The best 0% APR business credit cards offer long introductory interest-free periods for purchases and balance transfers along with low balance transfer fees. Small businesses can use no-interest credit cards to fund purchases or pay off high-interest credit card debt for free for up to 21 months.
Top 12 0% APR Business Credit Cards October 2019
Best 0% APR Business Credit Cards | Best for |
|---|---|
(Best overall) 0% interest on both purchases and balance transfers | |
2% cash back on all purchases up to $50,000 annually | |
2x points on all purchases up to $50,000 annually | |
Free financing on up to $25,000 in office supplies | |
Fixed-rate cash rewards & a sign-up bonus | |
Earning miles during your no-interest period and beyond | |
Free financing on up to $50,000 in gas spending | |
International travel | |
Lowest ongoing APR | |
GM fleet vehicles | |
(Personal Card) No-fee balance transfers | |
(Personal card) Repaying balance transfers over 21 months |
What’s Changed With 0% APR Business Credit Cards
The updates to our list of the best 0% annual percentage rate (APR) business credit cards reflect the Federal Reserve’s short-term interest rate cut on July 31, 2019. We also added the American Express Blue Business CashTM Card to our list in August 2019. This article was originally published in September 2017. SEE LATEST CHANGES IN DETAIL.
Federal Reserve Cuts Short-term Interest Rates
On July 31, 2019, the Federal Reserve cut its benchmark interest rate by a quarter percentage point. We monitor Fed rate changes because they impact the APRs banks charge on small business credit cards. Credit card APRs are based on the prime rate. When the prime rate changes, so do APRs. Since the Fed rate cut, American Express, Bank of America, Chase, and Citi have lowered interest rates by a quarter percentage point.
American Express Blue Business CashTM Joins Our List
In July, American Express unveiled its latest small business credit card. American Express Blue Business CashTM offers 0% APR financing on purchases and balance transfers for 12 months after account opening. The card offers fixed-rate rewards of 2% cash back on all spending, up to the first $50,000 in spending annually. You’ll earn 1% on all spending thereafter.
U.S. Bank Business Cash Rewards World EliteTM MasterCard® Joins Our List
In July, the U.S. Bank Business Cash Rewards World EliteTM MasterCard® increased offers on its no-interest business credit card. You’ll now receive no-interest financing for 15 billing cycles on purchases and balance transfers, up from nine cycles just on purchases alone. This upgrade makes this U.S. Bank card the best 0% APR business credit card currently available.
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How We Evaluated No-interest Business Credit Cards
To rank the best 0% APR business credit cards, we focused on business credit cards that offer introductory 0% APR periods of nine months or longer. We also included two personal credit cards that might appeal to business owners who can’t immediately qualify for a no-interest business credit card. The best 0% APR business credit cards require a credit score of 690 or higher to qualify.
We considered the minimum qualifications and the following criteria in our evaluation:
- Introductory APR: The length of the introductory 0% period and the ongoing interest rate; the cards on our list offer 0% APR for nine to 21 months.
- Ongoing APR: How much you’ll pay in interest once the introductory period expires; low-interest business credit cards on our list offer ongoing APRs as low as 12.24%.
- Introductory rewards: The rewards you’ll earn after meeting required spending thresholds within the first few months of card ownership; the best 0% APR credit cards offer intro rewards worth up to $500.
- Ongoing rewards: Points or cash back earned by using your business credit card; the best cards on this list offer rewards worth up to 5% cash back in specific spending categories.
- Fees: Charges, including those assessed on balance transfers and annual fees; the cards on our list charge no annual fees and balance transfer fees as low as $0.
- Additional features: Benefits offered to cardholders, including extended warranty and purchase protection. Most cards on our list offer similar additional perks.
We believe the overall best no-interest credit card is the U.S. Bank Business Cash Rewards World EliteTM Mastercard®. It offers the best combination of introductory APRs on purchases and balance transfers of any card on our list—0% APR for 15 billing cycles. It also offers an ongoing APR lower than many small business credit cards.
Credit cards that offer nine months or longer of 0% interest are best for businesses looking to fund large purchases or pay down high-interest debt. Compare the best credit cards to find the best option for your business.
U.S. Bank Business Cash Rewards World EliteTM Mastercard®: Overall Best 0% APR Business Credit Card
U.S. Bank Business Cash Rewards World Elite™ MasterCard®
- Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
- 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 15 billing cycles. After that variable APR currently 14.24% - 25.24%*
| INTRO APR | REGULAR APR | ANNUAL FEE | CREDIT NEEDED |
|---|---|---|---|
| 0% | 14.24% - 25.24% Variable | $0 | Excellent |
On US Bank's Secure Website
The U.S. Bank Business Cash Rewards World EliteTM Mastercard® is best for businesses that want the longest combined 0% APR introductory offer on purchases and balance transfers. This no-interest credit card offers free financing for the first 15 billing cycles on spending and transfers. It also offers a unique 25% bonus on the prior year’s rewards, up to $250. Ongoing APR is about two percentage points higher than the best offer on our list.
