7 Best 0% APR Business Credit Cards of 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
When looking for no interest business credit cards, consider the length of the 0% introductory period, the fees and rewards, and other benefits. The best 0% APR business credit cards offer interest-free financing on purchases and balance transfers, have zero to low annual fees, and let you earn rewards.
Here are our top choices for the best 0% APR business credit cards:
- U.S. Bank Business Platinum: Best overall 0% APR business credit card
- U.S. Bank Triple Cash Rewards World Elite Mastercard: Best for 0% APR for 15 billing cycles plus rewards
- American Express Blue Business CashTM: Best for cash rewards
- Chase Ink Business Unlimited®: Best for easy unlimited rewards
- Wells Fargo Business Platinum: Best for earning either cash back or points rewards
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for lowest starting APR
- Discover it® Cash Back: Best personal card with 0% APR for 14 billing cycles
To see how this card stacks up against others we reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison.
U.S. Bank Business Platinum: Best Overall 0% APR Business Credit Card
U.S. Bank Business Platinum Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
0% for first 20 billing cycles
Regular APR
13.49% to 22.49% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.49% to 22.49%.
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay ™Plan.
- Expense management tool Visa Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- 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.
Intro APR
0% for first 20 billing cycles
Regular APR
13.49% to 22.49% (Variable)
Annual Fee
$0
Credit Needed
Good/Excellent
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 13.49% to 22.49%.
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay ™Plan.
- Expense management tool Visa Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- 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 is our choice for the best overall card thanks to its introductory offer of 0% APR on both purchases and balance transfers for the first 20 billing cycles. It has the longest 0% APR period among all the business cards on this list. This card is an excellent option if you plan to make a significant business purchase, such as equipment, computers, or office furniture, or if you have high debt on other cards. You can pay down your balance free of interest over the course of nearly two years.
Even though this card doesn’t offer rewards, it can still be beneficial to your business. You can save on overall credit costs since it comes with no annual fee and a low starting APR of 13.49% when the introductory period ends. Because of its long 0% APR period, the U.S. Bank Business Platinum is also named one of the best business credit cards for startups.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for Long APR Period Plus Rewards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
0% for first 15 billing cycles
Regular APR
15.49% to 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the account owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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 1 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.
Intro APR
0% for first 15 billing cycles
Regular APR
15.49% to 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the account owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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 1 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: The U.S. Bank Triple Cash Rewards World Elite Mastercard® is an exceptional business credit card for interest-free financing options and earning rewards. It offers 0% APR for the first 15 billing cycles on both purchases and balance transfers. Plus, you can save on everyday expenses by earning cash back. You can earn 3% cash back at eligible gas stations, restaurants, mobile phone service providers, and office supply stores. You also get 1% cash back on all other eligible purchases.
Finally, earn $500 cash back after spending $4,500 in the first 150 days of card ownership. There’s no annual fee, and rewards never expire. After the introductory period, regular APR starting at 15.49% will apply. Because of its generous cash back rewards on fuel and dining, the U.S. Bank Triple Cash Rewards World Elite Mastercard® is also one of the best fuel cards for small businesses.
American Express Blue Business CashTM: Best for Cash Rewards
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
Intro APR
0% on purchases
Regular APR
14.74% - 22.74% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- 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.
Intro APR
0% on purchases
Regular APR
14.74% - 22.74% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- 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.
Why we like it: The American Express Blue Business CashTM card gives you 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back thereafter. The cash back that you earned is credited to your statement automatically. This card offers 0% APR on purchases for 12 months after opening an account. Unlike the U.S. Bank Triple Cash Rewards World Elite Mastercard®, this card’s zero-interest financing doesn’t apply to balance transfer transactions.
Aside from the ongoing rewards, you can also earn a $250 statement credit after spending $3,000 in the first three months of card ownership. Moreover, the American Express Blue Business CashTM card has no annual fee and it features expanded buying power which allows you to spend over your credit limit. It’s also named one of the best Amazon business credit cards because of its steady cash back rewards.
Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards
Ink Business Unlimited® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 1.5% cash back on every single purchase
Intro APR
0% Intro APR on Purchases
Regular APR
13.99% - 19.99% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Intro APR
0% Intro APR on Purchases
Regular APR
13.99% - 19.99% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Charges foreign transaction fees
- Requires excellent credit to qualify
- 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 US 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Why we like it: In addition to a 12-month 0% introductory APR on all purchases, the Chase Ink Business Unlimited card offers cash back at a fixed rate of 1.5% for every $1 spent on any business purchase. There are no limits to the amount of cash back you can earn, and there’s no annual fee. Similar to the American Express Blue Business CashTM card, this card also doesn’t offer an interest-free financing option on balance transfers.
The Chase Ink Business Unlimited card can help you reduce your overall credit cost because it has no annual fee and a low starting APR of 13.99% when the introductory period ends. As a welcome offer, you’ll receive $750 back after spending $3,000 in the first three months of card ownership. This card’s simplicity, ease of use, and fixed-rate rewards with no spend categories make it our choice for the best overall small business credit card.
