9 Best 0% APR Business Credit Cards for 2023
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.
The best 0% annual percentage rate (APR) business credit cards offer interest-free financing on purchases and balance transfers and have zero or low annual fees. When looking for no-interest business credit cards, you need to consider the length of the 0% introductory period and other features and benefits. Introductory and ongoing rewards are plus factors that you may want to take into account.
Here are the nine best 0% APR business credit cards for 2023:
- U.S. Bank Business Platinum: Overall best 0% APR business credit card for 18 months and nationwide availability
- U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% APR for 15 months with up to 5% cash back
- American Express Blue Business CashTM: Best for instant approval with flexible credit limit and 12-month interest-free financing
- Chase Ink Business Unlimited®: Best for easy unlimited rewards with interest-free financing for 12 months
- Bank of America® Business Advantage Customized Cash Rewards Mastercard®: Best for earning rewards in your chosen category with 0% APR for nine billing cycles and no personal credit reporting
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for lowest starting APR with lucrative sign-up bonus and zero-interest option for nine months
- Capital One® Spark® Cash Select Good Credit: Best for 12 months interest-free financing for owners with good credit
- United Community Bank Business Card: Best for 0% APR for 18 billing cycles with branches in selected states
- Bank of the West Business Mastercard®: Best for 0% balance transfer APR for 12 months with up to 25% exclusive savings
Best No Interest Business Credit Cards at a Glance
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 for 18 Months & Nationwide Availability
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- 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.
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- 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 we like it: It is our top choice due to its introductory offer of 0% APR on both purchases and balance transfers for the first 18 billing cycles, which is the longest interest-free period on this list. It is an excellent option if you plan to make a significant business purchase, such as for equipment and office furniture, or have high debt on other cards. You can pay your balance, free of interest, over the course of nearly two years.
Things to note:
- It has no introductory or ongoing rewards.
- It doesn’t have an annual fee.
- Ongoing APR typically is lower than most other business cards.
The U.S. Bank Business Platinum is also our leading business credit card for balance transfers and one of our best business credit cards for startups because of its long interest-free period and no annual fees.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% APR for 15 Months & Up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone 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 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 purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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 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.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone 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 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 purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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 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: If you want to take advantage of a long 0% APR period while earning unlimited rewards, this card is an exceptional option. It comes with interest-free financing for the first 15 billing cycles on both purchases and balance transfers and offers up to 5% cash back.
Rewards:
- 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center
- 3% cash back at eligible gas stations, restaurants, mobile phone service providers, and office supply stores
- 1% cash back on all other eligible purchases
- $500 bonus cash back after spending $4,500 in the first 150 days of card ownership
- 100 annual statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks
Things to note:
- It charges no annual fee.
- Your rewards never expire.
- The ExtendPay® Plan feature lets you divide your large purchases into monthly installments for a small monthly fee but without interest.
- The regular APR is slightly higher compared to the U.S. Bank Business Platinum card.
Its long 15-month 0% APR period, no annual fee, and generous cash back rewards, especially on fuel, made the U.S. Bank Triple Cash Rewards World Elite Mastercard® our leading fuel card for small businesses and our top business credit card with no annual fee.
American Express Blue Business CashTM: Best for Instant Approval With Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 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
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, 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 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 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 card offers 0% APR on purchases for 12 months after opening an account. It is our leading instant approval business credit card because it offers a simple rewards program and flexible credit limit. The expanded buying power is a feature that lets you spend over your credit limit when you need to. The amount you can spend will vary based on your card usage, payment history, and financial resources.
Rewards:
- 2% cash back on all eligible purchases of up to $50,000 per calendar year
- 1% cash back when the cap is met
- $250 statement credit after spending $3,000 in the first three months of card ownership
Things to note:
- The cash back you earn is automatically credited to your statement.
- Its zero-interest financing does not apply to balance transfer transactions.
- It has $0 annual fee.
The American Express Blue Business CashTM is our top pick for the best cash back credit cards and is also one of our leading Amazon business credit cards because of its steady cash back rewards.
Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards With Interest-free Financing for 12 Months
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Why we like it: In addition to a 12-month 0% introductory APR on all purchases, Chase Ink Business Unlimited lets you earn fixed-rate, unlimited rewards on your eligible purchases without the need to keep track of spending categories. Plus, there are no limits to the amount of cash back you can earn, and your rewards don’t expire as long as your account remains open and in good standing.