U.S. Bank Business Cash Rewards World EliteTM Mastercard® Costs
The U.S. Bank Business Cash Rewards World EliteTM Mastercard® charges no annual fee. Plus, you’ll have no interest for the first 15 billing cycles on both purchases and balance transfers.
Financing costs and fees on the U.S. Bank Business Cash Rewards World EliteTM Mastercard® include:
- Introductory APR: 0% on purchases and balance transfers for the first 15 billing cycles, which also makes it one of the best balance transfer business credit cards
- Ongoing APR: 14.24% to 25.24%, 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
No other card on our list offers a longer no-interest period on purchases and balance transfers. Citi Simplicity® offers 21 months of free financing on balance transfers, but its introductory offer on purchases is just 12 months.
U.S. Bank Business Cash Rewards World EliteTM 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 $500.
Introductory Rewards
You’ll earn $500 cash back after you spend $4,500 during the first 150 days. That matches Chase Ink Business CashSM 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
You’ll earn the following ongoing rewards when using your card:
- 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 CashSM.
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.
How to Redeem Your Rewards
You can redeem your rewards for cash back, as a statement credit, or in the form of a debit card. If you choose the debit card, the bank will issue you a U.S. Bank Rewards Mastercard Card. Cash redemptions will be deposited into your U.S. Bank business checking, savings, or money market account. No other card on our list offers redemption in the form of a debit card.
U.S. Bank Business Cash Rewards World EliteTM Mastercard® Additional Features
This U.S. Bank business credit card offers several free perks as part of this card’s benefits package, including car rental insurance, extended warranty coverage, and purchase security, which protects purchases against theft and damage for 90 days.
The following benefits are included on your card:
- 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 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.
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 UnlimitedSM offer.
What the U.S. Bank Business Cash Rewards World EliteTM Mastercard® Is Missing
The U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers lower ongoing category rewards than some other cash back rewards business credit cards. The Chase Ink Business CashSM card, for example, offers ongoing rewards of up to 5% on office supply spending.
U.S. Bank Business Cash Rewards World EliteTM Mastercard® Reviews
We considered both user reviews and our own editorial review when rating this card. U.S. Bank Business Cash Rewards World EliteTM Mastercard® reviews are typically positive. Users like how easy rewards can be redeemed. The introductory APR on purchases and balance transfers is best of class. Ongoing APR is slightly higher than the best cards on our list.
User Reviews
Users say they enjoy the card’s ongoing rewards and the ease with which awards can be redeemed. Disappointed users suggest this card doesn’t offer the same level of benefits as its competitors.
Editorial Reviews
The U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers an excellent ongoing bonus to inspire loyalty. You can earn an annual bonus equal to 25% of your prior year’s cash rewards, up to $250. We also like the ongoing rewards on cellphone purchases and service. However, we’d like to see higher ongoing category rewards.
How to Apply for the U.S. Bank Business Cash Rewards World EliteTM Mastercard®
You can apply online for the U.S. Bank Business Cash Rewards World EliteTM Mastercard®. You could be approved instantly after you fill out a basic application containing both business and personal information. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.
American Express Blue Business CashTM Card: Best for 2% Cash Back
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, 14.99%, 17.99%, or 20.99%, 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 | 14.99% - 20.99% Variable | No annual fee | Good, Excellent |
on American Express® Blue Business Cash Card's secure website.
The American Express Blue Business CashTM Card is best for businesses that want to earn 2% cash back on all purchases up to the first $50,000 in annual spending. This card offers the highest fixed-rate return of any card on our list. You’ll receive no-interest financing for 12 months on both purchases and balance transfers. The ongoing APR is as low as 14.99%, which is a percentage point or more below average.
American Express Blue Business CashTM Card Costs
The American Express Blue Business CashTM Card offers interest-free financing on purchases and balance transfers for the first 12 months. This offer falls short to the 15 billing cycle introductory APR period our top pick offers.
Financing costs and fees on the American Express Blue Business CashTM Card include:
- Introductory APR: 0% for 12 months on purchases and balance transfers
- Ongoing APR: 14.99% to 20.99% 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. The introductory APR offer isn’t quite as good as what the U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers. You’ll get 0% financing for 15 months on purchases and balance transfers with that card.
American Express Blue Business CashTM Card Rewards
The American Express Blue Business CashTM 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 0% business credit cards offer a sign-up bonus after you meet a spending requirement.
Ongoing Rewards
The American Express Blue Business CashTM Card offers ongoing rewards points, including:
- 2% cash back on all purchases up to $50,000 each year
- 1% cash back on all additional purchases
The Capital One® Spark® Cash Select for Business offers 1.5% cash back, but it has no rewards cap and offers an introductory bonus.
How to Redeem Rewards
Cardholders will receive a rebate as a statement credit for any eligible purchases on their American Express Blue Business CashTM Card. Your rebate is based on the percentage of eligible purchases made during a billing period. The rebate will appear on the second billing statement after the billing statement where those purchases appear.
American Express Blue Business CashTM Card Additional Features
The American Express Blue Business CashTM Card comes with protections against loss and damage, including extended warranty and purchase protection. However, these coverage levels aren’t as good as some other cards on our list offer.