Wells Fargo Business Platinum: Best for Earning Either Cash Back or Points Rewards
Wells Fargo Business Platinum Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Choosing cash back or points rewards with no annual fee
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Why we like it: Unlike the other business credit cards in this list that offer 0% APR for 12 months or more, the interest-free financing period offered by the Wells Fargo Business Platinum card is only for nine months. However, this card comes with a low starting APR of 12.74%, no annual fee, and it’s the only card that allows you to choose between earning cash back or points-based rewards. You can earn 1.5% cash back on all qualifying purchases or 1x point for every dollar spent.
If you choose to earn points, you’ll receive additional 1,000 bonus points every billing cycle if you spend at least $1,000. After opening an account, you’ll earn $300 cash back or 3,000 bonus points when you spend $3,000 in the first three months. This card is also one of the best business credit cards that don’t report to personal credit bureaus, making it a great option if you don’t want your business credit transactions to affect your personal credit score.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Lowest Starting APR
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
11.74% to 20.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
11.74% to 20.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.
Why we like it: Among all the credit cards included in this list, the PNC Cash Rewards® Visa Signature® Business Credit Card offers the lowest starting APR, which is 11.24%. Just like the Wells Fargo Business Platinum card, this card offers 0% APR on purchases for the first nine billing cycles after opening an account. Even though the 0% APR period is shorter than most other cards on this list, the low annual fee and low ongoing APR make this a great option for carrying a credit card balance.
This card offers unlimited 1.5% cash back on all eligible purchases, regardless of spending categories. Additionally, you’ll earn a $200 bonus when you spend $3,000 in qualifying purchases within the first three billing cycles of card membership. The PNC Cash Rewards® Visa Signature® Business Credit Card also made it to our list of the best business credit cards with no annual fee.
Discover it® Cash Back: Best Personal Card With 0% APR for 14 Billing Cycles
Discover it® Cash Back
BEST FOR:
Double cash back on the first year’s purchases
Intro APR
0%
Regular APR
12.24% - 23.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon, and more, up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases—automatically.
- We'll match all the cash back you've earned at the end of your first year automatically. There's no signing up and no limit to how much we'll match.
Pros
- Excellent rewards rate on rotating bonus categories
- Double the highest rate for the first 12 months
- 0% APR period that’s longer than most cards
Cons
- Cardholders must enroll each quarter
- Bonus rewards are capped at $1,500 each quarter
- No purchase protection or extended warranty protection
- Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
- Late fee waiver: You won’t pay a late fee the first time your payment is late. Late fees are up to $39 thereafter.
Intro APR
0%
Regular APR
12.24% - 23.24% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon, and more, up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases—automatically.
- We'll match all the cash back you've earned at the end of your first year automatically. There's no signing up and no limit to how much we'll match.
Pros
- Excellent rewards rate on rotating bonus categories
- Double the highest rate for the first 12 months
- 0% APR period that’s longer than most cards
Cons
- Cardholders must enroll each quarter
- Bonus rewards are capped at $1,500 each quarter
- No purchase protection or extended warranty protection
- Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
- Late fee waiver: You won’t pay a late fee the first time your payment is late. Late fees are up to $39 thereafter.
Why we like it: Unlike the other cards on this list, the Discover it® Cash Back card is a personal credit card and not a business credit card. However, you can still benefit from its extended 0% APR for 14 months on both purchases and balance transfers and pay no annual fee. At the end of your first year of card ownership, Discover® will pay you an unlimited cash back match of all the rewards you earned throughout the year.
You’ll get 5% cash back from selected purchases in rotating categories every quarter, and 1% on all other purchases. To benefit the most from this card, it’s best to separate your business and personal purchases from the start for an easier tax season. Because of its lucrative cash back rewards program, this card is part of the best cash back business credit cards.
When to Use a 0% APR Business Credit Card
Business owners who plan to make a large purchase should opt for a 0% APR business credit card. You can take advantage of zero-interest financing for a certain period, and this can help you save hundreds of dollars in interest. No interest business credit cards can also be used to finance everyday purchases, and you won’t need to pay off your balance each month to avoid interest charges.
If you plan to consolidate your existing debts from other cards, using a 0% APR business credit card can help you settle your balance interest-free. If this is your goal, make sure to choose business credit cards for balance transfers that offer a long 0% APR period. Keep in mind that introductory 0% offers generally don’t last long, so it’s crucial to plan your budget carefully and ensure you settle your balance before the promo period ends.
How We Evaluated the Best 0% APR Business Credit Cards
When finding the best 0% APR business credit cards, we first considered the term of the 0% APR period, whether balance transfers were included as part of the introductory offer, rewards, and fees. We also took into account the ways each card provided any additional discounts or benefits.
Bottom Line
Since 0% offers are temporary, you may want to consider making your biggest purchases soon after you’ve received your card so you can benefit from both the 0% APR and any introductory bonuses. If you plan to use the card for a balance transfer, be sure to read the fine print to find the balance transfer fee, which typically ranges from 3% to 5% of the amount being transferred. If you’re interested to check out other business cards, visit our Credit Card Marketplace.
