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Best 0% APR Business Credit Cards of December 2024

These business cards have intro APR periods ranging from 9 to 18 months, allowing you to pay off purchases interest free over time.
By Kelsey Sheehy
Last updated on December 3, 2024
Edited by Ryan Lane
Fact checked and reviewed

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 an 0% intro APR period lets you pay purchases off over time without accruing interest, which can save you big money. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months.
But the best business credit cards benefit you long after their intro period ends, and that U.S. Bank card won’t help much. Instead, consider these top choices, which still offer a year of interest-free purchases plus top-rate ongoing rewards:

💬 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, but the issuer made some recent changes that bumped them down our list.
"As of mid-2024, 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

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.

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 an 0% intro APR period lets you pay purchases off over time without accruing interest, which can save you big money. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months.
But the best business credit cards benefit you long after their intro period ends, and that U.S. Bank card won’t help much. Instead, consider these top choices, which still offer a year of interest-free purchases plus top-rate ongoing rewards:

💬 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, but the issuer made some recent changes that bumped them down our list.
"As of mid-2024, 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

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.

Here are the best 0% APR business credit cards

Best forNerdWallet ratingAnnual feeIntro APRRegular APRLearn 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

17.74%-23.74% Variable APR

Apply now

on Chase's website

Best for sign-up bonus

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

0% intro APR for 12 billing cycles on purchases

18.24%-27.24% 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

4.7/5
$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

AmEx rewards points

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$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

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

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

4.4/5
$0

0% intro APR on Purchases for 9 billing cycles

17.74%-27.74% 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

17.74%-27.74% 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

4.6/5
$375

0% intro APR on purchases for 6 months from the date of account opening

18.74%-27.74% Variable APR

Apply now

on American Express' website

Rates & Fees

Best forNerdWallet ratingAnnual feeIntro APRRegular APRLearn 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

17.74%-23.74% Variable APR

Apply now

on Chase's website

Best for sign-up bonus

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

0% intro APR for 12 billing cycles on purchases

18.24%-27.24% 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

4.7/5
$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

AmEx rewards points

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$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

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

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

4.4/5
$0

0% intro APR on Purchases for 9 billing cycles

17.74%-27.74% 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

17.74%-27.74% 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

4.6/5
$375

0% intro APR on purchases for 6 months from the date of account opening

18.74%-27.74% 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

Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR

Our pick for

Best for sign-up bonus

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

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
18.24%-27.24% Variable APR

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®

NerdWallet rating 

5.0/5
Apply now

on U.S. Bank's website

Annual fee
$0
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
18.24%-27.24% Variable APR

Our pick for

New businesses spending less than $50,000

The American Express Blue Business Cash™ Card

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

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

NerdWallet rating 

4.7/5
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

Our pick for

AmEx rewards points

The Blue Business® Plus Credit Card from American Express

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

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

NerdWallet rating 

4.4/5
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

Our pick for

Up to 5% cash back

Ink Business Cash® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% Variable APR

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

Ink Business Cash® Credit Card

NerdWallet rating 

4.8/5
Apply now

on Chase's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% Variable APR

Our pick for

Up to 2.62% cash back on everything

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

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR

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

NerdWallet rating 

4.4/5
Apply now

on Bank of America's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR

Our pick for

Travel rewards

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR

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

NerdWallet rating 

3.6/5
Apply now

on Bank of America's website

Annual fee
$0
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR

Our pick for

4X points on advertising, gas

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$375
Intro APR
0% intro APR on purchases for 6 months from the date of account opening
Regular APR
18.74%-27.74% Variable APR

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

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$375
Intro APR
0% intro APR on purchases for 6 months from the date of account opening
Regular APR
18.74%-27.74% Variable APR

NerdWallet's editorial picks: Best 0% APR business credit cards

Our picks are ordered by the length of the intro APR period. Before applying, confirm details on the issuer’s website.

U.S. Bank Business Platinum Card

Best for: Longest APR intro period
NerdWallet star rating:
1.4
Intro APR offer:
0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 17.24%-26.24% Variable APR
The APR intro period on the
U.S. Bank Business Platinum Card
is far longer than what you'll find on competing cards. But beyond that, the card has minimal value, as it offers no ongoing rewards. Consider it if your top priority is the longest possible time to pay off purchases with no interest; otherwise, look elsewhere.

Ink Business Unlimited® Credit Card

Best for: Overall 0% APR business credit card
NerdWallet star rating:
5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs. You earn
1.5%
cash back on every purchase, and the bonus offer is outstanding for a card with no annual fee:
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Learn more and apply.

