A 0% business credit card is one that offers a 0% introductory APR period. These business credit cards have different rewards and costs, but don’t charge interest on purchases for the first six to 15 months. Zero percent business credit cards are used by business owners to float working capital expenses or transfer existing balances between credit cards.
Best 0% APR Business Credit Cards
| American Express Blue Business Plus | Best overall 0% interest business credit card. |
| Chase Ink Business CashSM | Best 0% card for cash-back on typical office expenses. |
| Capital One Spark Cash Select | Best 0% interest business credit card for bonus cash-back. |
| Bank of America® Business Advantage Cash Rewards Mastercard® | Best 0% interest business credit card for earning gas rewards. |
| Capital One Spark Miles Select | Best 0% interest card for earning miles. |
| American Express SimplyCash Plus | Best 0% interest business credit card for flexible cash-back rewards. |
| US Bank Business Edge Select Rewards | Best 0% interest card with low ongoing APR on purchases. |
| Bank of America® Business Advantage Travel Rewards World Mastercard® | Best 0% interest business credit card for international travel. |
| GM BuyPower Business | Best 0% card for businesses that use GM fleet vehicles. |
| Citi Simplicity | Best personal 0% interest credit card to use for business expenses. |
How We Evaluated the Best No Interest Business Credit Cards
To rank the best 0% interest business credit cards, we considered traditional credit cards and charge cards that offer introductory 0% APR periods. We focused on business credit cards and also included a personal credit card with an extra-long introductory APR for business owners who can’t immediately qualify for a business credit card.
To evaluate the best 0% cards, we considered these main factors:
- Length of introductory 0% period
- Introductory and ongoing rewards
- Costs and terms
- Eligibility requirements
As a general rule of thumb, we found that the best 0% interest business credit cards require a hard credit check for business owners, and you’ll need to have a credit score of 690+ to safely qualify. However, we also included a couple cards that are easier to qualify for, typically only requiring a credit score of 640 or more to qualify (check your credit score for free).
1. Best Overall 0% Interest Business Credit Card: American Express Blue Business Plus
The American Express Blue Business Plus card is a small business credit card that offers a 15-month 0% introductory APR period – one of the longest currently available. In addition to the introductory APR, the card offers ongoing rewards of 1x – 2x points per dollar spent. However, there is no introductory bonus offer.
American Express Blue Business Plus Costs
The American Express Blue Business Plus card carries the following costs:
- Introductory APR: 0% for 15 months for purchases and balance transfers
- Ongoing APR: 12.74% – 20.74%
- Annual Fee: None
- Ongoing Balance Transfer Fee: $5 or 3%
- Foreign Transaction Fees: 2.7%
American Express Blue Business Plus Rewards
In addition to the zero percent introductory period, this 0% business credit card also offers ongoing rewards points. Specifically, the American Express Blue Business Plus card gives its cardholders 2x rewards points for each dollar spent the first year, up to $50,000. After the $50,000 threshold, is met the rewards rate drops to 1x per dollar spent.
Introductory Rewards
This card does not offer an introductory reward.
Ongoing Rewards
- 2x rewards for every $1 spent up to $50,000
- 1x rewards for every $1 spent after $50,000
What’s Missing
The American Express Blue Business Plus doesn’t have an introductory reward besides its 0% introductory APR. Its ongoing rewards are also lower than some other cards on this list.
Where to Get the American Express Blue 0% Business Credit Card
You can apply for the American Express Blue Business Plus credit card directly on the American Express website. Once approved, the 15-month introductory APR period starts as soon as you receive your 0% business credit card. To get more information or apply, visit American Express.
2. Best 0% Card for Cash Back on Business Expenses: Chase Ink Business CashSM
The Chase Ink Business CashSM card offers a 12-month, interest-free introductory period that includes balance transfers from other credit cards. The Chase Ink Business CashSM card also offers a $500 introductory cash-back offer as well as ongoing cash-back rewards between 1% and 5%. Overall, it’s one of the best small business credit cards currently available for business owners.
Chase Ink Business CashSM Costs
The costs of the Chase Ink Business CashSM card include:
- Introductory APR: 0% for 12 months for purchases and balance transfers
- Ongoing APR: 14.99% – 20.99% Variable
- Annual Fee: None
- Ongoing Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Chase Ink Business CashSM Rewards
This card also currently has one of the better cash-back rewards programs available to small businesses. First, the card offers a $500 introductory statement credit when you spend $3,000 on purchases in your first three months. Then, the card has ongoing cash-back rewards between 1% and 5%.