This American Express card includes the following 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.
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 CashTM 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 CashTM Card Reviews
American Express introduced this card in late July, so we were unable to find any online reviews. This card replaces the American Express SimplyCash® Plus card in the issuer’s lineup. Editorial American Express Blue Business CashTM Card reviews agree this is a solid fixed-rate, no-interest credit card.
Editorial Reviews
Although this card is better for everyday spending, we miss the bonus rewards the American Express SimplyCash® Plus card offered. This new card doesn’t offer a sign-up bonus, either. However, it’s an excellent card for business owners looking to save on annual fees and interest charges.
How to Apply for the American Express Blue Business CashTM Card
You can fill out an online form to apply for the American Express Blue Business CashTM Card on American Express’ website. You could receive an answer instantly. Once approved, your card will arrive in the mail within seven to 10 days.
American Express Blue Business® Plus: Best for 2x Points
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, 14.99%, 17.99% or 20.99%, 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 | 14.99% - 20.99% 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 receive a 12-month 0% introductory APR period on purchases and balance transfers and an ongoing APR of as low as 14.99%. However, this card offers no introductory rewards.
American Express Blue Business® Plus Costs
American Express Blue Business® Plus offers no-interest financing for 12 months on purchases and balance transfers. This offer is identical to what the American Express Blue Business CashTM Card offers.
Financing costs and fees on American Express Blue Business® Plus include:
- Introductory APR: 0% for 12 months on purchases and balance transfers
- Ongoing APR: 14.99% to 20.99% 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 credit cards with 0% interest, American Express Blue Business® Plus offers one of the longest introductory periods, behind the U.S. Bank Business Cash Rewards World EliteTM Mastercard®. That no-interest credit card offers free financing for the first 15 billing cycles on purchases and balance transfers. On the low end of the range, this American Express business credit card offers an ongoing APR at the low range of the best no-interest credit cards.
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 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 four no-interest credit cards on our list that comes with no introductory rewards, along with the American Express Blue Business CashTM Card, GM BuyPower Business, Citi Simplicity®, and Chase Slate®.
Ongoing Rewards
Earn the following rewards when using your card:
- 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.
How to Redeem Rewards
You can redeem your American Express Blue Business® Plus points in seven different ways:
- For your charges: Use your points for your eligible charges on your current statement. You must have at least 1,000 available points in your account.
- Travel: Use points to book travel on American Express Travel; minimum redemption is 5,000 points.
- Gift cards: Purchase American Express gift cards through www.amexgiftcard.com.
- Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
- Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. The minimum redemption is 2,000 points.
- AXS: You can redeem your points on AXS to purchase event tickets. The minimum redemption is 2,000 points.
- Taxi fares: Redeem your points for fares, including tips, in certain taxis in New York City.
Reward points can be redeemed for airfare or other paid travel through American Express Travel, gift cards, or statement credits against eligible charges. Cardholders also can transfer points to airline and hotel partners. This is one of two cards our list, along with Capital One® Spark® Miles Select for Business, that offers points and miles redeemable for airfare.
American Express Blue Business® Plus Additional Features
American Express Blue Business® Plus comes with protections against loss and damage, including extended warranty protection and purchase protection.
American Express Blue Business® Plus comes with the following additional perks:
- 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 account each year
- Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
These benefits are standard, although the length of coverage on purchase protection is more than the 90 days the American Express Blue Business CashTM 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 CashSM 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.
American Express Blue Business® Plus Reviews
We considered both user reviews and our editorial review when rating this card. American Express Blue Business® Plus reviews are generally positive. Cardholders like the fixed-rate rewards this card earns. The card loses a bit of luster because it offers no introductory rewards.
User Reviews
Users say the card has helped them grow their firms. They value the points-based rewards system and the issuer’s excellent customer service. Some users say they’re disappointed that this card charges a 2.7% foreign transaction fee on all purchases made outside the United States.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. American Express Blue Business® Plus is an excellent choice for users who want fixed-rate rewards, which could provide a long-term benefit for business owners. Unfortunately, this card offers no introductory rewards, which means you’ll sacrifice several hundred dollars or more than other cards offer.
How to Apply for American Express Blue Business® Plus
Apply for the American Express Blue Business® Plus credit card directly on the issuer’s website. If approved, the 12-month introductory APR period starts as soon as you receive your 0% business credit card.
Chase Ink Business CashSM: Best for Office Supply Purchases
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 | 15.24% - 21.24% Variable | $0 | Good - Excellent |
On Chase's Secure Website
The Chase Ink Business CashSM Card 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 CashSM Costs
With Chase Ink Business CashSM, you’ll receive no-interest financing for the first 12 months on purchases. Plus, it charges no annual fee.
Financing costs and fees on Chase Ink Business CashSM include:
- Introductory APR: 0% APR for 12 months on purchases
- Ongoing APR: 15.24% to 21.24%, 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 CashSM 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 the American Express Blue Business® Plus credit card, which charges just 3% to transfer a balance.
