Plenty of business cards offer generous introductory APRs on new purchases, offering increased payment flexibility for small business owners. Here are some of our favorites.
The Bank of America content was last updated on April 1, 2022.
Choosing a credit card with a 0% introductory APR can be a great move for a small business or even a startup. You can pay off large purchases over time without worrying about accruing interest – allowing you to truly invest in your business.
If you have a large business purchase looming ahead that you want to finance, there are plenty of great small-business credit cards that offer 0% interest on new purchases for the first few months of card ownership.
As always, your interest rate at the end of the 0% introductory rate period will depend heavily on your business credit profile, so it’s important to pick a card that serves you well during and after the intro period ends. Read on to see our pick of the best 0% APR business credit cards on the market.
Chase Ink Business Cash Credit Card: Best for office supplies
Why we picked it: The Ink Business Cash® Credit Card offers one of the longest introductory periods available on the market – 0% APR for the first 12 months on purchases (13.49% to 19.49% variable APR thereafter). Plus, it comes with a competitive earning rate that makes it a particularly good choice for small-business owners who need to stock up on office supplies.
The Ink Business Cash card offers plenty of potential value for cardholders with a 5% cash back on internet; cable, phone services and office supplies; and 2% cash back on gas and dining.
- No annual fee
- Variety of ways to redeem cash back, such as statement credits, Amazon purchases, direct deposits and more
- Works great alongside other Chase Ultimate Rewards cards
- $750 bonus if you spend $7,500 in three months
- 5% and 2% bonus categories respectively have an annual $25,000 spend limit
- Low cash back rate on general purchases
Who should apply: If you spend a lot of money on office supplies or frequently charge client dinners to your card, you’ll be pleased with all the cash back the Ink Business Cash credit card racks up.
Who should skip: Cardholders who definitely spend more than $25,000 in the card’s bonus categories should look at other cards. Those who tend not to spend on office supplies, internet or dining should also avoid this card.
American Express Blue Business Cash Card: Best flat-rate cash back card
Why we picked it: The American Express Blue Business Cash™ Card offers an intro APR of 0% on new purchases for the first 12 months of account opening (13.99% to 21.99% variable APR thereafter). Unlike the Ink Business Cash, it offers the same 2% cash back on all purchases, on up to $50,000 per calendar year (1% thereafter). It also comes with a welcome offer of a $250 statement credit if you spend $3,000 in the first three months.
- Travel insurances like baggage insurance, travel accident insurance, etc.
- Business perks like expense tracking tools and Working Capital Terms
- Free corporate cards
- Flexible credit limit
- 2% cash back capped at $50,000 in purchases per year
- Relatively small welcome bonus
- Can redeem cash back only as statement credit
Who should apply: If you have a wide variety of purchases to make for your business, this flat-rate card might give you more rewards than a bonus category card.
Who should skip: Business owners that easily spend more than $50,000 should find a card with no spending limit. If you also prefer to redeem your rewards as something other than statement credit (travel, merchandise, gift cards, etc.) you should consider another card.
Chase Ink Business Unlimited Credit Card: Best card with no spending cap
Why we picked it: In fact, look no further for a business card with no spending cap than the Ink Business Unlimited® Credit Card, which offers the same 12 months interest-free for new purchases (13.49% to 19.49% variable APR thereafter) as the Ink Business Cash. But unlike the Ink Business Cash, the Ink Business Unlimited offers the same flat rate of 1.5% cash back on all purchases.
Though slightly lower than the Amex Blue Business Cash, this earning rate is still great for cardholders who don’t weigh their spending heavily to one particular category. For a business credit card with no annual fee, it’s a pretty generous earning scheme. Plus, like we previously mentioned, there are no caps on what you can earn.
- $750 bonus after you spend $7,500 in three months
- Rewards don’t expire, has no limits and has no blackout dates
- May transfer points to other Chase Ultimate Rewards cards
- Minimum 2,000 points required for redemption
- Lacks perks like travel insurance or access to business tools
Who should apply: If you spend significantly more than $50,000 per year on your business, the ongoing flat rate of 1.5% might make more sense for you.
Who should skip: Cardholders for whom a spending cap is not a problem, and who would like to earn more rewards per dollar on their purchases.
