Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business credit card with an 0% intro APR period lets you pay purchases off over time without accruing interest, which can save you big money. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months.But the best business credit cards benefit you long after their intro period ends, and that U.S. Bank card won’t help much. Instead, consider these top choices, which still offer a year of interest-free purchases plus top-rate ongoing rewards:
- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
💬 From our Nerds: Recent changes in these rankings
“The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
previously held the top spot on this page, but the issuer made some recent changes that bumped them down our list. "As of mid-2024, U.S. Bank’s intro APR offers no longer apply to balance transfers. Beyond that, this card formerly bested competitors with a 15-month intro APR offer. It now falls in line with them with a 12-month offer."
— Rosalie Murphy, lead writer covering small business
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
250+ small-business products reviewed and rated by our team of experts.
95+ 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.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
A business credit card with an 0% intro APR period lets you pay purchases off over time without accruing interest, which can save you big money. If you simply want the longest intro APR period possible, the
U.S. Bank Business Platinum Card
offers 18 months.But the best business credit cards benefit you long after their intro period ends, and that U.S. Bank card won’t help much. Instead, consider these top choices, which still offer a year of interest-free purchases plus top-rate ongoing rewards:
- Best overall intro APR business credit card:Ink Business Unlimited® Credit Card.
- Best cash-back card with a APR intro period: Wells Fargo Signify Business Cash℠ Card.
- Best travel card with an intro APR:Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
💬 From our Nerds: Recent changes in these rankings
“The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
previously held the top spot on this page, but the issuer made some recent changes that bumped them down our list. "As of mid-2024, U.S. Bank’s intro APR offers no longer apply to balance transfers. Beyond that, this card formerly bested competitors with a 15-month intro APR offer. It now falls in line with them with a 12-month offer."
— Rosalie Murphy, lead writer covering small business
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
250+ small-business products reviewed and rated by our team of experts.
95+ 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 |
|---|---|---|---|---|---|
Overall 0% APR business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $750 | 0% intro APR on Purchases for 12 months | 17.74%-23.74% Variable APR | Apply now on Chase's website |
Best for sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® 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 |
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%-25.49% Variable APR | Apply now on American Express' 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%-25.49% 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 | 4.6/5 | $350 | 0% intro APR on Purchases for 12 months | 17.74%-25.74% Variable APR | Apply now on Chase's website |
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 | 17.74%-27.74% 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 | 17.74%-27.74% 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 ⏱️ New elevated offer | 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 |
| Best for | NerdWallet rating▼ | Intro offer | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
Overall 0% APR business credit card Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $750 | 0% intro APR on Purchases for 12 months | 17.74%-23.74% Variable APR | Apply now on Chase's website |
Best for sign-up bonus U.S. Bank Business Triple Cash Rewards World Elite Mastercard® 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 |
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%-25.49% Variable APR | Apply now on American Express' 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%-25.49% 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 | 4.6/5 | $350 | 0% intro APR on Purchases for 12 months | 17.74%-25.74% Variable APR | Apply now on Chase's website |
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 | 17.74%-27.74% 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 | 17.74%-27.74% 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 ⏱️ New elevated offer | 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:
Our pick for
Overall 0% APR business credit card
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Intro offer
$750
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% Variable APR
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Intro offer
$750
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-23.74% 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 hard-to-beat 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
Our pick for
Best for sign-up bonus
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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 Business Triple Cash Rewards World Elite Mastercard®
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 gas.- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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
Our pick for
New businesses spending less than $50,000
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%-25.49% 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%-25.49% 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
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus. - 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% – 25.49%, 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
Our pick for
AmEx rewards points
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%-25.49% 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%-25.49% 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% - 25.49%, 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
Our pick for
Up to 5% cash back
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Intro offer
$350
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% 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
Intro offer
$350
Intro APR
0% intro APR on Purchases for 12 months
Regular APR
17.74%-25.74% 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
Our pick for
Up to 2.62% cash back on everything
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Intro offer
$300
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply now
on Bank of America's website
Intro offer
$300
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR
Pros
- New cardholder bonus offer
- High rewards rate
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
This card comes with a 0% APR intro period, plus an extra-high cash-back rewards rate for cardholders who also bank with Bank of America.
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Travel rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Intro offer
30,000 Points
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Intro offer
30,000 Points
Intro APR
0% intro APR on Purchases for 9 billing cycles
Regular APR
17.74%-27.74% Variable APR
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
This card's 0% APR intro period and solid sign-up bonus make it a contender for business owners seeking ongoing travel rewards.
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.74% to 27.74% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
4X points on advertising, gas
American Express® Business Gold Card
Intro offer
100,000 Points
⏱️ New elevated offer
Intro APR
0% intro APR on purchases for 6 months from the date of account opening
Regular APR
18.49%-27.49% Variable APR
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Intro offer
100,000 Points
⏱️ New elevated offer
Intro APR
0% intro APR on purchases for 6 months from the date of account opening
Regular APR
18.49%-27.49% Variable APR
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
This card historically hasn't offered a 0% intro APR period, and six months of interest-free financing may help you earn its hefty bonus.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
NerdWallet's editorial picks: Best 0% APR business credit cards
Our picks are ordered by the length of the intro APR period. Before applying, confirm details on the issuer’s website.
