Best 0% APR Business Credit Cards of April 2026
A 0% intro APR business credit card lets you pay off purchases over time without interest. The best options pair long interest-free terms with rewards that benefit you after those periods end.
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Best 0% APR business credit cards
Here are our complete picks, in alphabetical order:
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: 0% intro APR on Purchases for 7 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR.
- Ink Business Unlimited® Credit Card: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR.
- Ink Business Cash® Credit Card: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR.
- PNC Visa® Business Credit Card: 0% intro APR on Purchases and Balance Transfers for 13 months, and then the ongoing APR of 16.24% to 26.24% Variable APR.
- The American Express Blue Business Cash™ Card: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% Variable APR. Terms apply.
- The Blue Business® Plus Credit Card from American Express: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% Variable APR. Terms apply.
- U.S. Bank Triple Cash Rewards Visa® Business Card: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR.
- Wells Fargo Signify Business Cash® Card: 0% intro APR for 12 months from account opening on purchases and then the ongoing APR of 16.74%-24.74% Variable APR.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best 0% intro APR business cards based on their independent research and ratings.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall 0% APR business credit card
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The American Express Blue Business Cash™ Card
Best for New businesses spending less than $50,000
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
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 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
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
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR for balance transfers
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for Business travel card with 0% APR
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
50,000
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Wells Fargo Signify Business Cash® Card
Best for Flat-rate cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
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Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Overall 0% APR business credit card
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR
The Ink Business Unlimited® Credit Card offers a balance of simplicity and rewards that is hard to beat. There's a long intro APR period, a stellar rewards rate and an excellent sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% Variable APR
The Ink Business Unlimited® Credit Card offers a balance of simplicity and rewards that is hard to beat. There's a long intro APR period, a stellar rewards rate and an excellent sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The American Express Blue Business Cash™ Card
Best for New businesses spending less than $50,000
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% Variable APR
The American Express Blue Business Cash™ Card is a great option for new businesses with smaller budgets. You'll earn 2% back on the first $50,000 spent each year, then 1% after that. There's also a small but attainable welcome bonus, plus a yearlong intro APR period.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% Variable APR
The American Express Blue Business Cash™ Card is a great option for new businesses with smaller budgets. You'll earn 2% back on the first $50,000 spent each year, then 1% after that. There's also a small but attainable welcome bonus, plus a yearlong intro APR period.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
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 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
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% 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 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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 and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-26.74% 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 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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 and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
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
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% 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.
- Earn $750 when you spend $6,000 on purchases in the first three months after 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
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
Intro APR offer: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.74%-24.74% 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.
- Earn $750 when you spend $6,000 on purchases in the first three months after 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Intro APR for balance transfers
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
Intro APR offer: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR
The U.S. Bank Triple Cash Rewards Visa® Business Card is a triple-threat business credit card, with a solid intro APR period, a generous sign-up bonus and great cash-back rewards, including 3% on common business expenses. Plus, there's no cap on how much you can earn at that higher rate, which is rare among business cards with bonus categories.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- 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).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
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
Intro APR offer: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR
The U.S. Bank Triple Cash Rewards Visa® Business Card is a triple-threat business credit card, with a solid intro APR period, a generous sign-up bonus and great cash-back rewards, including 3% on common business expenses. Plus, there's no cap on how much you can earn at that higher rate, which is rare among business cards with bonus categories.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- 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).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
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
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for Business travel card with 0% APR
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
50,000
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Intro APR offer: 0% intro APR on Purchases for 7 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has a below-average intro APR term. That's even truer after the issuer shrunk the duration from nine to seven months in January 2026. Still, this is the only business travel card we track that has an intro APR offer in general.
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
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
Intro APR offer: 0% intro APR on Purchases for 7 billing cycles, and then the ongoing APR of 16.74%-26.74% Variable APR
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has a below-average intro APR term. That's even truer after the issuer shrunk the duration from nine to seven months in January 2026. Still, this is the only business travel card we track that has an intro APR offer in general.
