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5 Best 0% APR Business Credit Cards August 2020

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By Jordan Tarver on May 6, 2020

Updated on November 10, 2020

Jordan is a financial analyst with over two years of experience in the mortgage industry. He brings his expertise to Fit Small Business’s credit card and bank account 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.

Small businesses can use no-interest business credit cards to fund purchases or pay off high-interest credit card debt for free. The best 0% annual percentage rate (APR) business credit cards give you access to interest-free periods from 12 to 15 billing cycles. Be sure to repay your balance before the introductory period ends and the ongoing APR kicks in.

The best 0% APR business credit cards are:

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for Earning an Annual Cash Bonus

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

Apply Now

On US Bank's Secure Website

See Rates and Fees

Fit Small Business Review
Rating 4 4
?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: 0% APR for 15 Billing Cycles

Intro APR ?0% APR for 15 billing cycles on purchases and balance transfers Regular APR Annual Fee Credit Needed
0%* 11.99% - 22.99% Variable $0* Excellent
  • 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
  • 0% Intro APR on purchases for the first 15 billing cycles. After that variable APR currently 11.99% - 22.99%
  • 3% cash back on eligible gas station, office supply store and cell phone/service provider 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
Pros
  • A 0% APR period on purchases on balance transfers
  • 25% annual cash rewards bonus
Cons
  • Small introductory bonus offer
  • Balance transfer fee
  • 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: This small business credit card clocks in at No. 1 because it offers an outstanding 0% APR for 15 billing cycles on purchases and balance transfers. Plus, this business credit card is one of a kind, as it offers a unique annual cash bonus based on your prior year’s rewards. At the end of the year, you’ll earn an annual bonus worth up to $250. It’s also the only card on our list that includes a welcome offer and an annual bonus, so use this card if you’re looking to earn some extra bucks.

What’s more, it offers ongoing rewards for spending at office supply stores, gas stations, and on cellphone purchases and service. This is the only card that made our list—and that we reviewed—that pays rewards for cellphone-related purchases and service.

Although our second pick has the same introductory APR offer and a lower ongoing APR, it doesn’t offer a rewards program like the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. Our top pick in this article also ranks as the best balance transfer business credit card.

U.S. Bank Business Platinum Card: Overall Best 0% APR Business Credit Card

U.S. Bank Business Platinum Card

Apply Now

On US Bank's Secure Website

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Fit Small Business Review
Rating 3.5 3.5
?Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.

Best For: Extended 0% APR period on purchases and balance transfers

Intro APR ?0% APR for 20 billing cycles on purchases and balance transfers Regular APR Annual Fee Credit Needed
0%* 9.99% - 17.99% Variable $0 Excellent
  • 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
Pros
  • One of the longest 0% APR period offered
  • No annual fee
Cons
  • Comes without rewards
  • 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 Card falls just short of our top pick. Although it offers the same introductory offer of 0% APR for 15 billing cycles on purchases and balance transfers, it does not have a rewards program. This means you won’t be able to earn a welcome bonus, annual bonus, or ongoing rewards for your everyday purchases.

If rewards are not your primary concern, however, then this may be the card for you. Unlike our top pick, the U.S. Bank Business Platinum Card gives you access to the lowest ongoing APR once the introductory period ends, making it an excellent choice for cheap financing.

American Express Blue Business Cash™ Card: Best for Earning High Fixed-rate Rewards

American Express Blue Business Cash™ Card

Apply Now

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

See Rates and Fees

Fit Small Business Review
Rating 4 4
?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: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months

Intro APR ?0% introductory APR for 12 months on purchases Regular APR Annual Fee Credit Needed
0% on purchases 13.24% - 19.24% Variable No annual fee Good, Excellent
  • 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, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • No interest for 12 months
  • Earn consistent 2% cash back rewards on every purchase
Cons
  • Offers no cash sign-up bonus
  • 2% cash back category is capped at $50,000 in annual spending
  • Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to 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.
  • Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.

Why we like it: Business owners should use this no-interest business credit card if they value fixed-rate rewards. It pays 2% cash back on all spending. You’ll also tap into a 12-month 0% introductory APR offer on purchases. While the length of this financing offer is strong, it doesn’t apply to balance transfers.

