Best 0% APR business credit cards
- American Express® Business Gold Card: Best for 4X points on advertising, gas.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for up to 2.62% cash back on everything.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for travel rewards.
- Ink Business Unlimited® Credit Card: Best for overall 0% APR business credit card
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx reward points.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% back in bonus categories (with no cap).
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for 0% intro APR cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Best 0% APR business credit cards
- American Express® Business Gold Card: Best for 4X points on advertising, gas.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for up to 2.62% cash back on everything.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best for travel rewards.
- Ink Business Unlimited® Credit Card: Best for overall 0% APR business credit card
- Ink Business Cash® Credit Card: Best for up to 5% cash back.
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx reward points.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for up to 3% back in bonus categories (with no cap).
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back and no annual fee.
While all of our picks for 0% intro APR cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best 0% APR business credit cards
| Best for | NerdWallet rating▼ | Intro offer | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
 Best Small Business Credit Card 2025 Ink Business Unlimited® Credit Card Apply now on Chase's website Rates & Fees | 4.9/5 | $750 | 0% intro APR on Purchases for 12 months | 17.49%-23.49% Variable APR | Apply now on Chase's website Rates & Fees |
New businesses spending less than $50,000 The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 4.5/5 | $250 | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
Up to 5% cash back Ink Business Cash® Credit Card Apply now on Chase's website Rates & Fees | 4.6/5 | $350 | 0% intro APR on Purchases for 12 months | 17.49%-25.49% Variable APR | Apply now on Chase's website Rates & Fees |
Up to 3% back in bonus categories (with no cap) U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees | 4.4/5 | $750 | 0% intro APR for 12 billing cycles on purchases | 17.99%-26.99% Variable APR | Apply now on U.S. Bank's website Rates & Fees |
AmEx rewards points The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | 15,000 Points | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
Up to 2.62% cash back on everything Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.6/5 | $300 | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website |
Travel rewards Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 4.2/5 | 30,000 Points | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website |
4X points on advertising, gas American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.3/5 | 100,000 Points | 0% intro APR on purchases for 6 months from the date of account opening | 18.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
| Credit card | Best for | NerdWallet rating | Intro offer | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website Rates & Fees | BEST SMALL BUSINESS CREDIT CARD OF 2025 | 4.9/5 | $750 | 0% intro APR on Purchases for 12 months | 17.49%-23.49% Variable APR | Apply now on Chase's website Rates & Fees |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | Best for New businesses spending less than $50,000 | 4.5/5 | $250 | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
Ink Business Cash® Credit Card Apply now on Chase's website Rates & Fees | Best for Up to 5% cash back | 4.6/5 | $350 | 0% intro APR on Purchases for 12 months | 17.49%-25.49% Variable APR | Apply now on Chase's website Rates & Fees |
U.S. Bank Triple Cash Rewards Visa® Business Card Apply now on U.S. Bank's website Rates & Fees | Best for Up to 3% back in bonus categories (with no cap) | 4.4/5 | $750 | 0% intro APR for 12 billing cycles on purchases | 17.99%-26.99% Variable APR | Apply now on U.S. Bank's website Rates & Fees |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | Best for AmEx rewards points | 4.4/5 | 15,000 Points | 0% intro APR on purchases for 12 months from the date of account opening | 17.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | Best for Up to 2.62% cash back on everything | 4.6/5 | $300 | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | Best for Travel rewards | 4.2/5 | 30,000 Points | 0% intro APR on Purchases for 9 billing cycles | 17.49%-27.49% Variable APR | Apply now on Bank of America's website |
American Express® Business Gold Card Apply now on American Express' website Rates & Fees | Best for 4X points on advertising, gas | 4.3/5 | 100,000 Points | 0% intro APR on purchases for 6 months from the date of account opening | 18.49%-27.49% Variable APR | Apply now on American Express' website Rates & Fees |
I'M INTERESTED IN:
Best Small Business Credit Card 2025
Best Small Business Credit Card 2025
Intro offer
$750
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-23.49% Variable APR
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The
Ink Business Unlimited® Credit Card
offers a balance of simplicity and rewards that is hard to beat. There's a long intro APR period, a stellar rewards rate and an excellent sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 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
- Member FDIC
View Rates & Fees
The American Express Blue Business Cash™ Card
Intro offer
$250
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-27.49% Variable APR
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Intro offer
$250
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-27.49% Variable APR
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
is a great option for new businesses with smaller budgets. You'll earn 2% back on the first $50,000 spent each year, then 1% after that. There's also a small but attainable welcome bonus, plus a yearlong intro APR period.- 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
View Rates & Fees
Intro offer
$350
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.49%-25.49% Variable APR
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
The
Ink Business Cash® Credit Card
gives you a long intro APR period, plus bonus cash back in common business spending categories, like gas stations and restaurants.- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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
View Rates & Fees
U.S. Bank Triple Cash Rewards Visa® Business Card
Intro offer
$750
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
17.99%-26.99% Variable APR
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Intro offer
$750
Intro APR
0% intro APR for 12 billing cycles on purchases
Regular APR
17.99%-26.99% Variable APR
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
The
U.S. Bank Triple Cash Rewards Visa® Business Card
is a triple-threat business credit card, with a solid intro APR period, a generous sign-up bonus and great cash-back rewards, including 3% on common business expenses. Plus, there's no cap on how much you can earn at that higher rate, which is rare among business cards with bonus categories.- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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.
