Some business credit cards offer introductory 0% APR periods on purchases, balance transfers or both. These deals can be a great way to finance business expenses or reduce the interest you're paying on existing debt.
Aside from limited-time no-interest offers, the ongoing benefits and rewards you earn on purchases can be just as important to consider. Below, CNBC Select details the best 0% APR business credit cards for various needs. For more information on how we made our choices, see our methodology.
Best 0% APR business credit cards
- Best for no annual fee: Ink Business Unlimited® Credit Card (see rates and fees)
- Best for travel rewards: The Blue Business® Plus Credit Card from American Express
- Best for welcome bonus: Ink Business Cash® Credit Card (see rates and fees)
- Best for cash back: U.S. Bank Triple Cash Rewards Visa® Business Card
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Best for no annual fee
Who's this for? The Ink Business Unlimited® Credit Card is an excellent no-annual-fee business credit card to consider if you prefer flat-rate cash back credit cards.
Intro APR offer: Purchases qualify for a 0% intro APR for 12 months from account opening, then a 16.74% - 24.74% variable APR applies. The Ink Business Unlimited charges a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Best for travel rewards
Who's this for? The Blue Business® Plus Credit Card from American Express earns transferable American Express Membership Rewards® points, which means it doubles as a business travel credit card.
Intro APR offer: The Amex Blue Business Plus offers an introductory 0% APR on purchases for the first 12 months from account opening. After that, a variable 16.74% to 28.49% applies; the APR will not exceed 29.99% (see rates and fees).
The Blue Business® Plus Credit Card from American Express is a great option if you're starting a business because it's affordable, earns flexible travel rewards and offers an intro-APR on purchases for a year.
- Valuable intro-APR offer for purchases for 12 months
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs
- No annual fee
- Bonus rewards for purchases are capped
- Few useful travel insurance benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- See Rates & Fees
Balance transfer fee
N/A
Foreign transaction fee
2.7% of each transaction after conversion to US dollars.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.10% APY as of 5/19/2026
Min balance to open = $0
1.00% APY as of 06/24/2024
Min balance to open = $0
Best for welcome bonus
Who's this for? Anyone who wants to rack up rewards on popular business expenses should consider the Ink Business Cash® Credit Card. Alongside its various cash back categories, you can earn $750 after spending $6,000 on purchases in the first three months.
Intro APR offer: New cardholders are eligible for a 0% intro APR on purchases for 12 months from account opening, then a 16.74% - 24.74% variable APR applies. The Ink Business Cash charges a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater.
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 when you spend $6,000 on purchases in the first three months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Best for cash back
Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card earns cash back rewards where it matters most for small business owners.
Intro APR offer: With the U.S. Bank Triple Cash Business Card, enjoy a generous 0% intro APR for 12 billing cycles on purchases and balance transfers, then a variable 17.24% to 26.24% APR applies.
The U.S. Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee business card that earns cash back rewards on a variety of business and everyday categories.
- Annual $100 software statement credit
- Valuable welcome bonus
- Has a foreign transaction fee
- Not very rewarding for purchases you make outside of the bonus categories
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Balance transfer fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
Best Intro APR business credit cards comparison
| Annual fee | Rewards | Standout benefits | |
|---|---|---|---|
| Ink Business Unlimited® Credit Card | None | 1.5% cash back on every purchase | Travel and shopping protections |
| The Blue Business® Plus Credit Card from American Express | None* | 2X points on the first $50,000 in purchases per year, then 1X points. Terms apply. | Earns transferrable Amex Membership Rewards® points |
| Ink Business Cash® Credit Card | None | 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year; 1% cash back on all other purchases | Travel and shopping protections |
| U.S. Bank Triple Cash Rewards Visa® Business Card | None | 3% cash back at gas and EV charging stations (transactions of $200 or less; excludes discount stores/supercenters and wholesale clubs), office supply stores, cell phone service providers and restaurants; 1% cash back on all other eligible purchases | $100 software subscription credit annually |
*See rates and fees
How to choose an intro APR business credit card
When comparing intro APR offers, the length of the 0% APR period is only one part of the equation. For balance transfer offers, it's important to pay close attention to the balance transfer fee, which is typically 3% to 5% of the amount you transfer. The card issuer may also limit balance transfers to a specific amount or a certain percentage of your credit limit.
Intro APR offers on purchases are more straightforward, but you should ensure the transactions you want to make with your card qualify for 0% interest. Regardless of how you plan to use a zero-interest offer, you'll need a plan to pay off the balance off before the intro rate expires.
An intro APR offer is a one-time upfront benefit designed to entice you to apply for a credit card. Just like the top welcome bonuses, these offers alone can make it worth opening a credit card for your business. However, the amount you can save on interest isn't the only consideration.
Many intro APR deals have similar terms, so finding a card that provides additional value can be the deciding factor. Carefully consider where the credit card is most rewarding and choose an option that aligns closely with your business expenses. And don't overlook perks such as travel insurance or statement credits; in the right circumstances, these benefits can outshine the rewards you earn from spending.
How do 0% APR business credit cards work?
To take advantage of a business credit card's 0% APR offer, simply make eligible purchases or complete an eligible balance transfer within the offer timeframe. While you'll typically pay a balance transfer fee, you won't pay any interest on balances you carry during the introductory period. This can save you hundreds or thousands of dollars in interest compared to a typical business credit card APR, which can easily exceed 25%.
Aside from saving on interest each month, 0% intro APR offers have another key feature that makes them less risky than deferred interest financing. With 0% APR credit card offers, you only start accumulating interest after the offer expires. But with a deferred interest offers, if you don't pay the balance off completely, you'll be retroactively charged for interest that accumulated during the period.
Pros and cons of a 0% APR business credit card
While a 0% APR business credit card can give your business some much-needed financial flexibility, it's important to remember that the interest-free period won't last forever. Here's what you should consider before signing up for a card.
- More time to pay: Using a 0% APR card can help save you hundreds or even thousands on interest payments.
- Larger credit limit: Business cards will often have much higher credit limits than personal cards and allow you to be more flexible with your spending.
- Business benefits: Some business cards feature extra business perks, like expense management tools and free employee cards.
- More spending required: Business credit cards generally have higher spending requirements to earn welcome bonus offers or fully maximize rewards categories.
- Can be misused: With a 0% APR business card, you could get used to carrying a balance. When your intro period ends, that balance will begin generating interest, so always try and pay it off.
FAQs
What is a good APR for a business credit card?
Credit card interest rates have been on the rise, with some cards now charging more than 30%. This makes an APR in the mid to low teens a comparatively good rate.
What credit score do you need for a 0% APR business card?
You'll typically need a good to excellent credit score (670+) to qualify for a 0% APR business credit card.
Do 0% APR offers hurt your credit score?
A 0% APR offer can negatively impact your credit score if it causes you to carry a higher balance and increase your credit utilization ratio.
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Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0% APR business credit cards.
Our methodology
To determine which 0% APR business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus and foreign transaction fees, and we paid special attention to the card's introductory and standard APR.
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
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For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.
