11 Best 0% APR Business Credit Cards 2020

on American Express® Blue Business Cash Card's secure website.

American Express® Blue Business Cash Card

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 and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

on American Express® Blue Business Cash Card's secure website.

The American Express Blue Business Cash^TM Card is best for businesses that want the longest combined 0% APR introductory offer on purchases and balance transfers. You’ll receive no-interest financing for 12 months on both purchases and balance transfers. Plus, it pays 2% cash back on all spending. The ongoing APR is as low as 14.74%.

American Express Blue Business Cash^TM Card Costs

Introductory APR: 0% for 12 months on purchases and balance transfers, which also makes it one of the best balance transfer business credit cards
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

When it comes to card costs, this American Express card is identical to the American Express Blue Business® Plus. These cards have the best introductory 0% APR period among small business credit cards on our list.

American Express Blue Business Cash^TM Card Rewards

The American Express Blue Business Cash^TM Card offers excellent ongoing fixed-rate rewards usually seen on business credit cards that charge an annual fee. However, unlike those cards, this American Express card sets a cap at $50,000 in annual spending at which you’ll earn the top reward.

Introductory Rewards

American Express doesn’t offer introductory rewards on this card. Most cards on our list of the best business credit cards with 0% APR offer a sign-up bonus after you meet a spending requirement.

Ongoing Rewards

2% cash back on all purchases up to $50,000 each year
1% cash back on all additional purchases

Capital One® Spark® Cash Select for Business offers 1.5% cash back, but it has no rewards cap and offers an introductory bonus.

American Express Blue Business Cash^TM Card Additional Features

Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than one year. American Express provides an additional one year if the original manufacturer’s warranty is between one 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 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

American Express business card reviews show the extended warranty protection isn’t quite as strong as what the American Express Blue Business® Plus offers. That card offers up to an additional two years of coverage compared to one year. The American Express Blue Business® Plus also offers a purchase protection window of 120 days compared to 90 days.

What the American Express Blue Business Cash^TM Card Is Missing

This card offers a shorter introductory APR period than the top card on our list and no introductory rewards. That second problem is a real drawback, especially when other cards that charge no annual fee offer sign-up bonuses worth up to $500 cash back. You’ll also want to avoid this card when traveling overseas because it charges foreign transaction fees. American Express also isn’t as widely accepted as Visa or Mastercard.

American Express Blue Business® Plus: Best for 2x Points

on The Blue Business® Plus Credit Card from American Express's secure website.

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. 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 and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

on The Blue Business® Plus Credit Card from American Express's secure website.

American Express Blue Business® Plus is best for owners who want to earn two points back on all spending up to $50,000 per year and a generous introductory APR offer. You’ll also receive a 12-month, 0% introductory APR period on purchases and balance transfers, and an ongoing APR of as low as 14.74%. However, this card offers no introductory rewards.

American Express Blue Business® Plus Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer, whichever is greater

Among business credit cards with 0% interest, American Express Blue Business® Plus offers the longest introductory periods, alongside the American Express Blue Business Cash^TM Card.

American Express Blue Business® Plus Rewards

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

Introductory Rewards

This American Express small business credit card offers no sign-up bonus. It’s one of three no-interest business credit cards on our list that comes with no introductory rewards, along with the American Express Blue Business Cash^TM Card, Citi Simplicity®, and Chase Slate®.

Ongoing Rewards

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

Other cards that offer a fixed-rate of 2x points or 2% cash back charge annual feels close to $100. Plus, those cards typically don’t offer interest-free financing periods. This fixed-rate is one of the best among no annual fee credit cards.

American Express Blue Business® Plus Additional Features

Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per 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. The coverage is limited to $1,000 per occurrence and $50,000 per account each year.

American Express business card reviews agree these benefits are standard, although the length of coverage on purchase protection is more than the 90 days the American Express Blue Business Cash^TM Card offers.

What American Express Blue Business® Plus Is Missing

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

U.S. Bank Business Platinum Card: Best for Low Ongoing APR

On US Bank's Secure Website

U.S. Bank Business Platinum Card

0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 11.74% - 19.74%*
No annual fee*
Free employee cards

Zero fraud liability* protects you against unauthorized transactions

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%*	11.74% - 19.74%* Variable	$0	Excellent

On US Bank's Secure Website

Only available within these states: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NC,NV,ND,OH, OR,SD,TN,UT,WA,WI,WY, NM

The U.S. Bank Business Platinum Card is best for businesses that want very low ongoing APR after the 0% introductory period expires. After the 12-billing cycle promotional period ends, your ongoing variable APR will be between 11.74% and 19.74%. On the low end, the ongoing APR is more than a percentage point lower than any other card on our list.