Chase Ink Business CashSM Card Rewards
The real appeal of Chase Ink Business CashSM is its cash back rewards program for small businesses. It offers the highest introductory rewards offer among the no-interest 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 CashTM Card because its introductory APR only applies to purchases.
Ongoing rewards
Earn the following rewards when using your card:
- 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
How to Redeem Rewards
You can redeem your rewards for cash back, gift cards and travel through the Chase online travel portal. Redemption value for all three options is 1 cent per point, which is standard among cash back credit cards. When redeeming for cash, you can receive a statement credit or a deposit into an eligible checking or savings account from a U.S.-based bank or credit union.
Chase Ink Business CashSM Card Additional Features
If you rent cars frequently for business, the protection this card offers may prove beneficial. Additionally, you’ll receive purchaser protection and extended warranty protection.
Chase Ink Business CashSM offers the following additional perks:
- 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 U.S. 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 U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
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 CashSM 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.
Chase Ink Business CashSM Reviews
We considered both user reviews and our own editorial review when rating this card. Chase Ink Business CashSM reviews are generally very positive. The card gets high marks for its introductory and ongoing rewards. Some reviews suggest the card could add more bonus categories, especially covering travel purchases.
User Reviews
Users say they like the rewards for business-related expenses and the lack of an annual fee. Some say the ongoing APR is too high. On the low end of the range, this card’s APR is a bit better than average. The high end of the range is also about three percentage points lower than some cards charge.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Chase Ink Business CashSM is one of the top small business credit cards. It offers among the best available introductory rewards, ongoing rewards, and a lengthy 0% introductory APR offer on purchases. We’d like this card better if Chase added travel rewards.
How to Apply for Chase Ink Business CashSM
Apply for the Chase Ink Business CashSM card online. The application process is quick, and you should be able to get approved within 24 hours if not instantly. This 0% business credit card typically arrives in seven to 10 business days.
Capital One® Spark® Cash Select for Business: Best for Fixed-rate Rewards and Introductory Rewards
Capital One® Spark® Cash Select for Business
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- No annual fee
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
| INTRO APR | REGULAR APR | ANNUAL FEE | CREDIT NEEDED |
|---|---|---|---|
| 0% on purchases | 14.74% - 22.74% (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 0% interest credit cards on our list, including American Express Blue Business® Plus. Ongoing variable APR starts at 14.74%.
Capital One® Spark® Cash Select for Business Costs
Capital One® Spark® Cash Select for Business offers a no-interest financing period for the first nine months on purchases. Plus, you’ll pay no annual fee.
Financing costs and fees on the Capital One® Spark® Cash Select for Business include:
- Introductory APR: 0% for nine months on purchases
- Ongoing APR: 14.74% to 22.74% 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 CashSM, 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 14.74% to 22.74% 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 CashSM 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 CashSM offers. However, that card pays 1% on everyday spending, slightly lower than the 1.5% return the Capital One card offers on all spending.
How to Redeem Rewards
You can redeem your rewards in one of four ways:
- Statement credit or check: Receive your cash back upon request as a statement credit or a check by mail.
- Redeem for a purchase: Redeem your rewards for a recent transaction made on your business credit card.
- Redeem for gift cards: Redeem your rewards for gift cards at restaurants, retailers, or hotels.
- Automatic redemption: Receive your rewards at a set time each calendar year or when you reach a threshold ($25, $50, $100, $200, $500, or $1,500).
Capital One doesn’t offer as many reward redemption options as other cards on our list. For example, Chase Ink Business CashSM lets you redeem your rewards for travel too.
Capital One® Spark® Cash Select for Business Additional Features
Like several other cards on our list of the best 0% APR credit cards, Capital One® Spark® Cash Select for Business offers several protections worth noting. According to Capital One’s website, you’ll receive features like purchase protection and extended warranty protection.
Capital One® Spark® Cash Select for Business offers 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 U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less
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 U.S. Bank Business Cash Rewards World EliteTM Mastercard®, which offers no-interest balance transfers for 15 billing cycles.
Capital One® Spark® Cash Select for Business Reviews
We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Cash Select for Business reviews are typically positive. Users say they value the card because it keeps expenses to a minimum. It also offers a straightforward rewards program that pays the same for all purchases, but its return is lower than similar credit cards.
User Reviews
We found numerous online reviews for the Capital One® Spark® Cash Select for Business card. Users love the introductory interest-free period as well as the simple rewards program structure. Owners unhappy with the card are disappointed that Capital One reports account activity to personal credit bureaus. Some business cards don’t report to personal credit bureaus.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Capital One® Spark® Cash Select for Business is great for a business with less than $19,000 of annual credit card expenses. If you spend more each year consider the Capital One® Spark® Cash for Business, which charges a $95 annual fee, which is waived the first year but also pays 2% cash back on all spending. However, that card doesn’t offer no-interest financing.
How to Apply for Capital One® Spark® Cash Select for Business
Apply for the Capital One® Spark® Cash Select for Business card on the Capital One website. This card is one of the easiest 0% business credit cards to apply for and one of the quickest to qualify, as applications are approved within minutes.
