10 Best 0% APR Business Credit Cards 2019

The best 0% annual percentage rate (APR) business credit cards offer long introductory interest-free periods for purchases and balance transfers. Small businesses can use no-interest credit cards to fund purchases or free up capital for their companies. We found 10 cards that offer low fees, top rewards, and interest-free periods of nine months or longer.

Top 10 0% APR Business Credit Cards May 2019

What’s Changed With the Best 0% APR Business Credit Cards

This article was originally published in September 2017. We update the content regularly because the banks, credit unions, and other providers we cover change their product offerings frequently. We also monitor interest rate changes from the Federal Reserve. The central bank held rates steady at its March meeting. Two cards on our list recently changed their balance transfer offers.

Recent changes with the largest impact on our list of the best small business credit card rankings are: Read More

How We Evaluated No-interest Credit Cards for Businesses

To rank the best 0% interest business credit cards, we focused on business credit cards that offer introductory 0% APR periods of nine months or longer and also included two personal credit cards that might appeal to business owners who can’t immediately qualify for a business credit card.

The best 0 APR business credit cards require a credit score of 690 or higher to qualify. We considered the minimum qualifications and the following criteria for choosing the best 0% credit cards:

• APR: The length of the introductory 0% period and the ongoing interest rate
• Rewards: Points or cashback earned by using your business credit card
• Fees: Charges, including those assessed on balance transfers
• Additional features: Benefits offered to cardholders like extended warranties

After assessing all of the criteria, we found the best overall no-interest credit card is the American Express Blue Business℠ Plus. It offers the best combination of introductory and ongoing APRs of any card on our list — 0% APR for 12 months on purchases and balance transfers and an ongoing APR of as low as 15.49%.

Credit cards that offer nine months or longer of 0% interest are best for businesses looking to fund large purchases or pay down high-interest debt. Find all of the best small business credit cards in our Credit Card Marketplace.

Visit the Fit Small Business Credit Card Marketplace

American Express Blue Business℠ Plus: Overall Best 0% APR Business Credit Card

The American Express Blue Business℠ Plus is our top pick because of the combination of a long 0% introductory period and a lower balance transfer fee than other cards charge. Enjoy a 12-month 0% introductory APR period on purchases and balance transfers and an ongoing APR of as low as 15.49%.

American Express Blue Business℠ Plus Costs

Financing costs and fees on the American Express Blue Business℠ Plus include:

• Introductory APR: 0% for 12 months on purchases and balance transfers
• Ongoing APR: 15.49% to 21.49%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater
• Foreign transaction fee: 2.7% on all purchases made outside the United States

Among credit cards with 0% interest, Blue Business℠ Plus offers one of the longest introductory period of any card on our list, behind Citi Simplicity, which offers a 21-month no-interest period on balance transfers. On the low end of the range, its ongoing APR is among the lowest among the best 0% credit cards.

American Express Blue Business℠ Plus Rewards

Cardholders will earn 2x Membership Rewards points on all spending up to $50,000 a year, then 1x points, which means there are no bonus categories to track. This differs from other no-interest credit cards on our list, which may offer larger rewards in certain purchasing categories like office supplies, but typically only 1% or 1x points on everyday spending.

Introductory Rewards

Blue Business℠ Plus offers no sign-up bonus. It one of four no-interest credit cards on our list that come with no introductory rewards, including the American Express SimplyCash® Plus, GM BuyPower Business card, Citi Simplicity, and Chase Slate.

Ongoing Rewards

Earn the following rewards when using your card:

• 2x points on all purchases up to $50,000 each year
• 1x points on all additional purchases

Membership Rewards points can be redeemed for airfare or other paid travel through American Express Travel, gift cards, or statement credits against eligible charges. Cardholders also can transfer points to airline and hotel partners. This is one of two cards our list, including the Capital One® Spark® Miles Select for Business, that offers points and miles redeemable for airfare.

American Express Blue Business℠ Plus Additional Features

The American Express Blue Business℠ Plus comes protections against loss and damage, including:

• Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express 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

These benefits are standard, although the length of coverage on purchase protection is more than the 90 days the Capital One® Spark® Miles for Business offers.

What American Express Blue Business℠ Plus Is Missing

American Express Blue Business℠ Plus doesn’t offer introductory rewards, while other cards on our list like the Chase Ink Business Cash℠ Card offer sign-up bonuses worth as much as $500. You’ll also earn fixed-rate ongoing rewards, which is bad for businesses that spend heavily in certain categories — like airfare or gas — where other cards offer enhanced rewards.

American Express Blue Business℠ Plus Reviews

We considered both user reviews and our editorial review when rating this card. American Express Blue Business℠ Plus reviews are generally positive. Cardholders like the fixed-rate rewards this card earns. The card loses a bit of luster because it offers no introductory rewards.

