Many or all of the products featured here are from our partners who compensate us. This influences 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 while a long interest-free period may catch your eye, the best business cards will benefit you long after their intro offer ends.
Our picks have 0% APR intro periods from 9 to 18 months. Plus, they offer other benefits, like sign-up bonuses, cash back or travel rewards. If you plan to spend a lot on your card up front — and will continue to use it after the intro period ends — make sure to maximize your potential rewards.
But have a plan for when interest kicks in. If you don’t pay down the full balance by the end of the intro period, you’ll have to pay the credit card’s full APR on whatever’s left. Do the math to understand how much you’ll have to pay to avoid those extra interest costs — or how much you’ll have to pay in interest if you don’t.
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.
Many or all of the products featured here are from our partners who compensate us. This influences 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 while a long interest-free period may catch your eye, the best business cards will benefit you long after their intro offer ends.
Our picks have 0% APR intro periods from 9 to 18 months. Plus, they offer other benefits, like sign-up bonuses, cash back or travel rewards. If you plan to spend a lot on your card up front — and will continue to use it after the intro period ends — make sure to maximize your potential rewards.
But have a plan for when interest kicks in. If you don’t pay down the full balance by the end of the intro period, you’ll have to pay the credit card’s full APR on whatever’s left. Do the math to understand how much you’ll have to pay to avoid those extra interest costs — or how much you’ll have to pay in interest if you don’t.
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.
Here are the best 0% APR business credit cards from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn 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 Cash back on gas | $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 | 5.0/5 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 | 4.9/5 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 Cash back on office supplies | $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 | 4.3/5 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 | 3.7/5 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 |
Our pick for
Cash back on gas
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Intro APR
0% intro APR for 15 billing cycles on purchases and balance transfers
Regular APR
19.24%-28.24% Variable APR
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 for 15 billing cycles on purchases and balance transfers
Regular APR
19.24%-28.24% Variable APR
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
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- 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 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Sign-up bonus
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
18.49%-24.49% 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.Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
18.49%-24.49% 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.Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $900 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
Our pick for
Up to 2% cash back
The 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
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, 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
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, 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
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
AmEx rewards points
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
18.49%-26.49% Variable APR
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.Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
18.49%-26.49% Variable APR
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.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Cash back on office supplies
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
18.49%-24.49% Variable APR
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
18.49%-24.49% Variable APR
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 $900 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
Our pick for
Unlimited 1.5% cash back
Capital One Spark Cash Select for Good Credit
Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
21.24%-29.24% Variable APR
The
Capital One Spark Cash Select for Good Credit
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
21.24%-29.24% Variable APR
The
Capital One Spark Cash Select for Good Credit
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; 21.24% - 29.24% 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 for unauthorized charges
View Rates & Fees
Our pick for
Up to 2.62% cash back on everything
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
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
Apply now
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
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.
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No annual cap and cash rewards don’t expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Travel rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
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
Apply now
on Bank of America's website
Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
18.49%-28.49% Variable APR
This card's 0% APR intro period and solid sign-up bonus make it a contender for business owners seeking ongoing travel rewards.
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
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.
U.S. Bank Business Platinum Card
Best for: Balance transfers
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. The downside: You won't get rewards, and it's not the best choice for spending abroad, given its 3% foreign transaction fee. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Cash back on gas
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
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 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 $900 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
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
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: Cash back on office supplies
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 $900 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
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. 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
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 Preferred Rewards for Business tier — up to 2.62% — 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
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.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 period, 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?
These may be good business credit cards for startups. You can use them to finance your business expenses while you’re still building cash flow. However, you’ll have to pay the ongoing APR on the full balance after the intro APR period ends — so make sure you have a plan to begin paying down your debt then, if not sooner.
These cards are also a good choice for businesses that need to finance relatively large purchases but don’t qualify for small-business loans. And even if you do qualify for a business loan, a credit card with a 0% APR intro period may still 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 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.
Last updated on September 28, 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.