The Best 0% Intro APR Business Credit Cards (That You Need to Know About)

CREDIT CARDS - 0% APR CREDIT CARDS
If saving money and increasing purchasing power for your business are priorities, consider applying for one of these 0% intro APR business credit cards.
Updated April 9, 2024
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Best 0% APR Business Credit Cards

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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.

In this article

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 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.

The best 0% intro APR business credit cards

Compare the best 0% intro APR business credit cards

Card Intro APR on purchases Welcome bonus Rewards rate Annual fee
Ink Business Cash® Credit Card 0% intro APR for 12 months, then 18.49% - 24.49% Variable APR Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 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 $0
Ink Business Unlimited® Credit Card 0% intro APR for 12 months, then 18.49% - 24.49% Variable APR Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase $0
The Blue Business® Plus Credit Card from American Express 0% intro APR for 12 months, then 18.49% - 26.49% Variable APR Earn 15,000 Membership Rewards points after you spend $3,000 on eligible purchases within the first 3 months of card membership 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that $0 (terms apply)    
The American Express Blue Business Cash™ Card 0% intro APR for 12 months, then 18.49% - 26.49% Variable APR Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that $0 (terms apply    
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card 0% intro APR for 9 billing cycles on purchases (then 18.49% - 28.49% Variable) Earn a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening 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 $0
Capital One Spark Cash Select for Good Credit
0% intro APR for first 12 months, then 21.24%, 26.24% or 29.24% (variable) APR Introductory APR on purchases Unlimited 1.5% cash back on all purchases on all cards attached to the account; plus 5% cash back on hotels and rental cars booked through Capital One Travel $0

Ink Business Cash® Credit Card

Pros
  • 0% introductory APR for 12 months on purchases (then 18.49% - 24.49% Variable APR)
  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Cons
  • Capped spending on bonus cashback categories
  • Has foreign transaction fee

With the Ink Business Cash® Credit Card, you will be able to earn cash back in different spending categories in addition to having interest-free spending.

Great rewards: 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.

Welcome offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Why we like it: 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 18.49% - 24.49% 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 explore more benefits and features in our Ink Business Cash Card review.

Ink Business Unlimited® Credit Card

Pros
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Unlimited 1.5% cash back on every purchase
Cons
  • Has foreign transaction fee
  • No lucrative rewards categories

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

Introductory offer: 0% intro APR for 12 months on purchases (then 18.49% - 24.49% Variable APR).

Generous welcome offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

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 explore more benefits and features in our Ink Business Unlimited review.

The Blue Business® Plus Credit Card from American Express

Pros
  • $0 annual fee (Terms apply)
  • 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that
Cons
  • Annual spending cap on bonus cash back

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

Introductory period: With this card, you will have a 0% intro APR for 12 months on purchases, then 18.49% - 26.49% Variable APR.

Simple rewards structure: You will earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.

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 cash back.

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.12

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

Apply now or explore more benefits and features in our Amex Blue Business Plus Credit Card review.

The American Express Blue Business Cash™ Card

Pros
  • $0 annual fee (Terms apply)
  • Earn a $250 statement credit after spending $3,000 on purchases in the first 3 months
Cons
  • Annual spending cap on bonus cash back

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.

Introductory offer: The Amex Blue Business Cash will give you a 0% intro APR for 12 months on purchases, then 18.49% - 26.49% Variable APR.

Simple rewards structure: This card also offers straightforward cash back in the form of statement credit, earning 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that.

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.(Terms apply)

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.12

Apply now or explore more benefits and features in our Amex Blue Business Cash Card review.

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

Pros
  • $0 annual fee
  • Earn a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening
Cons
  • Spending limit on highest rewards rates
  • Foreign transaction fees

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

Introductory offer: 0% intro APR for 9 billing cycles on qualifying purchases (then 18.49% - 28.49% Variable).

High rewards rate on certain categories: 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.

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.

Apply now or explore more benefits and features in our Bank of America Business Advantage Customized Cash Rewards Card review.

Capital One Spark Cash Select for Good Credit

Pros
  • $0 annual fee
  • Unlimited 1.5% cash back on all purchases on all cards attached to the account; plus 5% cash back on hotels and rental cars booked through Capital One Travel
  • No foreign transaction fee
Cons
  • No welcome bonus

The Capital One Spark Cash Select for Good Credit is a straightforward cashback card that earns you unlimited 1.5% cash back on all purchases on all cards attached to the account; plus 5% cash back on hotels and rental cars booked through Capital One Travel, so you don’t need to keep track of spending categories.

Introductory offer: This card has a $0 annual fee and provides a 0% intro APR on purchases for first 12 months (then 21.24%, 26.24% or 29.24% (variable) APR).

Why we like it: The Capital One Spark Cash Select has some nice management features. You can pick your own payment due date, set up autopay, easily identify recurring transactions, and download purchase records in multiple formats.

What we don’t like: Some cards offer higher rewards (but often with spending caps).

Other benefits include: You get free employee cards and can set spending limits, which will help you manage employee spending and reap the rewards.

You’ll also get roadside assistance, rental collision coverage, and travel assistance for when you hit the road3, and there are no foreign transaction fees to worry about.

This card is ideal for small business owners who don’t want to pay an annual fee and manage several employees who also make purchases.

Learn more in our Capital One Spark Cash Select for Good Credit 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

What credit score is needed for a business credit card?

The best small business credit cards will require good or excellent credit. But keep in mind that issuers may consider your business credit score as well. If your business is in good standing, this might help you get approved, even if your personal credit score could use some work.

Does opening a business credit card affect your credit score?

Yes. Credit card issuers will perform a hard inquiry on your personal credit so that they can check your payment history and creditworthiness before making an approval decision. This may result in a small, temporary dip in your credit score. Some issuers also report payments to consumer credit bureaus. If that’s the case, your use of the business credit will also impact your personal score. That’s why you should aim for low utilization and always make your payments on time.

Should I pay off my 0% intro APR credit card?

You should try to pay off your 0% intro APR credit card before the introductory APR period comes to an end and the regular variable APR kicks in. If you don’t, you’ll pay interest on the balance. But as long as you’re still within the 0% intro APR period and you have a plan for your overall credit card debt, you could focus on paying your other debts first.

Can I use my EIN to apply for a credit card?

Most business credit card issuers will ask for your employer identification number (EIN) in addition to your Social Security number (SSN) when you apply for a business credit card. If you’re looking to get an EIN only business credit card, you do have a few options, including a corporate gas card. 


Best 0% intro APR business credit cards: 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

4.8

Ink Business Cash® Credit Card

Current Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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
Card Details

Author Details

Brett Holzhauer Brett Holzhauer is a graduate of the Walter Cronkite School of Journalism at Arizona State University. He writes about using points & miles for travel, travel industry news, utilizing credit cards as financial leverage, and investing for the future. He has been featured in publications such as The Points Guy, Million Mile Secrets, The Money Manual, Recruiter, Travel Pulse, and Bald Thoughts. He is a full-time digital nomad with his wife, Kiersten.

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