Rewards:
- 1.5% cash back on any business purchase
- $900 bonus cash back after spending $6,000 in the first three months of card ownership
Things to note:
- It does not offer an interest-free financing option on balance transfers.
- It comes with no annual fee.
- You can redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.
Chase Ink Business Unlimited is also our top-recommended small business credit card because of its simplicity, ease of use, and fixed-rate rewards with no spend categories.
Bank of America® Business Advantage Customized Cash Rewards Mastercard®: Best for Earning Rewards In Chosen Category With 0% APR for 9 Billing Cycles & No Personal Credit Reporting
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those wanting to earn 3% cash back in a spending category of your choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why we like it: If your business has significant expenses in various spending categories every month, you may find this card valuable. Aside from its 0% introductory APR on purchases for the first nine billing cycles, it offers premium cash back on your chosen expense category—plus, you can change your choice category once per calendar month. As one of the top business cards that don’t report to personal credit bureaus, it is also a good option if you don’t want your business transactions to affect your personal credit score.
Rewards:
- 3% cash back in the category of your choice:
- Gas stations & EV charging stations (default)
- Office supply stores
- Travel
- TV/telecom and wireless
- Computer services
- Business consulting services
- 2% cash back on dining purchases
- 1% cash back on all other expenses and when the cap is met
- $300 statement credit when you spend $3,000 in purchases in the first 90 days of opening an account
Things to note:
- You’ll only earn 3% and 2% cash back for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back if you have a Bank of America business checking account and can qualify for Preferred Rewards for Business.
- Your rewards don’t expire as long as your account remains open and in good standing.
- You can redeem your rewards as a deposit into your Bank of America® checking or savings account, as a card statement credit, or as a check mailed to you.
- The 0% APR period does not apply to balance transfers.
- It has no annual fee.
- It comes with up to $100,000 in travel accident insurance.
It is also one of our best business credit cards for limited liability company (LLC) because of its flexible rewards program and other benefits.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Lowest Starting APR With Lucrative Sign-up Bonus & Zero-interest Option for 9 Months
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% 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
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% 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
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Why we like it: Among all the credit cards here, this offers the lowest starting APR. Even though the 0% APR period is only for nine billing cycles, which is shorter than most cards in this guide, the low ongoing APR makes it a great option for carrying a credit card balance. What’s more, it offers a higher sign-up bonus compared to other cards on this list with the same spending requirements.
Rewards:
- 1.5% cash back on all eligible purchases, regardless of spending categories
- $400 cash bonus when you spend $3,000 in qualifying purchases within the first three billing cycles of card membership
Things to note:
- The interest-free financing option does not apply to balance transfers.
- It charges no annual fee.
- It offers a wide range of travel benefits, including:
- Lost luggage reimbursement
- Travel accident insurance
- Auto rental collision damage waiver
- Roadside Dispatch®
- Travel and emergency assistance services
- Visa Signature Concierge
Its unlimited fixed-rate cash back and low ongoing APR are some of the reasons why the PNC Cash Rewards® Visa Signature® Business Credit Card landed a spot in our guide to the top-ranking business cards for nonprofits.
Capital One® Spark® Cash Select Good Credit: Best for 12 Months Interest-free Financing for Owners With Good Credit
Capital One® Spark® Cash Select Good Credit
BEST FOR:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
Intro APR
0%
Regular APR
20.74%, 25.74%, or 28.74% variable
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With high cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Intro APR
0%
Regular APR
20.74%, 25.74%, or 28.74% variable
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With high cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Why we like it: If you have good credit but could not qualify for cards that require an excellent credit score, this card is a great option. You can enjoy interest-free financing on purchases for 12 months from opening an account.
Rewards:
- 1.5% cash back on all purchases, regardless of spending categories
- 5% cash back when you book hotel stays and car rentals through Capital One Travel
Things to note:
- Your rewards don’t expire as long as your account remains open and in good standing.
- It has no annual fee.
- It lacks a sign-up bonus.
- There’s no 0% APR offer on balance transfers.
Its simple rewards structure, no annual fee, interest-free financing period, and credit requirement make Capital One® Spark® Cash Select Good Credit a part of our roundup for the top business credit cards for sole proprietors.