U.S. Bank Business Platinum Card Costs

Introductory APR: 0% APR on purchases and balance transfers for the first 12 billing cycles
Ongoing APR: 11.74% to 19.74% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer during the application, whichever is greater

The U.S. Bank Business Platinum Card has an identical introductory APR period to American Express Blue Business® Plus. This low-interest business credit card beats the American Express card by two percentage points once the ongoing APR kicks in. We rank this card low on our list because it offers no rewards.

U.S. Bank Business Platinum Card Rewards

The U.S. Bank Business Platinum Card offers no introductory or ongoing rewards. This is one of three cards on our list that offer no rewards, along with Chase Slate® and Citi Simplicity®.

U.S. Bank Business Platinum Card Additional Features

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. The 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.

U.S. Bank business card reviews show that American Express Blue Business® Plus provides better coverage. For example, the 120-day purchase protection window is longer than the 90 days provided through the U.S. Bank Business Platinum Card.

What the U.S. Bank Business Platinum Card Is Missing

The U.S. Bank Business Platinum Card does not offer any introductory or ongoing rewards. Other low-interest credit cards on our list offer both types of rewards. For example, Chase Ink Business Cash^SM offers introductory rewards worth $500 after you spend $3,000 within three months. Plus, it pays up to 5% cash back on select categories. In addition, this card isn’t available in all states.

U.S. Bank Business Cash Rewards World Elite^TM Mastercard®: Best for Earning an Annual Bonus Up to $250

On US Bank's Secure Website

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

Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening
3% cash back on cellular, gas stations, and office supply store 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
0% Intro APR* on purchases and balance transfers for the first 9 billing cycles. After that variable APR currently 13.74% - 24.74%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%*	13.74% - 24.74%* Variable	$0*	Excellent

On US Bank's Secure Website

The U.S. Bank Business Cash Rewards World Elite^TM Mastercard® is best for businesses that want to earn an annual cash bonus. You can earn 25% of your prior year’s rewards, up to $250. Additionally, you’ll also earn $200 after spending $1,000 within the first 90 days. It charges no interest on purchases and balance transfers for the first nine billing cycles. Ongoing APR is about two percentage points higher than the best offer on our list.

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

Introductory APR: 0% on purchases and balance transfers for the first nine billing cycles
Ongoing APR: 13.74% to 24.74% variable, which will adjust with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transfer during the application, whichever is greater

If you want to receive a better introductory 0% APR offer, consider the American Express Blue Business Cash^TM Card or American Express Blue Business® Plus. Both of those cards charge no interest for 12 months on purchases and balance transfers. However, they don’t offer a sign-up bonus like this U.S. Bank business credit card.

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

This U.S. Bank small business credit card offers ongoing cash back on your spending, including bonus rewards for cellular, gas, and office supply purchases, and a 25% annual bonus based on your prior year’s cash rewards. The introductory offer is worth $200.

Introductory Rewards

You’ll earn $200 cash back after you spend $1,000 during the first 90 days. That matches Chase Ink Business Cash^SM for the best sign-up bonus offer on our list. This Chase small business credit card requires $3,000 in purchases during the first three months to earn the introductory reward.

Ongoing Rewards

3% cash back on cellphone purchases and service
3% cash back on gas purchases up to $200 per single purchase
3% cash back at office supply stores
1% cash back on all other eligible purchases

The cellphone bonus is unique among cash back small business credit cards. The rewards on office supply spending are lower than the 5% offered by Chase Ink Business Cash^SM.

U.S. Bank also offers a unique annual bonus equal to 25% of your prior year’s cash rewards, up to a maximum of $250. No other small business cash back credit card offers an ongoing annual bonus.

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

MasterRental car rental collision damage waiver: When you rent a car, 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 you 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 on warranties of five years or less. 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 business card reviews indicate this card includes similar restrictions on both its purchase assurance and extended warranty protections as Capital One® Spark® Cash Select for Business. Those protections aren’t quite as robust as cards like Chase Ink Business Unlimited^SM offer.

What the U.S. Bank Business Cash Rewards World Elite^TM Mastercard® Is Missing

The U.S. Bank Business Cash Rewards World Elite^TM Mastercard® offers lower ongoing category rewards than some other cash back rewards business credit cards. The Chase Ink Business Cash^SM card, for example, offers ongoing rewards of up to 5% on office supply spending.

Chase Ink Business Cash^SM: Best for Office Supply Purchases

On Chase's Secure Website

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

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

Chase Ink Business Cash^SMCosts

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the transfer, whichever is greater

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

Chase Ink Business Cash^SM Card Rewards

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

Introductory rewards

You’ll earn $500 cash back after you spend $3,000 on purchases in the first three months from account opening. This card falls short of both American Express Blue Business® Plus and the American Express Blue Business Cash^TM Card because its introductory APR only applies to purchases.

