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8 Best 0% APR Business Credit Cards of February 2024

These business cards have intro APR periods ranging from 9 to 18 months.
By Kelsey Sheehy
Last updated on February 20, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 7 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

A business credit card with a 0% APR period can help small-business owners finance a big purchase or save on high-interest debt. But the best business credit cards will benefit you long after those intro offers end, with benefits like sign-up bonuses, cash back or travel rewards.
Our picks have 0% APR intro periods from 9 to 18 months. You won't accrue interest on purchases made during that time. Just aim to pay your card down in full before the intro period ends — otherwise, you'll have to pay the full APR on whatever balance remains.
You'll generally need a FICO score of at least 690 to qualify for these cards. For other options, check out our lists of business credit cards for bad credit and business credit cards for fair credit.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

A business credit card with a 0% APR period can help small-business owners finance a big purchase or save on high-interest debt. But the best business credit cards will benefit you long after those intro offers end, with benefits like sign-up bonuses, cash back or travel rewards.
Our picks have 0% APR intro periods from 9 to 18 months. You won't accrue interest on purchases made during that time. Just aim to pay your card down in full before the intro period ends — otherwise, you'll have to pay the full APR on whatever balance remains.
You'll generally need a FICO score of at least 690 to qualify for these cards. For other options, check out our lists of business credit cards for bad credit and business credit cards for fair credit.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best 0% APR business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Best overall 0% APR business card

$0

0% intro APR for 15 billing cycles on purchases and balance transfers

19.24%-28.24% Variable APR

Apply now

on US Bank's website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Sign-up bonus

$0

0% intro APR on Purchases for 12 months

18.49%-24.49% Variable APR

Apply now

on Chase's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Up to 2% cash back

$0

0% intro APR on purchases for 12 months from the date of account opening

18.49%-26.49% Variable APR

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for AmEx rewards points

$0

0% intro APR on purchases for 12 months from the date of account opening

18.49%-26.49% Variable APR

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back

$0

0% intro APR on Purchases for 12 months

18.49%-24.49% Variable APR

Apply now

on Chase's website

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

4.0/5

Best for Unlimited 1.5% cash back

$0

0% intro APR on Purchases for 12 months

21.24%-29.24% Variable APR

Apply now

on Capital One's website

Rates & Fees

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Up to 2.62% cash back on everything

$0

0% intro APR on Purchases for 9 billing cycles

18.49%-28.49% Variable APR

Apply now

on Bank of America's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for Travel rewards

$0

0% intro APR on Purchases for 9 billing cycles

18.49%-28.49% Variable APR

Apply now

on Bank of America's website

Credit cardNerdWallet ratingAnnual feeIntro APRRegular APRLearn more

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for Best overall 0% APR business card

$0

0% intro APR for 15 billing cycles on purchases and balance transfers

19.24%-28.24% Variable APR

Apply now

on US Bank's website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Sign-up bonus

$0

0% intro APR on Purchases for 12 months

18.49%-24.49% Variable APR

Apply now

on Chase's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Up to 2% cash back

$0

0% intro APR on purchases for 12 months from the date of account opening

18.49%-26.49% Variable APR

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for AmEx rewards points

$0

0% intro APR on purchases for 12 months from the date of account opening

18.49%-26.49% Variable APR

Apply now

on American Express' website

Rates & Fees

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Up to 5% cash back

$0

0% intro APR on Purchases for 12 months

18.49%-24.49% Variable APR

Apply now

on Chase's website

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

4.0/5

Best for Unlimited 1.5% cash back

$0

0% intro APR on Purchases for 12 months

21.24%-29.24% Variable APR

Apply now

on Capital One's website

Rates & Fees

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

4.7/5

Best for Up to 2.62% cash back on everything

$0

0% intro APR on Purchases for 9 billing cycles

18.49%-28.49% Variable APR

Apply now

on Bank of America's website

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

3.8/5

Best for Travel rewards

$0

0% intro APR on Purchases for 9 billing cycles

18.49%-28.49% Variable APR

Apply now

on Bank of America's website

I'M INTERESTED IN:

Our pick for

Best overall 0% APR business card

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat business credit card, with a long intro APR period (
15
months), a generous sign-up bonus and great cash-back rewards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Our pick for

Sign-up bonus

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

The
Ink Business Unlimited® Credit Card
offers a hard-to-beat sign-up bonus:
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Up to 2% cash back

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

The American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Our pick for

AmEx rewards points

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

The Blue Business® Plus Credit Card from American Express
is a virtual twin of the
The American Express Blue Business Cash™ Card
. The key difference: It earns AmEx Membership Rewards points rather than cash back.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Our pick for

Up to 5% cash back

Ink Business Cash® Credit Card

Apply now

on Chase's website

The
Ink Business Cash® Credit Card
gives you a long intro APR period, plus bonus cash back in common business spending categories, like gas stations and restaurants.

