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5 Best 0% APR Business Credit Cards of December 2022

Nov 15, 2022

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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.

Some of our selections for the best 0% APR business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Best 0% APR Business Credit Cards From Our Partners

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on American Express' website

The Blue Business® Plus Credit Card from American Express

4.8

NerdWallet rating 
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

16.99%-24.99% Variable APR

Recommended Credit Score

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.

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Transfer partners

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

Read full review
  • 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.

  • 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.

  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.

  • *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.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors at account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Apply now

on American Express' website

American Express Blue Business Cash™ Card

5.0

NerdWallet rating 
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

16.99%-24.99% Variable APR

Recommended Credit Score

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.

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Cash rewards

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

Read full review
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • 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.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 24.99%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Apply now

on Chase's website

Ink Business Unlimited® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

16.24%-22.24% Variable APR

Recommended Credit Score

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.

Pros

  • No annual fee

  • Intro APR period

  • No reward caps

  • New cardholder bonus offer

Cons

  • No bonus categories

Read full review
  • BEST OFFER EVER: 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.

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

16.24%-22.24% Variable APR

Recommended Credit Score

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.

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

Read full review
  • BEST OFFER EVER: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • 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

Apply now

on Capital One's website

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

4.0

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

18.99%-26.99% Variable APR

Recommended Credit Score

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.

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus offer

Read full review
  • 0% Intro APR for the first 12 months; 18.99% - 26.99% variable APR after that

  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

  • No annual fee

  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

  • Rewards won't expire for the life of the account

  • Redeem your cash back rewards for any amount

  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases

  • $0 fraud liability if your card is lost or stolen

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

0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.99%-24.99% 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).

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 15.74%-24.74% 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 17.74%-26.74% 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.

0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.99%-24.99% 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).

0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-22.24% 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.

0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-22.24% 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.

0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.99%-26.99% 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.

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 November 15, 2022

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.