9 Best 0% APR Business Credit Cards

Jodie Price

By Jodie Price | Updated August 21, 2025

Business credit cards with 0% APR offer small business owners a valuable way to manage expenses without immediate interest. These cards can support everything from startup costs to large equipment purchases while keeping finances flexible. Introductory APR periods of 12 months or more help with growth and cash flow, often offering perks like cash back or rewards for businesses.

  • The Blue Business® Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express is designed for small business owners who want a straightforward way to earn rewards on everyday purchases. It allows users to earn points on a wide range of expenses without complex categories.

    This card provides a helpful introductory APR and allows for flexible spending with increased purchasing power. It suits businesses managing various expenses while earning rewards that do not expire.

    Earning Structure:

    • 2 Membership Rewards points per dollar spent on the first $50,000 in purchases annually
    • 1 point per dollar spent after reaching $50,000

    Welcome Bonus:

    Earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first 3 months.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 12 months
    • Variable APR: 17.49%–27.49% after intro period
    • Expanded Buying Power allows spending beyond the credit limit based on card activity
    • Foreign transaction fee applies

    Key Benefits:

    • No annual fee keeps costs low
    • Points never expire as long as the account remains active
    • Access to AmEx expense management tools
    • Flexible payment options to manage cash flow

    Redemption Options:

    Points can be transferred or redeemed for travel, gift cards, or statement credits, providing flexibility in how rewards are used.

    Credit Requirements:

    Typically requires good to excellent credit (FICO 670+).

    Spending Limitations / Potential Drawbacks:

    The 2x points rate caps at $50,000 annually, after which points are earned at a slower rate.

    Why it Works for Beginners:

    Its simple rewards structure and no annual fee make it easy for new business owners to start earning rewards without complexity or extra costs.

  • Ink Business Cash® Credit Card

    The Ink Business Cash® Credit Card is a great fit for small business owners who spend regularly on office supplies, gas, and dining. With no annual fee and generous bonus categories, it helps maximize everyday business purchases.

    The card also includes a strong welcome bonus and a full year of 0% APR on purchases, making it easier to manage upfront expenses while earning solid cash back returns.

    Earning Structure:

    • 5% cash back on up to $25,000 spent yearly at office supply stores and on phone, internet, and cable services
    • 2% cash back on the first $25,000 spent each year at gas stations and restaurants
    • 1% cash back on all other purchases

    Welcome Bonus:

    Earn $350 after spending $3,000 in the first 3 months and an additional $400 after spending $6,000 in the first 6 months.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 12 months
    • Variable APR: 17.49%–25.49% after the intro period
    • Free employee cards
    • Zero Liability Protection for unauthorized charges

    Key Benefits:

    • High cash back rates in key business categories
    • No annual fee reduces cost for small businesses
    • 0% APR period helps manage cash flow
    • Easy integration with Chase Ultimate Rewards for redemption

    Redemption Options:

    Rewards can be redeemed as statement credits, direct deposits, gift cards, travel, or online shopping.

    Credit Requirements:

    Generally requires good to excellent credit (FICO score of 670 or higher).

    Spending Limitations / Potential Drawbacks:

    Bonus cash back rates are capped annually, and non-bonus purchases earn only 1%.

    Why it Works for Beginners:

    It offers straightforward rewards, no annual fee, and a long introductory APR, making it suitable for new business owners learning to manage credit.

  • Ink Business Unlimited® Credit Card

    The Ink Business Unlimited® Credit Card is ideal for business owners who prefer simplicity over tracking categories. It offers flat-rate cash back on every purchase, with no need to manage rotating bonuses or spending limits.

    This card also includes a full year of 0% APR on purchases and a generous welcome bonus, making it a solid pick for businesses with diverse spending needs.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase
    • No caps or category restrictions

    Welcome Bonus:

    Earn a $750 bonus cash back after spending $6,000 in the first 3 months.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 12 months
    • Variable APR: 17.49%–23.49% after the intro period
    • Free employee cards with spending controls
    • Zero Liability Protection and 24/7 fraud monitoring
    • Foreign transaction fees apply

    Key Benefits:

    • Simple, flat-rate cash back rewards
    • Long 0% APR period helps with large purchases or transfers
    • Access to Chase Ultimate Rewards® for additional perks
    • No annual fee reduces ongoing costs

    Redemption Options:

    Rewards can be redeemed as statement credits, direct deposits, gift cards, or travel through Chase Ultimate Rewards®.

