Compare business credit cards with 0% intro APR | finder.com
stack of business credit cards with 0% intro APR

Compare business credit cards with a 0% intro APR

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Need to make a large purchase? Tired of your high APR? One of these cards may be able to help.

Having a credit card with a 0% interest period can be extremely helpful for your business, especially if you’re just starting out and you need to make a large purchase of 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 you 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 you’ll save on interest while paying off your balance during the intro period.

Our pick for an intro APR business card

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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Compare 0% intro APR business cards

Name Product Intro Purchase APR Intro Balance Transfer APR Purchase APR
0% for the first 12 months (then 15.49% to 21.49% variable)

N/A

15.49% to 21.49% variable
$500 bonus cash back after you spend $3,000 in the first 3 months
0% for the first 12 months (then 15.49% to 21.49% variable)

N/A

15.49% to 21.49% variable
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
0% for the first 12 months (then 15.49%, 18.49% or 21.49% variable)
0% for the first 12 months (then 15.49%, 18.49% or 21.49% variable)
15.49%, 18.49% or 21.49% variable
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
0% for the first 15 months (then 14.49%, 19.49% or 21.49% variable)

N/A

14.49%, 19.49% or 21.49% variable
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
0% for the first 9 billing cycles (then 13.49% to 23.49% variable)

N/A

13.49% to 23.49% variable
Earn more travel rewards for your business purchases

Compare up to 4 providers

Best business credit cards with a 0% intro APR

When comparing business cards with 0% intro APRs, we looked at several factors across available cards, including length of the APR period, points, miles or cash back earned per dollar, available reward categories, any reward limitations, fees and other common considerations a business owner might have when selecting a card. The cards that performed exceptionally well in one or several categories or filled a unique niche were chosen for highlight below.

Best business credit card with an intro APR on purchases and balance transfers: The Blue Business‎℠ Plus Credit Card from American Express

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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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. 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.

Best business credit card with a 0% intro APR on purchases that has high cash back on office supplies: SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
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Businesses that spend up to $50,000 per year on office supplies from US retailers, and up to $50,000 in another category of their choice — airfare purchased directly from airlines, hotel rooms, car rentals, US gas, US restaurants, advertising in select US media, US shipping or computer software, or US hardware and cloud services — could find the SimplyCash® Plus Business Credit Card from American Express to be of great use.

Best business credit card with a 0% intro APR and unlimited cash back on all purchases: Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No annual fee
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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.

Find the right business card

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How to compare credit cards with a 0% intro APR

When you’re looking for a credit card with an intro APR period for your business, you need to consider the following:

  • How long of an intro APR period do you need? Before applying for a business credit card, consider whether you’re planning to make a large purchase and how long it will take to pay off your balance. Alternatively, if you’re stuck with a high APR on another card and you want to transfer your balance, consider how much you can transfer and how long it will take to pay it off once you make the transfer. If you’re looking for a 0% intro APR period on balance transfers and purchases, The Blue Business‎℠ Plus Credit Card from American Express 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 and you spend heavily on office supplies, the SimplyCash® Plus Business Credit Card from American Express 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.

Compare all business credit cards

Updated April 21st, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening

Compare up to 4 providers

Amazon Business Prime American Express Card

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 best one for your unique situation.

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