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Compare business credit cards with a 0% intro APR

Make large purchases without paying interest for a period of time.

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Having a credit card with a 0% interest period on purchases or balance transfers 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 new or existing balance interest-free — for a year or more with some cards — until your company’s finances stabilize.

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.

Best unsecured card for no credit
Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850)
Apply now
on Chase's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 1.5%
Cash back
$500
Welcome offer
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.
  • 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 13.24% to 19.24% applies.
  • Signup bonus. Get $ 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 1.5 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.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR 13.24% to 19.24% variable
Welcome offer $500 back after spending $3,000 in the first 3 months
Rewards 1.5% cash back on all purchases

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to 3x
Points
30,000
Points welcome offer
If you travel often for your business and you want a 0% intro APR period on purchases, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card will deliver. What's more, if you're a Preferred Rewards for Business Platinum Honors tier member, you can earn as many points as some premium travel cards.
  • Intro APR on purchases.
    Get a 0% intro APR period on purchases for the first 9 billing cycles following your account opening. After that, a variable APR of 11.24% to 21.24% applies.
  • Reward points. Earn 3x points on car rentals, hotel stays and airfare booked through the Bank of America travel center. All other purchases earn 1.5x points. If you're Bank of America preferred client, you can boost your rewards rate by 75%.
  • No annual fee. You get all the card's perks without paying an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 9 billing cycles (then 11.24% to 21.24% variable)
Balance transfer APR 11.24% to 21.24% variable
Welcome offer 30,000 points after spending $3,000 in the first 90 days
Rewards 3x points on travel booked through Bank of America Travel Center and 1.5x points on all other purchases

Best unsecured card for no credit
The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 2x
Points
$300
Welcome offer
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.
  • Intro APR period. Get a 0% intro APR period on balance transfers and purchases for 12 months. After that, your rate reverts to 13.24% to 19.24% 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.
  • Welcome offer. Earn up to $300 in statement credit ($100 each) at Dell Technologies, DocuSign or FedEx after you make a purchase in the first 3 months when you open your account.
  • 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.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 13.24% to 19.24% variable)
Balance transfer APR N/A
Welcome offer Up to $300 in statement credits: $100 each at Dell Technologies, DocuSign or FedEx in the first 3 months
Rewards 2x points on everyday business purchases on up to $50,000 annually, then 1x points

Best unsecured card for no credit
U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard® logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$500
Welcome offer
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.
  • Intro APR period. Get a 0% intro APR period on purchases and balance transfers for the first 15 billing cycles following your account opening. A variable APR of 11.99% to 22.99% 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 within your first 150 days to earn a $500 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.
Annual Fee $0
Purchase APR 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
Balance transfer APR 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
Welcome offer $500 after spending $4,500 in the first 150 days
Rewards 3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases

Best unsecured card for no credit
U.S. Bank Business Platinum

U.S. Bank Business Platinum logo
Finder Rating: 3.1 / 5

★★★★★

Credit recommended (740-850)
Read review
Rates & fees

740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
Business owners looking for the longest 0% intro APR period on purchases and balance transfers should definitely consider this card. You don't get to earn rewards or a signup bonus, perks that other cards may offer. But you get to stack up on inventories or move your debt from another card and pay it off without interest for almost two years. If you get a decent credit limit, getting this card can be an excellent deal.
  • Intro APR period. Get 20 billing cycles of 0% intro APR period on purchases and balance transfers. After the intro period expires, a variable APR of 9.99% to 17.99% applies.
  • No annual fee. Aside from saving money on interest, you also save money without paying an annual fee.
Annual Fee $0
Purchase APR 0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
Balance transfer APR 0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
Welcome offer N/A
Rewards N/A

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.

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Ink Business Cash℠ Credit Card
0% intro for the first 12 months (then 13.24% to 19.24% variable)
13.24% to 19.24% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
0% intro for the first 12 months (then 13.24% to 19.24% variable)
13.24% to 19.24% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
U.S. Bank Business Platinum
0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable)
$0
Enjoy a 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 9.99% to 17.99% APR. Rates & Fees
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
American Express Blue Business Cash™ Card
0% intro for the first 12 months (then 13.24% to 19.24% variable)
N/A
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
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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:

  • What do you want an intro APR for? Intro APR credit cards can come with an intro period for purchases, balance transfers or both. You’ll want to what will serve you best, and compare cards based on this factor first.
  • How long of an intro APR period do you need? The length of time on an intro period can play an important role in your card decision. Depending on how much money you can put toward paying off the balance each month, you might want a longer intro period to make sure you can pay it off within the period.
  • Do you want to earn rewards with your card? If you’re interested in rewards, there are plenty of credit cards that offer them in addition to intro APR periods. With that said, some cards specialize in intro APRs and may offer longer intro periods than another card that also offers rewards.
  • Do you need a low ongoing APR? If you plan on carrying a balance on your intro APR card after your intro period ends, you’ll want to check for a low ongoing APR.

When should I get a 0% intro APR business card?

Intro APR credit cards are always a useful tool to have to your name. Generally, you might consider getting one for your business if:

  • You’re expanding your business. Expanding your business usually requires a hefty investment. Making these purchases on a 0% intro APR card can help take the pressure off of your investment by delaying interest and giving you more time to pay off your card.
  • You have an existing balance gathering interest. Interest on business expenses can add up quickly. If you have a balance building interest, you can move that balance to a balance transfer card to pay it off interest-free during the intro period.

How do I make the most of my 0% APR period for my business?

If you want to maximize the value of your 0% APR business card, you’ll want to follow a few simple guidelines:

  • Apply just before you need it. If you plan on making some large expenditures for your business, you’ll want to apply for your 0% intro card for purchases just before you spend that money. This ensures you can put all of your necessary purchases on the card and maximize your intro period.
  • Move your highest APR balances over. Similarly, if you want to save interest on an existing business balance, make sure to move over the debt with the highest APR. This helps maximize your savings.
  • Avoid unnecessary purchases. This is especially relevant for balance transfer credit cards. If you move an existing debt to that business card, additional purchases will delay delay your payoff time. In a worst case scenario, you could run over your intro period and get hit with the entire accrued interest.

Can you get a business credit card with 0 APR for 24 months?

Unfortunately, no. The closest you can get is 20 months of 0% intro APR period on purchases and balance transfers with the U.S. Bank Business Platinum Card. After the intro APR expires, a variable APR of 9.99% to 17.99% will apply.

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.

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