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0% Business Credit Cards

0 Business Credit Cards

If you are 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 (0% balance transfer business credit cards are listed separately), thereby providing you more time in which to pay for your inventory before interest sets in. 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 intro period of a 0% business credit card, however, it’s important to note two things: 1) you will be held personally liable for the debt that you incur and 2) issuers aren’t legally prohibited from applying unexpected interest rate increases to existing debt, as is the case with general-consumer credit cards. As a result, you should not only use a payoff calculator before opening a 0% interest credit card in order to see how long it will take you to pay down your balance, but also check out general-consumer 0 APR credit cards. These cards will probably have lower credit lines but better overall interest rate terms than their business counterparts.

Customize your search for a Business Credit Card with 0% APR

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    4

    Ink Cash® Business Card

    ink cash business credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 13.24% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $200
    BASE EARN 1%
    MAX EARN 5%
    • 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.

     
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    4.5

    Capital One® Spark® Cash Select for Business

    capital one business cash credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.9% - 20.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • 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.

     
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    3

    U.S. Bank Business Edge™ Cash Rewards Card

    business edge cash rewards card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 11.99% - 17.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250

     
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    4.5

    Capital One® Spark® Miles Select for Business

    capital one business miles credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.9% - 20.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.5 miles / $1
    MAX EARN 1.5 miles / $1
    • 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
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.
    • There’s no limit to the amount of miles you can earn and miles don’t expire

     
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    4.5

    The Blue for Business® Credit Card from American Express

    blue business credit card
    • 0% PURCHASES 9 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.24% - 19.24% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 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.

     
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    4

    SimplyCash® Business Card from American Express

    american express cash business credit card
    • 0% PURCHASES 9 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.24% - 19.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BASE EARN 1%
    MAX EARN 5%
    • 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%
    • 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 February 24, 2015
    • Terms and limitations apply.

     
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    5

    U.S. Bank Business Edge™ Platinum Card

    business edge platinum credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 9.99% - 17.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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    3.5

    Capital One® Spark® Select for Business

    spark credit card
    • 0% PURCHASES until August 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BONUS None
    BASE EARN 1 mile / $1
    MAX EARN 1 mile / $1
    • 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

     
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    3

    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 $0*
    REWARDS Points
    BASE EARN 1 point/$
    MAX EARN 3 points/$1
    • 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

     
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    3

    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 Points
    BASE EARN 2 points / $1
    MAX EARN 2 points / $1
    • 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.

     
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