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
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
Wells Fargo Signify Business Cash® Card
Best for Flat-rate cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
Intro APR offer: 0% intro APR for 12 months from account opening on purchases and then the ongoing APR of 16.74%-24.74% Variable APR
This is the only business credit card from a major issuer to offer unlimited 2% cash rewards on all purchases with no annual fee.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
Intro APR offer: 0% intro APR for 12 months from account opening on purchases and then the ongoing APR of 16.74%-24.74% Variable APR
This is the only business credit card from a major issuer to offer unlimited 2% cash rewards on all purchases with no annual fee.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
Jump to
Other top 0% business credit cards
How we chose the best 0% intro APR business cards
What is a 0% APR business credit card?
How to pick a 0% APR business credit card
How long are 0% intro APR periods for business cards?
Can your business lose its intro APR?
How do you qualify for a 0% APR business credit card?
Can your business get a 0% intro APR with a high limit?
Does a 0% intro APR business card affect your credit?
Who should get a 0% APR business credit card?
Who shouldn't get an intro APR card?
Can your business use a 0% APR personal credit card?
Table of contents
- Other top 0% business credit cards
- How we chose the best 0% intro APR business cards
- What is a 0% APR business credit card?
- How to pick a 0% APR business credit card
- How long are 0% intro APR periods for business cards?
- Can your business lose its intro APR?
- How do you qualify for a 0% APR business credit card?
- Can your business get a 0% intro APR with a high limit?
- Does a 0% intro APR business card affect your credit?
- Who should get a 0% APR business credit card?
- Who shouldn't get an intro APR card?
- Can your business use a 0% APR personal credit card?
Other top 0% business credit cards
The following cards aren't available through NerdWallet. But we'd still recommend them if they meet your needs.
Intro APR offer: 0% APR for the first 13 months on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening. Then an ongoing variable APR of 16.24% to 26.24%.
NerdWallet star rating: 3.5
Few business credit cards offer a 0% intro APR period of balance transfers. The PNC Visa Business Credit Card is one of them. The card doesn't earn rewards, so its utility is limited. Still, it's a great option to consolidate and pay off high-interest business credit card debt. Note: You need to be a PNC business checking customer to apply online.
Intro APR offer: 0% intro APR on purchases and balance transfers for 12 billing cycles, and then the ongoing variable APR of 16.24% - 25.24%.
NerdWallet star rating: This card is not yet rated.
U.S. Bank launched this card in February 2026. For intro APR enthusiasts, it came out swinging — especially if you apply at a U.S. Bank branch. Doing so bumps the offer from a competitive 12 months to an industry-leading 18 months. U.S. Bank has 2,000 branches in 26 states.
Beyond the intro APR, this card doesn't have much in terms of ongoing rewards. If U.S. Bank isn't in your area, you can find better overall cards with similar 12-month intro APR offers.
How we chose the best 0% intro APR business cards
NerdWallet's editorial team tracks more than 70 business credit cards. Our writers and editors chose the best 0% APR offers by:
- Finding cards in our dataset with 0% intro APR periods.
- Cutting those with intro APR periods fewer than 12 months.
- Eliminating cards that met that mark, but lacked other standout features.
- Looking at our overall rating for remaining cards (based on its fees, perks, etc.).
We only included cards with intro APRs on purchases, or on purchases plus balance transfers. If you're interested in just balance transfers, we have a dedicated list of the best business cards for balance transfers. But our top choice (the U.S. Bank Triple Cash Rewards Visa® Business Card) made the cut here, too.
We focus on cards available to most business owners. But look at local bank offerings as well. These may lack bells and whistles like hefty sign-up bonuses. They tend to have lower ongoing APRs, though. For instance, the Truist Business Card's starts at just 14.49%. And the M&T Bank Business Credit Card caps out at 21.49%. (Jump to intro APR details.)
We looked at the following cards with 0% intro APRs to make our picks (listed alphabetically by name):
B
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. Bank of America® Platinum Plus® Mastercard® Business card.
F
First Citizens Bank’s Low-Interest Business credit card. First Entertainment Visa Platinum Business Card.
I
Ink Business Cash® Credit Card. Ink Business Unlimited® Credit Card.
M
M&T Bank Business Credit Card.
S
State Farm Business Cash Rewards Visa Signature® Card.