Capital One® Spark® Miles Select for Business: Best for Miles-based Rewards
Capital One® Spark® Miles Select for Business
- Earn 1.5 miles per $1 on every purchase
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| INTRO APR | REGULAR APR | ANNUAL FEE | CREDIT NEEDED |
|---|---|---|---|
| 0% on purchases | 14.74% - 22.74% (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 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 15 billing cycles the U.S. Bank Business Cash Rewards World EliteTM Mastercard® offers.
Capital One® Spark® Miles Select for Business Costs
Capital One® Spark® Miles Select for Business offers cardholders an interest-free financing period on purchases for the first nine months. This card falls low on our list because its introductory APR only applies to purchases.
Financing costs and fees on the Capital One® Spark® Miles Select for Business include:
- Introductory APR: 0% for nine months on purchases
- Ongoing APR: 14.74% to 22.74% variable, which will adjust based on the prime rate
- Annual fee: None
- Balance transfer fee: None
This is a business credit cards without foreign transaction fees. If your travel frequently takes you abroad, this might be a better pick than, say, the 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 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 UnlimitedSM, which pays $500 cash back after spending $3,000 within three months.
Ongoing Rewards
You’ll earn 1.5x miles for every dollar spent when using your card. There’s no real rewards advantage to using this card over the other Capital One card on our list, as the redemption rate is identical—each mile is worth 1 cent. However, you may find it more convenient to purchase travel directly with the issuer. No other card on our list offers that feature.
How to Redeem Rewards
You can redeem your rewards in one of six ways:
- Redeem for travel: Book flights, car rentals, or hotels. You’ll need to redeem 100 points for every dollar of travel. For example, if your travel costs $300, you would need 30,000 miles to cover the cost of that travel purchase.
- Redeem for past travel purchases: You can redeem your rewards for prior travel purchases made using your Capital One business card. You must redeem your miles within 90 days from the date the travel purchase shows on your account.
- Transfer to a select loyalty program: You can transfer your Capital One miles to 15 select loyalty programs. Your miles may be worth more in free travel when you transfer to one of these partners.
- Statement credit or check: You can also redeem your points as cash back in the form of a statement credit or a check by mail. Redemption value is 1 cent per point.
- Redeem for gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels. Your gift card will arrive within two to three weeks.
- Automatic redemption: You can receive your miles at a specific time every year or when you reach a set threshold ($25, $50, $100, $200, $500, or $1,500).
Compared to Capital One® Spark® Cash Select for Business, the Capital One® Spark® Miles Select for Business offers more reward redemption options. For example, with this card, you can redeem rewards for travel purchase or transfer your miles to a select loyalty partner.
Capital One® Spark® Miles Select for Business Additional Features
According to Capital One’s website, you’ll receive to other no-interest credit cards on our list, such as purchase protection and extended warranty protection. These features and coverage levels are identical to what Capital One® Spark® Cash Select for Business offer.
Capital One® Spark® Miles Select for Business offers 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 U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less.
Notice 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 CashSM 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 CashSM Card (12 months). It also does not offer an interest-free period on balance transfers like the 15 billing cycles you’d receive with the U.S. Bank Business Cash Rewards World EliteTM Mastercard®.
Capital One® Spark® Miles Select for Business Reviews
We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Miles Select for Business reviews show that users generally like the 1.5x miles they earn on all purchases, but with larger card expenses may be better off finding a card that offers a higher return.
User Reviews
Users appreciate the simple rewards program structure and the ability to use miles to pay for airfare. Cardholders unhappy with the card are disappointed that Capital One reports the primary cardholder’s account activity to consumer credit bureaus, which not all business card issuers do.
Editorial Reviews
For businesses that put less than $19,000 in charges per year on their card, Capital One® Spark® Miles Select for Business offers a good return. However, you’ll be losing out on rewards if your company spends more. The Capital One® Spark® Miles for Business pays unlimited 2x miles per $1 on all spending and comes with a $95 annual fee, waived the first year. However, it offers no introductory APR period.
How to Apply for Capital One® Spark® Miles Select for Business
Apply for the Capital One® Spark® Miles Select for Business card online. It’s possible to get approved within minutes, and the issuer will deliver the 0% business credit card by mail within seven to 10 business days.
Bank of America® Business Advantage Cash Rewards Mastercard: Best for Gas Purchases
Apply Nowon 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 | 13.99% - 23.99% 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 9 billing cycles on purchases. Ongoing variable APR starts at 13.99%.
Bank of America® Business Advantage Cash Rewards Mastercard Costs
With the Bank of America® Business Advantage Cash Rewards Mastercard, you’ll pay no interest on purchases for the first 9 billing cycles. Plus, it charges no annual fee.
Financing costs and fees on the Bank of America® Business Advantage Cash Rewards Mastercard include:
- Introductory APR: 0% for 9 billing cycles on purchases
- Ongoing APR: 13.99% to 23.99% 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 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 CashSM offers the best introductory offer, $500 after you spend $3,000 within the first three months of account opening.
Ongoing Rewards
You’ll earn the following rewards when using your card:
- 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.