Ongoing rewards

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

Chase Ink Business Cash^SM Card Additional Features

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.

Chase Ink Business Cash^SM reviews show this is a similar package of benefits as several other cards on this list offer, although the purchase protection lasts longer than the 90 days Capital One® Spark® Cash Select for Business offers.

What Chase Ink Business Cash^SM Card Is Missing

The $25,000 annual cap on the 5% and 2% spending categories may prove to be too small for some business owners. This card is not ideal for owners who need to transfer an existing credit card balance as there is no 0% APR introductory offer on balance transfers.

Capital One® Spark® Cash Select for Business: Best for Fixed-rate Rewards and Introductory Rewards

on Capital One® Spark® Cash Select for Business's secure website.

Capital One® Spark® Cash Select for Business

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that

No annual fee
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
$0 Fraud Liability if your card is lost or stolen
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.49% - 22.49% (Variable)	$0	Excellent, Good

on Capital One® Spark® Cash Select for Business's secure website.

Capital One® Spark® Cash Select for Business is best for businesses that want to earn fixed-rate cash back rewards on all spending and a sign-up bonus. The nine-month no-interest introductory period on this card is a bit shorter than other best business credit cards with 0% APR on our list, including American Express Blue Business® Plus. Ongoing variable APR starts at 14.49%.

Capital One® Spark® Cash Select for Business Costs

Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.49% to 22.49% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: None

Capital One doesn’t charge a balance transfer fee, unlike Chase Ink Business Cash^SM, which charges 5% of the transferred balance. However, Capital One® Spark® Cash Select for Business doesn’t include an introductory APR on balance transfers. Instead, balance transfers will be subject to the ongoing 14.49% to 22.49% variable APR based on your creditworthiness.

Capital One® Spark® Cash Select for Business Rewards

This Capital One business credit card should appeal to business owners who don’t want to track rewards categories. You’ll earn 1.5% cash back on all spending and a $200 introductory cash bonus when you spend $3,000 on purchases within the first three months from account opening.

Introductory Rewards

You’ll earn a $200 cash bonus when you spend $3,000 on purchases within the first three months from account opening. This is less than the $500 you could earn with Chase Ink Business Cash^SM after spending the same amount in the same time period.

Ongoing Rewards

You’ll earn unlimited 1.5% cash back on all spending with no limits when using your card. There is no opportunity to earn bonus rewards of up to 5% on category spending like Chase Ink Business Cash^SM offers. However, that card pays 1% on everyday spending, slightly lower than the 1.5% return the Capital One card offers on all spending.

Capital One® Spark® Cash Select for Business Additional Features

According to Capital One’s website, you’ll receive the following features:

Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by up to one year on eligible warranties of three years or less.

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

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

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

Capital One® Spark® Miles Select for Business: Best for Miles-based Rewards

on Capital One® Spark® Miles Select for Business's secure website.

Capital One® Spark® Miles Select for Business

Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card

Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
No annual fee
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Free employee cards which also earn unlimited 1.5X miles from their purchases

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.49% - 22.49% (Variable)	$0	Excellent, Good

on Capital One® Spark® Miles Select for Business's secure website.

Capital One® Spark® Miles Select for Business is best for companies that want a 0% APR period and want to earn miles rather than cash back. It pays 1.5x miles per $1—the miles are equivalent to the 1.5% cash back Capital One® Spark® Cash Select for Business offers. The introductory APR period of nine months is less than the 12 months American Express Blue Business® Plus offers.

Capital One® Spark® Miles Select for Business Costs

Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.49% to 22.49% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: None

This is a business credit card without foreign transaction fees. If your travel frequently takes you abroad, this might be a better pick than say, American Express Blue Business® Plus, which charges a 2.7% foreign transaction fee. That can add up when you’re making hotel and dining purchases while on business travel.

Capital One® Spark® Miles Select for Business Rewards

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

Introductory Rewards

You’ll earn a one-time bonus of 20,000 miles—equal to $200—once you spend $3,000 on purchases within three months from account opening. That’s worth $200, less than other cards on our list offer, including Chase Ink Business Unlimited^SM, which pays $500 cash back after spending $3,000 within three months.

Ongoing Rewards

1.5x miles for every dollar spent when using your card
5x miles on hotel and rental car bookings through Capital One Travel^SM using a Capital One® Spark® Miles Select for Business card

If you travel frequently and want a Capital One business card, choose this card over the Capital One® Spark® Cash Select for Business. That card does not offer the 5x miles reward category. Plus, Capital One® Spark® Miles Select for Business lets you purchase travel directly with the issuer. No other card on our list offers that feature.

