6 Best 0% APR Business Credit Cards
This article is part of a larger series onBest Small Business Credit Cards.
Editor’s note:This is a recurring post with regularly updated card details.
When you’re searching for a business credit card with a 0% APR, we recommend considering if you want to save money on everyday purchases, finance large purchases interest-free, transfer a high balance from another card, or earn rewards. Introductory 0% offers generally don’t last long, so to maximize the card’s benefits, it’s good to know what you want to use it for ahead of time.
We’ve evaluated and selected the best 0% APR business credit cards to help you make your decision:
- U.S. Bank Business Platinum:Best overall 0% APR business credit card
- U.S. Bank Triple Cash Rewards World Elite Mastercard®:Best for 0% APR for 15 billing cycles plus rewards
- Wells Fargo Business Platinum:Best for lowest starting APR
- American Express Blue Business CashTM:Best for cash rewards
- Chase Ink Business Unlimited®:Best for easy unlimited rewards
- Discover it® Cash Back:Best personal card with 0% APR for 14 billing cycles
Do you want to compare the features of one card to another? We’ve made it easy for you to do that. Check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
U.S. Bank Business Platinum: Best Overall 0% APR Business Credit Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials:SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection:U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan:This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity:Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials:SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection:U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan:This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity:Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Why we like it:TheU.S. Bank Business Platinumis our choice for the best overall card thanks to its introductory offer of 0% APR for both purchases and balance transfers for the first 20 billing cycles. If you have any large business purchases to make, such as equipment, computers, or office furniture, or if you have high debt on other cards, this card allows you to pay down your balance over the course of nearly two years.
Even though there are no rewards, there’s also no annual fee, and it has a very low starting APR of 16.99% when the introductory rate ends. It’s also our pick for thebest overall business credit card for balance transfers.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% APR for 15 Billing Cycles Plus Rewards
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Why we like it:There’s a wealth of benefits with theU.S. Bank Triple Cash Rewards World EliteMastercard®. Start with 0% APR for the first 15 billing cycles for both purchases and balance transfers. Then save on everyday expenses such as 3% cash back at eligible gas stations, restaurants, mobile phone/service providers, and office supply stores. You also get 1% cash back on all other eligible purchases.
Finally, earn $500 cash back after spending $4,500 in the first 150 days of card ownership. There’s no annual fee, and rewards never expire. It’s also on our list of thebest fuel cards for small businesses.
Wells Fargo Business Platinum: Best for Lowest Starting APR
Wells Fargo Business Platinum Credit Card
BEST FOR:
Those with a Wells Fargo checking or savings account that has been open for at least one year
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- 网上支出报告
- Online banking and bill payment options
Pros
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services:Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection:Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards:You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring:Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- 网上支出报告
- Online banking and bill payment options
Pros
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services:Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection:Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards:You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring:Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
Why we like it:When the 0% introductory rate for both purchases and balance transfers ends after nine months, the lowest starting APR for theWells Fargo Business Platinumcard is just 11.24% with no annual fee. You can also choose how you want to receive rewards—cash or points. Earn 1.5% cash back on all qualifying purchases or 1 point for every $1 spent.
Receive 1,000 bonus points every billing cycle where you spend at least $1,000. Plus, earn $300 or 3,000 bonus points after spending $3,000 in the first three months of card ownership. Be sure to use your points because they expire every November after three years.
American Express Blue Business CashTM: Best for Cash Rewards
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power:Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance:As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power:Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance:As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Why we like it:TheAmerican Express Blue Business CashTMcard gives you 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
While saving money with a 0% introductory APR for 12 months on all purchases, you can also earn a $250 statement credit after spending $3,000 in the first three months of card ownership. If you’re looking for a cash back card that includes a 0% APR for balance transfers, consider theDiscover it® Cash Backpersonal credit card.
Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards
Why we like it:In addition to a 12-month 0% introductory APR on all purchases, theChase Ink Business Unlimitedcard offers cash back at a fixed rate of 1.5% for every $1 spent on any business purchase. There are no limits to the amount of cash back you can earn, and there’s no annual fee.
As a welcome offer, you’ll receive $750 back after spending $6,000 in the first three months of card ownership. This card’s simplicity and ease of use, with no spend categories, makes it our choice for thebest overall small business credit card.
Discover it® Cash Back: Best Personal Card with 0% APR for 14 Billing Cycles
Discover it® Cash Back
BEST FOR:
Those who want double the cash back on your first year
- 5%的现金返还旋转类别每夸脱er. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
- 1% cash back on all other purchases
Pros
- Premium rewards on rotating bonus categories
- Double your cash back for the first year
- With 0% introductory APR on purchases and balance transfers
Cons
- Bonus rewards are capped at $1,500
- Bonus rewards need to be activated every quarter
- Listed spending categories can be limiting to cardholders
- Freeze it®:You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
- $0 fraud liability guarantee:Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
- Free FICO® credit score:Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
- Discover® identity alerts:You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of Dark Web sites and if your Social Security number is found on those sites.
- 5%的现金返还旋转类别每夸脱er. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
- 1% cash back on all other purchases
Pros
- Premium rewards on rotating bonus categories
- Double your cash back for the first year
- With 0% introductory APR on purchases and balance transfers
Cons
- Bonus rewards are capped at $1,500
- Bonus rewards need to be activated every quarter
- Listed spending categories can be limiting to cardholders
- Freeze it®:You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
- $0 fraud liability guarantee:Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
- Free FICO® credit score:Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
- Discover® identity alerts:You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of Dark Web sites and if your Social Security number is found on those sites.
Why we like it:Although theDiscover it® Cash Backcard is a personal credit card, you can still benefit from its extended 0% APR for 14 months for both purchases and balance transfers and pay no annual fee. At the end of your first year of card ownership, Discover® will pay you an unlimited cash back match of all the rewards you earned throughout the year.
In addition, you’ll get 5% cash back from selected purchases and 1% on all other purchases. To benefit the most from this card, it’s best to separate your business and personal purchases from the start for an easier tax season.
How We Evaluated the Best 0% APR Business Credit Cards
我们考虑术语的年利率0%period, whether balance transfers were included as part of the introductory offer, rewards, and fees. We also considered the ways each card provided any additional discounts or benefits.
Bottom Line
Since 0% offers are temporary, you may want to consider making your biggest purchases soon after you’ve received your card so you can benefit from both the 0% APR and any introductory bonuses. If you plan to use the card for a balance transfer, be sure to read the fine print to find the balance transfer fee, which typically ranges from 3% to 5% of the amount being transferred.