Introductory Rewards
- $500 introductory statement credit when you spend $3,000 in the first three months
Ongoing Rewards
You’ll receive the following rewards for purchases on the Chase Ink Business CashSM card:
- 5% cash back on office expenses, including cell phones, landlines, cable, and internet
- 2% cash back on restaurant and gas station purchases
- 1% cash back on all other purchases made on the card
What’s Missing
The Chase Ink Business CashSM card has a $25,000 annual cap on its 5% and 2% spending categories. For example, once you spend $25,000 on restaurant and gas purchases, the cash-back reward drops from 2% to 1% until the new year begins. This cap is half of the American Express Blue Business Plus card, but you can earn your rewards faster with Chase if your spending is on business expenses.
Where to Get the Chase Ink Business CashSM Credit Card
The Chase Ink Business CashSM card can be found online using the Chase portal. 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.
3. Best 0% Business Card for Bonus Cash Back: Capital One Spark Cash Select Business
The Capital One Spark Cash Select is one of a few zero percent business credit cards that offers a nine-month introductory period of 0% interest on purchases. The card also offers an introductory $200 cash bonus and ongoing cash-back rewards equal to 1.5% as well as no foreign transaction fees. The Capital One card doesn’t offer interest-free balance transfers.
Capital One Spark Cash Business Plus Costs
The Capital One Spark Cash Select has the following costs:
- Introductory APR: 0% for nine months for purchases and balance transfers
- Ongoing APR: 14.49% – 22.49%
- Annual Fee: None
- Foreign Transaction Fees: None
Capital One Spark Cash Business Plus Rewards
The Capital One Spark Cash Select offers other perks, such as 1.5% ongoing cash-back rewards for each dollar spent. There are no spending categories. Each purchase on the card receives a statement credit equal to 1.5%. There is also an introductory $200 cash bonus when you spend $3,000 in the first three months.
Introductory Rewards
- $200 cash bonus when you spend $3,000 in the first three months
Ongoing Rewards
- 1.5% cash back on all purchases in the form of statement credits
What’s Missing
The biggest drawback for the Capital One Spark Cash Select card is that there are no balance transfers. If you have a balance on another card that’s accruing interest, there’s no opportunity to transfer that balance this card to take advantage of the 0% period.
Where to Get the Capital One Spark Cash 0% Business Card
Like the cards above, you can get the Capital One Spark Cash Select 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. Visit Capital One for more information on how to apply.
4. Best 0% Card for Gas Rewards: Bank of America® Business Advantage Cash Rewards Mastercard®
The Bank of America® Business Advantage Cash Rewards Mastercard® offers 0% introductory APR on all purchases for the first 9 billing cycles. The card also offers a $200 introductory statement credit and ongoing cash-back rewards between 1% and 3%. There is no introductory period for balance transfers.
Bank of America® Business Advantage Cash Rewards Mastercard® Costs
The Bank of America® Business Advantage Cash Rewards Mastercard® has the following costs:
- Introductory APR: 0% for 9 billing cycles on purchases
- Ongoing APR: 12.99% – 22.99% Variable APR on purchases
- Annual Fee: None
- Foreign Transaction Fees: 3%
Bank of America® Business Advantage Cash Rewards Mastercard®
In addition to the 0% APR introductory period, the Bank of America® Business Advantage Cash Rewards Mastercard® also offers a $200 introductory statement credit if you spend $500 in the first two months. Additionally, you can earn an additional 1% – 3% cash back on ongoing purchases.
Introductory Rewards
- $200 introductory statement credit if you spend $500 in the first two months
Ongoing Rewards
The Bank of America® Business Advantage Cash Rewards Mastercard® offers ongoing cash-back rewards equal to the following:
- 3% cash back on gas station and office supply stores
- 2% cash back on restaurants
- 1% cash back on all other purchases
What’s Missing
The Bank of America® Business Advantage Cash Rewards Mastercard® caps its 3% cash rewards spending at $250,000. Once the $250,000 threshold is met, the rewards rate drops to 1%. Like the introductory offer, ongoing cash back can be redeemed in the form of check, cash deposits in a Bank of America checking or savings account, or statement credit.
Where to Get the Bank of America® Business Advantage Cash Rewards Mastercard®
The Bank of America® Business Advantage Cash Rewards Mastercard® can be applied for online directly with Bank of America. The application takes 5 to 10 minutes and you should get a response quickly. New cards are typically received within two weeks.
5. Best 0% Business Card for Miles: Capital One Spark Miles Select
The Capital One Spark Miles Select card offers nine months of 0% interest as its introductory offer. The card also offers introductory points worth 20,000 miles and ongoing rewards points equal to 1.5x miles per $1 of purchases. There are no foreign transaction fees, but this card doesn’t allow 0% interest balance transfers.
Capital One Spark Miles Select Costs
The costs for the Capital One Spark Miles Select card include:
- Introductory APR: 0% for nine months for purchases and balance transfers
- Ongoing APR: 14.49% – 22.49%
- Annual Fee: None
Capital One Spark Miles Select Rewards
The Capital One Spark Miles Select card also has an introductory offer of 20,000 miles if you spend $3,000 within the first three months. Ongoing rewards points equal 1.5x miles for every dollar spent on the card. There are no spending categories or spending limits for the ongoing rewards program.
