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The best 0% APR business credit cards will offer at least a 6-month period in which no interest will be charged on purchases. Some may even offer this on balance transfers along with a combination of rewards programs, low or $0 annual fees, and other perks, like reimbursements or credits for certain types of purchases.
I’ve researched multiple credit card companies and come up with the following list as my picks for the best 0% APR business credit cards:
- U.S. Bank Triple Cash Rewards Visa®Business Card: Best overall for rewards categories and benefits
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemptions
- The American Express Blue Business Cash™ Card: Best 0% card with simple cash back rewards
- U.S. Bank Business Platinum Card: Best for low ongoing APR
- Overview of the best 0% APR business credit cards 2025
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best overall for rewards categories and benefits
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemptions
- The American Express Blue Business Cash™ Card: Best 0% card with simple cash back rewards
- U.S. Bank Business Platinum Card: Best for low ongoing APR
- How I selected the best 0% APR business credit cards
- Frequently asked questions (FAQs)
- Bottom line
Overview of the best 0% APR business credit cards 2025
| Best for | Annual fee | 0% intro APR | Welcome offer | Ongoing rewards | ||
|---|---|---|---|---|---|---|
| U.S. Bank Triple Cash Rewards Visa® Business Card | Overall best for rewards categories and benefits | $0 | On purchases for 12 billing cycles | $750 cash back | Up to 5% cash back | |
 The Blue Business® Plus Credit Card from American Express | Flexible rewards redemptions | $0 | On purchases for 12 billing cycles | 15,000 Membership Rewards® points | Up to 2x points | Apply nowRates & Fees |
The American Express Blue Business Cash™ Card | Simple cash back rewards | $0 | On purchases for 12 billing cycles | $250 statement credit | Up to 2% cash back | Apply nowRates & Fees |
 U.S. Bank Business Platinum Card | Low ongoing APR | $0 | On purchases for 12 billing cycles | None | None |
U.S. Bank Triple Cash Rewards Visa® Business Card: Best overall for rewards categories and benefits
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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.
- 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 I like it
The U.S. Bank Triple Cash Rewards Visa® Business Card has all the requirements for a great 0% APR card, and it’s one that I personally carry in my own wallet. You’ll get a 0% intro APR for 12 billing cycles, after which it will adjust to a relatively low variable APR currently as low as 17.74%.
What sets this card apart from others, and why I selected it as the best overall, is its lucrative rewards program and valuable ongoing benefits that you can use to save money and reduce the effective cost of your business expenses. These are also why it made our list of the best small business credit cards.
You see, this card allows you to earn up to 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. That’s an easily overlooked benefit, as most individuals will only see the card’s ability to earn 3% cash back on eligible purchases at gas and EV charging stations (for transactions of $200 or less), office supply stores, cell phone service providers, and restaurants. Other benefits include a $100 credit for recurring software subscription expenses such as FreshBooks or QuickBooks. And, you’ll get all of that for a $0 annual fee.
Ongoing rewards
- 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
Other benefits
- $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 flexible rewards redemptions
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% 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, 16.74% - 28.49%, 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 above 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.
- 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.
(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.)
Why I like it
In addition to a 12-month 0% introductory APR, another big reason why I like the Blue Business® Plus Credit Card from American Express is that purchases made with it earn points that can be redeemed for a wide range of items. Examples include gift cards, Pay with Points, statement credits, transferring points to travel partners, or booking travel directly with American Express at AmexTravel.com.
This flexibility in redemption options means you can get a lot of value out of your points. I personally carry this card, and I’ve seen redemption values around 2 cents per point. Considering this card allows you to earn 2x points per dollar on the first $50,000 worth of purchases each year, it could effectively be seen as a 4%+ earnings card depending on how you redeem your rewards. You can view redemption options and use the Amex rewards calculator to see some examples of how valuable your rewards can be worth.
Ongoing rewards
- 2x points per dollar on the first $50,000 worth of purchases each year, then 1x point per dollar after that
Other benefits
- 15,000 Membership Rewards® points after spending $3,000 in the first three months of account membership
- $0 annual fees
The American Express Blue Business Cash™ Card: Best 0% card with simple cash back rewards
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% 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, 16.74% – 28.49%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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. Learn More.
- 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 I like it
The American Express Blue Business Cash™ Card is similar to the Blue Business® Plus Credit Card from American Express. It also has a 0% introductory period for 12 months from the date of account opening. It’s also great for balance transfers, as the card has a low fee of $5 or 3% of the transfer amount (whichever is greater), something that helped earn it a spot on our list of the best balance transfer credit cards. However, one of the biggest differences is that instead of earning points, you’ll earn cash back. This cash back is automatically credited to your statement, eliminating the need for you to manually redeem or research redemption options.
Other notable items include the ability to spend over your credit limit through its Expanded Buying Power feature based on your credit use, credit history, payment behavior, and other financial factors. And, with American Express, it’s possible to apply to see if you’re approved, with no impact on your credit score. If you apply and are notified that you are approved, you can then choose whether to accept or decline the card offer. Your credit score will not be affected until you formally accept the card.
Ongoing rewards
- 2% cash back on the first $50,000 purchases per calendar year, then 1% cash back when the cap is reached
Other benefits
- $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 Platinum Card: Best for low ongoing APR
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 16.24% - 25.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- Save on interest when you transfer balances from higher rate credit cards.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses and employee spending.
- No annual fee.
- Terms and conditions apply.
- 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 I like it
If you’re looking for a card with a low ongoing APR, the U.S. Bank Business Platinum Card will likely be your best bet. Once the 12-month 0% introductory APR ends, your card will carry a variable APR as low as 16.74%, based on current rates. For a credit card, that’s a highly competitive rate, which actually rivals some of the higher rates you might see on installment loans that typically have a reputation for being able to offer much lower interest rates.
This card also lets you cut back on expenses as it carries a $0 annual fee. With that said, one of the downsides of this card is that there are no ongoing rewards. If you’re looking to earn something for your purchases, whether it’s points or cash back, I recommend considering one of the other credit cards in this guide.
How I selected the best 0% APR business credit cards
When choosing the best 0% APR business credit cards, I first considered the length of the 0% APR period. I 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)
Does 0% APR mean no interest?
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.
When to use a 0% APR business credit card?
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.
What are the advantages and disadvantages of getting a business credit card with a 0% APR period?
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.
To see rates & fees for the American Express cards
American Express Blue Business® Plus
American Express Blue Business® Cash™
American Express® Business Gold Card
