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 a long intro APR business card

U.S. Bank Business Platinum

  • 0% intro APR on purchases and balance transfers for the first 20 billing cycles. After that, variable APR currently 12.24% - 20.24%
  • No annual fee
  • Free employee cards
  • Zero fraud liability protects you against unauthorized transactions
  • This product is available in the following states:
  • AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY
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Compare 0% intro APR business cards

Name Product Purchase APR Balance Transfer APR Annual Fee Filter values
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
0% intro for the first 12 months (then 15.49% to 21.49% variable)
0% intro for the first 12 months (then 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. Rates & fees
0% intro for the first 15 months (then 14.49% to 21.49% variable)
N/A
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
0% intro for the first 12 months (then 15.49% to 21.49% variable)
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
0% intro for the first 9 billing cycles (then 13.49% to 23.49% variable)
13.49% to 23.49% variable
$0
Earn 25,000 points after spending $1,000 in the first 60 days from account opening.

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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.

Quick look at 0% intro APR business cards

The Blue Business‎℠ Plus Credit Card from American Express

The Blue Business‎℠ Plus Credit Card from American Express
Apply now

  • 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.

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
Apply now

  • Get this card if: You spend a lot on office supplies.
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.

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

  • 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 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 June 27th, 2019
Name Product Rewards Purchase APR Annual Fee
N/A
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
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
0% intro for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% intro for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

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.

Rates and fees

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