Compare business credit cards with a 0% intro APR

Having a credit card with a 0% interest period can be extremely helpful for your business, especially if you’re just starting out and need to make a large purchase such as supplies or inventory. You’ll be able to carry your balance interest-free — for a year or more with some cards — until your company’s finances stabilize.

No-interest business credit cards can also help if you don’t want to pay the high APR on another card. With a balance transfer option, you can move your balance from the high APR card to a new 0% intro APR card and save on interest while paying off your balance during the intro period.

Our pick for a long intro APR business card

American Express® Blue Business Cash Card

• 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.
• 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
• No annual fee
• Terms apply

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Compare 0% intro APR business cards

A 0% intro APR business credit card can save you a lot of money on interest during your first year of card membership. Just make sure to compare other perks to get the best option for your business.

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Name	Product	Purchase APR	Balance transfer APR	Annual fee	Filter values
American Express® Blue Business Cash Card		0% intro for the first 12 months (then 14.74% to 20.74% variable)	0% intro for the first 12 months (then 14.74% to 20.74% variable)	$0		Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees	Apply now View details	Compare	loading Fetching your data...
The Blue Business® Plus Credit Card from American Express		0% intro for the first 12 months (then 14.74% to 20.74% variable)	0% intro for the first 12 months (then 14.74% to 20.74% variable)	$0		Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees	Apply now View details	Compare	loading Fetching your data...
U.S. Bank Business Platinum		0% intro for the first 12 billing cycles (then 11.49% to 19.49% variable)	0% intro for the first 12 billing cycles (then 11.49% to 19.49% variable)	$0		Enjoy a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, reverting to a variable 11.49% to 19.49% APR. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Unlimited℠ Credit Card		0% intro for the first 12 months (then 14.74% to 20.74% variable)	14.74% to 20.74% variable	$0		$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.	See offer View details	Compare	loading Fetching your data...
U.S. Bank Business Cash Rewards World Elite™ Mastercard®		0% intro for the first 9 billing cycles (then 13.49% to 24.49% variable)	13.49% to 24.49% variable	$0		Earn $200 cash back after you spend $1,000 on purchases in the first 90 days from account opening. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
Ink Business Cash℠ Credit Card		0% intro for the first 12 months (then 14.74% to 20.74% variable)	14.74% to 20.74% variable	$0		$500 bonus cash back after you spend $3,000 in the first 3 months.	See offer View details	Compare	loading Fetching your data...
Capital One® Spark® Cash Select for Business		0% intro for the first 9 months (then 14.49%, 18.49% or 22.49% variable)	14.49%, 18.49% or 22.49% variable	$0		Unlimited 1.5% cash back on every purchase, every day.	See offer View details	Compare	loading Fetching your data...

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Consider these 0% intro APR business credit cards

Business owners commonly consider these factors when selecting a 0% intro APR card. Compare the following cards for an example of what features you might find.

The Blue Business® Plus Credit Card from American Express

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• Get this card if: You want both an intro APR on purchases and balance transfers.

If you’re looking for an intro APR period on balance transfers and purchases, The Blue Business® Plus Credit Card from American Express could be the right choice (see rates & fees). You also get to earn membership rewards points, which you can redeem for gift cards, travel, merchandise and more. And you won’t pay an annual fee.

• The perks

  • Intro APR period.
    Get a 0% intro APR period on balance transfers and purchases for 12 months. After that, your rate reverts to 14.74% to 20.74% variable.
  • Earn membership points.
    Earn 2x membership points on up to $50,000 in purchases per year, and 1x points thereafter. Redeem your points for flights, hotel accommodations, gift cards or shop through the Membership Rewards site.
  • No annual fee.
    You won’t pay an annual fee to own this card.
  • Buy above your credit limit.
    With this card, you get an automatic feature where you can purchase above your credit limit. But know that the amount you can spend is limited and adjusts according to your card activity and other factors determined by Amex.

American Express® Blue Business Cash Card

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• Get this card if: You spend money on a variety of categories up to $50,000 annually.

Businesses that spend up to $50,000 per year on all purchases could find the American Express® Blue Business Cash Card to be a valuable rewards credit card. In addition, you get a long intro APR period on balance transfers and purchases, and you won’t pay an annual fee (see rates & fees).

