7 Best 0% APR Business Credit Cards April 2020

On US Bank's Secure Website

Rating 3.5 3.5

Best For: Extended 0% APR period on purchases and balance transfers

Intro APR ^?0% APR for 20 billing cycles on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0%*	9.99% - 17.99%* Variable	$0	Excellent

0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*
No annual fee*
Free employee cards
Zero fraud liability* protects you against unauthorized transactions

Pros

One of the longest 0% APR period offered
No annual fee

Cons

Comes without rewards

Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

Why we like it for 0% APR: The U.S. Bank Business Platinum Card clocks in at No. 1 because it offers an outstanding 0% APR for 20 billing cycles on purchases and balance transfers. This offer tops all other 0% APR business credit cards on our list and also makes it the best balance transfer business credit card.

However, business owners should only use this no-interest business credit card to access the best introductory financing. This small business credit card offers no welcome offer or ongoing reward structure, which means this 0% APR business credit card will lose most of its value once the introductory period ends. However, you’ll still have access to the lowest ongoing APR on our list.

Compare this introductory 0% APR offer to the American Express Blue Business Cash™ Card.

American Express Blue Business Cash™ Card: Best for Earning High Fixed-rate Rewards

American Express Blue Business Cash™ Card

on American Express Blue Business Cash™ Card's secure website.

Rating 3.5 3.5

Best For: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months

Intro APR ^?0% introductory APR for 12 months on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.24% - 19.24% Variable	No annual fee	Good, Excellent

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

No interest for 12 months
Earn consistent 2% cash back rewards on every purchase

Cons

Offers no cash sign-up bonus
2% cash back category is capped at $50,000 in annual spending

Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.

Why we like it for 0% APR: Business owners should use this no-interest business credit card if they value ongoing rewards. You’ll tap into both a long 0% introductory APR offer on purchases and balance transfers and ongoing cash back rewards on all spending. While this financing offer falls short of our top pick, it pays ongoing rewards, unlike that card. So, if you value both cheap introductory financing and ongoing rewards, consider applying for this card.

This is one of the few cards on our list that offers expanded buying power. This means if you need to access more capital, you can spend above your credit limit. However, this extra limit is not unlimited. It’s based on factors like your credit and payment history. Regardless, this could be extremely lucrative for some business owners, and it may prove to be a more valuable card to you than our top pick.

This American Express 0% APR business credit card, however, lacks a welcome offer, unlike other cards on this list. If you want a chance to earn a sign-up bonus, you need to look at other cards further down on this list. But those 0% APR business credit cards don’t offer interest-free financing on both purchases and balance transfers.

Compare this card to Chase Ink Business Cash^SM.

American Express Blue Business® Plus: Best for 2x Points

The Blue Business® Plus Credit Card from American Express

on The Blue Business® Plus Credit Card from American Express's secure website.

Rating 4.5 4.5

Best For: Pocketing 2x points per $1 and 0% introductory APR for 12 months

Intro APR ^?0% introductory APR for 12 months on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.24% - 19.24% Variable	No annual fee	Good, Excellent

Get rewarded for business as usual. 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.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% APR for 12 months on purchases and balance transfer
Earn 2x points on all spending

Cons

No lucrative welcome offer
2x points rewards are capped at $50,000 in spending

Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

Why we like it for 0% APR: American Express Blue Business® Plus has the same 0% APR offer when compared to the American Express Blue Business Cash™ Card. However, American Express Blue Business® Plus pays its rewards in points vs cash back. We appreciate this card because American Express gives business owners who travel often an opportunity to access a similar financing offer but with rewards geared toward their business needs.

Similar to the American Express Blue Business Cash™ Card, American Express Blue Business® Plus also blesses you with more buying power. So, if you need to spend more than your predetermined spending limit, this card gives you the power to do that. However, it would be wrong to think your extra limit is unlimited. Instead, American Express determines your extra limit based on your payment and credit history.

Choose this card if you want to redeem your rewards for travel and want a card with an easy-to-follow ongoing rewards program. Note that there are no introductory reward points like other cards may offer.

Chase Ink Business Cash^SM: Best for Office Supply Purchases

Ink Business Cash℠ Credit Card

On Chase's Secure Website

See Full Editorial Review Here

Rating 5 5

Best For: Office-based businesses that want top cash back rewards

Intro APR ^?0% APR for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Why we like it for 0% APR: This 0% APR business credit card offers unmatched office supply spending rewards. So, you should only consider this card if you’re an office-based business that needs to finance purchases. If you typically spend $1,000 per month on credit card purchases, you should be able to earn a welcome bonus. Not only will the introductory financing offer help you keep money in your pocket, but the welcome offer can help put even more money in your pocket.

Unlike the cards we rank above this Chase business credit card, the Chase Ink Business Cash^SM 0% introductory APR offer only applies to purchases. Look elsewhere if you need to help to transfer a balance.

Compare this card’s introductory offer to the American Express Blue Business Cash™ Card.

Discover it® Business Card: Best for Double the Rewards In the First 12 Months

Discover it® Business Card

On Discover's Secure Website

Rating 3 3

Best For: Earning double cash back rewards on new business expenses

Intro APR ^?0% for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0%	14.49% to 22.49% Variable	$0	Good - Excellent

Unlimited 1.5% Cash Back
Cash back Match - We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.
100% U.S. Based Customer Service
Free Employee Cards - Add employee cards with spending limits and earn rewards for all their purchases.

Pros

Double cash back on purchases on the first 12 months
0% APR on purchases

Cons

Low ongoing rewards after the first year
0% APR doesn’t cover balance transfers

Social Security alerts: You will be alerted with free Experian credit monitoring whenever your Social Security number appears on the dark web
Late fee waiver: You won’t incur a fee for the first late payment. Late fees are usually $39 for each occurrence.

Why we like it for 0% APR: The Discover it® Business Card has a unique introductory reward and a long 0% APR offer that applies to purchases. Discover will match all the rewards you earn during the first year. This means you can earn up to 3% cash back during the first 12 months—1.5% from the ongoing rewards and another 1.5% from the cash back match.

It’s important to note, though, that after your first year, this card will only earn 1.5% cash back. This means it loses some of its value. Choose this card if you want to finance larger business-related purchases and earn double the rewards during your first 12 months.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for Earning an Annual Bonus Up to $250

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

On US Bank's Secure Website

Rating 4 4

Best For: Tiered rewards on gas station, office supply store and cell phone purchases

Intro APR ^?0% APR for nine billing cycles on purchases	Regular APR	Annual Fee	Credit Needed
0%*	11.99% - 22.99%* Variable	$0*	Excellent

Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening
0% Intro APR on purchases for the first 9 billing cycles. After that variable APR currently 11.99% - 22.99%
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
1% cash back on other eligible net purchases
No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns

Pros

A 0% APR period on purchases on balance transfers
25% annual cash rewards bonus

Cons

Small introductory bonus offer
Balance transfer fee

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.

Why we like it for 0% APR: This 0% APR business credit card is one of a kind, as it offers a unique annual cash bonus based on your prior year’s rewards. You’ll get a shot at earning an annual bonus worth up to $250. It’s also the only card on our list that offers a welcome offer and an annual bonus, so use this card if you are searching to earn some extra bucks.

It also offers ongoing rewards for spending at office supply stores, gas stations, and even on cellphone purchases and service. This is the only card on our list, and that we’ve reviewed, that pays rewards for cellphone-related purchases and service.

You’ll be able to finance purchases with no interest for nine billing cycles. While this is not the best 0% introductory APR offer on our list, the card’s welcome offer and unique annual bonus earn it a spot as one of the best 0% APR business credit cards.

Capital One® Spark® Cash Select for Business: Best for Unlimited Fixed-rate Rewards and Introductory Rewards

Capital One® Spark® Cash Select for Business

on Capital One® Spark® Cash Select for Business's secure website.