Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business credit card with a 0% intro APR period lets you pay purchases off over time without accruing interest, which can save a substantial amount. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months but zero additional perks or rewards. Instead, consider the other business credit cards on this list, which offer top-rate ongoing rewards that will benefit you long after their intro period ends.Best 0% APR business credit cards
- American Express® Business Gold Card: Best for 4X points on advertising, gas.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for up to 2.62% cash back on everything.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for travel rewards.
- Ink Business Unlimited® Credit Card: Best for overall 0% APR business credit card
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx reward points.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for up to 3% back in bonus categories (with no cap).
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for 0% intro APR cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
💬 From our Nerds: Recent changes in these rankings
“The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
previously held the top spot on this page in 2024, but the issuer made some changes that bumped them down our list. "As of the middle of last year, U.S. Bank’s intro APR offers no longer apply to balance transfers. Beyond that, this card formerly bested competitors with a 15-month intro APR offer. It now falls in line with them with a 12-month offer."
— Rosalie Murphy, lead writer covering small business
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business credit card with a 0% intro APR period lets you pay purchases off over time without accruing interest, which can save a substantial amount. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months but zero additional perks or rewards. Instead, consider the other business credit cards on this list, which offer top-rate ongoing rewards that will benefit you long after their intro period ends.Best 0% APR business credit cards
- American Express® Business Gold Card: Best for 4X points on advertising, gas.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for up to 2.62% cash back on everything.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for travel rewards.
- Ink Business Unlimited® Credit Card: Best for overall 0% APR business credit card
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx reward points.
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for up to 3% back in bonus categories (with no cap).
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for 0% intro APR cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
💬 From our Nerds: Recent changes in these rankings
“The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
previously held the top spot on this page in 2024, but the issuer made some changes that bumped them down our list. "As of the middle of last year, U.S. Bank’s intro APR offers no longer apply to balance transfers. Beyond that, this card formerly bested competitors with a 15-month intro APR offer. It now falls in line with them with a 12-month offer."
— Rosalie Murphy, lead writer covering small business
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best 0% APR business credit cards
| Best for | NerdWallet rating▼ | Intro offer | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
Overall 0% APR business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | $750 | 0% intro APR on Purchases for 12 months | 17.74%-23.74% Variable APR | Apply now on Chase's website | |
Up to 3% back in bonus categories (with no cap) U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on U.S. Bank's website Rates & Fees | $750 | 0% intro APR for 12 billing cycles on purchases | 17.99%-26.99% Variable APR | Apply now on U.S. Bank's website Rates & Fees | |
New businesses spending less than $50,000 The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | $250 | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-25.49% Variable APR | Apply now on American Express' website Rates & Fees | |
AmEx rewards points The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 15,000 Points | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-25.49% Variable APR | Apply now on American Express' website Rates & Fees | |
Up to 5% cash back Ink Business Cash® Credit Card Apply now on Chase's website | $350 | 0% intro APR on Purchases for 12 months | 17.74%-25.74% Variable APR | Apply now on Chase's website | |
Up to 2.62% cash back on everything Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | $300 | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website | |
Travel rewards Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 30,000 Points | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website | |
4X points on advertising, gas American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 100,000 Points | 0% intro APR on purchases for 6 months from the date of account opening | 18.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees | |
I'M INTERESTED IN:
Our pick for
Overall 0% APR business credit card
Ink Business Unlimited® Credit Card
Your rating
Your rating
Read Review
Apply now
on Chase's website
Intro offer
$750
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Intro offer
$750
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
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
- Member FDIC
Our pick for
Up to 3% back in bonus categories (with no cap)
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Your rating
Your rating
Intro offer
$750
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
17.99%-26.99% Variable APR
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Intro offer
$750
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
17.99%-26.99% Variable APR
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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.- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 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.
- 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.
View Rates & Fees
Our pick for
New businesses spending less than $50,000
The American Express Blue Business Cash™ Card
Your rating
Your rating
Intro offer
$250
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-25.49% Variable APR
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Intro offer
$250
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-25.49% Variable APR
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
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, 17.49% – 25.49%, 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.
- 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
View Rates & Fees
Our pick for
AmEx rewards points
The Blue Business® Plus Credit Card from American Express
Your rating
Your rating
Intro offer
15,000 Points
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-25.49% Variable APR
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Intro offer
15,000 Points
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-25.49% Variable APR
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
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, 17.49% - 25.49%, 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.
View Rates & Fees
Our pick for
Up to 5% cash back
Ink Business Cash® Credit Card
Your rating
Your rating
Read Review
Apply now
on Chase's website
Intro offer
$350
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% Variable APR
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 offer
$350
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% Variable APR
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
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 $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- 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
- 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
Up to 2.62% cash back on everything
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Your rating
Your rating
Read Review
Apply now
on Bank of America's website
Intro offer
$300
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.49%-27.49% Variable APR