This is one of the few cards on our list that offers expanded buying power, which means you can spend above your credit limit if you need to access more capital. How much more you can spend is based on factors like your credit and payment history. While this could be extremely beneficial for some business owners, this card lacks an introductory offer like other cards on our list.

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

The Blue Business® Plus Credit Card from American Express

Apply Now

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

See Rates and Fees

Fit Small Business Review
Rating 4.5 4.5
?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 2x points per $1 and 0% introductory APR for 12 months

Intro APR ?0% introductory APR for 12 months on purchases Regular APR Annual Fee Credit Needed
0% on purchases 13.24% - 19.24% Variable No annual fee Good, Excellent
  • 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 for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
Pros
  • 0% APR for 12 months on purchases and balance transfer
  • Earn 2x points on all spending
Cons
  • No lucrative welcome offer
  • 2x points rewards are capped at $50,000 in spending
  • Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It 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.

Why we like it: American Express Blue Business® Plus offers the same introductory APR period as the American Express Blue Business Cash™ Card. However, American Express Blue Business® Plus pays its rewards in points instead of cash back. We appreciate this card because American Express gives business owners who travel often an opportunity to access a similar financing offer but with rewards geared toward their business needs.

Similar to the American Express Blue Business Cash™ Card, American Express Blue Business® Plus also gives you more buying power. So, if you need to spend more than your predetermined spending limit, this card gives you the power to do it. American Express determines your extra limit based on your payment and credit history.

Choose this card if you want to redeem your rewards for travel and an easy-to-follow ongoing rewards program.

Chase Ink Business Cash®: Best for Office Supply Purchases

Ink Business Cash® Credit Card

Apply Now

On Chase's Secure Website

Fit Small Business Review
Rating 5 5
?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: Office-based businesses that want top cash back rewards

Intro APR ?0% APR for 12 months on purchases Regular APR Annual Fee Credit Needed
0% Intro APR on Purchases 13.24% - 19.24% Variable $0
  • Earn $750 bonus cash back after you spend $7,500 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
Pros
  • Top rewards for office supply spending
  • Introductory APR on purchases
  • Cash sign-up bonus
Cons
  • 0% APR doesn’t apply to balance transfers
  • High balance transfer fee of 5%
  • Designed mainly for office-oriented companies
  • 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.

Why we like it: Consider this card only if you’re an office-based business that needs to finance purchases. It pays 5% cash back on common business spending categories, including office supplies. Plus, if you spend $7,500 in the first three months, you’ll earn a $750 welcome bonus.

This card also offers interest-free financing on purchases for 12 months. An offer like this is a handy way to finance large business-related purchases when you might not have enough cash on hand.

Unlike the cards we rank above this Chase business credit card, the Chase Ink Business CashSM 0% introductory APR offer only applies to purchases. Look elsewhere if you need to transfer a balance.

Tip: You can redeem Chase rewards for cash back, gift cards, or travel. Each redemption method is worth 1 cent per point. However, if you transfer rewards to another card that’s part of the Ultimate Rewards program, each point is worth 1.25 cents when redeemed for travel.

How We Evaluated No-interest Business Credit Cards

For this list, we focused on business credit cards that offer introductory 0% APR periods of 12 months or longer, providing an inexpensive way to carry a card balance. Some cards only offer no-interest financing on purchases, but the best no-interest business credit cards offer 0% APR on both purchases and balance transfers. We also considered sign-up bonuses, ongoing reward structures, and any additional perks like expanded buying power.

Bottom Line

A 0% business credit card is an excellent option for business owners who need to float working capital expenses for 12 to 15 billing cycles. The best card for you is one that offers a financing period and rewards program that fits your business needs. Comparing the top cards can help you find an option that checks both of those boxes.

For rates and fees on the American Express Blue Business Cash™ Card, please click here.

For rates and fees on American Express Blue Business® Plus, please click here.

About the Author

Jordan Tarver

Jordan Tarver is a financial analyst, writer, and editor at Fit Small Business focusing on credit cards and bank accounts. Jordan brings over two years of experience in account management and price analysis in the mortgage industry to Fit Small Business. He is also an accomplished self-published author.

@jordantarv

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