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Best business credit cards with a 0 percent intro APR

Save on large business purchases by paying them off over time interest-free

Summary

Plenty of business cards offer generous introductory APRs on new purchases, balance transfers or both. Here are some of our favorites.

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Choosing a card with an introductory APR can be a great move for a small business. 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 – or if you need to pay off some debt from previous purchases – there are plenty of great small business credit cards that offer 0 percent interest on new purchases, balance transfers or both for the first few months of card ownership.

Read on to learn about some of the best business credit cards with an intro APR.

Best intro APR business card for new purchases: Chase Ink Business Cash℠ Credit Card

The Ink Business Cash Credit Card offers one of the longest introductory periods available on the market – 0 percent for the first 12 months (15.24 percent to 21.24 percent variable APR thereafter). This rate only applies to new purchases – not balance transfers – so it is a good pick for small business owners who aren’t already carrying a balance on another card.

Chase Ink Business Cash℠ Credit Card
Ink Business Cash

Why should you get this card?

If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.

Read full review

Other things to know:

  • 5% cash back on internet, cable and phone services and at office supply stores (on up to $25,000 in purchases per year)
  • 2% cash back on gas and dining (on up to $25,000 in purchases per year)
  • 1% cash back on other purchases
  • $500 if you spend $3,000 in first 3 months
  • No fee for employee cards
  • Mobile wallet app to track receipts

Beyond a competitive intro APR, the Ink Business Cash card offers plenty of potential value for cardholders with a competitive rate of cash back on internet, cable and phone services, office supplies, gas and dining purchases. If you spend a lot of money on office supplies or you frequently charge client dinners to your business card, you can rack up plenty of rewards with the Ink card.

Alternate choice: Chase Ink Business Unlimited℠ Credit Card

Another popular Chase small business credit card, the Ink Business Unlimited℠ Credit Card offers the same 12 months interest-free for new purchases (15.24 percent to 21.24 percent variable APR thereafter) as the Ink Business Cash. But unlike the Ink Business Cash card, the Ink Business Unlimited offers the same flat rate of cash back on all purchases – 1.5 percent.

For cardholders who don’t weigh their spending heavily to one particular category, this is a pretty good rate of cash back for a card with no annual fee. Plus, there are no caps on what you can earn, so you can bring in plenty of cash back on the large purchases you finance with the competitive introductory interest rate.

Best intro APR business card for new purchases and balance transfers: American Express® Blue Business Cash Card

If you are carrying a balance on another card and looking for a way to pay it down and save on interest, the recently revamped American Express® Blue Business Cash Card offers an intro APR of 0 percent on both new purchases and balance transfers for the first 12 months of card ownership (14.99 percent to 20.99 percent variable APR thereafter). Just keep in mind that if you do transfer a balance, you’ll be charged a fee of $5 or 3 percent, whichever is greater.

American Express® Blue Business Cash Card
Blue Business Cash

Why should you get this card?

The new American Express Blue Business Cash Card comes with a major selling point: 2 percent cash back on your first $50,000 of purchases each year for no annual fee.

Read full review

Other things to know:

  • 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back
  • Eligibility to enroll in American Express Working Capital Terms
  • Free employee cards
  • Business expense-tracking tools

On the bright side, the Blue Business Cash card also offers one of the best cash back rates on a card with no annual fee. Cardholders earn a whopping 2 percent cash back on the first $50,000 in purchases every year – with no category restrictions. If you meet the $50,000 cap, you’ll still earn 1 percent on all your purchases.

Alternate choice: The Blue Business® Plus Credit Card from American Express

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, 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.

For frequent travelers, the ability to earn Membership Rewards points at such a high rate is very valuable. With an extensive list of travel partners to choose from, we value Membership Rewards points at an average of 1.19 cents per point. If you redeem your rewards strategically, you can stretch them a long way.

Plus, the Blue Business Plus card offers the same lengthy introductory interest rate on both new purchases and balance transfers – making it a top-notch card for financing large purchases in the first year.

Other intro APR business cards

While a 0-percent interest rate is a compelling reason to choose a business rewards card, 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.

If none of these Chase or American Express cards seem right for your spending, Capital One also offers two cards with introductory APRs. Both the Capital One® Spark® Cash Select for Business and the Capital One® Spark® Miles Select for Business offer a 0 percent APR on new purchases for the first nine months (14.74 percent to 22.74 percent variable APR thereafter).

Though this introductory period is shorter than those on competing business cards, it might be worth taking a shorter offer if one of these card’s rewards better suits your spending.

Bottom line

Business credit cards are a valuable resource, as they can improve your cash flow while allowing users to rack up rewards on all their business purchases. By choosing a card with an introductory APR, you can pay off large purchases or debt over time without racking up interest – saving yourself money to reinvest in your business.

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Credit Card Rate Report Updated: October 16th, 2019
Business
15.18%
Airline
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Cash Back
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Reward
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Student
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