9 Best 0% APR Business Credit Cards for 2023
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.
The best 0% 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% annual percentage rate (APR) business credit cards for 2023:
- 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 months with unlimited rewards
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for lowest starting APR with zero-interest option for nine months
- American Express Blue Business CashTM: Best for earning automatic cash rewards with 0% APR for 12 months
- Chase Ink Business Unlimited®: Best for easy unlimited rewards with interest-free financing for 12 months
- Wells Fargo Business Platinum: Best for earning either cash back or points rewards with nine-month 0% APR period
- Capital One® Spark® Cash Select Good Credit: Best for 12 months interest-free financing for owners with good credit
- Comerica Bank Mastercard® Business Credit Card: Best for 0% APR for 18 months with branches in selected states
- Bank of the West Business Mastercard®: Best for 0% for 12 months with up to 25% exclusive savings
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
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.74%-25.74%.
- 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
Regular APR
16.74% - 25.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.74%-25.74%.
- 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 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’s 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.
Even though the card doesn’t offer rewards, it can still be beneficial as it lets your business save on overall credit costs since it comes with no annual fee. Plus, it comes with an average starting APR, which is typically lower than most other business cards.
The U.S. Bank Business Platinum is also our most outstanding 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 Plus Rewards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.74% - 27.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 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, 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 18.74% - 27.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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 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
18.74% - 27.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 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, 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 18.74% - 27.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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 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, the U.S. Bank Triple Cash Rewards World Elite Mastercard® 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.
Earn 3% at eligible gas stations, restaurants, mobile phone service providers, and office supply stores, 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, and 1% on all other eligible purchases. Additionally, you’ll get $500 cash back after spending $4,500 in the first 150 days of card ownership.
There’s no annual fee, and your rewards never expire. After the introductory period, the regular APR will apply, which 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.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Lowest Ongoing APR With Zero-interest Option for 9 Months
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders wanting to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.24% to 24.24% 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
15.24% to 24.24% 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 included in this list, the PNC Cash Rewards® Visa Signature® Business Credit Card offers the lowest starting APR. Even though the 0% APR period is only for nine billing cycles, which is shorter than most other cards in this guide, the low annual fee and low ongoing APR make it a great option for carrying a credit card balance.
You can earn unlimited 1.5% cash back on all eligible purchases, regardless of spending categories. Additionally, you’ll receive a $400 bonus when you spend $3,000 in qualifying purchases within the first three billing cycles of card membership. It’s worth noting that the interest-free financing option doesn’t apply to balance transfers.
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 lands a spot in our roundup of the best LLC business credit cards and top-ranking business cards for real estate agents.
American Express Blue Business CashTM: Best for Earning Automatic Cash Rewards With 0% APR for 12 Months
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.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, 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
17.99% - 25.99% 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, 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 of up to $50,000 per calendar year, then 1% cash back thereafter—and the cash back you earn is credited to your statement automatically. You can also take advantage of 0% APR on purchases for 12 months after opening an account. However, similar to the PNC Cash Rewards® Visa Signature® Business Credit Card, its 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, it doesn’t charge an annual fee and features expanded buying power, which allows you to spend over your credit limit.
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
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
16.24% - 22.24% 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
16.24% - 22.24% 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, Chase Ink Business Unlimited offers cash back at a fixed rate of 1.5% on any business purchase—and there are no limits to the amount of cash back you can earn. Similar to the American Express Blue Business CashTM card, it doesn’t offer an interest-free financing option on balance transfers.
You can reduce your overall credit cost because it has no annual fee and charges a low starting APR when the introductory period ends. As a welcome offer, you’ll receive $750 back after spending $6,000 in the first three months of card ownership.
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.
