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.
- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
💬 From our Nerds: Recent changes in these rankings
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.
- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
💬 From our Nerds: Recent changes in these rankings
Here are the best 0% APR business credit cards
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Overall 0% APR business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply now on Chase's website |
Best for sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 5.0/5 | $0 | 0% intro APR for 12 billing cycles on purchases | 18.49%-27.49% Variable APR | |
New businesses spending less than $50,000 The American Express Blue Business Cash™ Card | 4.7/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | |
AmEx rewards points The Blue Business® Plus Credit Card from American Express | 4.4/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | |
Up to 5% cash back Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% 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 | 4.4/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 17.99%-27.99% 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 | 3.6/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 17.99%-27.99% Variable APR | Apply now on Bank of America's website |
4X points on advertising, gas American Express® Business Gold Card | 4.6/5 | $375 | 0% intro APR on purchases for 6 months from the date of account opening | 18.99%-27.99% Variable APR | |
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Overall 0% APR business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply now on Chase's website |
Best for sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 5.0/5 | $0 | 0% intro APR for 12 billing cycles on purchases | 18.49%-27.49% Variable APR | |
New businesses spending less than $50,000 The American Express Blue Business Cash™ Card | 4.7/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | |
AmEx rewards points The Blue Business® Plus Credit Card from American Express | 4.4/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 17.99%-25.99% Variable APR | |
Up to 5% cash back Ink Business Cash® Credit Card Apply now on Chase's website | 4.8/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% 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 | 4.4/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 17.99%-27.99% 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 | 3.6/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 17.99%-27.99% Variable APR | Apply now on Bank of America's website |
4X points on advertising, gas American Express® Business Gold Card | 4.6/5 | $375 | 0% intro APR on purchases for 6 months from the date of account opening | 18.99%-27.99% Variable APR |
I'M INTERESTED IN:
Our pick for
Overall 0% APR business credit card
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
Best for sign-up bonus
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
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 $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 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.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
View Rates & Fees
Our pick for
New businesses spending less than $50,000
The American Express Blue Business Cash™ Card
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
The American Express Blue Business Cash™ Card
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.
- 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. 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
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
The Blue Business® Plus Credit Card from American Express
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.
- 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. 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
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 $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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
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 purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- 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 17.99% to 27.99% 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
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's website
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, 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 Preferred Rewards for Business Platinum Honors 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.
- 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 17.99% to 27.99% 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
4X points on advertising, gas
American Express® Business Gold Card
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
American Express® Business Gold Card
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
NerdWallet's editorial picks: Best 0% APR business credit cards
U.S. Bank Business Platinum Card
Ink Business Unlimited® Credit Card
Wells Fargo Signify Business Cash℠ Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Ink Business Cash® Credit Card
The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
American Express® Business Gold Card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
What 0% APR business credit cards do
When to consider a 0% APR business credit card
- 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’re building cash flow.
- You need to finance large purchases, but don’t qualify for small-business loans. 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.
- You have a pay-off plan. You have to pay the ongoing APR on any outstanding balance after an intro APR period ends — and those interest rates tend to be high. If you might take months or even years beyond an intro APR period to pay off your debt, using a credit card may be very expensive in the long run.
How to qualify for a 0% APR business credit card
Can your business use a 0% APR personal credit card?
- 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 17.74%, 24.24%, or 29.49% Variable APR
- U.S. Bank Visa® Platinum Card:0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.24%-29.24% Variable APR
- Chase Freedom Unlimited®:0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 20.49%-29.24% Variable APR