5 Best 0% APR Business Credit Cards July 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: 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 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 bonus or ongoing reward structure, which means this card will lose most of its value once the introductory period ends. However, you’ll still have access to the lowest ongoing APR of any card on our list.

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

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

On US Bank's Secure Website

Rating 4 4

Best For: 0% APR for 15 Billing Cycles

Intro APR ^?0% APR for 15 billing cycles on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0%*	11.99% - 22.99% Variable	$0*	Excellent

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
0% Intro APR on purchases for the first 15 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: This business credit card is one of a kind, as it offers a unique annual cash bonus based on your prior year’s rewards. At the end of the year, you’ll earn an annual bonus worth up to $250. It’s also the only card on our list that includes a welcome offer and an annual bonus, so use this card if you’re looking to earn some extra bucks.

Plus, it offers ongoing rewards for spending at office supply stores, gas stations, and on cellphone purchases and service. This is the only card that made our list—and that we reviewed—that pays rewards for cellphone-related purchases and service.

Finally, this card lets you finance purchases and balance transfers with no interest for 15 billing cycles. While this is not the best 0% introductory APR offer on our list, it’s a terrific alternative to our top pick if you value a rewards program.

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	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 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

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: Business owners should use this no-interest business credit card if they value fixed-rate rewards. It pays 2% cash back on all spending. You’ll also tap into a long 0% introductory APR offer on purchases. While the length of this financing offer is strong, it doesn’t apply to balance transfers.

This is one of the few cards on our list that offers expanded buying power, which means you can spend above your credit limit if you need to access more capital. How much more you can spend is based on factors like your credit and payment history. While this could be extremely beneficial for some business owners, this card lacks an introductory offer like other cards on our list.

💡 Tip: Introductory rewards are a simple and easy way to earn several hundreds of dollars in the first few months of card ownership. Choosing a card that offers an incentive like this can help you cover additional business expenses.

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	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.24% - 19.24% Variable	No annual fee	Good, Excellent

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 for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at 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: American Express Blue Business® Plus offers the same introductory APR period as the American Express Blue Business Cash™ Card. However, American Express Blue Business® Plus pays its rewards in points instead of 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 gives you more buying power. So, if you need to spend more than your predetermined spending limit, this card gives you the power to do that. 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 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