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 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

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

  • Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening. 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
  • 1% cash back on other eligible net purchases
  • No limit on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
  • Net purchases are purchases minus credits and returns
  • Rates & Fees
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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.

Name Product Purchase APR Balance transfer APR Annual fee Filter values
0% intro for the first 15 billing cycles (then 13.99% to 24.99% variable)
0% intro for the first 15 months (then 13.99% to 24.99% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening. Rates & Fees
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
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
0% intro for the first 9 billing cycles (then 13.99% to 24.99% variable)
13.99% to 24.99% variable
$0
Earn 20,000 bonus points when you spend $1,000 in net purchases within the first 90 days after opening your account. Rates & Fees
0% intro for the first 12 months (then 14.99% to 20.99% variable)
14.99% to 20.99% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.

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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

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.

American Express® Blue Business Cash Card

American Express® Blue Business Cash Card
Apply now
  • 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).

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

U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Apply now
  • 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).

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card
See offer
  • 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.

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 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 the longest 0% intro APR period on balance transfers and purchases, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® 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 from Chase 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

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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