Edited by: Juan Ruiz
& Keri Stooksbury
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Getting a business credit card with a 0% APR promotion can be one of the best ways to provide that kick-start you’ve been looking for in your business.
Whether you’re looking to start a new venture or enhance an existing business by using a 0% APR card to make upfront investments, having a valuable business card with 0% APR can literally save you thousands of dollars.
In this guide, we’ll be reviewing the best business cards with 0% APR and show you the best cards to maximize rewards and balance transfers — you’ll find introductory 0% APR benefits for as long as 20 months!
Let’s get right into it!
When you open a 0% APR business credit card for an introductory period, typically between 12 and 18 months, your monthly balance will not accrue interest. This can be great for business owners who want to break a large purchase into smaller payments, or those who are pre-revenue and don’t want their startup expenses to accrue interest.
After you apply and are approved for a 0% APR business credit card, you’ll receive a 0% interest rate on purchases for a set period of time. However, while interest will not accrue on your balance, you must continue to make on-time payments of at least the minimum payment in order to keep the 0% period going.
If you have not paid off the entire balance by the end of the 0% APR period, you will be charged the standard rate on the remaining balance.
The most crucial elements to look for in a business card with 0% APR will depend on what kind of 0% APR you need.
In general, there are 2 types of “0% APR” promotions on credit cards:
Having a credit card with 0% APR for purchases means you’ll enjoy an introductory 0% APR on new purchases. On the other hand, having a card with a 0% APR on balance transfers allows you to defer interest on existing debt that is already on another credit card.
For example, if you have a business credit card with a debt of roughly $10,000 and wish to prevent interest accrual for a short period of time, you may perhaps consider a card with a 0% APR on balance transfers.
But if you are starting from scratch without any high-interest debt, it’s probably more important to get a card with 0% APR on purchases over 0% APR on balance transfers.
Also, just remember that even though your primary focus might be on the best 0% APR terms, you should consider rewards and benefits, too. Earning another 1% to 2% on all your purchases could end up adding up to a ton of rewards in the long term.
In this section, we’ll walk through our top 3 best business cards with 0% APR first, followed by a separate section of 3 alternative business cards that could make sense for some business owners.
We did all of the homework for you in figuring out the best business cards with 0% APR. With the right card, you can defer credit card interest for a short time while earning top-notch rewards on purchases.
And in many cases, you can earn a return on spending of up to 10% with some of these credit cards; perhaps, you can get even better value by redeeming your rewards for luxury travel via airline and hotel partners.
|Card||Welcome Bonus||0% APR Terms||Annual Fee|
|U.S. Bank Business Platinum Card||
No welcome offer available
0% introductory APR for 20 billing cycles
In this section, we’ll walk you through our 3 favorite business cards with 0% APR.
The Ink Business Unlimited card is one of the best 0% APR business credit cards available. If you’re a business owner looking to get rewarded on your business purchases without any caps, this is one of the best cards to use.
This credit card, which is issued by Chase, earns up to 5% cash-back on purchases:
The rewards earned on this card can also be converted to Ultimate Rewards points if you have the right credit card to go along with this one, such as the Chase Sapphire Preferred® Card. You can convert your Ink Business Cash card’s 1.5% cash-back to 1.5x Ultimate Rewards points, which transforms into a 3% return on your business’s spending!
Also, this credit card also has primary car rental insurance, purchase protection, extended warranty, zero fraud liability, and fee-free employee cards.
Even though the Ink Business Unlimited card’s rewards aren’t as valuable if it’s the only card you have, you can massively increase the value of your rewards if you have the right credit card that can convert cash-back to Ultimate Rewards points.
So with a card like the Chase Sapphire Reserve® or Ink Business Preferred® Credit Card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points, allowing you to earn a return on spending of at least 3% according to our valuations!
If that doesn’t tickle your fancy, you can also redeem Ultimate Rewards points for online shopping, charity, cash-back, gift cards, travel booked through the Chase Ultimate Rewards portal, and Pay Yourself Back. But the best value will undoubtedly be from using Chase’s airline and hotel partners for flights like Singapore Airlines first class.
Another fantastic 0% APR business credit card, which is also issued by Chase, is the Ink Business Cash card.
Also, you’ll get up to 5% cash-back on your card’s purchases:
Just like the Ink Business Unlimited card, the Ink Business Cash card earns rewards that can easily be converted to Ultimate Rewards points if you have a Chase credit card that earns Ultimate Rewards. Specifically, you can convert at a ratio of 1% to 1x Ultimate Rewards points (1:1 ratio).
Therefore, your 5%, 2%, or 1% cash-back earnings would be converted to 5x, 2x, or 1x Ultimate Rewards points. That would allow you to get a maximum return on spending of 10%, based on our valuations of 2 cents per point.
Better yet, the Ink Business Unlimited card comes with primary rental car insurance, purchase protection, zero liability fraud protection, and no-cost employee cards.
You’ll earn 2x Membership Rewards points on everyday business purchases.
