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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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    4.5

    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
    BONUS $250
    BASE EARN 1%
    MAX EARN 5%
    • Limited Time Offer: You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership.
    • To be eligible for this offer, you must be approved by April 28, 2014.
    • With no annual membership fee, it’s a smart choice for your business.
    • 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.
    • 1% on other purchases.
    • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

     
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    4.5

    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 in the first 3 months from account opening.
    • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
    • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
    • 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® Miles Select for Business

    capital one business miles credit card
    • 0% PURCHASES until October 2014
    • 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.
    • 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.

     
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    5

    Capital One® Spark® Cash Select for Business

    capital one business cash credit card
    • 0% PURCHASES until October 2014
    • 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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    3.5

    Capital One® Spark® Select for Business

    spark credit card
    • 0% PURCHASES until January 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, merchandise, gift cards, cash and more.

     
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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.

     
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    1.5

    CitiBusiness ThankYou® Card

    Citi Business Credit Card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.24% (V)
    ANNUAL FEE $0*
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 3 points / $1
    • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards.
    • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.*
    • Points do not expire and there is no cap to the ThankYou points you can earn.
    • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards.

     
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    3.5

    U.S. Bank Business Platinum Visa® Card

    visa business platinum credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 9.99% - 17.99% (V)
    ANNUAL FEE $0 with one purchase per yr, otherwise $25 after 1st yr*
    REWARDS None
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    4

    US Bank FlexPerks Business Travel Rewards Visa® Credit Card - 20,000 Bonus FlexPoints

    flexperks business credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 11.99% - 17.99% (V)
    ANNUAL FEE $0 with $24,000 in purchases per year, otherwise $55 after 1st yr*
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months.
    • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees.
    • Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
    • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses.
    • Earn Triple FlexPoints for your charitable donations.
    • Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.
    • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel or many other rewards.
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.

     
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    4

    US Bank FlexPerks Cash Rewards Visa® Business Credit Card

    us bank cash business credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 11.99% - 17.99% (V)
    ANNUAL FEE $0 with one purchase per yr, otherwise $25 after 1st yr*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases.
    • No cap on the cash rewards you can earn and they never expire.
    • 25% annual bonus of your prior year's cash rewards up to $250.

     
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