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The best 0% APR business credit cards offer interest-free financing on purchases and charge $0 or low annual fees. When looking for no-interest business credit cards, consider the length of the 0% introductory APR period as well as other features valuable to your business. Those that extend 0% APR on balance transfers are a plus. Keep in mind that most business credit cards with extended 0% APR typically do not offer rewards.
Here are the top nine 0% APR business credit cards:
- The American Express Blue Business Cash™ Card: Overall best no-interest business credit card with automatic cash back and Expanded Buying Power
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for recurring software expenses with pay over time and up to 5% cash back
- The Blue Business® Plus Credit Card from American Express: Best for earning points rewards and Expanded Buying Power
- U.S. Bank Business Platinum Card: Best for 0% purchase APR for 18 months with a $0 annual fee
- American Express® Business Gold Card: Best for premium rewards on the top two categories
- Ink Business Unlimited® Credit Card: Best for easy unlimited rewards with generous welcome offer
- United Community Bank Business Card: Best for long 0% APR on purchases and balance transfers and ExtendPay Plan
- BMO Business Platinum Credit Card: Best for relatively low ongoing APR with Mastercard Easy Savings®
- Hello Alice Small Business Secured Mastercard: Best secured business credit card for bad or limited credit
Overview of the Best 0% APR Business Credit Cards 2025
Best For | Annual Fee | 0% Intro APR | Ongoing Rewards | |||
|---|---|---|---|---|---|---|
 The American Express Blue Business Cash™ Card | Overall best no-interest business credit card with automatic cash back and Expanded Buying Power | $0 | On purchases for 12 billing cycles | $250 statement credit | Up to 2% cash back | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Recurring software expenses with pay over time and up to 5% cash back | $0 | On purchases for 12 billing cycles | $750 cash back | Up to 5% cash back | |
The Blue Business® Plus Credit Card from American Express | Earning points rewards with Expanded Buying Power | $0 | On purchases for 12 billing cycles | 15,000 Membership Rewards® points | Up to 2x points | |
 U.S. Bank Business Platinum Card | 0% purchase APR for 18 months with a $0 annual fee | $0 | On purchases for 18 billing cycles | None | None | |
 American Express® Business Gold Card | Premium rewards on the top two categories | $375 | On eligible purchases for 6 months | 100,000 Membership Rewards® Points | Up to 4x points | |
 Ink Business Unlimited® Credit Card | Easy unlimited rewards with generous welcome offer | $0 | On purchases for 12 months | Earn $750 bonus cash back | 1.5% cash back | |
 United Community Bank Business Card | Long 0% APR on purchases and balance transfers and ExtendPay Plan | $0 | On purchases and balance transfers for the first 18 billing cycles | None | None | |
 BMO Business Platinum Credit Card | Relatively low ongoing APR with Mastercard Easy Savings® | $0 | On purchases for 12 billing cycles | None | None, but you can receive rebates through Mastercard Easy Savings® | |
 Hello Alice Small Business Secured Mastercard | Secured business credit for bad or limited credit | $0 | On both purchases and balance transfers for 6 billing cycles | $50 statement credit | Up to 4x points |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards—you can compare up to three credit cards on this page or a card here against other cards on our site.
The American Express Blue Business Cash™ Card: Overall Best No-interest Business Credit Card with Automatic Cash Back & Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% – 25.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% – 25.49%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
The American Express Blue Business Cash™ Card comes with 0% interest-free financing on purchases for the first 12 billing cycles. It is our overall best 0 APR business credit card because it offers an easy rewards structure—you can earn cash back on your purchases that will be automatically credited to your statement balance without manual redemption. You can also spend over your credit limit through its Expanded Buying Power feature based on your credit use, credit history, payment behavior, and other financial factors.
