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December 9, 2021
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With a consumer credit card, it’s possible to get a no-interest period of almost two years long. Small business credit cards, on the other hand, don’t generally offer introductory APR periods as long as you’ll see on consumer cards. We’ve rounded up some of the best 0% intro APR business credit cards on the market — two offer intro APR periods on both purchases and balance transfers, while the rest offer an intro APR period for purchases only.
If you know your business is going to have to make a big purchase, or if you’d like to transfer debt from a high-interest credit card you already have, applying for a card offering 0% intro APR can be a smart way to get some breathing room. In this period, the entirety of your payments will go toward the principal of your debt, instead of the principal plus interest charges.
Enjoy a 0% Intro APR for 15 billing cycles on purchases with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. After the intro period, a 16.24% - 25.24% (variable) APR applies.
There’s also well over a year to pay off a transferred balance without accruing interest. You’ll get a 0% Intro on balance transfers for 15 billing cycles, after which a 16.24% - 25.24% (variable) APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.
You’ve also got the opportunity to earn a valuable sign-up bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
On top of that, the rewards program offers ongoing value for spending in popular categories. Cardholders 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 Travel Rewards Center. No limit on total cash back earned.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has a $0 annual fee, though it does charge a 3% foreign transaction fee — so be sure to take a different card with you if business takes you abroad.
Whether you need to make a big purchase or transfer a balance, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is our top pick. It offers more than a year of an intro APR, a valuable sign-up bonus and a rewards program that makes the card valuable even after the intro period ends. Just know that you won’t be able to transfer a balance from one U.S. Bank credit card to another.
If you think you’ll need a few more months to pay off your purchase or balance transfer than this card offers, consider the U.S. Bank Business Platinum Card instead, which we’ll examine below.
Enjoy a 0% Intro APR for 15 billing cycles on purchases with the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. After the intro period, a 16.24% - 25.24% (variable) APR applies.
There’s also well over a year to pay off a transferred balance without accruing interest. You’ll get a 0% Intro on balance transfers for 15 billing cycles, after which a 16.24% - 25.24% (variable) APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.
You’ve also got the opportunity to earn a valuable sign-up bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
On top of that, the rewards program offers ongoing value for spending in popular categories. Cardholders 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 Travel Rewards Center. No limit on total cash back earned.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has a $0 annual fee, though it does charge a 3% foreign transaction fee — so be sure to take a different card with you if business takes you abroad.
Whether you need to make a big purchase or transfer a balance, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is our top pick. It offers more than a year of an intro APR, a valuable sign-up bonus and a rewards program that makes the card valuable even after the intro period ends. Just know that you won’t be able to transfer a balance from one U.S. Bank credit card to another.
If you think you’ll need a few more months to pay off your purchase or balance transfer than this card offers, consider the U.S. Bank Business Platinum Card instead, which we’ll examine below.
With the U.S. Bank Business Platinum Card, you’ll get a lengthy 0% intro APR on purchases for 20 billing cycles. After, a 14.24% - 23.24% (variable) APR applies. There’s also a long 0% intro APR on balance transfers for 20 billing cycles. A 14.24% - 23.24% (Variable) APR applies after the intro period ends.
You’ll pay a balance transfer fee of Either 3% of the amount of each transfer or $5 minimum, whichever is greater, and there’s also a 3% on each foreign transaction foreign transaction fee. Finally, the annual fee is $0.
Simply put, the U.S. Bank Business Platinum Card is ideal for business owners who need a long time to pay off a purchase or debt transferred from another credit card. It doesn’t offer a sign-up bonus or a rewards program, however — still, if you need an exceptionally long no-interest period, this is probably the best business card on the market for that purpose.
With the U.S. Bank Business Platinum Card, you’ll get a lengthy 0% intro APR on purchases for 20 billing cycles. After, a 14.24% - 23.24% (variable) APR applies. There’s also a long 0% intro APR on balance transfers for 20 billing cycles. A 14.24% - 23.24% (Variable) APR applies after the intro period ends.
