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.
Find the right credit card for your business
Answer a few quick questions, and we’ll match you to personalized card recommendations.
Here are the best 0% APR business credit cards
Here are the best 0% APR business credit cards
Sort By
2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Overall 0% APR business credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
Best for New businesses spending less than $50,000
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
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
Ink Business Cash® Credit Card
Best for Up to 5% cash back
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% back in bonus categories (with no cap)
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for Up to 3% back in bonus categories (with no cap)
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
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
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
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
Best for AmEx rewards points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Concerned about tariffs?
Many small-business owners are under increased economic stress and uncertainty following the latest tariff announcements. NerdWallet is here to help you find answers for whatever you're looking for. Here are some resources to help you get started:
- Need emergency funding? Consider a business line of credit.
- Looking for fast access to working capital? Discover the best working capital loans.
- Want tips on how to mitigate the impact of tariffs? Read our guide.
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 10, 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.
