The Best 0% Intro APR Business Credit Cards [2026]

A 0% intro APR business card can give you flexibility when managing large purchases or unexpected expenses. If you're a new business owner, it could give you breathing room while you get established.

If a 0% intro APR business credit card is something you think you might need, this article will help you figure out the best card for you and your business. Our top picks are the Ink Business Cash^® Credit Card and Ink Business Unlimited^® Credit Card.

Key takeaways

• While all the options on this list are strong choices, we especially like the Ink Business Cash^® Credit Card for its cash back in different spending categories in addition to having introductory interest-free spending.
• In addition to looking at the 0% intro APR, consider the rewards structure of a business credit card to choose one that makes sense for your business spending.

Compare the best 0% intro APR business credit cards

Card	Intro APR on purchases	Rewards rate
Ink Business Cash® Credit Card(Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 12 months, then 16.74% - 24.74% Variable APR	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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases
Ink Business Unlimited® Credit Card(Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 12 months, then 16.74% - 24.74% Variable APR	Unlimited 1.5% cash back on every purchase
The Blue Business® Plus Credit Card from American Express 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 12 months from date of account opening, then 16.74% - 26.74% Variable APR	2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
The American Express Blue Business Cash™ Card 5.0 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 12 months from date of account opening, then 16.74% - 26.74% Variable APR	2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter
Bank of America® Business Advantage Customized Cash Rewards credit card 4.3 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	0% intro APR for 7 billing cycles on purchases (then 16.74% to 26.74% Variable)	3% cash back in your category of choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, then 1%); and unlimited 1% cash back on all other purchases

Ink Business Cash^® Credit Card

Why we like it: With the Ink Business Cash^® Credit Card, you will be able to earn cash back in different spending categories in addition to having introductory interest-free spending. The card comes with a 0% introductory APR for 12 months on purchases, which could help you finance large purchases. After that, the rate increases to 16.74% - 24.74% Variable APR.

This Visa card also comes with great rewards on your business expenses. You will 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases. If your business purchases align with the categories of this card, you may want to consider it as a tool for your business to save money each month.

What we don't like: We don't love the capped spending on bonus categories or that it has a foreign transaction fee.

Other benefits include: Along with opportunities to earn great cash back for your business, the card also provides rental car insurance, purchase protection, extended warranty protection, and roadside dispatch.

Depending on your lifestyle, you may also combine this card with other Chase cards so that you can use your cash back in the form of Chase Ultimate Rewards for travel.

Apply now or learn more in our Ink Business Cash Card review.

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited^® Credit Card is an outstanding card to take advantage of both an introductory APR on purchases along with respectable cashback earnings as you use the card.

Why we like it: We like the simple, flat-rate rewards program and $0 annual fee.

What we don't like: We don't love the foreign transaction fee.

Other benefits include: You will also have the ability to add employees to the account at no additional cost, rental car coverage while you travel, purchase protection, and extended warranty protection.

If you are interested in a cash back card with an excellent welcome offer and perks to help you save more on your purchases, the Chase Ink Business Unlimited is a great pick.

Apply now or learn more in our Ink Business Unlimited review.

The Blue Business^® Plus Credit Card from American Express

The Blue Business^® Plus Credit Card from American Express is a great option for businesses expecting a lot of big purchases.

Why we like it: The points you earn are American Express Membership Rewards, which can be transferred to a variety of Amex travel partners. The simplicity of your regular rewards earning is notable as there are no spending categories to track.

What we don't like: We don't love the annual spending cap on bonus points.

Other benefits include: If you travel for work, the card also offers rental car insurance and access to the Global Assist Hotline in case things go awry while you are on the road.¹ <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p> ² <p>You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Card Members are responsible for the costs charged by third-party service providers.</li></ul><p></p>

The card also has a $0 annual fee for the primary cardholder and all additional employee cards. 