You’ll pay a balance transfer fee of Either 3% of the amount of each transfer or $5 minimum, whichever is greater, and there’s also a 3% on each foreign transaction foreign transaction fee. Finally, the annual fee is $0.
Simply put, the U.S. Bank Business Platinum Card is ideal for business owners who need a long time to pay off a purchase or debt transferred from another credit card. It doesn’t offer a sign-up bonus or a rewards program, however — still, if you need an exceptionally long no-interest period, this is probably the best business card on the market for that purpose.
The Ink Business Cash® Credit Card offers a 0% Intro APR on Purchases for 12 months, after which a 14.74% - 20.74% variable APR applies. Plus, earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
There’s also a cashback program for common business spending: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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. That’s $1,750 in cash back if you hit the max for these elevated rates.
With a foreign transaction fee of 3% of each transaction in U.S. dollars, this isn’t the best card to take on business travel abroad. But at least you don’t have to pay to carry it, thanks to the $0 annual fee.
If you’re planning a big purchase for your business and think you’ll be able to meet the Ink Business Cash® Credit Card‘s spending requirement, getting this card will allow you to enjoy a year of intro APR while also earning a valuable sign-up bonus. Do be aware of the unwritten Chase 5/24 rule, however. If you’ve been approved for five or more personal credit cards (or business credit cards that report to your personal credit) within the past 24 months, Chase will deny you for any of its cards.
The Ink Business Cash® Credit Card offers a 0% Intro APR on Purchases for 12 months, after which a 14.74% - 20.74% variable APR applies. Plus, earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
There’s also a cashback program for common business spending: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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. That’s $1,750 in cash back if you hit the max for these elevated rates.
With a foreign transaction fee of 3% of each transaction in U.S. dollars, this isn’t the best card to take on business travel abroad. But at least you don’t have to pay to carry it, thanks to the $0 annual fee.
If you’re planning a big purchase for your business and think you’ll be able to meet the Ink Business Cash® Credit Card‘s spending requirement, getting this card will allow you to enjoy a year of intro APR while also earning a valuable sign-up bonus. Do be aware of the unwritten Chase 5/24 rule, however. If you’ve been approved for five or more personal credit cards (or business credit cards that report to your personal credit) within the past 24 months, Chase will deny you for any of its cards.
The American Express Blue Business Cash™ Card offers an intro 0% on purchases for 12 months from date of account opening; afterwards, a 15.49% - 23.49% variable APR applies. There’s also a welcome offer in the form of a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months.
For ongoing rewards, cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% — that’s $1,000 in cash back if you max out the spending cap for the 2% rate.
There’s no annual fee to carry the American Express Blue Business Cash™ Card. However, the foreign transaction fee is 2.7% of each transaction after conversion to US dollars.
To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.
This card is ideal for business owners who value simplicity, as the cash back you earn will be redeemed monthly as a statement credit to your account. And because you earn the same flat rate on all purchases (until you hit the annual spending cap), you don’t have to worry about keeping track of different purchase categories that earn different rates. Finally, the card also offers Expanded Buying Power, which means Amex might let you spend above your credit limit — if you need flexibility in making a big purchase, that feature could be helpful. Note that any amount spent over your credit limit will be due in full each month.
The American Express Blue Business Cash™ Card offers an intro 0% on purchases for 12 months from date of account opening; afterwards, a 15.49% - 23.49% variable APR applies. There’s also a welcome offer in the form of a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months.
For ongoing rewards, cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% — that’s $1,000 in cash back if you max out the spending cap for the 2% rate.
There’s no annual fee to carry the American Express Blue Business Cash™ Card. However, the foreign transaction fee is 2.7% of each transaction after conversion to US dollars.
To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.
This card is ideal for business owners who value simplicity, as the cash back you earn will be redeemed monthly as a statement credit to your account. And because you earn the same flat rate on all purchases (until you hit the annual spending cap), you don’t have to worry about keeping track of different purchase categories that earn different rates. Finally, the card also offers Expanded Buying Power, which means Amex might let you spend above your credit limit — if you need flexibility in making a big purchase, that feature could be helpful. Note that any amount spent over your credit limit will be due in full each month.
