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The 5 Best Business Credit Cards With 0% APR in November 2026
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A 0% APR business credit card can help business owners finance purchases or consolidate existing credit card debt without paying interest for a limited introductory period. Most of these cards charge no annual fee.
The longest introductory offer currently available lasts up to 18 months, though the exact window varies by card. Some 0% introductory rates apply to new purchases, others to balance transfers, and a few apply to both. Below, we’ve rounded up the top business credit cards with 0% APR offers currently available.
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Quick Overview of the Best Business Credit Cards With 0% APR
Most 0% APR business credit cards offer 12 months of interest-free financing on eligible purchases, but some extend the initial window to 18 months. The majority of these cards also charge no annual fee, making them effective for small-business financing.
Introductory 0% APR typically applies to new card purchases. The ability to get 0% APR on balance transfers varies by issuer and card.
You must make at least the minimum payment each month, and missing a required payment could void the promotional APR. Many 0% APR business cards also earn ongoing cash-back, transferable points, or miles, providing value well beyond the introductory financing period.
As High As 50,000 points. Find Out Your Offer.The Blue Business® Plus Credit Card from American ExpressAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% (rates & fees)
As High As $500. Find Out Your Offer.The American Express Blue Business Cash® CardAs High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74%. (rates & fees)
Earning 2% cash-back on eligible card purchases (up to $50,000 per year, then 1%)
First Federal Community Bank Business Zero+ Card
No welcome offer available
0% introductory APR for up to 18 billing cycles
$0
Longer-than-usual introductory APR period
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What Is a 0% APR Business Credit Card?
A 0% APR introductory period is a limited time during which eligible purchases don’t accrue interest, allowing you to carry a balance without paying finance charges (Source: Citi).
Most business credit cards offer introductory periods ranging from 12 to 18 months, giving business owners time to spread out the cost of large purchases before the ongoing variable APR takes effect.
How Do 0% APR Business Credit Cards Work?
Once you’re approved for a 0% APR business credit card, eligible purchases won’t accrue interest during the introductory period. You’ll still need to make at least the minimum payment each month. Missing a payment could cause you to lose the promotional 0% APR, depending on the card’s terms. Once the introductory period ends, the standard variable APR applies to any remaining balance (Source: Consumer Financial Protection Bureau).
What to Look for in a Business Card With 0% APR
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When comparing business credit cards with 0% APR, first determine whether you need the introductory offer for new purchases, balance transfers, or both. Then, compare the length of each introductory period, as offers typically range from 12 to 18 months and can vary by card. It’s also worth considering the card’s ongoing rewards program, since earning cash-back or rewards points on business spending can add long-term value after the introductory APR expires.
Pros and Cons of 0% APR Business Credit Cards
Pros
Introductory periods of 12 to 18 months give meaningful time to pay down large purchases interest-free.
Most 0% business cards have no annual fee, making them low-risk to hold.
Several options earn rewards or cash-back during the 0% period.
They can be useful for managing cash flow during slow revenue periods.
Cons
The standard variable APR after the introductory period can be high (typically 17% to 29%).
Missing a single minimum payment can void the 0% promotional rate on some cards, depending on the terms.
Balance transfer availability is limited, as most business 0% APR cards focus on purchases only.
Rewards earning rates are generally lower than those of other business credit cards.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
Pros & Cons
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
The Ink Business Unlimited card is one of the best 0% APR business credit cards, with 5% cash-back on Lyft purchases through September 30, 2027, and 1.5% cash-back on all other purchases. Other benefits include:
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; 16.99% - 24.99% variable thereafter.
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.99% - 24.99% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.
Pros & Cons
Pros
Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
Earn $750 when you spend $6,000 on purchases in the first 3 months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC
Financial Snapshot
APR: 0% intro APR on purchases for 12 months; 16.99% - 24.99% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Chase also issues the Ink Business Cash card, offering 5% cash-back at office supply stores and on cell phone, landline, internet, and cable TV services (up to $25,000 every account anniversary year in combined purchases), 5% cash-back on Lyft purchases through September 30, 2027, and 2% cash-back on dining and gas (up to $25,000 every account anniversary year in combined purchases). Here are the other benefits:
Primary rental car insurance, purchase protection, and extended warranty
$0 additional fee for employee cards
Pair it with a premium Chase card to convert cash-back into Ultimate Rewards points to redeem for premium travel
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
As High As 50,000 points. Find Out Your Offer.
Up to $1,100
No annual fee
16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% 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.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Plus card is the only card on this list that earns transferable rewards points on its own, with 2x Membership Rewards points on all eligible card purchases, up to $50,000 in purchases each calendar year, then 1x. Other benefits include:
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
As High As $500. Find Out Your Offer.
As High As $500
No annual fee
16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash® Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Pros & Cons
Pros
2% cash-back on the first $50,000 of purchases each calendar year, then 1% back thereafter
No annual fee
Travel and purchase protection
Cons
Not ideal for those who spend a lot on a specific category like groceries or gas
As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why 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.
Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
No Annual Fee. Terms Apply. Learn More.
Financial Snapshot
APR: 16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Cash card offers simple yet valuable cash-back rewards: 2% cash-back on all eligible purchases up to $50,000 per calendar year, then 1%. Here’s more insight into the card:
Cash-back is automatically credited to your statement each billing period
Access to Amex Offers upon enrollment
Employee cards for no additional annual fees (rates & fees)
First Federal Community Bank Business Zero+ Card
The First Federal Community Bank Business Zero+ card offers 0% introductory APR on purchases and balance transfers for up to 18 months. Here’s a look at the rewards and benefits:
5% cash-back on prepaid travel booked directly in the Travel Center
$50 annual statement credit when you spend $5,000 in the Travel Center
Cell phone protection
Can You Get a Business Credit Card With No Revenue?
Yes, you can apply for a business credit card even if your business isn’t yet earning money. On the application, state your current revenue, even if it’s $0 (Source: Citi).
However, you will need to list personal income to show the credit issuer that you can pay off your expenses as you get your business off the ground.
Can You Balance Transfer on a Business Credit Card?
Generally, balance transfers on business credit cards work the same way as on personal cards. Usually, you’ll have 30 days from the time you open the card to request the transfer, and you’ll pay a fee of 3% to 5% of the balance. You can’t transfer your balance to another card issued by the same credit card issuer (Source: Chase).
Tips for Maximizing Your Chances of Obtaining a 0% APR Business Credit Card
The best way to maximize your chance of being approved for a 0% APR business card is to have a high personal credit score and business credit score, if you have one, as credit issuers may consider both for business card approvals. Some ways to keep your score high include making payments on time and keeping your credit utilization as low as possible.
How We Selected the Best 0% APR Business Credit Cards
Upgraded Points evaluated business credit cards based on the length of their introductory 0% APR offers, annual fees, rewards programs, inclusion of balance transfers, and overall value for small business owners. These recommendations also consider ongoing benefits beyond the introductory period, such as points and miles or card perks.
Most business credit cards with 0% introductory APR offers charge no annual fee and have introductory periods of 12 to 18 months. To avoid interest charges, plan to pay off your balance before the introductory period ends.
Review the comparison table above to identify the best fit based on the length of the 0% APR period, rewards structure, and whether you need balance transfers included in those terms.