Apply now or learn more in our Amex Blue Business Plus Credit Card review.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is nearly identical to the American Express Blue Business Plus Credit Card in its benefits, except you will earn cash back (in the form of a statement credit) instead of points.

Why we like it: This card may be a good fit for your needs if earning cash to put back into your business is as much of a priority as saving interest on purchases. It also has a $0 annual fee for the primary cardholder and all additional cardholders.

What we don't like: We don't love the annual spending cap.

Other benefits include: You will have rental car insurance and access to the Global Assist Hotline.¹ <p>Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p> ² <p>You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Card Members are responsible for the costs charged by third-party service providers.</li></ul><p></p>

Apply now or learn more in our Amex Blue Business Cash Card review.

Bank of America^® Business Advantage Customized Cash Rewards credit card

The Bank of America^® Business Advantage Customized Cash Rewards credit card could make sense if your business expenses change from month to month.

Why we like it: We like the earning potential, $0 annual fee, and the potential for Bank of America Preferred Rewards members to boost their earning potential by 25% to 75%. The Business Gold tier earns 25% more in rewards, the Business Platinum tier earns 50% more, and the Business Platinum Honors tier earns 75% more.

We also like that the rewards don't expire and can be deposited into your Bank of America checking or savings account. They can also be redeemed as a card statement credit or you can have a check mailed to you.

What we don't like: We don't love the annual spending cap or the 3% foreign transaction fee.

Other benefits include: This card also offers purchase protections and travel coverage.

Learn more in our Bank of America Business Advantage Customized Cash Rewards Card review

How to choose the right 0% intro APR business credit card for you

There are many factors to consider when selecting a 0% intro APR business credit card. Is the rewards program the card offers actually valuable to you and your business? Is there an annual fee with the card and is the fee balanced out by the benefits you'll receive? Does the card come with business perks that protect you, such as travel insurance?

If you don't yet have the answers to all these questions, don't sweat. There really is just one simple question you need to ask yourself — what does my business need in order to keep moving forward?

Does your business need to save money on travel? Does it need more cash flow? What about cards for all your employees so you can keep better track of spending? Or would your business benefit from you consolidating debt with a balance transfer? Once you answer this one question, you will be able to select the card that is perfect for your business needs.

To help you further narrow the options down, here are a few of the best credit cards if you're a small business owner looking for a 0% intro APR offer.

FAQs

Bottom line

0% intro APR credit cards for business are a great way to expand your spending power without increasing your interest fees. While all the cards mentioned above have an introductory APR offer, be sure to analyze the details of each rewards credit card to find the one that fits your business's needs the best.

Whether you need travel coverage, no annual fee, purchase protection, or fee-free employee cards, one card may fit your business needs more than another. Or you may prefer to earn travel rewards versus cashback rewards or to redeem your rewards for gift cards versus a statement credit.

A business credit card can become a great tool for your business. While making sound business decisions is important, so is making informed financial decisions for your business. So with the information above about 0% intro APR business credit cards, you can make the right selection for your needs and continue driving your business forward.

Methodology

To choose the best 0% intro APR business credit cards, we compared cards from multiple issuers. We assessed features like 0% intro APR periods, annual fees, rewards rates, and welcome offers to identify the best options for businesses. We did not include all cards available.

Up to 5% Cash Back

Ink Business Cash^® Credit Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Ink Business Cash^® Credit Card

Apply Now

Rates and fees

Current Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Annual Fee

$0

Rewards Rate

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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases

Benefits and Drawbacks

Benefits

• Solid rewards on office supply, telecom spending, gas, and dining
• Generous welcome offer
• Intro APR on purchases
• $0 annual fee
• Valuable purchase and travel protections

Drawbacks

• Bonus rewards capped after $25,000 annual spend in each category
• No bonus rewards for travel or advertising purchases
• Foreign transaction fee of 3% of each transaction in U.S. dollars

Card Details

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening
• 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 purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC