A 0% business credit card is one that offers a 0% introductory APR period. These business credit cards usually don’t charge interest on purchases and balance transfers for the first 6 – 15 months. Zero percent business credit cards are typically used by business owners to float working capital expenses or transfer existing balances between business credit cards.
The Chase Ink Business Cash credit card is one of the best 0% APR credit cards. The card offers 0% interest on purchases and balance transfers for the first 12 months with ongoing APR rates between 14.74% – 20.74%. The card also offers up to 5% cash back on purchases as well as a $500 for new customers.
Best 0% APR Business Credit Cards
 American Express BlueBusiness Plus | 0% 15-month transfer intro APR, 12.24%-20.24%ongoing APR | |
 Chase Ink Business Cash | 0% 12-month transfer intro APR, 13.24%-20.24% ongoing APR | |
 Capital One Spark Cash Select | 13.99%-21.99% ongoing APR, No balance transfers | |
 Capital One Spark Miles Select | 13.99%-21.99% ongoing APR, No balance transfers | |
 American ExpressSimplyCash Plus | 13.24%-20.24% ongoing APR, No balance transfers | Visit American Express |
Best 0% Business Credit Card 2017
A 0% Business credit card allows companies to cover working capital expenses without having to pay the credit card bill at the end of each month. We therefore rated the best 0 percent business credit cards based on the length of their 0% introductory periods. Below is a list of the 5 best zero percent business credit cards.
1. American Express Blue Business Plus
The American Express Blue Business Plus card is a small business credit card that offers a 15-month 0% introductory APR period. This is one of the longest periods currently available. In addition to the introductory APR, the card offers ongoing rewards of 1x – 2x points per dollar spent. However, there is no introductory bonus offer.
American Express Blue Business Plus Costs, Terms, & Qualifications
The American Express Blue Business Plus card doesn’t have annual fees. The card offers 0% interest on purchases/balance transfers for the first 15 months. However, ongoing APR rates range from 12.24% – 20.24% and ongoing balance transfer fees equal 3%. The card also has 3% cash advance fees and 2.7% foreign transaction fees.
In addition to the zero percent introductory period, this 0% business credit card also offers ongoing rewards points. Specifically, the American Express Blue Business Plus card gives its cardholders 2x rewards points for each dollar spent, up to $50k. After the $50k threshold is met the rewards rate drops to 1x per dollar spent. There is no introductory reward points offer.
The American Express Blue Business Plus card typically only takes into account the personal credit score of the business owner during the application process. This means that there will be a hard credit check on the business owner’s credit report and that the owner will have joint liability with the company.
A rule of thumb is that business owners should have a minimum credit score of 690. If you don’t already know your personal credit score, you can check it for free here. In addition to your personal credit score, you’ll also receive 2 free business credit score summary reports.
Where to Get the American Express Blue 0% Business Credit Card
The American Express Blue Business Plus credit card can be found directly on the American Express website as well as through AmEx partners like NAV. Once approved, the 15-month introductory APR period starts as soon as you receive your 0% business credit card. Visit NAV for more information on how to apply.
2. Chase Ink Business Cash
Chase Ink Business Cash Costs, Terms, & Qualifications
The Chase Ink Business Cash card doesn’t have an annual fee. Rather, the card offers a 12-month introductory period of 0% interest on purchases and balance transfers. After 12 months, ongoing APR rates range from 14.49% – 20.49%. The card also has ongoing balance transfer and cash advance fees of 5% as well as 3% foreign transaction fees.
This card also currently has one of the better cash back rewards programs available to small businesses. First, the card offers a $500 introductory statement credit when you spend $3k on purchases in your first 3 months. Then, the card has ongoing cash back rewards between 1% – 5%, which includes the following:
- 5% cash back – On the first $25k spent in combined purchases at office supply stores and on cellular or landline phones, internet, and cable tv service.
- 2% cash back – On the first $25k spent in combined gas station and restaurant purchases.
- 1% cash back – all other purchases made on the card, with no limits.
However, the Chase Ink Business Cash card has a $25k annual cap on its 5% and 2% spending categories. For example, once spend $25k on gas and restaurant purchases, the cash back rewards drop from 2% to 1% until the new year begins. Like the introductory offer, ongoing cash back is received in the form of a statement credit.
Like the American Express card above, the Chase Ink Business Cash card typically has qualifications that only look at the personal credit score of the business owner. A rule of thumb is that a business owner should have a personal credit score of at least 690. You can check your personal credit score for free here.
However, a company’s business credit report, such as the D&B credit report, might also be looked at as part of the application process. Regardless, liability is usually shared jointly between the business owner and the business itself.
Where to Get the Chase Ink 0% Business Credit Card
The Chase Ink Business Cash card can be found online using the Chase portal as well as through one of their partners like NAV. The application process is quick and you should be able to get approved within 24 hours. The 0% business credit card typically arrives in 7 – 10 business days.
3. Capital One Spark Cash Business
Capital One Spark Cash Business Plus Costs, Terms, & Qualifications
The Capital One Spark Cash Select doesn’t have an annual fee. The 0% business credit card offers 9-months of zero percent interest on purchases and balance transfers and ongoing APR rates between 13.99% – 21.99%. The card also has a 3% fee for cash advances and doesn’t offer balance transfers. There are no foreign transaction fees.
While there are no balance transfers, the Capital One Spark Cash Select offers other perks, such as 1.5% ongoing cash back rewards for each dollar spent. There are no spending categories. Each purchase on the card receives a statement credit equal to 1.5%. There is also an introductory $200 cash bonus when you spend $3k in the first 3 months.
The qualification requirements for the Capital One Spark Cash Select are comparatively lower than the other two cards. A good rule of thumb is that a small business owner should have a credit score of 640+ if they want to qualify and liability is held jointly. You can check your personal credit score for free here as well as get 2 free business credit score summaries.
Where to Get the Capital One Spark Cash 0% Business Card
Like the cards above, you can get the Capital One Spark Cash Select card on the Capital One website as well as through one of its partners like NAV. This card is one of the easiest 0% business credit cards to apply for and one of the easiest to qualify. Visit NAV for more information on how to apply.
4. Capital One Spark Miles Select
Capital One Spark Miles Select Costs, Terms, & Qualifications
The Capital One Spark Miles Select card doesn’t have an annual fee. The business credit card has an introductory offer of 0% interest for the first 9 months on all purchases. After 9 months, ongoing APR rates range from 13.99% – 21.99%. There is a 3% cash advance fee and the card typically doesn’t allow balance transfers.
The Capital One Spark Miles Select card also has an introductory offer of 20k miles if you spend $3k within the first 3 months. Ongoing rewards points equal 1.5x miles for every dollar spent on the card. There are no spending categories or spending limits for the ongoing rewards program.
Like the Capital One Spark Cash Select card above, the Capital One Spark Miles Select card has comparatively easier qualification requirements. Typically, small business owners with personal credit scores of 640+ can qualify for the card. Liability is held jointly between the business owner and business. You can check your personal credit score for free here.
Where to Get the Capital One Spark Miles Select 0% Business Credit Card
The Capital One Spark Miles Select card can be applied for using the Capital One portal or through one of its verified partners like NAV. It’s possible to get approved in as little as 24 hours and the 0% business credit card can be received within 7 – 10 business days.
5. American Express SimplyCash Plus
The American Express SimplyCash Plus card is another one of the 0% APR business credit cards that offers a 9-month introductory period of 0% APR on all purchases. The card also offers two introductory statement credits worth a combined $400 and ongoing cash back rewards between 1% – 5%. There are no balance transfers which can hurt financing options.
American Express SimplyCash Plus Costs, Terms, & Qualifications
The American Express SimplyCash Plus card doesn’t have an annual fee. The card also has a 0% introductory offer for the first 9 months on all purchases made on the 0% business credit card. After the intro period, ongoing APR rates range from 13.24% – 20.24%. There is also a 2.7% foreign transaction fee.
In addition to the 0% APR introductory period, the American Express SimplyCash Plus card also offers a $200 introductory statement credit if you spend $5k in the first 3 months. Additionally, you can earn an additional $200 in statement credits if you spend $10k in the first 6 months. What’s more, the card offers ongoing cash back rewards equal to the following:
- 5% cash back – Wireless telephone services.
- 3% cash back – Spending category of your choice.
- 1% cash back – All other purchases.
The American Express SimplyCash Plus card caps its spending categories at $50k per year. Once the $50k threshold is met in a specific spending category the rewards rate drops to 1%. Like the intro offer, ongoing cash back is received in the form of a statement credit between 30 – 60 days after a bill is paid.
Like the other American Express card on our list, the American Express SimplyCash Plus card typically requires a personal credit score of 690+ for approval. Liability is held jointly between the business and business owner. You can check your personal credit score for free here as well as receive 2 free business credit score summary reports.
Where to Get the American Express SimplyCash Plus Card
The American Express SimplyCash Plus card can be applied for online directly with American Express as well as through verified partners such as NAV. It’s one of the harder zero percent business credit cards to apply for but is rated as one of the best startup business credit cards.
Get American Express SimplyCash
Complete List of Zero Percent
Business Credit Cards
| American Express Blue Business Plus | 0% 15-month transfer intro APR, 12.24%-20.24% ongoing APR |
| Chase Ink Business Cash | 0% 12-month transfer intro APR, 13.24%-20.24% ongoing APR |
| Capital One Spark Cash Select | 13.99%-21.99% ongoing APR, No balance transfers |
| Capital One Spark Miles Select | 13.99%-21.99% ongoing APR, No balance transfers |
| American Express SimplyCash Plus | 13.24%-20.24% ongoing APR, No balance transfers |
0% 9 Billing Cycles intro APR, 12.49% - 22.49% Variable APR on balance transfers, 12.49% - 22.49% Variable APR on balance transfers |
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0% for 9 Billing Cycles intro APR, 12.49% - 22.49% Variable APR on balance transfers, 12.49% - 22.49% Variable APR on purchases |
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 US Bank Business Edge Platinum | 0% 12-month transfer intro APR, 10.24%-18.24% ongoing APR |
14.24%-21.24% ongoing APR, No balance transfers |
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 Citizen’s Bank EverydayPoints Business Mastercard | 11.99%-21.99% ongoing APR, No balance transfers |
Bank of America® Business Advantage Cash Rewards Mastercard
Bank of America® Business Advantage Travel Rewards World Mastercard®
GM BuyPower Business CardBottom Line: Best 0% Business Credit Cards
A 0% business credit card is a great option for business owners who need to float working capital expenses for 9 – 15 months. Zero percent business credit cards typically offer 0% interest on purchases and balance transfers before switching to an ongoing APR rate. These 0% APR business credit cards will also offer cash back or rewards points.
The Chase Ink Business Cash card is one of our recommended 0% APR business credit card. The card has no annual fee with 0% interest on purchases and balance transfers for the first 12 months. Ongoing APR rates between 14.74% – 20.74%. Apply online in minutes.
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