This 2x multiplier applies to the first $50,000 in purchases every calendar year. After that, you’ll earn 1x points. By our valuations, earning 2x points is equivalent to a 4.4% return on spending, which is fantastic for a card without worrying about bonus categories.
The Amex Blue Business Plus card also offers purchase protection, extended warranty, access to Amex Offers and Membership Rewards points, as well as no-additional-cost employee cards (rates and fees).
American Express Membership Rewards points, or Amex points for short, can be redeemed for some incredible value.
We value Amex points at 2.2 cents each, which makes it the most valuable points currency available.
Some of the ways to use your Amex points include:
That said, the best way to get fantastic value, up to 10 cents per point, is to redeem your Amex points for luxury award travel.
The credit cards recommended in the above section are our favorites. If none of these fit your needs, check out these alternative business credit cards.
The Amex Blue Business Cash card represents all of the simple needs a business owner might find attractive.
As far as rewards go, the structure is exceedingly simple:
Your cash-back is actually automatically credited to your statement so you don’t need to worry about redeeming any rewards — it’s done every month for you!
The Amex Blue Business Cash card still offers access to Amex Offers, and employee cards for no additional annual fees (rates and fees).
The Capital One Spark Miles Select card is a great choice for a 0% APR business credit card. Why? The welcome bonus offers a 0% introductory APR.
Also, get up to 5x Capital One miles on your purchases as shown below:
This card entitles you to access the Capital One Miles ecosystem, get virtual card numbers from Eno, and enjoy zero fraud liability.
Plus, you’ll have secondary rental car coverage, roadside assistance, extended warranty, no foreign transaction fees, and no-cost employee cards.
Capital One Miles is one of the most attractive rewards currencies available.
You can also use Capital One miles for cash-back, gift cards, Amazon.com, Capital One Travel bookings, online merchandise, and more. Just keep in mind that if you choose to use your miles in this way, you won’t get outsized value through these redemptions.
The last card we’ll be discussing is the U.S. Bank Business Platinum card. This is one of the most impressive credit cards if your sole goal is to get 0% introductory APR on purchases and balance transfers.
You won’t be eligible to earn any rewards from this card, but it offers an almost unbeatable 0% introductory APR on purchases and balance transfers for 20 billing cycles.
This credit card also has access to digital wallets, contactless payments, 24/7 fraud alerts, zero fraud liability, access to expense management via Visa Spend Clarity, and the ability to divide large purchases into fixed monthly payments with U.S. Bank ExtendPay Plan.
The most obvious reason to choose a 0% APR business credit card is to help stretch out payments of a large purchase without interest, pay off high-interest debt without interest, or for new business owners that don’t want their startup expenses to accrue interest as they work on earning revenue.
Yes, you most certainly can. Even though the majority of new businesses are unlikely to have revenue yet, this will not prevent you from being approved for a business credit card. However, you will need to list any other personal income you have to show the credit issuer that you can pay off your expenses as you get your business off the ground.
If the new credit card you’ve opened allows balance transfers, then yes, you can. Generally speaking, balance transfers on business credit cards work the same as they do on personal cards. Usually, you’ll have 30 days from the time you open the card to request the transfer, you’ll need to pay anywhere from a 3% to 5% fee of the balance being transferred, and you cannot transfer your balance to another card from the same credit issuer.
The most common reason it makes sense to use a 0% business credit card is for rather large purchases that you’d like to break up into smaller chunks without incurring interest charges. If you have significant expenses coming up that you won’t be able to pay in full but are certain you’ll be able to do so if you spread the payments out over a few months, acquiring a 0% business credit card might make a lot of sense.
The best way to maximize your chance of being approved for a 0% APR business card is to keep a high personal credit score, and business credit score if you have one, as credit issuers are sure to consider both when deciding whether to approve you. Some things you can do to keep your score high include always making your payments on time and keeping your credit utilization as low as possible.
Overall, you have plenty of options for business credit cards with 0% APR, especially if you’re focused on 0% APR on purchases. That said, wouldn’t it be better if you got a business card with 0% APR and great rewards?
In this guide, we narrowed down our top picks on what the best business credit cards are for 0% APR. All of these cards are generally available to U.S. applicants nationwide without having to worry about being a resident of a specific state.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the U.S. Bank Business Platinum Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Yes, just like personal credit cards, business credit cards have APR interest rates. However, some business credit cards offer introductory 0% APR promotions that are valid in the first months after opening the new card.
Currently, our favorite business cards with a 0% promotional APR period are the Ink Business Unlimited card, Ink Business Cash card, Amex Blue Business Plus card, Amex Blue Business Cash card, Capital One Spark Miles Select card, and U.S. Bank Business Platinum card.
0% APR usually refers to an introductory period as part of a promotion that lets you carry a credit card balance at no cost for a finite period of time, such as 8 or 12 months. However, you still need to make minimum payments for your payments to be considered on-time and avoid being hit with late fees.
0% APR for 15 months means that your balances will not accrue interest on either purchases or transferred balances (depending on what kind of 0% APR you’re referring to) for the first 15 months of card opening. After that introductory period, interest will start accruing.
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