The 5 Best Business Credit Cards With 0% APR in September 2023 (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)
| Card | Welcome Bonus and Annual Fee | Benefits |
| Ink Business Cash® Credit Card |
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| Ink Business Unlimited® Credit Card |
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| The Blue Business® Plus Credit Card from American Express |
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The 3 Best Overall Business Credit Cards With 0% APR
In this section, we’ll walk you through our 3 favorite business cards with 0% APR.
1. Ink Business Cash® Credit Card (Top Pick, No Annual Fee)
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy 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 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
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
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- No annual fee
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 3% foreign transaction fees
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Chase Ink Business Cash $900 Welcome Bonus Offer
- Benefits of the Chase Ink Business Cash
- Ink Business Cash vs Ink Business Preferred
- Ink Business Cash vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Cards with No Annual Fee
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
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 March 31, 2025
- 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.
2. Ink Business Unlimited® Credit Card (No Annual Fee)
Ink Business Cash® Credit Card
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.
Ink Business Cash® Credit Card
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.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 18.49% - 24.49% thereafter
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- Earn flexible rewards
Cons
- 3% foreign transaction fee
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
- 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.
- 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
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance
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 fee-free employee cards.
3. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesThe Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.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
- 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
- Charges foreign transaction fees
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Card Categories
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 and 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 & FeesThe American Express Blue Business Cash™ Card
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.
The American Express Blue Business Cash™ Card
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.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
- 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
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Card Categories
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 and 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 Travel
- 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.
Final Thoughts
Overall, you have plenty of options for business credit cards with 0% APR, especially if you’re focused on 0% APR on purchases. That said, wouldn’t it be better if you got a business card with 0% APR and great rewards?
In this guide, we narrowed down our top picks on what the best business credit cards are for 0% APR. All of these cards are generally available to U.S. applicants nationwide without having to worry about being a resident of a specific state.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.