How to Redeem Rewards
You can redeem your cash back as a deposit into your Bank of America checking or savings account, as a card statement credit, or via check. You can redeem rewards at any time, and there is no annual cap on rewards redemption.
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. 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 CashSM 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 the Chase Ink Business CashSM (5%), and the introductory bonus is the lowest among the cards on our list that offer a welcome bonus.
Bank of America® Business Advantage Cash Rewards Mastercard® Reviews
We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Cash Rewards Mastercard® reviews are generally mixed. This card is cheap to own, but the low APR and lack of an annual fee do come with a cost. Rewards and benefits aren’t as good on this Bank of America business card as on other no-interest cards.
User Reviews
Bank of America® Business Advantage Cash Rewards Mastercard® users like the introductory 0% APR, the lack of an annual fee, and the ability to earn up to 3% ongoing cash rewards. However, some complain that the introductory rewards aren’t as high as other cards offer.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews find the Bank of America® Business Advantage Cash Rewards Mastercard® to be adequate, but not overwhelming. It offers good, but not great, ongoing rewards and good, but not great, introductory rewards.
How to Apply for the Bank of America® Business Advantage Cash Rewards Mastercard
Apply for the Bank of America® Business Advantage Cash Rewards Mastercard online directly with Bank of America. The application takes five to 10 minutes to complete, and you should get a response quickly. New cards are typically received within two weeks.
Bank of America® Business Advantage Travel Rewards World Mastercard: Best for International Travel
Apply Nowon 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 | 12.99% - 22.99% 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 9 billing cycles on purchases, then an ongoing APR as low as 12.99%, the second-lowest on our list.
Bank of America® Business Advantage Travel Rewards World Mastercard Costs
The Bank of America® Business Advantage Travel Rewards World Mastercard offers interest-free financing on purchases for the first 9 billing cycles. We don’t recommend this card for balance transfers because the introductory APR only applies to purchases.
Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard include:
- Introductory APR: 0% for 9 billing cycles on purchases
- Ongoing APR: 12.99% to 22.99% 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 12.99%, 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 U.S., 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 CashSM Card offers when you spend $3,000 within the first three months.
Ongoing Rewards
You’ll earn the following rewards when using your card:
- 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.
How to Redeem Rewards
You can redeem your points for travel, travel credits, and cash. Redeeming your points for cash means you’ll accept the rewards as a deposit into your Bank of America checking or savings account, as a card statement credit, or via check. You must redeem points for travel credit—meaning something you already paid for with your card—within 12 months of purchase.
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. 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 CashSM 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.
Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews
We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Travel Rewards World Mastercard reviews are generally very positive. This card has good value and no annual fee. But that also means it includes few of the benefits, like airport lounge access, seen on travel rewards cards that charge an annual fee.
User Reviews
Cardholders enjoy the rewards they can earn with the card but note that rewards aren’t as high as those provided some other travel credit cards, like the American Express Business Platinum Card®, which pays 5x points on airfare and hotels. However, the American Express card offers no 0% introductory APR and charges a $595 annual fee.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this Bank of America business card find this is a good pick for business owners looking for their first travel rewards card. It’s also ideal for owners leery of paying annual fees. But this card can’t compete with other travel rewards credit cards when it comes to card benefits.
How to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard
Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard directly with Bank of America. It’s one of the easier 0% business credit cards to apply for and is an ideal card for business owners who travel frequently for business.
U.S. Bank Business Platinum Card: Best for Low Ongoing APR
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 12.24% - 20.24%*
- No annual fee*
- Free employee cards
- Zero fraud liability* protects you against unauthorized transactions
| INTRO APR | REGULAR APR | ANNUAL FEE | CREDIT NEEDED |
|---|---|---|---|
| 0% | 12.24% - 20.24% 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,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 12.24% and 20.24%. 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
You will receive no-interest financing on purchases and balance transfers for the first 12 billing cycles when they use the U.S. Bank Business Platinum Card. Plus, you’ll pay no annual fee.
Financing costs and fees on the U.S. Bank Business Platinum Card include:
- Introductory APR: 0% APR on purchases and balance transfers for the first 12 billing cycles
- Ongoing APR: 12.24% to 20.24%, 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
The U.S. Bank Business Platinum Card offers additional perks that protect you against damage or theft. These additional card features are similar to what you would find on other business credit card balance transfer offers.
The U.S. Bank Business Platinum Card comes with the following 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.
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 business credit cards on our list offer both types of rewards. For example, Chase Ink Business CashSM 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 Platinum Card Reviews
We considered both user reviews and our own editorial review when rating this card. U.S. Bank Business Platinum Card reviews suggest this low-interest business credit card is best if you’re looking to carry a balance. However, you won’t have the opportunity to earn any rewards.
User Reviews
We reviewed several online U.S. Bank Business Platinum Card user reviews and found most to be positive. Some cardholders comment that the low interest rate has been helpful while building their businesses. Some users complain that the card doesn’t offer introductory or ongoing rewards.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. In our U.S. Bank Business Platinum review, we found this card is best designed for business owners who want to limit the cost of carrying a balance. However, it’s one of the few low-interest business credit cards that doesn’t offer any rewards.