U.S. Bank Business Platinum Card
Best for: Longest APR intro period
NerdWallet star rating:
1.1
Intro APR offer:
0% intro APR on Purchases for 18 billing cycles, and then the ongoing APR of 16.99%-25.99% Variable APR
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.Ink Business Unlimited® Credit Card
Best for: Overall 0% APR business credit card
NerdWallet star rating:
4.9
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-23.74% Variable APR
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs. You earn 1.5%
cash back on every purchase, and the bonus offer is outstanding for a card with no annual fee: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Learn more and apply. Wells Fargo Signify Business Cash℠ Card
Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating: 5
Intro APR offer: 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 18.49% – 26.49%.
If you're looking for a cash-back business card, the Wells Fargo Signify Business Cash Card is hard to beat — it's the only business credit card on our list to offer unlimited 2% cash back on all purchases with no annual fee. On top of that, you'll get a welcome offer and 12 months of an intro APR.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Sign-up bonus
NerdWallet star rating:
4.4
Intro APR offer:
0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers a long intro APR period on purchases with a competitive, relatively easy-to-earn sign-up bonus: Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
This is also a solid cash-back card for small-business owners: 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). Earn 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.
Plus, there's no annual fee. Learn more and apply.Ink Business Cash® Credit Card
Best for: Up to 5% cash back
NerdWallet star rating:
4.6
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
The
Ink Business Cash® Credit Card
gives you bonus cash back in common business spending categories: 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 card purchases with no limit to the amount you can earn
. The bonus is great, too: 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.
Learn more and apply. The American Express Blue Business Cash™ Card
Best for: New businesses spending $50,000 or less
NerdWallet star rating:
4.5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR
The American Express Blue Business Cash™ Card
a great choice for newer businesses or those unlikely to spend more than $50,000 in a year due to its rewards structure: 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. Terms Apply.
(see rates and fees). Learn more and apply.The Blue Business® Plus Credit Card from American Express
Best for: AmEx rewards points
NerdWallet star rating:
4.5
Intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR
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 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 apply.
(see rates and fees). Learn more and apply.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Best for: Up to 2.62% cash back on everything
NerdWallet star rating:
4.6
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.74%-27.74% Variable APR
If your spending doesn't align with typical bonus categories, consider the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
. This card offers 1.5%
cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.American Express® Business Gold Card
Best for: 4X points on advertising, gas
NerdWallet star rating:
4.3
Intro APR offer:
0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.49%-27.49% Variable APR
It’s unusual for a premium card like the
American Express® Business Gold Card
to offer an intro APR period — so if you’ve been thinking about applying for this card, now might be a good time to do so. Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Terms Apply.
There’s also a hefty sign-up bonus: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
You’ll pay an annual fee of $375
for the chance to earn these rewards, though. Learn more and apply. Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: Travel rewards
NerdWallet star rating:
4.2
Intro APR offer:
0% intro APR on Purchases for 9 billing cycles, and then the ongoing APR of 17.74%-27.74% Variable APR
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
is a rare travel card that offers a 0% APR intro period. This card pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.What 0% APR business credit cards do
With a 0% APR business credit card, you’ll pay no interest on a specified number of months or billing cycles. Depending on the card, that could be six, 12 or even 18 months. During that time, you won’t be charged interest even if you don’t pay off the card in full every month.
You must still make a monthly payment, though. Failing to do so could let the issuer not only terminate your interest-free period early, but also charge you a higher penalty APR. No matter when or how your intro period ends, interest will accrue on whatever balance remains — plus on any charges you carry going forward.
When to consider a 0% APR business credit card
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 large purchases, but don’t qualify for small-business loans. 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.
How to qualify for a 0% APR business credit card
In general, you’ll need good or excellent personal credit to qualify for most business credit cards. That’s especially true for those with a 0% intro APR — you’ll typically need a FICO score of at least 690 to qualify for these cards.
For other credit ranges, check out our lists of business credit cards for bad credit (FICO below 630) and business credit cards for fair credit (FICO from 630 to 689).
Business credit card issuers generally perform a hard credit check when reviewing your application, which can temporarily affect your personal credit score.
Also, know that business credit cards require personal guarantees, which means you’ll be on the hook for any debt your business can’t pay. That’s especially important to keep in mind if you plan to use an interest-free period to finance big-ticket items.
Can your business use a 0% APR personal credit card?
There's no rule against using personal credit cards for business expenses. A personal credit card may offer you a longer 0% APR window than a business card can — or it may offer 0% APR on balance transfers, which are very rare among business cards.
Still, be cautious if you go this route.
Personal cards can be an option for sole proprietors, as long as you don't mix business and personal expenses on it. You'll also want to pay attention to your credit score if you plan to finance a major business purchase that will potentially crunch your debt-to-income ratio. Incorporated businesses — LLCs, LLPs and corporations — should avoid using a card in their personal name for business expenses altogether, as it could jeopardize their limited liability protections.
If a consumer credit card with 0% APR makes sense for your business, here are a few 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 17.49%, 23.99%, or 29.24% Variable APR
- U.S. Bank Visa® Platinum Card:0% intro APR for 18 billing cycles on purchases and balance transfers, and then the ongoing APR of 17.74%-28.74% Variable APR
- Chase Freedom Unlimited®:0% intro APR on purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.74%-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 December 20, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.