Introductory Rewards
- 20,000 miles when you spend $3,000 in the first three months
Ongoing Rewards
- 1.5x miles for every $1 spent on the card
What’s Missing
The rewards for this card are centered on miles and are also relatively low compared to some of the other cards in this list. Unless you travel frequently, this likely won’t be the card for you.
Where to Get the Capital One Spark Miles Select 0% Business Credit Card
The Capital One Spark Miles Select card can be applied for directly with Capital One on their site. It’s possible to get approved within minutes and the 0% business credit card can be received in the mail within seven to 10 business days.
6. Best 0% Card for Flexible Cash Back: American Express SimplyCash Plus
The American Express SimplyCash Plus card is another one of the 0% APR business credit cards that offers a nine-month introductory period of 0% APR on all purchases. The card also offers introductory statement credits worth a combined $500 and ongoing cash-back rewards between 1% and 5%. There are no balance transfers, which can hurt financing options.
American Express SimplyCash Plus Costs
The costs of the American Express SimplyCash Plus card include:
- Introductory APR: 0% for nine months for purchases and balance transfers
- Ongoing APR: 13.74% – 20.74%
- Annual Fee: None
- Foreign Transaction Fees: 2.7%
American Express SimplyCash Plus Rewards
In addition to the 0% APR introductory period, the American Express SimplyCash Plus card also offers a $250 introductory cash back if you spend $5,000 in the first six months. Additionally, you can earn an additional $250 in cash back if you spend $10,000 in the first 12 months. What’s more, the card offers ongoing cash-back rewards.
Introductory Rewards
- $250 in cash back if you spend $5,000 in the first six months
- Another $250 cash back if you spend $10,000 in the first year
Ongoing Rewards
The American Express SimplyCash Plus card offers ongoing rewards equal to the following:
- 5% cash back on wireless telephone services
- 3% cash back on one of eight spending categories of your choice
- 1% cash back on all other purchases
What’s Missing
The American Express SimplyCash Plus card caps its spending categories at $50,000 per year. Once the $50,000 threshold is met in a specific spending category, the rewards rate drops to 1%. Like the introductory offer, ongoing cash back is received in the form of a statement credit between 30 and 60 days after a bill is paid.
Where to Get the American Express SimplyCash Plus Card
The American Express SimplyCash Plus card can be applied for online directly through the American Express website. It’s one of the harder zero percent business credit cards to apply for, but it is rated as one of the best business cards for startup businesses.
7. Best 0% Card for Prime Borrowers: US Bank Business Edge Select Rewards
The US Bank Business Edge Select Rewards card offers a nine-month, interest-free introductory period on purchases and balance transfers from other credit cards. The US Bank Business Edge Select Rewards card also offers 20,000 bonus points and 3x ongoing points on a category of your choice. It also one of the lowest ongoing variable APRs among small business credit cards.
US Bank Business Edge Platinum Costs
The costs of the US Bank Business Edge Select Rewards card include:
- Introductory APR: 0% for nine months for purchases and balance transfers
- Ongoing APR: 13.49% – 24.49%
- Annual Fee: None
- Foreign Transaction Fees: 3%
US Bank Business Edge Select Rewards
US Bank Business Edge Select Rewards Card is a 0% business credit card for the first nine months. The Business Edge Select Rewards card has no annual fee, offers 20,000 bonus points when you spend $1,000 in the first 90 days, and provides 3x rewards on purchases in the category you choose.
Introductory Rewards
- 20,000 points when you spend $1,000 in the first 90 days
Ongoing Rewards
You will continue to earn rewards when you use the US Bank Business Edge Select Rewards card, including 3x points on spending in one of the following categories:
- Everyday purchases, including shipping, office supplies, and utilities
- Automotive expenses like gas, service, toll, or repair charges
- Travel and entertainment, including restaurants, hotels, airlines, and auto rental
You’ll earn 1x points on all other spending with this card, and there is no limit on rewards.
What’s Missing
While this card offers a nine-month, 0% introductory APR and low ongoing APR for prime borrowers, interest rates for less qualified borrowers are much higher.
Where to Get the US Bank Business Edge Platinum 0% Business Credit Card
The US Bank Business Edge Select Rewards card can be found online using the US Bank portal. The application process is easy and you should get a qualification decision within 24 hours. The 0% business credit card typically arrives within two weeks.
8. Best 0% Card for Foreign Travel: Bank of America® Business Advantage Travel Rewards World Mastercard®
The Bank of America® Business Advantage Travel Rewards World Mastercard® offers 0% introductory APR on purchases for the first 9 billing cycles. The card also offers introductory statement credits worth $250 and ongoing rewards between 1.5% and 3%. There are no international transaction fees, making it the best card on this list for international travel.
