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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

    4 527 reviews

    Ink Cash® Business Credit Card


    chase ink cash
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 5% (min $5) Transfer Fee
    • Regular APR 13.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $200
    • Minimum Credit Excellent
    • Rewards Details
    • 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 cellularphone, 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
    • Employee cards at no additional cost
    • No Annual Fee
    • See More Details & Reviews About The Ink Cash® Business Credit Card
    4 386 reviews

    Capital One® Spark® Cash Select for Business


    capital one spark cash select
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 21.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $200
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on every purchase, every day
    • Plus, a one-time $200 cash 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 for 9 months; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See More Details & Reviews About The Capital One® Spark® Cash Select for Business
    3.5 80 reviews

    U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®


    us bank business edge cash rewards card
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 18.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus $150
    • Minimum Credit Excellent
    • Rewards Details
    • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on total rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250
    • Net purchases are purchases minus credits and returns
    • Additional Info
    • *No annual fee
    • See More Details & Reviews About The U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
    4 218 reviews

    Capital One® Spark® Miles Select for Business


    spark miles select
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 21.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 20,000 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 for 9 months; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See More Details & Reviews About The Capital One® Spark® Miles Select for Business
    4 210 reviews

    The Blue for Business® Credit Card from American Express


    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 11.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 20,000 points
    • Minimum Credit Good
    • Rewards Details
    • Special Offer: get up to 20,000 Membership Rewards® points
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
    • Plus, for a limited time: get an additional 10,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by 07/29/2016
    • Plus, get 30% more points on purchases with an annual points bonus
    • Terms & Restrictions Apply
    • Additional Info
    • Get a low introductory APR on purchases for 9 months
    • No Annual Fee
    • See More Details & Reviews About The The Blue for Business® Credit Card from American Express
    4 273 reviews

    SimplyCash® Plus Business Credit Card from American Express


    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $250
    • Minimum Credit Good
    • Rewards Details
    • Limited Time Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by August 3, 2016
    • No Annual Fee. Plus, more buying power and more cash back
    • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores
    • 3% on the category of your choice from a list of eight and 1% cash back on other purchases
    • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement
    • Terms and limitations apply
    • Additional Info
    • See More Details & Reviews About The SimplyCash® Plus Business Credit Card from American Express
    3.5 113 reviews

    U.S. Bank Business Edge™ Platinum Card


    business edge platinum credit card
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 3% Transfer Fee
    • Regular APR 10.24% - 18.24% (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
    • Free employee cards
    • Zero fraud liability* protects you against unauthorized transactions
    • *No annual fee
    • 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 More Details & Reviews About The U.S. Bank Business Edge™ Platinum Card
    3 84 reviews

    U.S. Bank Business Edge™ Select Rewards Card


    us bank business edge select rewards credit card
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 18.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent
    • Rewards Details
    • Earn 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
    • No cap on total points you can earn
    • Net purchases are purchases minus credits and returns
    • Additional Info
    • *No annual fee
    • See More Details & Reviews About The U.S. Bank Business Edge™ Select Rewards Card
    3 90 reviews

    BuyPower Business Card from Capital One® -Get The Card That Helps You Get The Car


    gm business credit card
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 13.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle
    • No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 13.49% after that
    • Additional Info
    • See More Details & Reviews About The BuyPower Business Card from Capital One® -Get The Card That Helps You Get The Car
    4 141 reviews

    Costco Anywhere Visa® Business Card by Citi


    costco business credit card
    • Purchase Intro APR 0% for 7 months
    • Transfer Intro APR Not Offered
    • Regular APR 15.49% (V)
    • Annual Fee $0
    • Rewards Rate 1 - 4% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • Additional Info
    • See More Details & Reviews About The Costco Anywhere Visa® Business Card by Citi
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

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