American Express Blue Business℠ Plus User Reviews

We found a number of online reviews for this card. Users say the card has helped them grow their firms. They value the points-based rewards system and the issuer’s excellent customer service. Some users say they’re disappointed that this card charges a 2.7% foreign transaction fee on all purchases made outside the U.S.

American Express Blue Business℠ Plus Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. American Express Blue Business℠ Plus is an excellent choice for users who want fixed-rate rewards, which could provide a long-term benefit for business owners. Unfortunately, this card offers no introductory rewards, which means you’ll sacrifice several hundred dollars or more than other cards offer.

Where to Apply for the American Express Blue Business℠ Plus

Apply for the American Express Blue Business℠ Plus credit card directly on the issuer’s website. If approved, the 12-month introductory APR period starts as soon as you receive your 0% business credit card.

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Chase Ink Business Cash℠: Best No-interest Credit Card for Office Supply Purchases

The Chase Ink Business Cash℠ Card is best for businesses with office supply expenses of up to $25,000 annually. It pays 5% cash back on office supply purchases and offers an outstanding $500 introductory cash reward after you spend $3,000 within the first three months. You’ll receive 0% introductory APR for 12 months on purchases.

Chase Ink Business Cash℠

Financing costs and fees on Chase Ink Business Cash℠ include:

• Introductory APR: 0% APR for 12 months on purchases
• Ongoing APR: 15.49% to 21.49%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 5% of the transfer, whichever is greater
• Foreign transaction fee: 3% on all purchases made outside the U.S.

If you need to transfer an existing credit card balance, Chase Ink Business Cash℠ isn’t a good choice as it doesn’t offer a 0% APR period on balance transfers. What’s more, it charges a higher balance transfer fee than the American Express Blue Business℠ Plus credit card, which charges just 3% to transfer a balance.

Chase Ink Business Cash℠ Card Rewards

The real appeal of the Chase Ink Business Cash℠ Card is its cash back rewards program for small businesses. It offers the highest introductory rewards offer among the no-interest cards on our list.

Introductory rewards

You’ll earn $500 cash back after you spend $3,000 on purchases in the first three months from account opening.

Ongoing rewards

Earn the following rewards when using your card:

• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone and landline services each account anniversary year, then 1%
• 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1%
• 1% cash back on all other purchases

This is just one other card competes with Chase Ink Business Cash℠ Card on rewarding office supply purchases. If your business spends more than $25,000 a year on office supplies, you may want to consider the American Express SimplyCash® Plus, which pays 5% cash back on up to $50,000 in office supply spending per year.

Chase Ink Business Cash℠ Card Additional Features

If you rent cars frequently for business, the protection this card offers may prove beneficial, along with other purchase insurance:

• 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

This is a similar package of benefits as several other cards on this list offer, although the purchase protection lasts longer than the 90 days offered by the Capital One® Spark® Cash Select for Business.

What Chase Ink Business Cash℠ Card Is Missing

The $25,000 annual cap on the 5% and 2% spending categories may prove to be too small for some business owners. This cap is half of what the American Express SimplyCash® Plus offers on annual office supply purchases. This card is not ideal for owners who need to transfer an existing credit card balance as there is no 0% APR introductory offer on balance transfers.

Chase Ink Business Cash℠ Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Cash℠ reviews are generally very positive. The card gets high marks for its introductory and ongoing rewards. Some reviews suggest the card could add more bonus categories, especially covering travel purchases.

Chase Ink Business Cash℠ User Reviews

Users say they value the business-oriented rewards structure and the lack of an annual fee. Some say the ongoing APR is too high. On the low end of the range, this card’s APR is a bit better than average. The high end of the range is also about three percentage points lower than some cards charge.

Chase Ink Business Cash℠ Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Chase Ink Business Cash℠ is one of the top small business credit cards. It’s set apart from its peers by three features that are among the best available: introductory rewards, ongoing rewards, and a lengthy 0% introductory APR offer on purchases. This card could improve by adding travel rewards.

Where to Apply for the Chase Ink Business Cash℠ Card

Apply for the Chase Ink Business Cash℠ card online. The application process is quick, and you should be able to get approved within 24 hours if not instantly. This 0% business credit card typically arrives in seven to 10 business days.

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Capital One® Spark® Cash Select for Business: Best 0% Credit Card for Fixed-rate Cash Back Rewards

Capital One® Spark® Cash Select for Business is best for businesses that want to earn fixed-rate cash back rewards on all spending. This card offers the highest fixed-rate cash back on our list at 1.5%. The nine-month no-interest introductory period on this card is a bit shorter than other best 0% interest credit cards on our list, including the American Express Blue Business℠ Plus.

