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.

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from 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 card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No annual fee
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Compare 0% intro APR business cards

Name Product Introductory Purchase APR Intro APR for Balance Transfer APR (Annual Percentage Rate) for Purchases
0% for the first 12 months (then 15.24% to 21.24% variable)
0% for the first 12 months (then 15.24% to 21.24% variable)
15.24% to 21.24% variable
$500 bonus cash back after you spend $3,000 in the first 3 months
0% for the first 12 months (then 15.24% to 21.24% variable)
0% for the first 12 months (then 15.24% to 21.24% variable)
15.24% to 21.24% variable
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
0% for the first 15 months (then 13.24%, 17.24% or 21.24% variable)
0% for the first 15 months (then 13.24%, 17.24% or 21.24% variable)
13.24%, 17.24% or 21.24% variable
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
14.24%, 19.24% or 21.24% variable
Save on interest with a 0% intro APR on purchases for 9 months. After that your APR will be 14.24%, 19.24% or 21.24% variable.
0% for the first 9 billing cycles (then 13.24% to 23.24% variable)
13.24% to 23.24% variable
Earn more travel rewards for your business purchases

Compare up to 4 providers

Best business credit cards with a 0% intro APR

Best business credit card with the longest intro APR period: Blue Business℠ Plus Credit Card

Blue Business℠ Plus Credit Card

Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.

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If you’re looking for the longest 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

SimplyCash® Plus Business Credit Card

Save on interest with a 0% intro APR on purchases for 9 months. After that your APR will be 14.24%, 19.24% or 21.24% variable.


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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 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 and balance transfers
  • 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 balance transfers and purchases. This can come in handy if you plan to make a large purchase early on or if you want to move your balance from another account with a high APR.

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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 the longest 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 could be a good option.
  • Do you want to earn rewards with your card? Aside from a long intro APR period on balance transfers and purchases, 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 December 15th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% 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®
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of 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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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