The Blue Business Plus Credit Card from American Express: Best for travel points
Why we picked it: If points are more your speed than cash back, The Blue Business® Plus Credit Card from American Express offers the same generous rewards rate as the Blue Business Cash – with one key difference. Rather than cash back, Amex Blue Business Plus cardholders earn 2 Membership Rewards points per dollar on the first $50,000 in spending each year and 1 point per dollar on all purchases thereafter.
Plus, the Blue Business Plus card offers the same lengthy introductory interest rate on new purchases – making it a top-notch card for financing large purchases in the first year (after that, it’s 13.99% to 21.99% variable).
- You’ll earn Membership Rewards points, valued at an average of 1.19 cents per point
- Offers many different redemption options
- Points don’t expire
- May transfer points to Amex travel partners
- $50,000 spending cap
- Fees charged for transferring points or booking airfare with American Express Travel
Who should apply: Cardholders who’s businesses require them, and their employees, to travel a lot. It’s also great for existing American Express enthusiasts.
Who should skip: If you prefer cash back rewards or most of your business expenses go toward your office or storefront, this card probably isn’t for you.
Business Advantage Customized Cash Rewards Mastercard credit card: Best for flexibility
Why we picked it: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card* is great for those of you who spend mostly on office supplies and gas, but not year-round. With 3% cash back on a category of your choice (gas, office supplies, travel, TV/telecom and wireless, computer service and business consulting services) and 2% cash back on dining, this card provides great rewards on some of the most popular categories for small businesses.
And it comes with a 0% intro APR on new purchases for nine billing cycles, with a 12.49% to 22.49% variable APR thereafter. That, plus its $300 statement credit if you spend $3,000 in the first 90 days, makes the Bank of America Business Advantage card quite a deal, particularly since it charges no annual fee.
- Flexible 3% bonus category – can change up to once per calendar month
- No expiration on cash back as long account stays open
- Ability to earn up to 75% more cash back with Preferred Rewards
- $50,000 annual cap on 2% and 3% categories
- Cash back redeemable only as check, statement credit or cash deposit into a Bank of America account
Who should apply: Cardholders who already have a bank account with Bank of America will get great value if they qualify for a Preferred Rewards tier.
Who should skip: If you spend widely across various categories, a flat-rate card may suit you better.
Comparing the best 0% APR business credit cards
It can be difficult to choose between all the different cards, especially since they all seem so great. Check out the chart below to see how they compete side by side.
|Card||0% intro APR period (new purchases)||Rewards||Regular APR|
|Ink Business Cash® Credit Card||12 months||13.49%-19.49% variable|
|American Express Blue Business Cash™ Card||12 months||13.99%-21.99% variable|
|Ink Business Unlimited® Credit Card||12 months||1.5% cash back on every purchase||13.49%-19.49% variable|
|The Blue Business® Plus Credit Card from American Express||12 months||13.99%-21.99% variable|
|Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card||9 billing cycles||12.49%-22.49% variable|
How to choose a 0% APR business credit card
Clearly, a 0% interest rate appeals to small-business owners, especially if you anticipate a large purchase like a refrigerator or an industrial printer or 10,000 t-shirts. However, you should also ensure that the rewards rate on the card closely matches your spending habits. This will boost your ability to eke plenty of value out of the cards even after the intro APR ends. Make sure you check the following before signing on the dotted line:
- Rewards structure: Which sounds better, bonus categories or flat rate? This could very well depend on the nature of your business. If all of your spending is focused on just a few categories, a bonus category business card may be better. For businesses that spend widely on various categories, a flat-rate card would do well.
- Cash back or points: More incoming cash is always a good thing for any small business. However, if your business requires a ton of travel, points (or miles) may suit your purposes better.
- Spending cap: Again – a spending cap could really reduce the value your business card brings. Business owners who know they spend more than $50,000 should steer clear of cards with spending caps to fully enjoy the benefits of their business card.
- Extra perks: Does your business need a connection to QuickBooks, roadside assistance or free employee cards? Business credit cards often offer helpful benefits to oil the gears and aid your business in running smoothly, so be sure to choose a card with the perks you need.
Business credit cards with 0% intro APR are a valuable resource, as they can improve your cash flow while enabling you to rack up rewards on all of your business purchases, rather than using a personal credit card. By choosing a card with a 0% introductory APR, you can pay off large purchases or debt over time without incurring interest – saving yourself money to reinvest in your business.
Furthermore, business credit cards with 0% APR periods can help you build business credit without interest charges like you would have on other business credit cards.
*All information about the Bank of America Business Advantage Customized Cash Rewards Mastercard credit card has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.