Capital One® Spark® Cash Select for Business Costs

Financing costs and fees on the Capital One® Spark® Cash Select for Business include:

• Introductory APR: 0% for nine months on purchases
• Ongoing APR: 15.24% to 23.24%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: None
• Foreign transaction fee: None

Capital One doesn’t charge a balance transfer fee, unlike the Chase Ink Business Cash℠ Card, which charges 5% of the transferred balance. However, the Capital One® Spark® Cash Select for Business doesn’t include an introductory APR on balance transfers. Instead, balance transfers will be subject to the ongoing 15.24% to 23.24% APR, based on your creditworthiness.

Capital One® Spark® Cash Select for Business Rewards

The real appeal of the Capital One® Spark® Cash Select for Business is for business owners who don’t have the time or inclination to track rewards categories. You’ll earn 1.5% cash back on all spending and a $200 introductory cash bonus (when you spend $3,000 within the first three months from account opening), which is less than the $500 you could earn with Chase Ink Business Cash℠.

Introductory Rewards

You’ll earn a $200 cash bonus when you spend $3,000 within the first three months from account opening.

Ongoing Rewards

You earn 1.5% cash back on all spending with no limits when using your card.

There is no opportunity to earn bonus rewards of up to 5% on category spending like Chase Ink Business Cash℠ offers, but that card pays 1% on everyday spending, slightly lower than the 1.5% return the Capital One card offers on all spending.

Capital One® Spark® Cash Select for Business Additional Features

Like several other cards on our list of the best 0% APR business credit cards, Capital One® Spark® Cash Select for Business offers several protections worth noting:

• Purchase protection: Covers your new purchases for 90 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 up to one year on eligible warranties of three years or less

Notice that the length of purchase protection coverage is shorter at 90 days with Capital One than it is with other issuers like Chase, which offers protection for 120 days on its business cards.

What the Capital One® Spark® Cash Select for Business Is Missing

The biggest drawback for the Capital One® Spark® Cash Select for Business card is that there are no-interest-free balance transfers. If you have a balance on another card that’s accruing interest, you’ll be better off choosing the American Express Blue Business℠ Plus, which offers no-interest balance transfers for 12 months.

Capital One® Spark® Cash Select for Business Reviews

Capital One® Spark® Cash Select for Business generally receives solid online reviews. Users love the introductory interest-free period as well as the simple rewards program structure. At least one user complained that Capital One reports the account holder’s activity to consumer credit bureaus, which not all business card issuers do.

We considered both user reviews and our own editorial review when rating this card. Capital One reviews are typically positive. Users say they value the card because it keeps expenses to a minimum. It also offers a straightforward rewards program that pays the same for all purchases, but its return is lower than similar credit cards.

Capital One® Spark® Cash Select for Business User Reviews

We found numerous online reviews for the Capital One® Spark® Cash Select for Business card. Users love the introductory interest-free period, as well as the simple rewards program structure. Owners unhappy with the card are disappointed that Capital One reports account activity to consumer credit bureaus, which not all business card issuers do.

Capital One® Spark® Cash Select for Business Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Capital One® Spark® Cash Select for Business is great for a business with less than $19,000 of annual credit card expenses. If you spend more each year consider the Capital One® Spark® Cash for Business, which charges a $95 annual fee, which is waived the first year but also pays 2% cash back on all spending. However, that card doesn’t offer no-interest financing.

Where to Get the Capital One® Spark® Cash Select for Business

Apply for the Capital One® Spark® Cash Select for Business card on the Capital One website. This card is one of the easiest 0% business credit cards to apply for and one of the quickest to qualify, as applications are approved within minutes.

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Bank of America® Business Advantage Cash Rewards Mastercard: Best 0% APR Business Card for Low Ongoing Purchase APR

The Bank of America® Business Advantage Cash Rewards Mastercard is best for business owners who want excellent ongoing APRs. This card charges an APR as low as 14.49%, which is a percentage point lower than the American Express Blue Business℠ Plus. You’ll receive 0% introductory APR for nine billing cycles on purchases.

Bank of America® Business Advantage Cash Rewards Mastercard Costs

Financing costs and fees on the Bank of America® Business Advantage Cash Rewards Mastercard include:

• Introductory APR: 0% for nine billing cycles on purchases
• Ongoing APR: 14.49% to 24.49%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater.
• Foreign transaction fee: 3%

This card offers no introductory offer on balance transfers and — unlike the Capital One card — charges a balance transfer fee. Pick another no-interest credit card from our list if you need to transfer balances.

Bank of America® Business Advantage Cash Rewards Mastercard Rewards

You’ll need to make $3,000 in spending during the first 90 days after you open your account to qualify for the introductory $300 statement credit. That’s the lowest spending threshold among cards that offer introductory rewards on our list.

