Editor’s note: This is a recurring post with regularly updated card details.
Save money with a 0% introductory annual percentage rate (APR) credit card by financing interest-free purchases before the regular variable rate APR kicks in. Some cards even offer 0% for transfer balances, which can help manage your debt. You can think of it as an interest-free loan for the length of the introductory offer. To maximize this offer, you’ll want to budget your monthly payment so that, by the time the 0% rate ends, you have a zero balance on your card.
Here are the best 0% APR business credit cards:
- U.S. Bank Business Platinum: Best overall 0% card
- American Express Blue Business® Plus: Best for earning points
- American Express Blue Business Cash™: Best for earning cash back
- U.S. Bank Triple Cash Rewards World Elite™ Mastercard®: Best for ongoing rewards
- Chase Ink Business Unlimited®: Best for its simplicity
U.S. Bank Business Platinum
U.S. Bank Business Platinum Card
BEST FOR
Extended 0% APR period on purchases and balance transfers
- 0% Intro APR* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
- No annual fee*
- Free employee cards
- Zero fraud liability* protects you against unauthorized transactions
Pros
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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: This card wins big for best 0% APR business credit card for a few reasons: You pay zero interest on purchases for 18 billing cycles, and you can transfer high balances from other cards, also at 0% APR. Once the introductory rate ends, the starting APR (11.99%) is the lowest of all the cards on this list—and there’s no annual fee.
Although this card doesn’t offer any rewards, it can help you accomplish your business goals if you need to make large purchases or consolidate debt from other cards. We consider this one of the best small business credit cards.
American Express Blue Business® Plus
The Blue Business® Plus Credit Card from American Express
BEST FOR
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, 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 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 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: With the American Express Blue Business Plus® card, you get a 0% introductory APR for 12 months, and you’ll earn 2x points on all purchases every time you use it. Plus, within the first three months of card membership, you’ll earn 15,000 points if you spend $3,000 on eligible purchases.
There’s plenty of flexibility when you’re ready to redeem your points. This card offers several types of rewards, including travel, gift cards, purchases through Amazon and other stores, and automatic credits to your bill.
American Express Blue Business Cash™
American Express Blue Business Cash™ Card
BEST FOR
Earning 2% cash back every time you swipe and 0% introductory annual percentage rate (APR) for 12 months
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express 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 5 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, such as a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.
Why we like it: This card offers 0% APR for the first 12 months, a low interest rate, and no annual fee. It offers easy cash back rewards, with 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% after that.
If you spend $3,000 on qualifying purchases within the first three months, you’ll earn a $250 statement credit. This is a great card if you prefer cash back over points.
U.S. Bank Triple Cash Rewards World Elite™ Mastercard®
U.S. Bank Business Triple Cash Rewards Visa®
BEST FOR
0% APR for 15 Billing Cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Limited time offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, cellphone service providers. and restaurants.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 13.99% to 22.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR does not apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 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: U.S. Bank Triple Cash Rewards Visa® Business Card is the card that keeps on giving. In the first 15 billing cycles, you get an introductory 0% APR for both purchases and balance transfers. If you spend $4,500 within the first 150 days, you’ll earn $500 cash back. This card also gives you 3% cash back at eligible gas stations, office supply stores, cellphone and service providers, and restaurants.
You’ll earn 1% cash back on all other eligible purchases, plus an annual $100 software credit on recurring subscription expenses such as FreshBooks or QuickBooks. In addition, there’s no annual fee, no limit on total cash back earned, and rewards never expire. It’s one of the best business credit cards for balance transfers.
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
BEST FOR
Pocketing 1.5% cash back on every single purchase
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Why we like it: Keep things simple and easy with this card. As the name suggests, it offers unlimited 1.5% cash back on any purchase, with no cap and no annual fee, and 0% APR on purchases for the first 12 months. You’ll also get $750 back after spending $7,500 in the first three months.
This card may be a good choice if you don’t have time to keep track of purchase categories and restrictions, and your business-related purchases don’t include international travel since it does charge a foreign transaction fee.
How We Evaluated The Best 0% APR Cards
To recommend the very best cards for your business with a 0% APR, we evaluated hundreds of cards for their purchasing and savings power and provided you with the ones with the strongest rewards, fees, ongoing interest rate, and overall value.
Bottom Line
Since 0% APR offers don’t last long, it’s best to plan which purchases you’ll make with your card. If you’re looking for the best 0% card to transfer a balance to from another card, keep in mind that not all 0% cards include balance transfers and that most issuers will charge a separate fee, usually 3% to 5% of the amount of the transfer.
Be sure to consider all other factors before selecting a business credit card, such as the interest rate, rewards, and how you will use the card. Our Credit Card Marketplace is a good starting point when you’re looking for a card that will provide the best value.