How to Apply for the U.S. Bank Business Platinum Card
You can apply for the U.S. Bank Business Platinum Card online by filling out a basic application. You will be required to provide your basic business and personal information, and you could be approved instantly. Once approved, you will receive your card within seven to 10 days.
Note: Only available to people living in these states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin, and Wyoming.
GM BuyPower Business: Best for Businesses With Fleet Vehicles
GM BuyPower Business Card
- 5% Earnings on purchases of GM parts, accessories and service at authorized GM Dealers.
- 3% Earnings on purchases at gas stations, restaurants and office supply stores.
- 1% Earnings on all other purchases.
- No Annual Fee
| INTRO APR | REGULAR APR | ANNUAL FEE | CREDIT NEEDED |
|---|---|---|---|
| 0% for 12 months | 19.24% - 27.15% Variable | $0 | Good - Excellent |
On BuyPower's Secure Website
The GM BuyPower Business card is best for businesses that use GM fleet vehicles. It offers a 12-month, interest-free introductory period on purchases, but not balance transfers. Its ongoing 19.24% variable APR is about four percentage points higher than the lowest American Express Blue Business® Plus APR.
GM BuyPower Business Costs
The GM BuyPower Business card offers an introductory 0% APR period for 12 months on purchases. You’ll also pay no annual fees.
Financing costs and fees on the GM BuyPower Business card include:
- Introductory APR: 0% for 12 months on purchases
- Ongoing APR: 19.24% variable, which will adjust with the prime rate
- Annual fee: None
- Foreign transaction fees: None
This card doesn’t offer an introductory APR on balance transfers, like the American Express Blue Business® Plus, which means this isn’t a good choice if you have high-interest debt to transfer.
GM BuyPower Business Rewards
The rewards are structured nicely to benefit businesses with several GM vehicles. You’ll earn 5% on purchases of GM parts and accessories and 3% at gas stations.
Introductory Rewards
GM BuyPower Business offers no sign-up bonus. It is one of six no-interest credit cards on our list that come with no introductory rewards, including the American Express Blue Business CashTM Card, American Express Blue Business® Plus, the U.S. Bank Business Platinum Card, Citi Simplicity®, and Chase Slate®.
Ongoing Rewards
Earn the following rewards when using your card:
- 5% on purchases of GM parts, accessories and service at authorized GM dealers
- 3% on purchases at gas stations, restaurants, and office supply stores
- 1% on all other purchases
The rewards program is unique among the best 0% APR business credit cards on our list, but if you aren’t in the market for a new GM vehicle, steer clear. Instead, choose a card that pays 2x points on all spending, American Express Blue Business® Plus.
How to Redeem Rewards
You can redeem rewards toward the purchase or lease of a new GM vehicle. Rewards can be redeemed as a down payment, to lower your monthly payment or to add extra optional equipment.
GM BuyPower Business Additional Features
You won’t find purchase and travel protection perks on this card like other cards offer, but with Mastercard Easy Savings, you can enjoy exclusive savings with automatic rebates when you use your card at participating merchants nationwide. Compare this Chase Ink Business CashSM Card, which offers auto rental insurance, purchase protection, and extended warranty protection.
What GM BuyPower Business Is Missing
Rewards for the GM BuyPower Business card are centered on new purchases and leases of GM vehicles. If you don’t plan to use GM vehicles or need vehicles for business travel, this is a bad card for you. Instead, choose a card like Capital One® Spark® Cash Select for Business, which offers 1.5% fixed-rate cash back rewards on all spending.
GM BuyPower Business Reviews
We considered both user reviews and editorial reviews when rating this card. This card receives mixed user reviews, particularly when it comes to the interest, you’ll pay on balances carried from one month to the next. It’s also a card that holds little value for owners who aren’t loyal to GM.
User Reviews
We found several online user reviews for this business credit card. The biggest complaint centers on the APR, which is not offered in a range based on your creditworthiness. Business owners can find ongoing APRs that are about seven percentage points lower with the U.S. Bank Business Platinum Card.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. This card offers a lengthy introductory 0% APR offer on purchases. However, you’ll receive no introductory offer on balance transfers, no introductory rewards, and a high ongoing APR. This card is suitable only for GM loyalists who intend to buy another GM vehicle within five years.
How to Apply for GM BuyPower Business
Apply for the GM BuyPower Business card online using the BuyPower portal. The application process is quick, and you should be able to get approved within 24 hours. The 0% business credit card typically arrives in seven to 10 business days.
Chase Slate®: Best 0% Introductory Offer With No Balance Transfer Fee
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 | 16.99%–25.74% Variable | $0 | Good - Excellent |
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 16.99%.
Chase Slate® Costs
In addition to no-interest financing for 15 months on purchases and balance transfers, Chase Slate® offers the opportunity to avoid balance transfer fees. This is the only card on our list that offers this fee structure.
Financing costs and fees on Chase Slate® include:
- Introductory APR: 0% for 15 months on purchases and balance transfers
- Ongoing APR: 16.99% to 25.74%, 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 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
For a card that offers few frills, the features are fairly exceptional. Much like other cards on our list, you’ll receive purchase protection. Plus, you’ll also have two features unique to this card.