Introductory Rewards

You’ll earn a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Chase Ink Business Cash℠ offers the best introductory offer, $500 after you spend $3,000 within the first three months of account opening.

Ongoing Rewards

You’ll earn the following rewards when using your card:

• 3% cash back on the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)
• 2% cash back at restaurants
• 1% cash back on all other purchases

This card offers unique bonus value for businesses that have a Bank of America checking or savings account. Enroll in the Business Advantage Relationship Rewards program to receive an additional 75% rewards bonus on every purchase. These tiered-relationship bonuses begin when you have at least $20,000 in assets with the bank. Only the Bank of America® Business Advantage Travel Rewards World Mastercard offers a relationship bonus.

Bank of America® Business Advantage Cash Rewards Mastercard Additional Features

This card doesn’t come with nearly as many perks as other cards on our list, so keep that in mind when deciding which no-interest credit card to apply for. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. Cards like the Chase Ink Business Cash℠ Card offer additional benefits like purchase protection and car rental insurance.

What the Bank of America® Business Advantage Cash Rewards Mastercard Is Missing

You’ll find a better rewards rate on office supply spending with other business cards like the American Express SimplyCash® Plus (5%), and the introductory bonus is the lowest among the cards on our list that offer a welcome bonus.

Bank of America® Business Advantage Cash Rewards Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Cash Rewards Mastercard® reviews are generally mixed. This card is cheap to own, but the low APR and lack of an annual fee do come with a cost. Rewards and benefits aren’t as good on this Bank of America business card as on other cards.

Bank of America® Business Advantage Cash Rewards Mastercard® User Reviews

Bank of America® Business Advantage Cash Rewards Mastercard® users like the introductory 0% APR, the lack of an annual fee, and the ability to earn up to 3% ongoing cash rewards. However, some complain that the introductory rewards aren’t as high as other cards offer.

Bank of America® Business Advantage Cash Rewards Mastercard® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews find the Bank of America® Business Advantage Cash Rewards Mastercard® to be adequate, but not overwhelming. It offers good, but not great, ongoing rewards and good, but not great, introductory rewards.

Where to Apply for the Bank of America® Business Advantage Cash Rewards Mastercard

Apply for the Bank of America® Business Advantage Cash Rewards Mastercard online directly with Bank of America. The application takes five to 10 minutes to complete, and you should get a response quickly. New cards are typically received within two weeks.

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Capital One® Spark® Miles Select for Business: Best 0% APR Business Credit Card for Miles

Capital One® Spark® Miles Select for Business is best for companies that want a 0% APR period and want to earn miles rather than cash back. It pays 1.5x miles per dollar spent, the miles equivalent to the 1.5% cash back offered by the Capital One® Spark® Cash Select for Business. The introductory APR period of nine months is less than the 12 months offered by the American Express Blue Business℠ Plus.

Capital One® Spark® Miles Select for Business Costs

Financing costs and fees on the Capital One® Spark® Miles Select for Business include:

• Introductory APR: 0% for nine months on purchases
• Ongoing APR: 15.24% to 23.24%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: None
• Foreign transaction fee: None

If your travel frequently takes you abroad, this might be a better pick than, say, the American Express Blue Business℠ Plus, which charges a 2.7% foreign transaction fee. That can add up when you’re making hotel and dining purchases while on business travel.

Capital One® Spark® Miles Select for Business Rewards

The real appeal of the Capital One® Spark® Miles Select for Business is for business owners who don’t have the time or inclination to track rewards categories. You’ll earn 1.5x miles on all spending and a 20,000-mile introductory bonus when you spend $3,000 within the first three months from account opening (worth $200 in travel), which is less than the $500 you could earn with Chase Ink Business Cash℠.

Introductory Rewards

You’ll earn a 20,000-mile bonus when you spend $3,000 within the first three months from account opening.

Ongoing Rewards

Earn the 1.5x miles for every dollar spent when using your card.

There’s no real rewards advantage to using this card over the other Capital One card on our list, as the redemption rate is identical — each mile is worth one cent. However, you may find it more convenient to purchase travel directly with the issuer. No other card on our list offers that feature.

Capital One® Spark® Miles Select for Business Additional Features

Capital One® Spark® Miles Select for Business offers the following protections:

• Purchase protection: Covers your new purchases for 90 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 up to one year on eligible warranties of three years or less

Notice that the length of purchase protection coverage is shorter at 90 days with Capital One than it is with other cards like the Chase Ink Business Cash℠ Card, which offers purchase protection for up to 120 days.

What the Capital One® Spark® Miles Select for Business Is Missing

Capital One® Spark® Miles Select for Business offers a shorter 0% APR introductory period on purchases than most other cards on this list, including the Chase Ink Business Cash℠ Card (12 months). It also does not offer an interest-free period on balance transfers like the 12 months you’d receive with the American Express Blue Business℠ Plus card.