Capital One® Spark® Miles Select for Business Additional Features

According to Capital One’s website, you’ll receive the following protections:

Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by up to one year on eligible warranties of three years or less.

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

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

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

Bank of America® Business Advantage Cash Rewards Mastercard: Best for Gas Purchases

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	13.74% - 23.74% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

The Bank of America® Business Advantage Cash Rewards Mastercard is best for business owners who have big fuel expenses. You could earn 3% cash back on up to $50,000 in gas spending annually. You’ll receive 0% introductory APR for nine billing cycles on purchases. Ongoing variable APR starts at 13.74%.

Bank of America® Business Advantage Cash Rewards Mastercard Costs

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.74% to 23.74% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater

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

Bank of America® Business Advantage Cash Rewards Mastercard Rewards

You’ll need to make $3,000 in spending during the first 90 days after you open your account to qualify for the introductory $300 statement credit. Ongoing rewards allow you to choose from a list of five categories in which you’d earn 3% cash back from one.

Introductory Rewards

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

Ongoing Rewards

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

This card offers unique bonus value for businesses that have a Bank of America checking or savings account. Enroll in the Preferred Rewards for Business program to receive an additional 75% rewards bonus on every purchase— that’s up to 5.25% cash back on gas purchases. These tiered-relationship bonuses begin when you have at least $20,000 in assets with the bank. You’ll need at least $100,000 in assets to earn the maximum rate.

Bank of America® Business Advantage Cash Rewards Mastercard Additional Features

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

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

You’ll find a better rewards rate on office supply spending with other business cards like Chase Ink Business Cash^SM (5%), and the introductory bonus is the lowest among the cards on our list that offer a welcome bonus.

Bank of America® Business Advantage Travel Rewards World Mastercard: Best for International Travel

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.

No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	12.74% - 22.74% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

The Bank of America® Business Advantage Travel Rewards World Mastercard is best for businesses that travel internationally. It pays three points per dollar spent on travel purchases and charges no foreign transaction fees. It offers 0% introductory APR for nine billing cycles on purchases, then an ongoing APR as low as 12.74%, the second-lowest on our list.

Bank of America® Business Advantage Travel Rewards World Mastercard Costs

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 12.74% to 22.74% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater

This Bank of America business credit card offers an excellent ongoing APR as low as 12.74% or a bit more than one percentage point higher than the top card on our list. This is also one of the few cards that doesn’t charge a foreign transaction fee on purchases made outside the US, including Capital One® Spark® Cash Select for Business and Capital One® Spark® Miles Select for Business.

Bank of America® Business Advantage Travel Rewards World Mastercard Rewards

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

Introductory Rewards

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

Ongoing Rewards

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

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

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

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

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

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

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

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On Chase's Secure Website

Chase Slate® credit card

Low intro balance transfer offer
Low introductory APR
No annual fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% fo 15 months	16.49%–25.24% Variable	$0	Good - Excellent

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On Chase's Secure Website

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

Chase Slate® is a personal credit card that’s best for small businesses that want to transfer a high-interest credit card balance without paying a balance transfer fee. It’s the only card on our list that offers free balance transfers within 60 days of account opening. It offers 0% introductory APR for 15 months on purchases and balance transfers, then an ongoing APR as low as 16.49%.

Chase Slate® Costs

Introductory APR: 0% for 15 months on purchases and balance transfers from account opening
Ongoing APR: 16.49% to 25.24% variable, which will adjust based on the prime rate
Annual fee: None
Balance transfer fee: None on transfers made within 60 days of account opening; after that, either $5 or 5% of the amount of each transfer, whichever is higher

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

Chase Slate® Rewards

Chase Slate®, along with U.S. Bank Business Platinum and Citi Simplicity®, is one of just three cards on our list that offers no introductory or ongoing rewards. We ranked other no-interest credit cards higher on our list because they offer introductory rewards as high as $500 and ongoing rewards of up to 5%.

Chase Slate® Additional Features

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

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

What Chase Slate® Is Missing

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

Additionally, Chase Slate® is a personal credit card. This means you can’t use it to build your business credit because it does not report to the main business credit reporting bureaus. Choose a different card if one of your goals is to build your business credit.

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

On Citi's Secure Website

Citi Simplicity® Card

0% Intro APR on balance transfers for 21 months from date of first transfer.
0% Intro APR on purchases for 12 months from date of account opening.
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% for 12 months	16.24% - 26.24% Variable	$0	Good - Excellent