T
TD Business Solutions Credit Card. The American Express Blue Business Cash™ Card. The Blue Business® Plus Credit Card from American Express. Truist Business Card. Truist Business Cash Rewards Card.
U
U.S. Bank Business Platinum Card. U.S. Bank Business Shield™ Visa® Card. U.S. Bank Triple Cash Rewards Visa® Business Card.
V
Valley Bank Visa® Secured Business Credit Card.
W
Wells Fargo Signify Business Cash® Card.
🧾 Important product updates
February 2026: U.S. Bank launched the U.S. Bank Business Shield™ Visa® Card with an intro APR period of up to 18 months. We added this to our list of "other top 0% business cards" worth considering.
January 2026: Bank of America shortened the (already short) 0% intro APR periods across its portfolio. You'll now get seven months instead of nine for the following cards:
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
July 2025: AmEx eliminated the 0% intro APR benefit for the American Express® Business Gold Card. We previously listed this as a top option for earning points on advertising and gas.
May 2025: U.S. Bank shrunk the intro period from 18 months to 12 for the U.S. Bank Business Platinum Card. That previously stood out as the longest available.
What is a 0% APR business credit card?
A business credit card with 0% intro APR doesn't charge you interest for a set time. That period starts when you open your card. No-interest financing is a benefit for new cardholders.
For business cards, intro APR periods typically apply to new purchases only. Cash advances aren't eligible. A few cards extend this perk to balance transfers. The U.S. Bank Triple Cash Rewards Visa® Business Card is our current top pick for balance transfer business cards.
How to pick a 0% APR business credit card
Answering these questions can help you decide:
- What does the intro period apply to? Most business cards go toward new purchases only. You have fewer options for balance transfers.
- How long is the intro period? Longer is better. Twelve months is most common for business cards. If you plan to transfer a balance, see how long you have to do so as well. More than a month is ideal.
- What's the ongoing APR? You'll pay this rate on any remaining balance after the intro period ends. You won't know your APR until you're approved. But don't overlook these ranges when applying.
- Are there fees? None of our top picks have annual fees. You should expect a fee if you plan to transfer a balance, though. Usually, that's at least a 3% of the amount you transfer.
- Is there a sign-up bonus? Do you plan to use the card for a major purchase? Check the intro offer's details. It may be easy to snag.
- Will you use the card after the intro period? Look at the card's features and rewards. Are they useful for your business in the long run? It's no deal-breaker if they aren't. But this can boost one card over another.
How long are 0% intro APR periods for business cards?
Twelve months is most common for business cards. But lengths vary.
Among the cards we cover, the U.S. Bank Business Shield™ Visa® Card's is technically the longest. It lasts up to 18 months. But "up to" is doing some heavy lifting. You need to apply in-branch to get that offer. Applying online will net you a 12-month intro APR.
Here's a look by card. Rates current as of Feb. 24, 2026.
| Card | 0% Intro APR Period | Purchases/Balance Transfers | Ongoing Variable APR |
|---|---|---|---|
| U.S. Bank Business Shield™ Visa® Card | Up to 18 months | Purchases and balance transfers | 16.24% - 25.24% |
| PNC Visa® Business Credit Card | 13 months | Purchases and balance transfers | 15.74% - 25.74% |
| Truist Business Card | 12 months | Purchases | 13.74% - 22.74% |
| M&T Bank Business Credit Card | 12 months | Purchases and balance transfers | 13.74% - 20.74% |
| First Entertainment Visa Platinum Business Card | 12 months | Purchases and balance transfers | 14.24% - 21.90% |
| First Citizens Bank’s Low-Interest Business credit card | 12 months | Purchases and balance transfers | 13.49% - 22.49% |
| Wells Fargo Signify Business Cash® Card | 12 months | Purchases | 16.74% - 24.74% |
| Ink Business Unlimited® Credit Card | 12 months | Purchases | 16.74% - 24.74% |
| The American Express Blue Business Cash™ Card | 12 months | Purchases | 16.74% - 26.74% |
| Ink Business Cash® Credit Card | 12 months | Purchases | 16.74% - 24.74% |
| The Blue Business® Plus Credit Card from American Express | 12 months | Purchases | 16.74% - 26.74% |
| U.S. Bank Triple Cash Rewards Visa® Business Card | 12 months | Purchases and balance transfers | 17.24% - 26.24% |
| State Farm Business Cash Rewards Visa Signature® Card | 12 months | Purchases and balance transfers | 17.49% - 26.49% |
| TD Business Solutions Credit Card | 12 months | Purchases | 17.49% - 27.49% |
| Truist Business Cash Rewards Card | 9 months | Purchases | 15.74% - 24.74% |
| Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card | 7 months | Purchases | 16.74%-26.74% |
| Bank of America® Business Advantage Travel Rewards World Mastercard® credit card | 7 months | Purchases | 16.74%-26.74% |
| Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card | 7 months | Purchases | 16.74%-26.74% |
| Valley Bank Visa® Secured Business Credit Card | 6 months | Purchases | 14.45% - 25.75% |
Can your business lose its intro APR?
