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Interest-free business credit cards

Add flexibility into your cash flow at no cost with 0% interest business credit card deals…if you can find one.

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By

Grace Fletcher-Hackwood

Updated

Fact checked
While there are plenty of 0% deals for personal credit card customers, don't expect to find many business interest-free credit cards. There aren't a lot to choose from, and the few cards that do exist don’t offer especially long interest-free periods. We’ve uncovered the 0% interest options open to you.

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1 - 10 of 10
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Name Product Ratings Customer rating Finder rating Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Barclaycard Premium Plus Business Credit Card Mastercard
CASHBACK
Barclaycard Premium Plus Business Credit Card Mastercard
Finder score
★★★★★
Not yet rated
★★★★★
Expert analysis
0% for 6 months reverting to 20.2%
£150 per annum
0.5% cashback
56.8% APR (variable)
Go to site
More Info
2 complimentary airport lounge passes annually, worldwide travel cover, discounted forex rates plus 0.5% cashback on eligible spend with a cap of 400 per year. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 20.2% (variable) p.a. with a fee of £150 per annum, your representative rate is 56.8% APR (variable).
Metro Bank Business credit card (only available to existing business customers)
Metro Bank Business credit card (only available to existing business customers)
Finder score
★★★★★
Not yet rated
★★★★★
Expert analysis
14.9%
£0
N/A
14.9% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a., your representative rate is 14.9% APR (variable).
HSBC Commercial Credit Card Visa
HSBC Commercial Credit Card Visa
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
15.9%
Year 1 - £0, Year 2 onwards - £32 per annum
N/A
22% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £32 per annum, your representative rate is 22% APR (variable).
Lloyds Bank Business Credit Card (only available to existing business customers)
Lloyds Bank Business Credit Card (only available to existing business customers)
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
16.3%
£32 per annum
N/A
22.4% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.3% (variable) p.a. with a fee of £32 per annum, your representative rate is 22.4% APR (variable).
Bank of Scotland Business Credit Card Mastercard
Bank of Scotland Business Credit Card Mastercard
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
16.3%
£32 per annum
N/A
22.4% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.3% (variable) p.a. with a fee of £32 per annum, your representative rate is 22.4% APR (variable).
Clydesdale Bank Business Credit Card
Clydesdale Bank Business Credit Card
Finder score
★★★★★
Not yet rated
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £28 per annum
N/A
22.4% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £28 per annum, your representative rate is 22.4% APR (variable).
Yorkshire Bank Business credit card
Yorkshire Bank Business credit card
Finder score
★★★★★
Not yet rated
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £28 per annum
N/A
22.4% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £28 per annum, your representative rate is 22.4% APR (variable).
NatWest Business Credit Card (only available to existing business customers)
NatWest Business Credit Card (only available to existing business customers)
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
RBS Business Credit Card (only available to existing business customers)
RBS Business Credit Card (only available to existing business customers)
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
Santander Business Cashback Credit Card Mastercard
Santander Business Cashback Credit Card Mastercard
Finder score
★★★★★
User survey
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
18.9%
£30 per annum (per business, not per card)
1% cashback
23.7% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £30 per annum, your representative rate is 23.7% APR (variable).
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Business 0% purchase credit cards

Just as with personal credit cards, these business credit cards charge no interest on new purchases for the length of the introductory period. Whether you’re planning a big purchase (like a new copier) or facing an emergency (like an exploded copier), an 0% purchase card is an affordable way to spread the cost.

It’s easy to find personal credit cards with a 0% period of 10 months or more, but 0% deals on business credit cards don’t normally last longer than 6 months. If you need more time, you may want to consider a different form of business finance. (If your business is a startup, read our guide to find out if you’re eligible for startup business loan.)

When will I be charged interest on a 0% purchase business credit card?

You’re temporarily off the hook when it comes to new purchases go. However, there are still circumstances in which you can be charged interest on this type of card. Specifically:

  • After the end of the 0% introductory period. Sorry for playing Captain Obvious here, but don’t forget that the 0% deal won’t last forever. Once it’s over, whatever is left of your balance will accrue interest at the card’s standard rate.
  • On cash advances. 0% deals don’t usually apply to cash advances. These will usually start accruing interest on the day they’re taken out.
  • If you don’t meet the minimum payment. Even with a 0% purchase credit card, you still need to make payments every month and meet the minimum payment at the very least. If you don’t, you could be charged a late payment fee, your 0% offer could be withdrawn and your credit score could be impacted.

It’s also worth bearing in mind that 0% purchase business credit cards don’t usually allow balance transfers.

Business credit cards with interest-free days

While few business credit card providers offer 0% deals, almost all offer fairly long billing cycles, of up to 56 days. This means that your January credit card payment won’t be due until towards the end of February, and so on.

In practice, if you buy something expensive on the very first day of your billing cycle (say, 1 November), you could have 55 days to pay it back before it starts accruing any interest. Conversely, if you buy it on the last day of the month (say, 30 November), you’ll still have 25 days before your payment is due. Be aware that interest-free days only apply if you clear your balance in full every month.

While not as long as a 0% deal, this feature can help you even out your business cash flow without costing you a penny.

What does “up to 55 days interest-free” really mean?

How about business balance transfer credit cards?

Long story short, there are no 0% deals on business balance transfer credit cards at the time of writing. From our experience, that’s unlikely to change anytime soon.

However, if you’ve got a bulky balance building up on a business credit card that charges a hefty interest rate, you do have options.

Many business credit cards do allow balance transfers, and some offer 0% balance transfer fees. This means if you qualify for a card with a lower rate than you’re currently paying, you can move your balance to the cheaper card, fee-free. The savings won’t be as impressive as you’d get with a 0% offer. Do your maths and make sure you’re definitely moving to a better deal.

Compare business balance transfer credit cards

How do I compare 0% business credit cards?

There aren’t many to choose from, but these are the things you should look for to find the best interest-free business credit card for you:

  • Length of the 0% period. This is the essential information you need to decide if a credit card will give you enough time to pay back your purchase.
  • Revert rate. Since business 0% deals aren’t very long, this is an especially important factor. It tells you how much you’ll be charged in interest once the intro period is over.
  • Annual fee. Many business credit cards charge one. Make sure the savings you can make with this card outweigh the cost.
  • Rewards and perks. Some business credit cards offer reward points or nice perks, like airport lounge access. They’re worth taking into account, and could make the annual fee better value.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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