Best 0% APR Business Credit Cards of August 2025

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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Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Capital One Venture X Business

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

Miles

on Capital One's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Ink Business Preferred® Credit Card

Annual fee
$95

Rewards rate
1x-3x

Points

Intro offer
90,000

Points

on Chase's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Capital One Spark Miles for Business

Annual fee
$0 intro for the first year, then $95

Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

on Capital One's website

Best of awards Nerdwallet's badge 2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$750

on Chase's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Annual fee
$0

Rewards rate
1.5%

Cashback

Intro offer
$300

on Bank of America's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Capital One Spark Cash

Annual fee
$0 intro for the first year, then $95

Rewards rate
2%-5%

Cashback

Intro offer
$1,500

on Capital One's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Ramp Card

Annual fee
$0

Rewards rate
1%-1.5%

Cashback

Intro offer
$250

on Ramp's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

Brex Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
10,000

Points

on Brex's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

BILL Divvy Corporate Card

Annual fee
$0

Rewards rate
1x-7x

Points

Intro offer
N/A

on BILL Spend & Expense's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

Capital on Tap Business Credit Card

Annual fee
$0

Rewards rate
1.5%

Intro offer
N/A

on Capital on Tap's website

or get back to the for more options

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Is a 0% intro APR period a priority for you?

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Here are the best 0% APR business credit cards

Best of awards Nerdwallet's badge 2025 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%

Cashback

Intro offer
$750

on Chase's website

Best of awards Nerdwallet's badge

2025 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%

Cashback

Intro offer
$750

on Chase's website

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

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

Ink Business Cash® Credit Card

Best for Up to 5% cash back

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

Ink Business Cash® Credit Card

Best for Up to 5% cash back

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$350

on Chase's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Up to 3% back in bonus categories (with no cap)

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Up to 3% back in bonus categories (with no cap)

Annual fee
$0

Rewards rate
1%-5%

Cashback

Intro offer
$500

on U.S. Bank's website

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

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

Other good 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 for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR.
NerdWallet star rating: 5
This is the only business credit card from a major issuer to offer unlimited 2% cash back on all purchases with no annual fee. But you can't apply online if you're not an existing Wells Fargo customer.

Additional business cards we considered

NerdWallet's small-business team tracks more than 40 business credit cards. To make our picks, we first eliminated any cards without 0% intro APR periods. From there, we cut those with intro APR periods fewer than 12 months.
The following cards either missed that mark or lack other standout features. We didn't include them as a result.
Intro APR offer: 0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.49%-29.24% Variable APR.
NerdWallet star rating: 4.3
This card's annual fee is $375. Premium cards like this don't typically offer a 0% intro APR period. So while short, its six months of interest-free financing is noteworthy. You can also earn up to 4X points on advertising, software, gas stations, restaurants, transit and wireless service (only purchases made in the U.S. qualify). Terms apply.
Intro APR offer: 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR.
NerdWallet star rating: 4.2
This card's 0% APR intro period is less than a year. It's also one of the only travel rewards cards to offer such a perk, though.
Intro APR offer: 0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR.
NerdWallet star rating: 4.6
This card earns stellar cash back if you qualify for Bank of America's Preferred Rewards for Business program.
Intro APR offer: 0% intro APR on Purchases and Balance Transfers for 12 billing cycles, and then the ongoing APR of 16.99%-25.99% Variable APR.
NerdWallet star rating: 1.2
This card previously had an industry-leading 18-month intro APR period. Now, it's 12. With no ongoing rewards, it's primary benefit is for balance transfers.

How to choose 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.

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 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, PNC Visa® Business Credit Card's is the longest. It lasts 13 months.
Here's a look by card:
Card
Intro Period
Purchases/Balance Transfers
Ongoing Variable APR
PNC Visa® Business Credit Card
13 months
Purchases and balance transfers
16.24% - 26.24%
U.S. Bank Business Platinum Card
12 months
Purchases and balance transfers
16.99% - 25.99%
Wells Fargo Signify Business Cash℠ Card
12 months
Purchases
17.49% - 25.49%
Ink Business Unlimited® Credit Card
12 months
Purchases
17.49% - 23.49%
The American Express Blue Business Cash™ Card
12 months
Purchases
17.49% - 27.49%
Ink Business Cash® Credit Card
12 months
Purchases
17.49% - 25.49%
The Blue Business® Plus Credit Card from American Express
12 months
Purchases
17.49% - 27.49%
U.S. Bank Triple Cash Rewards Visa® Business Card
12 months
Purchases and balance transfers
17.99% - 26.99%
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
9 months
Purchases
17.49% - 27.49%
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
9 months
Purchases
17.49% - 27.49%
American Express® Business Gold Card
6 months
Purchases
18.49% - 29.24%

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 17.24%, 23.74%, or 28.99% Variable APR
  • Chase Freedom Unlimited® : 0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.99%-28.49% 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.
Notes from card issuers
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
To view rates and fees of the American Express® Business Gold Card, see this page.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
Last updated on July 30, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards 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). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.