The Capital One® Spark® Miles Select for Business offers a 0% introductory APR for the first 9 months that your account is open. on purchases, after which a 15.49%, 21.49% or 25.49% (variable) APR applies. Plus, you can earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
For rewards, cardholders earn 1.5 miles per $1 on every purchase, which is solid for a $0-annual-fee card.
In additon, the foreign transaction fee is none, meaning the Capital One® Spark® Miles Select for Business is a great choice to take if business travel takes you outside the United States.
This card is ideal for business owners who travel frequently and want a card that offers flexibility. Capital One allows you to transfer your miles to numerous airline and hotel partners — some at a 1:1 rate, others at a 2:1.5 rate and still others at a 2:1 rate. However, note that the Capital One® Spark® Miles Select for Business comes with a shorter intro APR period than some of the other cards on this list.
The Capital One® Spark® Miles Select for Business offers a 0% introductory APR for the first 9 months that your account is open. on purchases, after which a 15.49%, 21.49% or 25.49% (variable) APR applies. Plus, you can earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
For rewards, cardholders earn 1.5 miles per $1 on every purchase, which is solid for a $0-annual-fee card.
In additon, the foreign transaction fee is none, meaning the Capital One® Spark® Miles Select for Business is a great choice to take if business travel takes you outside the United States.
This card is ideal for business owners who travel frequently and want a card that offers flexibility. Capital One allows you to transfer your miles to numerous airline and hotel partners — some at a 1:1 rate, others at a 2:1.5 rate and still others at a 2:1 rate. However, note that the Capital One® Spark® Miles Select for Business comes with a shorter intro APR period than some of the other cards on this list.
With the the Blue Business® Plus Credit Card from American Express, enjoy an intro 0% on purchases for 12 months from date of account opening(a 15.49% - 23.49% variable APR will apply afterwards). For the welcome offer, earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
The card’s flat-rate rewards program is similar to that of the American Express Blue Business Cash™ Card, but the Blue Business® Plus Credit Card from American Express earns points instead of cash back. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
There’s no annual fee to carry the Blue Business® Plus Credit Card from American Express. However, be aware that there’s a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
To see the rates and fees for the Blue Business® Plus Credit Card from American Express, please click here.
If you’re looking for a straightforward card that earns points, the Blue Business® Plus Credit Card from American Express might be the right choice for your business. The Membership Rewards® points you’ll earn with this card can be redeemed to cover charges on your card, for Pay with Points when checking out at select merchants, toward gift cards, to book or upgrade travel, for electronics and other merchandise or transferred to a variety of travel partners. And like the American Express Blue Business Cash™ Card, the Blue Business® Plus Credit Card from American Express comes with Expanded Buying Power, which means Amex might let you spend above your credit limit, offering flexibility for big purchases.
With the the Blue Business® Plus Credit Card from American Express, enjoy an intro 0% on purchases for 12 months from date of account opening(a 15.49% - 23.49% variable APR will apply afterwards). For the welcome offer, earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
The card’s flat-rate rewards program is similar to that of the American Express Blue Business Cash™ Card, but the Blue Business® Plus Credit Card from American Express earns points instead of cash back. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
There’s no annual fee to carry the Blue Business® Plus Credit Card from American Express. However, be aware that there’s a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
To see the rates and fees for the Blue Business® Plus Credit Card from American Express, please click here.
If you’re looking for a straightforward card that earns points, the Blue Business® Plus Credit Card from American Express might be the right choice for your business. The Membership Rewards® points you’ll earn with this card can be redeemed to cover charges on your card, for Pay with Points when checking out at select merchants, toward gift cards, to book or upgrade travel, for electronics and other merchandise or transferred to a variety of travel partners. And like the American Express Blue Business Cash™ Card, the Blue Business® Plus Credit Card from American Express comes with Expanded Buying Power, which means Amex might let you spend above your credit limit, offering flexibility for big purchases.
Enjoy an intro 0% on purchases for 12 months, after which a 17.49% - 25.49% (variable) APR applies.