- 2% cash back on the first $50,000 purchases per calendar year, then 1% cash back when the cap is reached
- $0 annual fees
- $250 statement credit after you spend $3,000 in purchases in the first three months of card ownership
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Recurring Software Expenses with Pay Over Time & Up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- 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).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- 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).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
When it comes to generous rewards and benefits, you can never go wrong with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. It gives you a $100 annual statement credit for recurring software purchases like QuickBooks and FreshBooks. Plus, you’ll earn up to 5% cash back on your everyday purchases. On top of the 0% purchase APR for the first 12 billing cycles, you can opt to pay off your eligible balance over time without interest through its ExtendPay Plan Just pay a small monthly fee. For new cardmembers, enjoy a $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening. feature.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at gas stations, office supply stores, and mobile phone service providers
- 1% cash back on all other eligible purchases
- $750 cash back after spending $6,000 within the first 180 days of account opening
- Free online tool that provides instant access to reporting, allowing you to track and manage your business spending
The Blue Business® Plus Credit Card from American Express: Best for Earning Points Rewards & Expanded Buying Power
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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 and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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 and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Why We Like It
The Blue Business® Plus Credit Card from American Express offers up to 2x points per dollar on your purchases, which you can redeem for a statement credit, travel, gift cards, and more. Besides the introductory offer of 0% APR on purchases for the first 12 months, you’ll also receive a generous welcome offer when you meet the spending requirements. Plus, it features Expanded Buying Power so you can spend more than your credit limit when you need to.
- 2x points per dollar on the first $50,000 worth of purchases each year, then 1x point per dollar after that
- $15,000 Membership Reward® points after spending $3,000 in the first three months of account membership
- $0 annual fees
U.S. Bank Business Platinum Card: Best for 0% Purchase APR for 18 Months With a $0 Annual Fee
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
16.99% - 25.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Why We Like It
The U.S. Bank Business Platinum Card offers long interest-free financing on purchases for the first 18 billing cycles—one of the longest offers available for business credit cards. It charges $0 annual fees and lets you track spending and manage your expenses through Visa Spend Clarity. However, it doesn’t come with introductory and ongoing rewards.
American Express®Business Gold Card: Best for Premium Rewards on the Top Two Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: 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.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: 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.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Why We Like It
American Express® Business Gold Card offers 0% APR for the first six months on purchases eligible for Pay Over Time. Its unique feature is that you can earn premium rewards on your top two expense categories where your company spends the most each month. While it charges an annual fee of $375, you can enjoy perks like annual statement credits for Walmart+ membership and selected eligible purchases, travel insurance coverage, as well as The Hotel Collection experience credit.
- 4x points on the first $150,000 in combined purchases on the top two business categories each calendar year. Qualifying business categories include:
- Purchases at US media providers for advertising in select media (online, TV, radio)
- US purchases from electronic goods retailers and software & cloud system providers
- US purchases at restaurants (including takeout and delivery)
- US purchases at gas stations
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the US
- 3x points on flights and prepaid hotels booked on amextravel.com
- 1x points on all other eligible purchases
- $0 foreign transaction fees
- 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first three months of opening an account
card_name: Best for Easy Unlimited Rewards With Generous Welcome Offer
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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.
- 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
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 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.
- 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
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Why We Like It
The Ink Business Unlimited® Credit Card from Chase comes with a simple rewards program and lets you earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. On top of its 0% purchase APR for 12 months, the card allows you to save on credit costs because it charges $0 annual fees.