Capital One® Spark® Miles Select for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One reviews show that users generally like the 1.5x miles they earn on all purchases, but some bigger spenders may be better off finding a card that offers a higher return.

Capital One® Spark® Miles Select for Business User Reviews

Users appreciate the simple rewards program structure and the ability to use miles to pay for airfare. Cardholders unhappy with the card are disappointed that Capital One reports the primary cardholder’s account activity to consumer credit bureaus, which not all business card issuers do.

Capital One® Spark® Miles Select for Business Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. For businesses that put less than $19,000 in charges per year on their card, Capital One® Spark® Miles Select for Business offers a good return. However, you’ll be losing out on rewards if your company spends more. The Capital One® Spark® Miles for Business pays unlimited 2x miles per $1 on all spending and comes with a $95 annual fee, waived the first year. However, it offers no introductory APR period.

Where to Apply for the Capital One® Spark® Miles Select for Business

Apply for the Capital One® Spark® Miles Select for Business card online. It’s possible to get approved within minutes, and the issuer will deliver the 0% business credit card by mail within seven to 10 business days.

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American Express SimplyCash® Plus: Best 0% APR Business Card for Category Rewards

The American Express SimplyCash® Plus is best for companies with varying spending needs that want to pick which bonus spending category earns top rewards. The card pays 3% on up to $50,000 in annual spending, and then 1%, from one of eight categories from which you can pick. It also offers 0% introductory APR for 15 months on purchases, then an ongoing APR as low as 14.49%.

American Express SimplyCash® Plus Costs

Financing costs and fees on the American Express SimplyCash® Plus include:

• Introductory APR: 0% for 15 months on purchases
• Ongoing APR: 14.49% to 21.49%, which will adjust based on the prime rate
• Annual fee: None
• Foreign transaction fee: 2.7%

American Express SimplyCash® Plus doesn’t allow balance transfers. If you need to transfer debt from a high-interest credit card, look to a card like the American Express Blue Business℠ Plus, which offers 0% APR on balance transfers for 12 months. The 2.7% foreign transaction fee is high compared to the Capital One® Spark® Miles Select for Business, which charges none.

American Express SimplyCash® Plus Rewards

Ongoing rewards on the American Express SimplyCash® Plus are generous, particularly when it comes to office supply spending. You’ll earn the same 5% cash back at U.S. office supply stores with this card as you would with Chase Ink Business Cash℠, but the $50,000 spending cap is twice as much as the Chase card allows.

Introductory Rewards

The American Express SimplyCash® Plus currently offers no introductory sign-up bonus.

Ongoing Rewards

Earn the following rewards when using your card:

• 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers on up to $50,000 in purchases during a calendar year, then 1% thereafter
• 3% cash back on up to $50,000 in annual spending, and then 1%, from one of eight categories you pick from, which are airfare purchased directly from airlines, hotel rooms purchased directly from hotels, car rentals purchased from select car rental companies, U.S. gas stations, U.S. restaurants, U.S. purchases for advertising in select media, U.S. purchases for shipping or U.S. computer hardware, software, and cloud computing purchases made directly from select providers
• 1% cash back on all other eligible spending

This is the only card on our list of the best 0% credit cards that offer bonus rewards on Internet advertising, which could come in handy for firms that use Facebook or Google ads to support their business.

American Express SimplyCash® Plus Additional Features

The American Express SimplyCash® Plus includes both familiar purchase protection and extended warranty protection policies available on cards like the American Express Blue Business℠ Plus card and some rare benefits not seen on the other best 0% credit cards:

• Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; the issuer 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: American Express 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
• Above-limit purchasing: The card allows you to buy above your credit limit and get cashback on those purchases, too — with no overlimit fees; you must pay the amount above your credit limit in full each month on top of your minimum payment due
• 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

No other card on our list offers either above-limit purchasing or baggage insurance, the latter of which is typically available on the best business cards for travel rewards, many of which charge an annual fee.

What the American Express SimplyCash® Plus Is Missing

This card offers no introductory rewards, so you’ll have no opportunity to earn a sign-up bonus. Many other small business credit cards offer introductory rewards. And you’ll want to avoid this card when traveling overseas, not only because you’ll pay foreign transaction fees, but because American Express isn’t as widely accepted as Visa or Mastercard.

American Express SimplyCash® Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express SimplyCash® Plus reviews are typically positive. For businesses with more than $25,000 in office supply expenses annually, this is the go-to card because it has a higher ($50,000) spending cap than the Chase Ink Business Cash℠ card. It doesn’t offer a sign-up bonus, which is a real turn-off for some.