View Rates & Fees
The Blue Business® Plus Credit Card from American Express
Intro offer
15,000 Points
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-27.49% Variable APR
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Intro offer
15,000 Points
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
17.49%-27.49% Variable APR
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
is a virtual twin of The American Express Blue Business Cash™ Card
. The key difference: It earns AmEx Membership Rewards points rather than cash back.- 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.
View Rates & Fees
The following cards either have an intro APR period shorter than 12 months or aren't currently available through NerdWallet.
Intro APR offer:
0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.49%-27.49% Variable APR
.NerdWallet star rating:
4.3
This card historically hasn't offered a 0% intro APR period, so while short, the six months of interest-free financing is noteworthy. You can also earn up to 4X points on advertising, software, gas stations, restaurants, transit and wireless service (only purchases made in the U.S. qualify). Terms apply.
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR
.NerdWallet star rating:
4.2
This card's 0% APR intro period is less than a year, but it's also one of the only travel rewards cards to offer such a perk.
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.49%-27.49% Variable APR
.NerdWallet star rating:
4.6
This card has a shorter 0% APR intro period, but offers the potential to earn a stellar cash-back rewards rate for cardholders who also bank with Bank of America and can qualify for its Preferred Rewards for Business program.
Intro APR offer: 0% APR for the first 13 months on purchases and balance transfers, when the balance is transferred within the first 90 days following account opening. Then an ongoing variable APR of 16.24% to 26.24%.
NerdWallet star rating: 3.5
Very few business credit cards offer a 0% intro APR period of balance transfers — the PNC Visa Business Credit Card is one of them. The card doesn't earn rewards, though, so its utility is limited to the 13-month intro APR period. Still, it's a great option if you want to consolidate and pay off high-interest business credit card debt. Note: You need to be a PNC business checking customer to apply online.
Intro APR offer:
0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 16.99%-25.99% Variable APR
NerdWallet star rating:
1.1
The APR intro period on the
U.S. Bank Business Platinum Card
is far longer than what you'll find on competing cards. But beyond that, the card has minimal value, as it offers no ongoing rewards. Consider it if your top priority is the longest possible time to pay off purchases with no interest; otherwise, look elsewhere.Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR
.NerdWallet star rating:
5
This is the only business credit card from a major issuer to offer unlimited 2% cash back on all purchases with no annual fee. But you can't apply online if you're not an existing Wells Fargo customer.
With a 0% APR business credit card, you’ll pay no interest on purchases for a specified number of months. You still need to pay the minimum due each billing cycle, though. Fail to do so, and you'll get hit with a penalty APR and likely have your interest-free period canceled.
Almost any entrepreneur can benefit from a 0% APR business credit card. It's essentially an interest-free loan — at least for a little while. But these cards can be especially beneficial in the following instances:
- You're starting a new business. A 0% APR business card can be a good business credit card for startups. You can use these cards to finance business expenses while you’re building cash flow.
- You need to finance a large purchase. Business loans charge interest from the start. So even if you can qualify for one, using a credit card with a 0% APR intro offer and paying it off quickly may be a cheaper form of financing.
- You have a pay-off plan. You have to pay the ongoing APR on any outstanding balance after an intro APR period ends — and those interest rates tend to be high. If you might take months or even years beyond an intro APR period to pay off your debt; using a credit card may be very expensive in the long run.
You need a personal FICO score of at least 690 to qualify for most 0% APR business credit cards. Issuers will also ask about your annual revenue and time in businesses, but those play a smaller role in whether you're approved. New business owners with no established revenue can still be approved for a 0% business card.
Yes, you can use a 0% APR personal card for business expenses. You'll likely get a longer 0% APR window with a personal card versus a business card. Some personal cards offer 0% APR on balance transfers, too, which is very rare among business cards.
There are some downsides to consider, though. Financing a major business purchase on a 0% APR personal card could push your credit utilization higher and, as a result, lower your personal credit score. And incorporated businesses — LLCs, LLPs and corporations — could jeopardize their limited liability protections by using a card in their personal name for business expenses.
If a consumer credit card with 0% APR makes sense for your business, here are a couple to consider:
- Wells Fargo Reflect® Card:0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 17.24%, 23.74%, or 28.99% Variable APR
- Chase Freedom Unlimited®:0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 18.99%-28.49% Variable APR
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
To view rates and fees of the
American Express® Business Gold Card
, see this page.To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.Last updated on April 4, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
