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6 Best 0% APR Business Credit Cards of February 2023

By Kelsey Sheehy
Last updated on February 3, 2023
Edited byRyan Lane

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

A business credit card with a long 0% APR period can help small-business owners finance a big purchase or pay off high-interest debt without interest. The challenge: Few business cards offer 0% periods longer than nine months to a year and those that do rarely include balance transfers.
The business credit cards listed below are the exception. Each card has a 0% APR period of at least a year, with some as long as 15 to 20 months, and several include balance transfers in the intro APR offer.
All of our picks for the best 0% APR business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Featured Partner 

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Here are 6 0% APR business credit cards from our partners

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Make selection

Credit card
NerdWallet rating
Annual fee
Intro APR
Regular APR
Learn more

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.9/5
$0

0% intro APR on purchases for 12 months from the date of account opening

17.74%-25.74% Variable APR

Apply now

on American Express' website

Rates & Fees

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

0% intro APR on Purchases for 12 months

17.49%-23.49% Variable APR

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5
$0

0% intro APR on Purchases for 12 months

17.49%-23.49% Variable APR

Apply now

on Chase's website

American Express Blue Business Cash™ Card

Apply now

on American Express' website

5.0/5
$0

0% intro APR on purchases for 12 months from the date of account opening

17.74%-25.74% Variable APR

Apply now

on American Express' website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

4.7/5
$0

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles

18.49%-27.49% Variable APR

Apply now

on US Bank's website

Rates & Fees

Capital One Spark Cash Select - 0% Intro APR for 12 Months

Apply now

on Capital One's website

4.0/5
$0

0% intro APR on Purchases for 12 months

20.24%-28.24% Variable APR

Apply now

on Capital One's website

The Blue Business® Plus Credit Card from American Express

4.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

The Blue Business® Plus Credit Card from American Express

4.9
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.9/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Ink Business Unlimited® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards.

Ink Business Unlimited® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards.

Ink Business Unlimited® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Unlimited® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards.

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Cash® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
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.

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus.

American Express Blue Business Cash™ Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus.

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

American Express Blue Business Cash™ Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.74%-25.74% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

4.7
NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat business credit card, with a long intro APR period (
15
months), a generous sign-up bonus and great cash-back rewards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat business credit card, with a long intro APR period (
15
months), a generous sign-up bonus and great cash-back rewards.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

4.7
NerdWallet rating 
Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.7/5
Apply now

on US Bank's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles
Regular APR
18.49%-27.49% Variable APR
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a triple-threat business credit card, with a long intro APR period (
15
months), a generous sign-up bonus and great cash-back rewards.

Capital One Spark Cash Select - 0% Intro APR for 12 Months

4.0
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers
1.5
% cash back on all purchases but no sign-up bonus.

Capital One Spark Cash Select - 0% Intro APR for 12 Months

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.0/5
Apply now

on Capital One's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers
1.5
% cash back on all purchases but no sign-up bonus.

Capital One Spark Cash Select - 0% Intro APR for 12 Months

4.0
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)

Capital One Spark Cash Select - 0% Intro APR for 12 Months

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.0/5
Apply now

on Capital One's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
20.24%-28.24% Variable APR
Recommended Credit Score
690-719good
690-719 (Good)
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers
1.5
% cash back on all purchases but no sign-up bonus.

FULL LIST OF EDITORIAL PICKS: BEST 0% APR BUSINESS CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
The
American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards and a strong rewards rate.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
(see rates and fees). Learn more and apply.

U.S. Bank Business Platinum Card

0% intro APR on Purchases for 18 billing cycles and 0% intro APR on Balance Transfers for 18 Billing Cycles, and then the ongoing APR of 16.24%-25.24% Variable APR
The 0% introductory APR period on the
U.S. Bank Business Platinum Card
is far longer than what you'll find on competing cards, and it applies not just to purchases, but also to balance transfers. The downside: You won't get rewards, and it's not the best choice for spending abroad, given its 3% foreign transaction fee.
0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 18.49%-27.49% Variable APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers a long intro APR period that applies to purchases and balance transfers. This is also a solid cash-back card for small-business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
has a $
0
annual fee and a competitive welcome bonus. Learn more and apply.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% 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 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms Apply.
(see rates and fees). Learn more and apply.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% Variable APR
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards. You earn
1.5%
cash back on every purchase, and the bonus offer is outstanding for a card with no annual fee:
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
. Learn more and apply.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-23.49% Variable APR
The
Ink Business Cash® Credit Card
gives you bonus cash back in common business spending categories:
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn
. The bonus is great, too:
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Learn more and apply.
0% intro APR on Purchases for 12 months, and then the ongoing APR of 20.24%-28.24% Variable APR
The
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers cash back:
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
This card does not offer a sign-up bonus, though, so consider another option if you want to use a 0% APR business card to finance a big purchase. Learn more and apply.

Other options

Several cards offer 0% intro APR periods of less than a year. For the cards below, the 0% period applies only to purchases, not balance transfers. All of these options have no annual fee.
Last updated on February 3, 2023

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.