Chase Slate® offers the following 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 CashSM 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.
Chase Slate® Reviews
We considered both user reviews and editorial reviews when rating this personal credit card. Chase Slate® earns average online reviews among users, who say the ongoing APR is too high for a card that is supposed to save you money on interest payments. However, the lengthy introductory 0% APR offer on purchases and balance transfers is better than all cards on this lies except the U.S. Bank Business Cash Rewards World EliteTM Mastercard®.
User Reviews
We found numerous online comments regarding this card when we searched for user reviews. Some users complain about getting rejected for the card despite having an above-average credit score. Others say the APR is too high, particularly for someone with a prime credit rating.
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Chase Slate® isn’t a small business credit card, but rather a personal card. However, it could prove more valuable in the short run than most 0% business credit cards. Its introductory no-interest offer is better than any other card on our list offers. Still, after the interest-free period expires, this card will have little remaining value.
How to Apply for Chase Slate®
Applying for the Chase Slate® is not unlike applying for business credit cards and can be done online at the issuer’s website. You may learn of your approval instantly and receive your card in the mail within seven to 10 business days.
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.
Citi Simplicity®: Best No-interest Credit Card for Balance Transfers
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 | 16.74% - 26.74% Variable | $0 | Good - Excellent |
On Citi's Secure Website
Citi Simplicity® is a personal credit card that’s best for small businesses that want 21 months to pay off balance transfers. That’s the longest introductory period on balance transfers among credit cards with no interest. If you’re just starting your business or can’t qualify for a 0% interest business credit card, use a personal credit card to pay business expenses. It offers an ongoing APR as low as 16.74%.
Citi Simplicity® Costs
Citi Simplicity® offers no-interest financing for 12 months on purchases and 21 months on balance transfers. This is the longest balance transfer offer on our list.
Financing costs and fees on Citi Simplicity® include:
- Introductory APR: 0% for 12 months on purchases and 21 months for balance transfers
- Ongoing APR: 16.74% to 26.74%, which will adjust based on the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater
If you know it’s going to take you a long time to pay off a previous card’s balance, there is no better choice than Citi Simplicity® because it gives you 21 months to pay off balance transfers, the longest on our list. However, you’ll pay a hefty balance transfer fee of 5%. The best no-interest credit cards charge 3% or less. You must complete your transfer within four months of account opening.
Citi Simplicity® Rewards
Unlike most of the other cards on our list, Citi Simplicity® offers neither introductory nor ongoing rewards. If paying off an existing balance is your most important goal, rewards should not be a priority anyway.
Citi Simplicity® Additional Features
Citi Simplicity® does not offer any of the travel or purchase protections seen on many of the other credit cards on our list of the best 0% APR business cards. However, it does come with two benefits that users in debt might find worthwhile: you’ll never pay a late fee, and your APR will never be assessed a penalty rate for being late. These features are unique to Chase Slate®.
What Citi Simplicity® Is Missing
Citi Simplicity® is not a business credit card, which means it can’t help you build business credit because it doesn’t report to the business credit bureaus. You’ll also receive no rewards, which means this card essentially loses all value after the introductory period ends.
Citi Simplicity® Reviews
We considered both user reviews and editorial reviews when rating this card. Citi Simplicity® receives average marks in online and editorial reviews. It does one thing well—offers no-interest financing on balance transfers—and is otherwise fairly mediocre. It offers no rewards, no introductory offer on purchases and few benefits.
User Reviews
Users complained about poor customer service and low credit lines. Others said they valued the balance transfer offer, which allowed them to get out from under APRs of more than 20%. However, this card loses most of its value after the end of the introductory period
Editorial Reviews
We rate small business credit cards based on their costs, rewards, and benefits. Although Citi Simplicity® isn’t a small business credit card—it’s a personal card—this card could prove valuable for owners looking to get out of credit card debt as cheaply as possible. It’s ideal for an owner who needs more than a year to pay off existing balances. You’ll want to find a different card after paying off your balance.
How to Apply for Citi Simplicity®
Apply for Citi Simplicity® online directly on Citi’s website. It’s one of the easier 0% credit cards to get and is a great way to cover operating capital expenses for your business until you can get a dedicated business credit card.
Bottom Line
A 0% business credit card is a great option for business owners who need to float working capital expenses for nine to 21 months. Compare to other top cards to find the best option for you. Remember, some of the best small business credit cards on this list also offer cashback or rewards points.
For rates and fees on the American Express Blue Business CashTM, please click here.
For rates and fees on American Express Blue Business® Plus, please click here.
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Disclaimer: Reviews on FitSmallBusiness.com are the product of independent research by our writers, researchers, and editorial team. User reviews and comments are contributions from independent users not affiliated with FitSmallBusiness.com's editorial team. Banks, issuers, credit card companies, and other product & service providers are not responsible for any content posted on FitSmallBusiness.com. As such, they do not endorse or guarantee any posted comments or reviews.
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