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0% APR Business Credit Cards

If you’re using a credit card to fund your small business, it’s important to get a 0% business credit card in order to minimize the cost of your debt. Each of the cards listed below offers a 0% APR introductory period for purchases, thereby providing you more time in which to pay for your inventory before interest sets in. 0% balance transfer business credit cards are listed separately.

While the length of these zero percent offers fluctuates regularly, you should be able to find one that gives you at least six months without interest.
Before revolving a balance past the…show more

    Ink Cash® Business Credit Card


    chase ink cash
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% (min $5) Transfer Fee
    • Regular Rate 13.24% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $200
    • Minimum Credit Excellent
    • Rewards Details
    • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
    • Earn $200 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 cellular phone, landline, internet and cable TV 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
    • Additional Info
    • 0% introductory APR for 12 months on purchases and balance transfers
    • Free employee cards
    • No Annual Fee
    • See All Reviews & Details About The Ink Cash® Business Credit Card

    Capital One® Spark® Cash Select for Business


    capital one spark cash select
    • 0% Purchases until October 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on every purchase, every day.
    • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.
    • Additional Info
    • Save on interest with 0% intro APR on purchases until October 2015; 12.9%-20.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries.
    • See All Reviews & Details About The Capital One® Spark® Cash Select for Business

    U.S. Bank Business Edge™ Cash Rewards Card


    business edge cash rewards card
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.99% - 17.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent

    Capital One® Spark® Miles Select for Business


    spark miles select
    • 0% Purchases until October 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5 miles / $1
    • Rewards Bonus 10,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5 miles per dollar on every purchase, every day.
    • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months.
    • Miles don’t expire, and there are no categories to limit where or what you buy
    • There’s no limit to the amount of miles you can earn and miles don’t expire.
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.
    • Additional Info
    • Save on interest with 0% intro APR on purchases until October 2015; 12.9%-20.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries.
    • See All Reviews & Details About The Capital One® Spark® Miles Select for Business

    The Blue for Business® Credit Card from American Express


    amex blue business
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.24% - 19.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn a 30% annual Relationship Bonus – without an annual membership fee
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership – valued at up to $100 in gift cards at select merchants
    • Use points to reinvest in your business and reward your employees and clients.
    • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
    • Terms & Restrictions Apply.
    • Additional Info
    • No annual fee for each additional Employee Blue for Business® Credit Card
    • Get a low introductory APR on purchases for 9 months.
    • See All Reviews & Details About The The Blue for Business® Credit Card from American Express

    SimplyCash® Business Card from American Express


    american express simplycash
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 12.24% - 19.24% (V)
    • Annual Fee $0
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $250 statement credit
    • Minimum Credit Good
    • Rewards Details
    • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by June 23, 2015
    • With no annual membership fee, it’s a smart choice for your business
    • Reinvest in your business with automatic cash back
    • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
    • 3% on the category of your choice and 1% on other purchases
    • On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
    • Terms and limitations apply.
    • Additional Info
    • See All Reviews & Details About The SimplyCash® Business Card from American Express

    U.S. Bank Business Edge™ Platinum Card


    business edge platinum credit card
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 9.99% - 17.99% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
    • No annual fee
    • Free employee cards
    • Zero fraud liability protects you against unauthorized transactions
    • The card is only available to residents in: 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
    • See All Reviews & Details About The U.S. Bank Business Edge™ Platinum Card

    Capital One® Spark® Select for Business


    capital one spark select
    • 0% Purchases until January 2016
    • 0% Transfers Not Offered
    • Regular Rate 10.9% - 18.9% (V)
    • Annual Fee None
    • Rewards Rate 1 mile / $1
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn 1 mile per dollar on all purchases and there’s no limit to the amount of miles you can earn.
    • Miles don’t expire and can be redeemed for travel, cash back, gift cards and more
    • Additional Info
    • Save on interest with our lowest intro APR on all purchases until January 2016; 10.9% - 18.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Build business credit with responsible use.
    • Fraud Coverage if your card is ever lost or stolen.
    • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer services
    • See All Reviews & Details About The Capital One® Spark® Select for Business

    U.S. Bank Business Edge™ Select Rewards Card


    us bank business edge select rewards credit card
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.99% - 17.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 3 points/$1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Get 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
    • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
    • Earn 1 point per dollar on all other net purchases
    • Unlimited points with no caps
    • Additional Info
    • No annual fee
    • See All Reviews & Details About The U.S. Bank Business Edge™ Select Rewards Card

    Citizens Bank Everyday Points® Business MasterCard® Credit Card


    citizens bank everyday points business mastercard
    • 0% Purchases 6 months
    • 0% Transfers Not Offered
    • Regular Rate N/A
    • Annual Fee None
    • Rewards Rate 2 points / $1
    • Rewards Bonus 3,500 points
    • Minimum Credit Excellent
    • Rewards Details
    • You will receive 3,500 bonus points with your first purchase.
    • Earn 2 points for every $1 you spend on business purchases.
    • Redeem points for valuable rewards like cash back, travel, merchandise, gift cards and much more.
    • Additional Info
    • Convenient tools, such as online account management and consolidated statements to help you control expenses.
    • Benefits like The Business Assistant, MasterCard Easy Savings Program, Travel Assistance and Purchase Security & Protection.
    • Free employee cards.
    • See All Reviews & Details About The Citizens Bank Everyday Points® Business MasterCard® Credit Card
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    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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