Yes. You can avoid interest with these cards. But you still need to pay them.
Each billing cycle, you'll need to make at least a minimum payment. The issuer can cancel your 0% APR period if you don't. Even worse? They may hit you with a penalty APR, too.
Penalty APRs often reach 29.99%. That rate will apply to your outstanding balance. This can increase the amount you repay.
How do you qualify for a 0% APR business credit card?
You need a personal FICO score of at least 690 to get most 0% APR business credit cards. Applications will ask about your annual revenue and time in businesses. But those play a smaller role in approval.
New business owners with no established revenue can still get a 0% business card. All business types are typically eligible, but confirm a card's details. Nonprofits can't get the Wells Fargo Signify Business Cash® Card, for instance.
Can your business get a 0% intro APR with a high limit?
Most of the highest-limit business cards don't have intro APRs. These are often charge cards or corporate cards. You pay them in full each billing cycle.
But credit limits vary by applicant. This is why card providers ask for info like revenue. They want to ensure you have the cash flow to pay off potential spending.
Issuers sometimes publish a minimum limit. For instance, that's $3,000 for the Ink Business Unlimited® Credit Card. Chase says those applicants could get more than $25,000, though. Those higher limits require additional documentation.
Your spending power can also grow over time. A 0% intro APR period often lasts a year. That gives you plenty of opportunity to request a credit limit increase.
Does a 0% intro APR business card affect your credit?
Applying for a 0% intro APR business card will ding your personal credit. That's temporary.
After that, most business credit cards only affect your personal credit if you don't pay them. Capital One is a notable exception. But they don't currently have any 0% intro APR business cards.
You can put a large purchase on these business cards and pay it off over your intro APR period. Doing so shouldn't impact your personal credit score.
That's the case even if you opt to "stack" credit cards. This strategy involves opening multiple cards at once, often prioritizing those with 0% intro APR. You need a strong pay-off plan with this approach.
Who should get a 0% APR business credit card?
Almost any entrepreneur can benefit from a 0% APR business credit card. It's essentially an interest-free loan — for a while. But these cards can be especially useful 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 build cash flow.
- You need to finance a large purchase. 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.
Who shouldn't get an intro APR card?
Businesses without a pay-off plan. The main downside of an intro APR is it ends. You pay the ongoing APR on any outstanding balance after that point.
Those rates tend to be high. If you take months or even years to pay off that debt, using a credit card may prove very expensive. In that instance, a business line of credit may make more sense.
These business cards also require a personal guarantee. That means you promise to pay the balance if your business can't.
Can your business use a 0% APR personal credit card?
Yes, you can use a 0% APR personal card for business expenses. You'll likely get a longer window with a personal card. More offer 0% APR on balance transfers, too. Here are a couple options:
- 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 17.49%, 23.99%, or 28.24% Variable APR
- Chase Freedom Unlimited®: 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.24%-27.74% Variable APR
This approach also has downsides. Financing a major business purchase on a 0% APR personal card will impact your personal credit. It could push your credit utilization higher and, as a result, lower your credit score.
Incorporated businesses — LLCs, LLPs and corporations — must be more careful. They could jeopardize their limited liability protections by using a card in their personal name for business expenses.
» MORE: Explore 0% APR consumer cards.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.