Wells Fargo Signify Business Cash℠ Card

Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating: 5
Intro APR offer: 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 18.49% – 26.49%.
If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card is hard to beat — it's the only business credit card on our list to offer unlimited 2% cash back on all purchases with no annual fee. On top of that, you'll get a welcome offer and 12 months of an intro APR.

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

Best for: Sign-up bonus
NerdWallet star rating:
5
Intro APR offer:
0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 18.24%-27.24% Variable APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers a long intro APR period on purchases with a competitive, relatively easy-to-earn sign-up bonus:
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
This is also a solid cash-back card for small-business owners:
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). Earn 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.
Plus, there's no annual fee. Learn more and apply.

Ink Business Cash® Credit Card

Best for: Up to 5% cash back
NerdWallet star rating:
4.8
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% 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 $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.
Learn more and apply.

The American Express Blue Business Cash™ Card

Best for: New businesses spending $50,000 or less
NerdWallet star rating:
4.7
Intro APR offer:
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
a great choice for newer businesses or those unlikely to spend more than $50,000 in a year due to its rewards structure:
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.
(see rates and fees). Learn more and apply.

The Blue Business® Plus Credit Card from American Express

Best for: AmEx rewards points
NerdWallet star rating:
4.7
Intro APR offer:
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 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.

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

Best for: Up to 2.62% cash back on everything
NerdWallet star rating:
4.4
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.74%-27.74% Variable APR
If your spending doesn't align with typical bonus categories, consider the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
. This card offers
1.5%
cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.

American Express® Business Gold Card

Best for: 4X points on advertising, gas
NerdWallet star rating:
4.6
Intro APR offer:
0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.74%-27.74% Variable APR
It’s unusual for a premium card like the
American Express® Business Gold Card
to offer an intro APR period — so if you’ve been thinking about applying for this card, now might be a good time to do so.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each billing cycle 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. Terms Apply.
There’s also a hefty sign-up bonus:
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. Terms Apply.
You’ll pay an annual fee of $
375
for the chance to earn these rewards, though. Learn more and apply.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Best for: Travel rewards
NerdWallet star rating:
3.6
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.74%-27.74% Variable APR
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a rare travel card that offers a 0% APR intro period. This card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.

What 0% APR business credit cards do

With a 0% APR business credit card, you’ll pay no interest on a specified number of months or billing cycles. Depending on the card, that could be six, 12 or even 18 months. During that time, you won’t be charged interest even if you don’t pay off the card in full every month.
You must still make a monthly payment, though. Failing to do so could let the issuer not only terminate your interest-free period early, but also charge you a higher penalty APR. No matter when or how your intro period ends, interest will accrue on whatever balance remains — plus on any charges you carry going forward.

When to consider 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 — at least for a little while. But these cards can be especially beneficial 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’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

In general, you’ll need good or excellent personal credit to qualify for most business credit cards. That’s especially true for those with a 0% intro APR — you’ll typically need a FICO score of at least 690 to qualify for these cards.
For other credit ranges, check out our lists of business credit cards for bad credit (FICO below 630) and business credit cards for fair credit (FICO from 630 to 689).
Business credit card issuers generally perform a hard credit check when reviewing your application, which can temporarily affect your personal credit score.
Also, know that business credit cards require personal guarantees, which means you’ll be on the hook for any debt your business can’t pay. That’s especially important to keep in mind if you plan to use an interest-free period to finance big-ticket items.

Can your business use a 0% APR personal credit card?

There's no rule against using personal credit cards for business expenses. A personal credit card may offer you a longer 0% APR window than a business card can — or it may offer 0% APR on balance transfers, which are very rare among business cards.
Still, be cautious if you go this route.
Personal cards can be an option for sole proprietors, as long as you don't mix business and personal expenses on it. You'll also want to pay attention to your credit score if you plan to finance a major business purchase that will potentially crunch your debt-to-income ratio. Incorporated businesses — LLCs, LLPs and corporations — should avoid using a card in their personal name for business expenses altogether, as it could jeopardize their limited liability protections.
If a consumer credit card with 0% APR makes sense for your business, here are a few to consider:
  • 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 17.49%, 23.99%, or 29.24% 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 17.99%-28.99% Variable APR
  • Chase Freedom Unlimited®
    :
    0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.74%-28.49% Variable APR
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 December 3, 2024

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.