- 1.5% unlimited cash back on all purchases
- 5% cash back on Lyft rides through March 2025
- Flexible redemption options, including cash back, gift cards, travel, and more through Chase Ultimate Rewards®
- $0 return check fees
United Community Bank Business Card: Best for 0% APR for 18 Months on Purchases and Balance Transfers & ExtendPay Plan
United Community Bank Business Card
BEST FOR:
Business owners located in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee who are intending to make large purchases and significant transfers
Intro APR
0%
Regular APR
16.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- This business credit card does not offer rewards for its new and existing cardholders
Pros
- Offers a 0% introductory period on purchases and balance transfers
- Charges $0 annual fees
- Able to create employee cards free of charge
Cons
- Does not have rewards for its new and existing cardholders
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Zero fraud liability
- Online reporting tools
- Free employee cards
Intro APR
0%
Regular APR
16.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- This business credit card does not offer rewards for its new and existing cardholders
Pros
- Offers a 0% introductory period on purchases and balance transfers
- Charges $0 annual fees
- Able to create employee cards free of charge
Cons
- Does not have rewards for its new and existing cardholders
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Zero fraud liability
- Online reporting tools
- Free employee cards
Why We Like It
The United Community Bank Business Card is unique among all business credit cards in this list because of its 0% APR offer on both purchases and balance transfers for 18 months. It also comes with ExtendPay Plan feature, which lets you split your purchases into affordable payments with no interest—just a low, fixed monthly fee New cardmembers receive a $0 fee offer on ExtendPay plans opened in the first 60 days after account opening. . However, it doesn’t offer introductory and ongoing rewards.
- Relatively low ongoing APR compared to most other business credit cards
- $0 annual fees
United Community Bank branches are limited to selected states only—including Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee.
BMO Business Platinum Credit Card: Best for Relatively Low Ongoing APR with Mastercard Easy Savings®
BMO Business Platinum Credit Card
BEST FOR:
Those with existing BMO checking accounts intending to make large purchases or transfers
Intro APR
0%
Regular APR
16.49% - 25.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 0% introductory APR on purchases for 18 months from date of account opening
Pros
• 0% APR on purchases
• $0 annual fees
• Low ongoing APR compared to most other business credit cards
Cons
- Does not offer rewards for its new and existing cardholders
- BMO bank is located in only located in the following states: Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
- Extended warranty: Get double the original manufacturer’s―or United States store brand―warranty for up to one year on most new items you buy with your card. Note that these items must have an original manufacturer’s warranty of one year or less.
- Cellphone protection: Get up to $600 in cellphone protection after charging your monthly wireless telephone bill to your card. Note that terms and restrictions apply.
- Discounts on Intuit QuickBooks® and TurboTax®: Enjoy discounts on both Intuit QuickBooks® and TurboTax®, which can help streamline your accounting and simply your taxes. Note that terms and restrictions apply.
Intro APR
0%
Regular APR
16.49% - 25.49% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 0% introductory APR on purchases for 18 months from date of account opening
Pros
• 0% APR on purchases
• $0 annual fees
• Low ongoing APR compared to most other business credit cards
Cons
- Does not offer rewards for its new and existing cardholders
- BMO bank is located in only located in the following states: Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
- Extended warranty: Get double the original manufacturer’s―or United States store brand―warranty for up to one year on most new items you buy with your card. Note that these items must have an original manufacturer’s warranty of one year or less.
- Cellphone protection: Get up to $600 in cellphone protection after charging your monthly wireless telephone bill to your card. Note that terms and restrictions apply.
- Discounts on Intuit QuickBooks® and TurboTax®: Enjoy discounts on both Intuit QuickBooks® and TurboTax®, which can help streamline your accounting and simply your taxes. Note that terms and restrictions apply.
Why We Like It
The BMO Business Platinum Credit Card offers 0% introductory APR on purchases for 12 months. Plus, its ongoing APR range is relatively low—the lowest among all business credit cards featured in this guide. While it doesn’t come with introductory and ongoing rewards, you can enjoy up to 25% savings at over 40,000 merchants—including gas, meals, office supplies, hotels, and more—with Mastercard Easy Savings®.
- $0 annual fees
- Exclusive discounts on Intuit QuickBooks® and TurboTax®
BMO branches are located in selected states only, including Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona, and Florida.