American Express SimplyCash® Plus User Reviews

Users love the flexibility to pick their spending category for 3% cash-back rewards. You can choose from eight different spending categories, like advertising expenses and car rentals. In online reviews, we found a number of users who wish this card offered introductory rewards.

American Express SimplyCash® Plus Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. American Express SimplyCash® Plus offers excellent ongoing rewards tailored for office-based small businesses. It loses some marks because it doesn’t offer introductory rewards nor no-interest financing on balance transfers.

Where to Apply for American Express SimplyCash® Plus

Apply for the American Express SimplyCash® Plus card online directly through the American Express website. It’s one of the harder 0% business credit cards to apply for because of the issuer’s credit standards, but it is rated as one of the best business cards for startup businesses.

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Bank of America® Business Advantage Travel Rewards World Mastercard: Best 0% APR Business Card for International Travel

The Bank of America® Business Advantage Travel Rewards World Mastercard is best for businesses that travel internationally. It pays three times the points per dollar spent on travel purchases and charges no foreign transaction fees. It offers 0% introductory APR for nine billing cycles on purchases, then an ongoing APR as low as 13.49%, the lowest on our list.

Bank of America® Business Advantage Travel Rewards World Mastercard Costs

Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard include:

• Introductory APR: 0% for nine billing cycles on purchases
• Ongoing APR: 13.49% to 23.49%, which will adjust based on the prime rate
• Annual fee: None
• Foreign transaction fee: None

This Bank of America business credit card offers an excellent ongoing APR as low as 13.49%, or one percentage point lower than any other card on our list. This is also one of the few cards that doesn’t charge a foreign transaction fee on purchases made outside the U.S., including the Capital One® Spark® Cash Select for Business and the Capital One® Spark® Miles for Business.

Bank of America® Business Advantage Travel Rewards World Mastercard Rewards

This card pays an excellent 3x points on travel — the highest among any card on our list — and unlimited 1.5 points on all other spending, which is the same as what the Capital One® Spark® Miles Select for Business offers.

Introductory Rewards

You’ll earn 25,000 bonus points after making at least $1,000 in purchases within the first 60 days of account opening. Redeem bonus points for a $250 statement credit toward travel purchases. That’s less than the $500 cashback the Chase Ink Business Cash℠ Card offers when you spend $3,000 within the first three months.

Ongoing Rewards

You’ll earn the following rewards when using your card:

• 3x points per dollar spent when you book your travel like car, hotel, and airline through the Bank of America Travel Center
• Unlimited 1.5x points for every $1 you spend on all purchases, everywhere, every time — no matter how much you spend

When you enroll in the Business Advantage Relationship Rewards program, you can get an additional 75% rewards bonus on every purchase you make. That means you can earn up to an unlimited 2.62 points on all purchases. However, to earn that rate, you have to have at least $100,000 in assets with the bank. Only the Bank of America® Business Advantage Cash Rewards Mastercard offers a similar relationship bonus.

Bank of America® Business Advantage Travel Rewards World Mastercard Additional Features

This card doesn’t come with nearly as many perks as other cards on our list, so keep that in mind when deciding which no-interest credit card to apply for. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. Cards like the Chase Ink Business Cash℠ Card offer additional benefits like purchase protection and car rental insurance.

What the Bank of America® Business Advantage Travel Rewards World Mastercard Is Missing

Points earned with the Bank of America® Business Advantage Travel Rewards World Mastercard don’t expire but can only be redeemed for statement credits against travel expenses booked through the Bank of America Travel Center. The Capital One® Spark® Miles for Business allows you to redeem miles for travel purchased directly from carriers or on discount travel sites.

Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America reviews are generally very positive. This card has good value and no annual fee. But that also means it includes few of the benefits, like airport lounge access, seen on travel rewards cards that charge an annual fee.

Bank of America® Business Advantage Travel Rewards World Mastercard® User Reviews

We scoured the internet to find user reviews for this card. Cardholders enjoy the rewards they can earn with the card but note that rewards aren’t as high as those provided some other travel credit cards, like the American Express Business Platinum Card®, which pays 5x points on airfare and hotels. However, the American Express card offers no 0% introductory APR.

Bank of America® Business Advantage Travel Rewards World Mastercard® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this Bank of America business card find this is a good pick for business owners looking for their first travel rewards card. It’s also ideal for owners leery of paying annual fees. But this card can’t compete with other travel rewards credit cards when it comes to card benefits.

Where to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard

Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard directly with Bank of America. It’s one of the easier 0% business credit cards to apply for and is an ideal card for business owners who travel frequently for business.

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GM BuyPower Business: Best 0% APR Business Card for Businesses With Fleet Vehicles

The GM BuyPower Business card is best for businesses that use GM fleet vehicles. It offers a 12-month, interest-free introductory period on purchases, but not balance transfers. Its ongoing 19.24% APR is about four percentage points higher than the lowest American Express Blue Business℠ Plus APR.

