The 5 Best Business Credit Cards With 0% APR in September 2025 (Up to 20 Months)
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What To Look For in a Business Card With 0% APR
The most crucial elements to look for in a business card with 0% APR will depend on what kind of 0% APR you need.
In general, there are 2 types of “0% APR” promotions on credit cards:
- 0% APR for purchases
- 0% APR on balance transfers
Having a card with 0% APR for purchases means you’ll enjoy an introductory 0% APR on new purchases.
On the other hand, having a card with a 0% APR on balance transfers allows you to defer interest on existing debt that is already on another credit card.
For example, if you have a business credit card that has around $10,000 in balances that you want to avoid interest accrual on for a little while, you should probably get a card with a 0% APR on balance transfers.
But if you are starting from scratch without any high-interest debt, it’s probably more important to get a card with 0% APR on purchases over 0% APR on balance transfers.
Top Picks (Quick Summary)
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Card | Welcome Bonus and Annual Fee | APR | Earning Rates |
Ink Business Unlimited® Credit Card  |
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| 1.5% cash-backInk Business Unlimited® Credit Card
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| Ink Business Cash® Credit Card |
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| 1%-5% cash-backInk Business Cash® Credit Card
|
The Blue Business® Plus Credit Card from American Express  |
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| 1x-2x pointsThe Blue Business® Plus Credit Card from American Express
|
The 3 Best Overall Business Credit Cards With 0% APR
1. Ink Business Unlimited® Credit Card (Top Pick, No Annual Fee, LOW Intro APR)
U.P. Rating
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 $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$0
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% 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 cardapplication.
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 17.49% - 23.49% thereafter
Pros & Cons
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Cons
- 3% foreign transaction fee
Card Highlights
- Earn $900 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
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
The Ink Business Unlimited card is one of the best 0% APR business credit cards available. If you’re a business owner looking to get rewarded on your business purchases without any caps, this is one of the best cards to use.
This credit card, which is issued by Chase, earns up to 5% cash-back on purchases:
- 5% cash-back on Lyft purchases through March 31, 2025
- 1.5% cash-back on all other purchases
The rewards earned on this card can also be converted to Ultimate Rewards points if you have the right credit card to go along with this one, such as the Chase Sapphire Preferred ® Card, for example. You can convert your Ink Business Cash card’s 1.5% cash-back to 1.5x Ultimate Rewards points, which transforms into a 3% return on your business’s spending!
Also, this credit card also has primary car rental insurance, purchase protection, extended warranty, zero fraud liability, and no additional fee for employee cards.
2. Ink Business Cash® Credit Card (No Annual Fee, LOW Intro APR)
U.P. Rating
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 $900 when you spend $6,000 on purchases in the first three months after account opening.
$900
$0
0% intro APR on purchases for 12 months; 17.49% - 25.49% 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 cardapplication.
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; variable 17.49% - 25.49% 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 at gas stations and restaurants, and 1% back on all other purchases
- Travel insurance and purchase protection
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
Card Highlights
- Earn $900 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 at gas stations and restaurants 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
Another fantastic business credit card for 0% APR, which is also issued by Chase, is the Ink Business Cash card.
Also, you’ll get up to 5% cash-back on your card’s purchases:
- 5% cash-back on Lyft purchases through September 30, 2027
- 5% cash-back on office supply stores and cellular phone, landline, internet, and cable TV services (up to $25,000 every account anniversary year in combined purchases)
- 2% cash-back at restaurants and gas stations (up to $25,000 every account anniversary year in combined purchased)
- 1% cash-back on other purchases
Just like the Ink Business Unlimited card, the Ink Business Cash card earns rewards that can easily be converted to Ultimate Rewards points if you have a Chase credit card that earns Ultimate Rewards. Specifically, you can convert at a ratio of 1% to 1x Ultimate Rewards points (1:1 ratio).
Therefore, your 5%, 2%, or 1% cash-back earnings would be converted to 5x, 2x, or 1x Ultimate Rewards points. That would allow you to get a maximum return on spending of 10%, based on our valuations of 2 cents per point.
Better yet, the Ink Business Unlimited card has primary rental car insurance, purchase protection, zero liability fraud protection, and no-cost employee cards.
3. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesU.P. Rating
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.
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.
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
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 cardapplication.
Why We Like This Card
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
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
Card Highlights
- 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, 17.49% - 27.49%, 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 beyond 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.
Financial Snapshot
- APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center
You’ll earn 2x Membership Rewards points on everyday business purchases.
This 2x multiplier applies to the first $50,000 in purchases every calendar year. After that, you’ll earn 1x points. By our valuations, earning 2x points is equivalent to a 4.4% return on spending, which is fantastic for a card without worrying about bonus categories.
The Amex Blue Business Plus card also offers access to Amex Offers and Membership Rewards points, as well as no-additional-cost employee cards (rates & fees).
The 2 Best Alternative Business Credit Cards With 0% APR
The credit cards recommended in the above section are our favorites. If none of these fit your needs, check out these alternative business credit cards.
1. The American Express Blue Business Cash™ Card
Terms Apply / Rates & FeesU.P. Rating
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 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 year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
No annual fee
0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
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 cardapplication.
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 up to $50,000 in spend, 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
Card Highlights
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, 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 up to $50,000 per calendar year, then 1%. 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 beyond 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
Financial Snapshot
- APR: 0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Cash card represents all of the simple needs a business owner might find attractive.
As far as rewards go, the structure is exceedingly simple:
- 2% cash-back on all eligible purchases of up to $50,000 every calendar year
- 1% cash-back on other purchases
Your cash-back is actually automatically credited to your statement so you don’t need to worry about redeeming any rewards — it’s done every month for you!
The Amex Blue Business Cash card still offers access to Amex Offers, and employee cards for no additional annual fees (rates & fees).
2. Capital One Spark Miles Select for Business
The Capital One Spark Miles Select card is a great choice for a 0% APR business credit card. Why? The welcome bonus offers a 0% introductory APR.
Also, get up to 5x Capital One miles on your purchases as shown below:
- 5x miles on rental car and hotel bookings via Capital One’s travel booking site
- 1.5x miles on other purchases
This card entitles you to access the Capital One Miles ecosystem, get virtual card numbers from Eno, and enjoy zero fraud liability.
Plus, you’ll have secondary rental car coverage, roadside assistance, extended warranty, no foreign transaction fees, and no-cost employee cards.