A business credit card with a long 0% APR period can help small-business owners finance a big purchase or pay off high-interest debt without interest. The challenge: Few business cards offer 0% periods longer than nine months to a year and those that do rarely include balance transfers.
The business credit cards listed below are the exception. Each card has a 0% APR period of at least a year, with some as long as 15 to 20 months, and several include balance transfers in the intro APR offer.
All of our picks for the best 0% APR business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
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.
Featured Partner
Capital One Spark Cash Plus
Apply now
on Capital One's website
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Our Nerdy picks for
Here are the best 0% APR business credit cards from our partners
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website | 4.9/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | Apply now on American Express' website Rates & Fees |
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 17.74%-23.74% Variable APR | Apply now on Chase's website |
Ink Business Cash® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 17.74%-23.74% Variable APR | Apply now on Chase's website |
American Express Blue Business Cash™ Card Apply now on American Express' website | 5.0/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | Apply now on American Express' website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website | 4.7/5 | $0 | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles | 18.49%-27.49% Variable APR | Apply now on US Bank's website Rates & Fees |
Capital One Spark Cash Select - 0% Intro APR for 12 Months Apply now on Capital One's website | 4.0/5 | $0 | 0% intro APR on Purchases for 12 months | 20.24%-28.24% Variable APR | Apply now on Capital One's website |
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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
Read Review
Apply now
on Chase's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $750 bonus cash back after you spend $6,000 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 purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.American Express Blue Business Cash™ Card
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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. Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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. American Express Blue Business Cash™ Card
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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. Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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, 17.99% - 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.99%-25.99% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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®
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.49% - 27.49%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- View Rates & Fees
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.Capital One Spark Cash Select - 0% Intro APR for 12 Months
Read Review
Apply now
on Capital One's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers 1.5
% cash back on all purchases but no sign-up bonus.Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers 1.5
% cash back on all purchases but no sign-up bonus.Capital One Spark Cash Select - 0% Intro APR for 12 Months
Read Review
Apply now
on Capital One's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers 1.5
% cash back on all purchases but no sign-up bonus.Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus offer
- 0% Intro APR for the first 12 months; 20.24% - 28.24% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 fraud liability if your card is lost or stolen
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers 1.5
% cash back on all purchases but no sign-up bonus.FULL LIST OF EDITORIAL PICKS: BEST 0% APR BUSINESS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.99%-25.99% 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.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
(see rates and fees). Learn more and apply.U.S. Bank Business Platinum Card
0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 Billing Cycles, and then the ongoing APR of 16.24%-25.24% 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. The downside: You won't get rewards, and it's not the best choice for spending abroad, given its 3% foreign transaction fee. 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.49%-27.49% 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.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.99%-25.99% 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.0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR
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 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. 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% 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. 0% intro APR on Purchases for 12 months, and then the ongoing APR of 20.24%-28.24% Variable APR
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
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. Learn more and apply.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® Miles Select for Business:0% on Purchases for 9 months, and then the ongoing APR of 13.99% - 23.99% Variable APR.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card:0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card:0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR.
- Bank of America® Platinum Plus® Mastercard® Business card:0% intro APR on Purchases for 7 billing cycles, and then the ongoing APR of 14.74%-25.74% Variable APR.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card:0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR.
- Wells Fargo Business Platinum Credit Card:0% intro APR on Purchases for 9 months, and then the ongoing APR of 11.24% - 21.24% Variable APR.
Last updated on March 23, 2023
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.