Wells Fargo Business Platinum: Best for Earning Either Cash Back or Points Rewards With 9-month 0% APR Period
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:
Those with a Wells Fargo checking or savings account that has been open for at least one year
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
Good to 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
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards: You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
Good to 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
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards: You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
Why we like it: Wells Fargo Business Platinum card is the only card on this list that allows you to choose between earning cash back or points-based rewards. You can earn either 1.5% cash back on all qualifying purchases or 1x point for every dollar spent. If you choose to earn points, you’ll receive 1,000 bonus points each billing cycle when you spend at least $1,000 on eligible purchases.
What’s more, you’ll earn $300 cash back or 30,000 bonus points when you spend $3,000 in the first three months. You can take advantage of its interest-free financing period on purchases for nine months, a low starting APR, and no annual fee.
The Wells Fargo Business Platinum card is our leading business credit card that doesn’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.
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
Intro APR
0%
Regular APR
20.24% - 28.24% variable, which adjusts with the prime rate
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 fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Intro APR
0%
Regular APR
20.24% - 28.24% variable, which adjusts with the prime rate
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 fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Why we like it: If you have good credit but couldn’t qualify for cards that require an excellent credit score, the Capital One® Spark® Cash Select Good Credit is a great option. You can enjoy interest-free financing for 12 months from opening an account without having to pay an annual fee.
On top of that, you can earn unlimited 1.5% cash back on all purchases, regardless of spending categories. If you book hotel stays and car rentals through Capital One Travel, you’ll earn 5% cash back. Your rewards don’t expire as long as your account remains open and in good standing. Note, however, that it lacks a sign-up bonus and 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 roundups for the best business credit cards for new businesses with no credit history and top-ranking business credit cards for sole proprietors.
Comerica Bank Mastercard® Business Credit Card: Best for 0% APR for 18 Months With Branches in Selected States
Comerica Bank Mastercard® Business Credit Card
Intro APR
0% for 18 months
Regular APR
16.49% to 25.49%
Annual Fee
$0
Credit Needed
Excellent
Pros
- No annual fee
- Long 0% APR on both purchases and balance transfers
- Free online reporting with Spend Analysis
Cons
- No sign up bonus
- No ongoing rewards
- Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)
- Zero Fraud Liability
- MasterRental Insurance Coverage
- Merchant Discounts
- Mastercard Global Service
- Worldwide acceptance and 24-hour cardmember service
Intro APR
0% for 18 months
Regular APR
16.49% to 25.49%
Annual Fee
$0
Credit Needed
Excellent
Pros
- No annual fee
- Long 0% APR on both purchases and balance transfers
- Free online reporting with Spend Analysis
Cons
- No sign up bonus
- No ongoing rewards
- Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)
- Zero Fraud Liability
- MasterRental Insurance Coverage
- Merchant Discounts
- Mastercard Global Service
- Worldwide acceptance and 24-hour cardmember service
Why we like it: Similar to the U.S. Bank Business Platinum, Comerica Bank Mastercard® Business Credit Card provides cardholders access to interest-free financing on both purchases and balance transfers for 18 months. It has no annual fee and comes with an average ongoing APR. However, it doesn’t offer a sign-up bonus and ongoing rewards on purchases.
Business owners with excellent credit scores may qualify for this card. It’s worth noting, however, that Comerica Bank only has branches in selected states, including Arizona, California, Florida, Michigan, and Texas. It also has select businesses operating in other states, including Canada and Mexico. The good news is that you can apply for a business credit card online and as long as you have a U.S. address.
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: The Bank of the West Business Mastercard® 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.
This simple business credit card allows you to 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 like Master Car Rental Insurance, Mastercard Global Emergency Services, and Mastercard ID Theft Protection. Keep in mind that it lacks introductory and ongoing rewards.
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 and the cards’ additional features or benefits.
When to Use a 0% APR Business Credit Card
Business owners planning to make a large purchase should opt for a 0% APR business credit card because zero-interest financing for a certain period can help you save hundreds of dollars in interest. It 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 no-interest business credit cards 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 settle your balance before the promo period ends.
Bottom Line
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.