Bank of America® Business Advantage Travel Rewards World Mastercard® Costs
The costs for the Bank of America® Business Advantage Travel Rewards World Mastercard® include:
- Introductory APR: 0% for 9 billing cycles on all purchases
- Ongoing APR: 12.99% – 22.99% Variable APR on purchases
- Annual Fee: None
- Foreign Transaction Fees: None
Bank of America® Business Advantage Travel Rewards World Mastercard®
In addition to the 0% APR introductory period, the Bank of America® Business Advantage Travel Rewards World Mastercard® also offers 25,000 bonus points if you spend $1,000 in the first two months. Those points can be redeemed for a $250 statement credit toward travel expenses. Additionally, you can earn ongoing cash-back rewards.
Introductory Rewards
- 25,000 points worth $250 if you spend $1,000 in the first two months
Ongoing Rewards
This card also offers rewards for ongoing purchases including:
- 3 points per dollar spent on travel purchases booked through the Bank of America Travel Center
- 1.5 points per dollar spent on all other purchases
What’s 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.
Where to Get the Bank of America® Business Advantage Travel Rewards World Mastercard®
You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® directly with Bank of America®. It’s one of the easier zero percent business credit cards to apply for, and is an ideal card for business owners who travel frequently for business.
9. Best 0% Card for Businesses with Fleet Vehicles: GM BuyPower Business
The GM BuyPower Business card offers a 12-month, interest-free introductory period that does not include balance transfers. The GM BuyPower Business card also offers rewards from 2% to 5% on all purchases that can be redeemed toward the purchase or lease of a new GM vehicle. It’s one of the best small business credit cards available, especially for owners who use vehicles for business.
GM BuyPower Business Costs
The GM BuyPower Business card has the following costs:
- Introductory APR: 0% for 12 months for purchases and balance transfers
- Ongoing APR: 14.40% – 24.40%
- Annual Fee: None
- Foreign Transaction Fees: None
GM BuyPower Business Rewards
This card also currently has a great rewards program for business owners who use fleet vehicles for business. While there is no introductory reward, you can get 5% earnings on your first $5,000 of purchases or balance transfers each year. After that, the card has ongoing rewards of 2% for all additional purchases or transfers.
Introductory Rewards
- 5% earnings on the first $5,000 of purchases and balance transfers each year
Ongoing Rewards
Ongoing GM BuyPower rewards include the following:
- 2% earnings on all other purchases or transfers made on the card
What’s Missing
Rewards for the GM BuyPower Business card are centered around 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.
Where to Get the GM BuyPower 0% Business Credit Card
The GM BuyPower Business card can be found 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.
10. Best 0% Personal Credit Card for Business Expenses: Citi Simplicity
The Citi Simplicity card is a personal card that offers one of the longest introductory periods with 0% APR for 18 months. If you’re just starting your business or can’t qualify for a 0% interest business credit card, you can use a Citi Simplicity personal credit card to pay business expenses. The card also has no annual fees, no late fees, and no penalty APR.
Citi Simplicity Costs
The costs of Citi Simplicity card include:
- Introductory APR: 0% for 18 months for purchases and balance transfers
- Ongoing APR: 15.49% – 25.49%
- Annual Fee: None
- Foreign Transaction Fees: 3%
Citi Simplicity Rewards
The Citi Simplicity card does not offer a rewards program. However, in addition to the 18-month 0% APR introductory period, the card also offers liability protection for unauthorized purchases, identity theft protection, early fraud warning, and 24/7 personal assistance.
Introductory Rewards
This card doesn’t offer an introductory reward.
Ongoing Rewards
There are no ongoing rewards for the Citi Simplicity card besides card holder benefits.
To learn about other personal credit cards that can be used to cover business expenses, be sure to check out our article on the Best Personal Credit Cards for Small Business Owners.
What’s Missing
The Citi Simplicity card is not a business credit card. It’s a personal card that can be used to cover business expenses, but it requires business owners to incur personal liability for any expenses. It will also do nothing to help develop business credit.
Where to Get the Citi Simplicity Card
The Citi Simplicity card can be applied for online directly on Citi’s website. It’s one of the easier zero percent 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 15 months. Zero percent business credit cards typically offer 0% interest on purchases and balance transfers before switching to an ongoing APR rate. These 0% APR business credit cards will also offer cash back or rewards points.
The American Express Blue Business Plus card is our recommended 0% APR business credit card. The card offers 0% interest for the first 15 months and ongoing APR rates between 12.24% and 20.24%. The card also has a 15-month 0% balance transfer introductory period.
Submit Your Comment
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.
You must be logged in to comment. Click the "Log in With LinkedIn" button below to connect instantly and comment.