GM BuyPower Business Costs

Financing costs and fees on the GM BuyPower Business card include:

• Introductory APR: 0% for 12 months on purchases
• Ongoing APR: 19.24%, which will adjust based on the prime rate
• Annual Fee: None
• Foreign Transaction Fees: None

This card doesn’t offer an introductory APR on balance transfers, like the American Express Blue Business℠ Plus, which means this isn’t a good choice if you have high-interest debt to transfer.

GM BuyPower Business Rewards

The rewards are structured nicely to benefit businesses with several GM vehicles. You’ll earn 5% on purchases of GM parts and accessories and 3% at gas stations.

Introductory Rewards

GM BuyPower Business offers no sign-up bonus. It is one of just three no-interest credit cards on our list that come with no introductory rewards, including the American Express Blue Business℠ Plus, Citi Simplicity and Chase Slate.

Ongoing Rewards

Earn the following rewards when using your card:

• 5% on purchases of GM parts, accessories and service at authorized GM dealers
• 3% on purchases at gas stations, restaurants, and office supply stores
• 1% on all other purchases

The rewards program is unique among the best 0% APR cards on our list, but if you aren’t in the market for a new GM vehicle, steer clear. Instead, choose a card that pays 2x points on all spending, the American Express Blue Business℠ Plus.

GM BuyPower Business Additional Features

You won’t find purchase and travel protection perks on this card like other cards offer, but with Mastercard Easy Savings, you can enjoy exclusive savings with automatic rebates when you use your card at participating merchants nationwide.

Compare this Chase Ink Business Cash℠ Card, which offers auto rental insurance, purchase protection, and extended warranty protection.

What the GM BuyPower Business Is Missing

Rewards for the GM BuyPower Business card are centered around new purchases and leases of GM vehicles. If you don’t plan to use GM vehicles or need vehicles for business travel, this is a bad card for you. Instead, choose a card like the Capital One® Spark® Cash Select for Business, which offers 1.5% fixed-rate cash back rewards on all spending.

GM BuyPower Business Reviews

We considered both user reviews and editorial reviews when rating this card. This card receives mixed user reviews, particularly when it comes to the interest you’ll pay on balances carried from one month to the next. It’s also a card that holds little value for owners who aren’t loyal to GM.

GM BuyPower User Reviews

We found several online user reviews for this business credit card. The biggest complaint centers around the APR, which is not offered in a range based on your creditworthiness. Business owners can find ongoing APRs as low as 15.49% with the American Express Blue Business℠ Plus.

GM BuyPower Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card offers a lengthy introductory 0% APR offer on purchases. However, you’ll receive no introductory offer on balance transfers, no introductory rewards, and a high ongoing APR. This card is good only for GM loyalists who intend to buy another GM vehicle within five years.

Where to Apply for GM BuyPower Business

Apply for the GM BuyPower Business card online using the BuyPower portal. The application process is quick, and you should be able to get approved within 24 hours. The 0% business credit card typically arrives in seven to 10 business days.

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Citi Simplicity: Best No-interest Credit Card for Balance Transfers

Citi Simplicity is best for small businesses that want 21 months to pay off balance transfers. That’s the longest introductory period on balance transfers among credit cards with 0 interest. If you’re just starting your business or can’t qualify for a 0% interest business credit card, use a personal credit card to pay business expenses. It offers an ongoing APR as low as 15.99%.

Citi Simplicity Costs

Financing costs and fees on Citi Simplicity include:

• Introductory APR: 0% for 12 months on purchases and 21 months for balance transfers
• Ongoing APR: 15.99% to 25.99%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater
• Foreign transaction fee: 3%

If you know it’s going to take you a long time to pay off a previous card’s balance, there is no better choice than Citi Simplicity because it gives you 21 months to pay off balance transfers, the longest on our list. However, you’ll pay a hefty balance transfer fee of 5%. The best no-interest credit cards charge 3% or less. You must complete your transfer within four months of account opening.

You’ll also never be charged a late fee when you pay late, nor is there a penalty rate.

Citi Simplicity Rewards

Unlike most of the other cards on our list, Citi Simplicity offers neither introductory nor ongoing rewards. If paying off an existing balance is your most important goal, rewards should not be a priority anyway.

Citi Simplicity Additional Features

Citi Simplicity does not offer any of the travel or purchase protections seen on many of the other credit cards on our list of the best 0% APR business credit cards. However, it does come with two benefits that users in debt might find worthwhile: you’ll never pay a late fee, and your APR will never be assessed a penalty rate for being late. Chase Slate is the only other card on our list that won’t assess a penalty rate for late payments.