Hello Alice Small Business Secured Mastercard: Best Secured Business Credit Card for Bad or Limited Credit
Hello Alice Small Business Secured Mastercard
Intro APR
0%
Regular APR
27.74% variable
Annual Fee
$0
Credit Needed
Not disclosed
- 4x points for every $1 spent on eligible wireless telephone service & business software purchases
- 3x points for every $1 spent on eligible office supplies & shipping purchases
- 2x points for every $1 spent on eligible rideshare & restaurant purchases
- 1.5x points for every $1 spent on all other purchases
Pros
- Builds personal and business credit
- $0 annual fee
- Offers intro 0% APR
Cons
- Low intro rewards
- High minimum security deposit of $2,000
- Boost personal credit
- Improve business credit
- Periodic account review for qualification to regular business credit card
Intro APR
0%
Regular APR
27.74% variable
Annual Fee
$0
Credit Needed
Not disclosed
- 4x points for every $1 spent on eligible wireless telephone service & business software purchases
- 3x points for every $1 spent on eligible office supplies & shipping purchases
- 2x points for every $1 spent on eligible rideshare & restaurant purchases
- 1.5x points for every $1 spent on all other purchases
Pros
- Builds personal and business credit
- $0 annual fee
- Offers intro 0% APR
Cons
- Low intro rewards
- High minimum security deposit of $2,000
- Boost personal credit
- Improve business credit
- Periodic account review for qualification to regular business credit card
Why We Like It
Hello Alice Small Business Secured Mastercard, issued by First National Bank of Omaha, offers 0% APR on both purchases and balance transfers for the first six billing cycles. It comes with $0 annual fees and offers generous rewards. On top of it, you may qualify for the card even with bad or limited credit, as long as you can make a security deposit of at least $2,000.
- 4x points for every $1 spent on eligible wireless telephone service and business software purchases.
- 3x points for every $1 spent on eligible office supplies and shipping purchases.
- 2x points for every $1 spent on eligible rideshare and restaurant purchases.
- 1.5x points for every $1 spent on all other purchases.
- $50 statement credit when you spend at least $1,000 in the first three billing cycles of card ownership
- Helps build credit with consistent on-time payment and responsible use
How We Selected the Best 0% APR Business Credit Cards
When choosing the best 0% APR business credit cards, we first considered the length of the 0% APR period. We also looked at the fees and rewards offered as well as the cards’ additional features that may be valuable to business owners. Some cards extend the 0% APR offer to balance transfers, which may be beneficial for business owners who plan to consolidate their credit card debts.
Frequently Asked Questions (FAQs)
Yes, as long as you pay off your balance before the 0% APR period ends. For example, your business credit card offers zero-interest financing on purchases for 12 billing cycles, and you use it to purchase equipment for your business amounting to $50,000. You need to ensure that by the end of the 12th billing cycle, you have fully paid the $50,000. Otherwise, the remaining balance will be charged interest—the rate of which depends on the card’s ongoing APR.
You should use a 0% APR business credit card if you’re planning to make a large purchase because zero-interest financing for a certain period can help you save hundreds of dollars in interest. You can also use it to finance everyday purchases, and you won’t need to pay off your balance each month to avoid interest charges. In addition, no-interest business credit cards are also great if you plan to consolidate your existing debts from other cards—they can help you settle your balance interest-free.
Below are the advantages and disadvantages of getting a business credit card with a 0% APR period.
| Advantages | Disadvantages |
|---|---|
| Helps save money on interest if you are planning to make large purchases or transfer balances | Can charge balance transfer fees despite having a 0% APR period |
| Helps pay your debt faster | Can make you complacent if a 0% introductory period exists |
| Helps improve business credit scores | |
Bottom Line
The best no-interest business credit cards should meet your business’s unique needs. Since 0% offers are temporary, consider making your biggest purchases soon after you’ve received your card so that you can benefit from both the 0% APR and any welcome rewards. Be mindful of the duration of the offer—once the introductory period ends, the balance will be charged with regular APR.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
