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.
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.
Here are the best 0% APR business credit cards
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Best overall 0% APR business card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 19.24%-28.24% Variable APR | Apply now on US Bank's website Rates & Fees |
Sign-up bonus 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 |
Up to 2% cash back The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% 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 | 4.6/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% 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 | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply now on Chase's website |
Unlimited 1.5% cash back Capital One Spark Cash Select for Good Credit Apply now on Capital One's website Rates & Fees | 4.0/5 | $0 | 0% intro APR on Purchases for 12 months | 21.24%-29.24% Variable APR | Apply now on Capital One's website Rates & Fees |
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 | 4.7/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 18.49%-28.49% 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 | 3.8/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 18.49%-28.49% Variable APR | Apply now on Bank of America's website |
Best for | NerdWallet rating▼ | Annual fee▼ | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Best overall 0% APR business card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 | $0 | 0% intro APR for 15 billing cycles on purchases and balance transfers | 19.24%-28.24% Variable APR | Apply now on US Bank's website Rates & Fees |
Sign-up bonus 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 |
Up to 2% cash back The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.9/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% 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 | 4.6/5 | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 18.49%-26.49% 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 | 5.0/5 | $0 | 0% intro APR on Purchases for 12 months | 18.49%-24.49% Variable APR | Apply now on Chase's website |
Unlimited 1.5% cash back Capital One Spark Cash Select for Good Credit Apply now on Capital One's website Rates & Fees | 4.0/5 | $0 | 0% intro APR on Purchases for 12 months | 21.24%-29.24% Variable APR | Apply now on Capital One's website Rates & Fees |
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 | 4.7/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 18.49%-28.49% 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 | 3.8/5 | $0 | 0% intro APR on Purchases for 9 billing cycles | 18.49%-28.49% Variable APR | Apply now on Bank of America's website |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
I'M INTERESTED IN:
Our pick for
Best overall 0% APR business card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
on US Bank's website
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Sign-up bonus
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 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
Up to 2% cash back
The American Express Blue Business Cash™ Card
on American Express' website
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, 18.49% - 26.49%, 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
on American Express' website
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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Up to 5% cash back
Ink Business Cash® Credit Card
on Chase's website
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
Unlimited 1.5% cash back
Capital One Spark Cash Select for Good Credit
on Capital One's website
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus offer
- 0% Intro APR for the first 12 months; 21.24% - 29.24% 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 for unauthorized charges
View Rates & Fees
Our pick for
Up to 2.62% cash back on everything
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
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 18.49% to 28.49% 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
on Bank of America's website
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 18.49% to 28.49% 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.
U.S. Bank Business Platinum Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Ink Business Unlimited® Credit Card
The American Express Blue Business Cash™ Card
The Blue Business® Plus Credit Card from American Express
Ink Business Cash® Credit Card
Capital One Spark Cash Select for Good Credit
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® 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 18.24%, 24.74%, or 29.99% Variable APR
- BankAmericard® credit card:0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 16.24% - 26.24% will apply
- U.S. Bank Visa® Platinum Card:0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 18.74%-29.74% 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