• The perks

  • Intro APR on purchases and balance transfers.
    Get a 0% intro APR period on purchases and balance transfers for the first 12 months following your account opening. After that, a variable APR of 14.74% to 20.74% applies.
  • Cash back.
    Earn 2% cash back on all purchases on up to $50,000 each year, then 1% for the rest of the year.
  • No annual fee.
    You get all the card’s perks without paying an annual fee.
  • Buy above your limit.
    You can spend above your credit limit. But the amount is not unlimited and constantly adjusts based on your spending and other factors determined by Amex.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

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• Get this card if: You want to earn cash back on gas purchases.

Businesses that spend a lot of money on gas, office supplies and cell phone services can earn accelerated cash back with this card, without limits. In addition, you get an annual bonus based on the cash back you earn the previous year, you get a decent signup bonus and a long intro APR period on purchases and balance transfers (see rates & fees).

• The perks

  • Intro APR period.
    Get a 0% intro APR period on purchases for the first 9 billing cycles following your account opening. A variable APR of 13.49% to 24.49% applies thereafter.
  • Cash back.
    Earn 3% cash back on gas up to $200 per purchase, 1% after that, and 3% back on office supplies and cell phone purchases. Everything else you buy earns 1% cash back.
  • No annual fee.
    You won’t pay an annual fee to use the card’s perks and features.
  • Signup bonus.
    Spend $1,000 within your first 90 days to earn a $200 bonus.
  • Annual cash back bonus.
    Earn 25% bonus based on the cash back you earned during your previous year. The maximum bonus you can get is $250.

Ink Business Unlimited℠ Credit Card

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• Get this card if: You want unlimited cash back.

If you don’t spend much on any one particular category, a credit card like the Ink Business Unlimited℠ Credit Card from Chase can be most useful. You’ll get to earn unlimited points on everything you buy, which you can redeem for cash back, gift cards or travel.
Furthermore, you get a long intro APR period on purchases. This can come in handy if you plan to make a large purchase early on.

• The perks

  • Intro APR period.
    Get a 0% intro APR period on purchases for the first 12 months following your account opening. After that, a variable APR of 14.74% to 20.74% applies.
  • Signup bonus.
    Get $500 back when you spend $3,000 on purchases in the first 3 months of card membership.
  • Cash back.
    Earn 1.5% cash back on everything you buy. That’s $1.50 or 150 points for every $100 spent.
  • Credit line.
    The minimum credit line you can get with this card is $3,000. To get a credit limit higher than $25,000, Chase may request additional information from you.
  • No annual fee.
    You won’t pay an annual fee to own this card.

Looking for a business card? Take our quiz to find the best fit.

How to compare credit cards with a 0% intro APR

When you’re looking for a 0% intro APR business credit card, you need to consider the following:

• How long of an intro APR period do you need? If you’re looking for a 0% intro APR period on balance transfers and purchases, the American Express® Blue Business Cash Card would likely be the right fit for your business.
• Do you only need an intro APR on purchases? If you only need a 0% intro APR period on purchases, the Ink Business Unlimited℠ Credit Card could be a good option.
• Do you want to earn rewards with your card? Both The Blue Business® Plus Credit Card from American Express and the Ink Business Unlimited℠ Credit Card from Chase offer the option to earn points — which you can redeem for cash back, travel rewards, gift cards, merchandise and more.

Bottom line

If your company is just starting out or you’re having cashflow difficulties, a business credit card with a 0% intro APR period can help you carry your balance without paying any interest.

But if you’re not sure any of these cards are the right choice for your spending and needs, compare other business credit cards until you find the ideal one for your unique situation.

Frequently asked questions

• Which 0% intro APR business credit cards have a welcome offer?

  • Ink Business Unlimited℠ Credit Card
  • U.S. Bank Business Cash Rewards World Elite™ Mastercard®

• Which 0% intro APR business credit cards have no annual fee?

  • U.S. Bank Business Cash Rewards World Elite™ Mastercard®
  • Ink Business Unlimited℠ Credit Card from Chase
  • The Blue Business® Plus Credit Card from American Express from American Express
  • American Express® Blue Business Cash Card

• Which of these business credit cards has the longest intro APR period?

  Several business cards offer 12 months intro APR for both purchases and balance transfers.