For ongoing rewards, cardholders earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel — and there’s no limit to how much cash back you can earn. The card charges a $0 annual fee and a foreign transaction fee of none.
While many business credit cards require good to excellent credit, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is specifically designed for people with just good credit. The fact that it’s more accessible than many competing cards, and also comes with a year of intro APR, makes this a good choice for business owners planning a big purchase, even though it doesn’t offer a sign-up bonus.
Enjoy an intro 0% on purchases for 12 months, after which a 17.49% - 25.49% (variable) APR applies.
For ongoing rewards, cardholders earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel — and there’s no limit to how much cash back you can earn. The card charges a $0 annual fee and a foreign transaction fee of none.
While many business credit cards require good to excellent credit, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is specifically designed for people with just good credit. The fact that it’s more accessible than many competing cards, and also comes with a year of intro APR, makes this a good choice for business owners planning a big purchase, even though it doesn’t offer a sign-up bonus.
| Credit card | Best for | Intro APR offer | Annual fee |
|---|---|---|---|
| U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Overall | 0% Intro APR for 15 billing cycles on purchases, after which a 16.24% - 25.24% (variable) APR applies. 0% Intro on balance transfers for 15 billing cycles, after which a 16.24% - 25.24% (variable) APR applies. | $0 |
| U.S. Bank Business Platinum Card | Long intro APR on purchases and balance transfers | 0% intro APR on purchases for 20 billing cycles, after which a 14.24% - 23.24% (variable) APR applies. 0% intro APR on balance transfers for 20 billing cycles, after which a 14.24% - 23.24% (Variable) APR applies. | $0 |
| Ink Business Cash® Credit Card | A big sign-up bonus | 0% Intro APR on Purchases for 12 months, after which a 14.74% - 20.74% variable APR applies. | $0 |
| American Express Blue Business Cash™ Card | Flat-rate cash back | 0% on purchases for 12 months from date of account opening, after which a 15.49% - 23.49% variable APR applies. | No annual fee |
| Capital One® Spark® Miles Select for Business | Earning miles | 0% introductory APR for the first 9 months that your account is open., after which a 15.49%, 21.49% or 25.49% (variable) APR applies. | $0 |
| The Blue Business® Plus Credit Card from American Express | Earning points | 0% on purchases for 12 months from date of account opening, after which a 15.49% - 23.49% variable APR applies. | No annual fee |
| Capital One Spark Cash Select - 0% Intro APR for 12 Months | Business owners with good credit | 0% on purchases for 12 months, after which a 17.49% - 25.49% (variable) APR applies. | $0 |
To see the rates and fees for the American Express Blue Business Cash™ Card, please click here.
To see the rates and fees for the Blue Business® Plus Credit Card from American Express, please click here.
While consumer credit cards often come with 0% intro APR periods of anywhere from 12 to 21 months, business credit cards generally offer shorter intro periods — if they offer one at all. The cards we’ve selected as the best 0% intro APR business credit cards offer intro periods ranging from nine to 18 months long.
Many business credit cards offer 0% intro APR periods on purchases, but fewer offer 0% intro APR periods for balance transfers as well. If you’re looking to do a balance transfer, note that the U.S. Bank business credit cards on this list offer intro APRs on balance transfers as well as purchases.
After your 0% intro APR period ends, any balance left on the credit card will begin accruing interest at the regular APR. For this reason, it’s important to calculate how long you’ll need to pay off your purchase or transferred debt, and make sure the card you’re thinking of applying for has a long enough intro period to let you pay it off in full.
In selecting the best business credit cards with 0% intro APR periods, the first factor considered was how long an intro APR period each card offers. In addition, we weighed in favor of a card’s inclusion if the card offers an intro APR for both purchases and balance transfers, since many business cards just have an intro APR on purchases.
Factors such as sign-up bonuses and rewards programs were also considered. Most of the cards on this list earn rewards, which provides ongoing value for business owners after the intro APR period ends.
Finally, other features that might prove helpful were weighed in the selection process. For example, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is available to applicants with good credit. This makes it more accessible than many other business credit cards, which generally require good to excellent credit.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