What Citi Simplicity Is Missing

Citi Simplicity is not a business credit card, which means it can’t help you build business credit. You’ll also receive no rewards, which means this card essentially loses all value after the introductory period ends.

Citi Simplicity Reviews

We considered both user reviews and editorial reviews when rating this card. Citi Simplicity receives average marks in online and editorial reviews. It does one thing well — offers no-interest financing on balance transfers— and is otherwise fairly mediocre. It offers no rewards, no introductory offer on purchases and few benefits.

Citi Simplicity User Reviews

We found a number of online user reviews for this card. Users complained about poor customer service and low credit lines. Others said they valued the balance transfer offer, which allowed them to get out from under APRs of more than 20%. However, this card loses most of its value after the end of the introductory period

Citi Simplicity Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Although Citi Simplicity isn’t a small business credit card — it’s a personal card — this card could prove valuable for owners looking to get out of credit card debt as cheaply as possible. It’s ideal for an owner who needs more than a year to pay off existing balances. You’ll want to find a different card after paying off your balance.

Where to Apply for Citi Simplicity

Apply for Citi Simplicity online directly on Citi’s website. It’s one of the easier 0% credit cards to get and is a great way to cover operating capital expenses for your business until you can get a dedicated business credit card.

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Chase Slate: Best 0% Introductory Offer With No Balance Transfer Fee

Chase Slate is best for small businesses that want to transfer a high-interest credit card balance without paying a balance transfer fee. It’s the only card on our list that offers free balance transfers within 60 days of account opening. It offers 0% introductory APR for 15 months on purchases and balance transfers, then an ongoing APR as low as 16.99%.

Chase Slate Costs

Financing costs and fees on Chase Slate include:

• Introductory APR: 0% for 15 months on purchases and balance transfers
• Ongoing APR: 16.99% to 25.74%, which will adjust based on the prime rate
• Annual fee: None
• Balance transfer fee: None on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
• Foreign transaction fee: 3%

This may be the cheapest card for balance transfers when you factor in transfer fees. Pay no fee when you transfer a balance within 60 days of account opening. Compare that with the American Express Blue Business℠ Plus, which charges 3%.

Pay your balance in full by the end of the introductory period, though, because the ongoing APR is higher than what other cards charge. The Bank of America® Business Advantage Cash Rewards Mastercard offers an ongoing APR as low as 14.49%.

Chase Slate Rewards

Chase Slate, along with Citi Simplicity, is one of just two cards on our list that offers no introductory or ongoing rewards. We ranked other cards higher on our list because they offer introductory rewards as high as $500 and ongoing rewards of up to 5%.

Chase Slate Additional Features

For a card that offers few frills, the features are fairly exceptional. You’ll get:

• A free FICO score: The issuer will update this monthly and monitor the reasons why your score may be up or down
• Purchase protection: Covers your purchases for 120 days against theft and damage up to $500 per claim and $50,000 per account per year
• No-penalty APR: This is the same benefit Citi Simplicity offers

The purchase protection coverage is similar to what the Chase Ink Business Cash℠ offers and better than the 90-day protection offered by the Capital One® Spark® Cash Select for Business.

What Chase Slate Is Missing

This card offers no introductory or ongoing rewards. Citi Simplicity is the only other card on our list that doesn’t offer rewards. This is a card with a singular purpose: To get you out of debt as cheaply as possible. It charges no interest on balance transfers for 15 months and no balance transfer fee on transfers made within 60 days of account opening.

Chase Slate Reviews

We considered both user reviews and editorial reviews when rating this personal credit card. Chase Slate earns average online reviews among users, who say the ongoing APR is too high for a card that supposed to save you money on interest payments. However, the lengthy introductory 0% APR offer is better than any of the small business credit cards on our list.

Chase Slate User Reviews

We found numerous online comments regarding this card when we searched for user reviews. Some users complain about getting rejected for the card despite having an above-average credit score. Others say the APR is too high, particularly for someone with a prime credit rating.

Chase Slate Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Chase Slate isn’t a small business credit card, but rather a personal card. However, it could prove more valuable in the short run than most 0% business credit cards. Its introductory no-interest offer is better than any other card on our list offers. Still, after the interest-free period expires, this card will have little remaining value.

Where to Apply for Chase Slate

Apply for Chase Slate online at the issuer’s website. You may learn of your approval instantly and receive your card in the mail within seven to 10 business days.

Note: The information related to the Chase Slate Credit Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Bottom Line

A 0% business credit card is a great option for business owners who need to float working capital expenses for nine to 21 months. You can find some of these top cards in the Fit Small Business Credit Card Marketplace. Remember, some of the best small business credit cards on this list also offer cashback or rewards points.

We find the American Express Blue Business℠ Plus card offers the most value because it combines a lengthy introductory period with solid ongoing APR and a nice rewards program.

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