United Community Bank Business Card: Best for 0% APR for 18 Months With Branches in Selected States
United Community Bank Business Card
Intro APR
0%
Regular APR
16.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
Pros
- Long 0% APR period on both purchases and balance transfer transactions
- No annual fee
- Flexible purchasing power
Cons
- No sign up bonus
- No ongoing rewards
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Free employee cards
- Zero fraud liability
- Free online reporting tools
Intro APR
0%
Regular APR
16.99% to 25.99% variable
Annual Fee
$0
Credit Needed
Good to Excellent
Pros
- Long 0% APR period on both purchases and balance transfer transactions
- No annual fee
- Flexible purchasing power
Cons
- No sign up bonus
- No ongoing rewards
- Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee
- Free employee cards
- Zero fraud liability
- Free online reporting tools
Why we like it: It offers a 0% APR period for both purchases and balance transfers for 18 months. It is a great choice for those needing a card to pay off an existing debt or to make a substantial purchase. Note that United Community Bank branches are only in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee; however, online application is available. Similar to the U.S. Bank Business Platinum card, it doesn’t offer introductory and ongoing rewards.
Things to note:
- You can use the 0% APR for balance transfer on balances transferred within 558 days from opening an account.
- It doesn’t charge an annual fee.
- It comes with flexible purchasing power, which you can use for large purchases and unexpected expenses.
Its long 0% APR and long balance transfer eligibility periods are among the reasons why it is one of our top balance transfer business credit cards.
Bank of the West Business Mastercard®: Best for 0% Balance Transfer APR for 12 Months With Up to 25% Exclusive Savings
Bank of the West Business Mastercard®
Intro APR
0% for 12 months
Regular APR
Prime + 8.74%
Annual Fee
$0
Credit Needed
Good to Excellent
- Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
Pros
- No annual fee
- 0% APR on both purchases and balance transfers
- Mobile wallet compatibility
Cons
- No sign up bonus
- No ongoing rewards
- Unlimited, free cards for employees
- QuickBooks™ and Quicken® integration
- Up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
- Mobile wallet compatibility
- Zero Liability Protection, Master Car Rental Insurance, Mastercard Global Emergency Services, Mastercard ID Theft Protection
Intro APR
0% for 12 months
Regular APR
Prime + 8.74%
Annual Fee
$0
Credit Needed
Good to Excellent
- Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
Pros
- No annual fee
- 0% APR on both purchases and balance transfers
- Mobile wallet compatibility
Cons
- No sign up bonus
- No ongoing rewards
- Unlimited, free cards for employees
- QuickBooks™ and Quicken® integration
- Up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
- Mobile wallet compatibility
- Zero Liability Protection, Master Car Rental Insurance, Mastercard Global Emergency Services, Mastercard ID Theft Protection
Why we like it: This card offers interest-free financing for 12 months on both purchases and balance transfers. You can also enjoy up to 25% exclusive savings through automatic rebates on gas, dining, hotels, car rentals, and other merchants with the Mastercard Easy Savings® Program. Keep in mind that aside from rebates at selected merchants, the card does not come with introductory and ongoing rewards on purchases.
Things to note:
- It charges no annual fee.
- You can add employee cards at no additional cost.
- With QuickBooks and Quicken integration, you can stay on top of your finances easily.
- You can also benefit from other features, including:
- Master Car Rental Insurance
- Mastercard Global Emergency Services
- Mastercard ID Theft Protection
Since the 0% APR period applies to both purchases and balance transfers, the Bank of the West Business Mastercard® is also one of our top recommendations for business credit cards for balance transfers.
How We Selected the Best 0% APR Business Credit Cards
When choosing the best 0% APR business credit cards, we first considered the length of the 0% APR period and whether balance transfers were included as part of the introductory offer. We also looked at the fees and rewards offered, as well as the cards’ additional features that may be valuable to business owners.
Frequently Asked Questions (FAQs)
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. Else, the remaining balance will be charged an interest—the rate of which depends on the card’s ongoing APR.
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.
The best 0% APR business credit card for you will depend on your needs. When choosing, consider the length of the 0% APR offer and whether or not you need to use the interest-free period for balance transfers, as most interest-free financing offers do not extend to balance transfers. It’s best to pick a card that comes with no annual fee and a low or average ongoing APR to help you save on your overall costs. Take into account other benefits as well, such as introductory and ongoing rewards, insurance coverage, and reporting tools.
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 introductory bonuses. If you plan to use the card for a balance transfer, be sure to read the fine print to determine the balance transfer fee, which typically ranges from 3% to 5% of the amount being transferred.
