses. And a personal credit card may offer you a longer 0% APR window than a business card can. But you'll want to be cautious if you go this route.
Personal cards can be an option for sole proprietors, as long as you don't mix business and personal expenses on it. You'll also want to pay attention to your credit score if you plan to finance a major business purchase that will potentially crunch your debt-to-income ratio. Incorporated businesses — LLCs, LLPs and corporations — should avoid using a card in their personal name for business expenses altogether, as it could jeopardize their limited liability protections.
If a consumer credit card with 0% APR makes sense for your business, here are a few to consider:
- 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
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 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.
In general, you’ll need good or excellent personal credit to qualify for most business credit cards. That’s especially true for those with a 0% intro APR.
Business credit card issuers generally perform a hard credit check when reviewing your application, which can temporarily affect your personal credit score. Review each card issuer’s guidelines and focus your search on cards you’re likely to qualify for.
Also, know that business credit cards require personal guarantees, which means you’ll be on the hook for any debt your business can’t pay. That’s especially important to keep in mind if you plan to use an interest-free period to finance big-ticket items.
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Information for the
Capital One Spark Cash Select for Good Credit
not reviewed by or provided by Capital One.To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.Last updated on
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