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Our pick for

Unlimited 1.5% cash back

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

In addition to its 0% intro APR period, the
Capital One Spark Cash Select for Good Credit
offers
1.5
% cash back on all purchases. But there's no sign-up bonus.

Capital One Spark Cash Select for Good Credit

NerdWallet rating 

4.0/5
Apply now

on Capital One's website

Our pick for

Up to 2.62% cash back on everything

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Apply now

on Bank of America's website

This card comes with a 0% APR intro period, plus an extra-high cash-back rewards rate for cardholders who also bank with Bank of America.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

Our pick for

Travel rewards

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Apply now

on Bank of America's website

This card's 0% APR intro period and solid sign-up bonus make it a contender for business owners seeking ongoing travel rewards.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

NerdWallet's editorial picks: Best 0% APR business credit cards

Our picks are ordered by the length of the intro APR period. Before applying, confirm details on the issuer’s website.

U.S. Bank Business Platinum Card

Best for: Balance transfers
NerdWallet star rating: 2.2
Intro APR offer:
0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.24%-26.24% Variable APR
The 0% introductory APR period on the
U.S. Bank Business Platinum Card
is far longer than what you'll find on competing cards, and it applies not just to purchases, but also to balance transfers. But the card has minimal value beyond the intro APR period due to its lack of rewards. Want a balance transfer business card with long-term value? Check out the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
below.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Best for: Overall 0% APR business card
NerdWallet star rating:
5
Intro APR offer:
0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers a long intro APR period that applies to purchases and balance transfers. This is also a solid cash-back card for small-business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
has a $
0
annual fee and a competitive welcome bonus. Learn more and apply.

Ink Business Unlimited® Credit Card

Best for: Sign-up bonus
NerdWallet star rating:
5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% 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.

The American Express Blue Business Cash™ Card

Best for: Up to 2% cash back
NerdWallet star rating:
4.9
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% 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:
4.9
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% 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 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. 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:
5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-24.49% 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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Learn more and apply.

Capital One Spark Cash Select for Good Credit

Best for: Unlimited 1.5% cash back
NerdWallet star rating:
4
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 21.24%-29.24% Variable APR
The
Capital One Spark Cash Select for Good Credit
also offers cash back:
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
This card does not offer a sign-up bonus, though, so consider another option if you want to use a 0% APR business card to finance a big purchase. (See rates and fees.) 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:
4.7
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% 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:
3.8
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 18.49%-28.49% Variable APR
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit 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.

Can your business use a 0% APR personal credit card?

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 cards 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 18.24%, 24.74%, or 29.99% Variable APR
  • BankAmericard® credit card
    :
    0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 billing cycles for any balance transfers made in the first 60 days, and then the ongoing APR of 16.24%-26.24% Variable APR
  • U.S. Bank Visa® Platinum Card
    :
    0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% Variable APR
  • Chase Freedom Unlimited®
    :
    0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR

What is a 0% APR business credit card?

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 15 months. During that time, you won’t be charged interest even if you don’t pay off the card in full every month.
If you don’t pay off your full balance by the end of the intro period, interest will begin to accrue on whatever remains — plus on any balance you carry going forward.

Who should use a 0% APR business credit card?

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 have to pay the ongoing APR on the full balance after the intro APR period ends, though, so make sure you have a plan to begin paying down your debt.
Businesses that need to finance relatively large purchases but don’t qualify for small-business loans could also benefit from a business card with a long intro APR period. Even if you do qualify for a business loan, a credit card with a 0% APR intro period may be a cheaper form of financing because business loans charge interest from the start.
But that’s only true if you pay off your full balance during the 0% APR intro period. Credit cards tend to charge higher ongoing APRs than business loans do. If you take months or years to pay off your purchases, using a credit card may be more expensive in the long run.
Have business credit card debt already? Consider a balance transfer business credit card. These cards 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.

Can you qualify for a 0% APR business credit card?

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.
To view rates and fees of
Capital One Spark Cash Select for Good Credit
, see this page.
Last updated on February 20, 2024

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.
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