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 0% interest 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% APR card and you’ll save on interest until you pay off your balance.

Best business credit cards with a 0% intro APR


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

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 from American Express

Simply Cash Plus Business Credit card
SimplyCash® Plus Business Credit Card from American Express

Businesses that spend up to $50,000 per year on office supplies and a category of their choice — airfare, hotel rooms, car rentals, gas, dining, advertising in select US media, shipping or computer software, 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

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 from American Express 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 October 23rd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% 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®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

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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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