    Credit Requirements:

    Typically requires good to excellent credit (FICO score of 670 or above).

    Spending Limitations / Potential Drawbacks:

    There are no bonus categories, and foreign transaction fees may apply when used internationally.

    Why it Works for Beginners:

    Its simple rewards and no annual fee make it easy to understand and manage for those new to business credit cards.

  • U.S. Bank Triple Cash Rewards Visa® Business Card

    The U.S. Bank Triple Cash Rewards Visa® Business Card is built for businesses that frequently spend in categories like gas, dining, and office supplies. With no annual fee and multiple ways to earn cash back, it’s tailored to local and service-focused operations.

    It also features tools for expense management and provides a generous intro offer, making it a practical option for business owners looking to simplify rewards and control spending.

    Earning Structure:

    • 3% cash back at gas and EV charging stations (on transactions $200 or less), office supply stores, cell phone service providers, and restaurants
    • 1% cash back on all other eligible purchases
    • 5% cash back on prepaid hotels and car rentals booked through the Rewards Center

    Welcome Bonus:

    Earn $500 cash back after spending $4,500 on the Account Owner’s card in the first 150 days.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for a limited period (exact duration not specified)
    • Variable APR: 17.99%–26.99%
    • No limit on total cash back earned
    • $100 annual statement credit for recurring software subscriptions (e.g., QuickBooks or FreshBooks)

    Key Benefits:

    • Year-long 0% APR period helps with managing business expenses
    • Bonus cash rewards on common business categories
    • Easy access to additional rewards through the Rewards Center
    • $100 annual statement credit after 11 consecutive monthly payments

    Redemption Options:

    Cash back rewards can be redeemed as statement credits, direct deposits, or gift cards.

    Credit Requirements:

    Typically requires good to excellent credit (FICO score of 670 or above).

    Spending Limitations / Potential Drawbacks:

    The 3% cash back at gas and EV stations is limited to transactions of $200 or less, and non-bonus purchases earn only 1%.

    Why it Works for Beginners:

    The no-annual fee and long 0% APR make it a low-risk choice for new business credit users focused on rewards and cash flow.

  • The American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ Card is built for business owners who want simple, automatic cash back without tracking categories. With no annual fee and a generous 2% back on everyday purchases, it’s a low-maintenance card that supports everyday operations.

    The card also features Expanded Buying Power, letting users spend above their limit when needed, making it flexible for businesses with unpredictable or growing needs.

    Earning Structure:

    • 2% cash back on all eligible purchases up to $50,000 per calendar year
    • 1% cash back on purchases beyond $50,000 annually
    • Cash back is automatically credited to your statement

    Welcome Bonus:

    Earn a $250 statement credit after spending $3,000 in the first 3 months.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 12 months
    • Variable APR: 17.49%–27.49% after the intro period
    • Expanded Buying Power to exceed your credit limit based on payment behavior
    • Foreign transaction fees apply

    Key Benefits:

    • Flat-rate cash back simplifies rewards
    • Long intro APR period helps with cash flow
    • No annual fee reduces cost of ownership
    • Purchase protection and other AmEx business benefits

    Redemption Options:

    Cash back rewards are redeemed as statement credits, making it easy to lower the card balance.

    Credit Requirements:

    Requires good to excellent credit (FICO score of 670 or above).

    Spending Limitations / Potential Drawbacks:

    The 2% rate applies only to the first $50,000 in annual purchases; all spending beyond that earns 1%.

    Why it Works for Beginners:

    Its simple cash back model and no annual fee make it easy for new business owners to understand and use.

  • Signify Business Cash℠ Card by Wells Fargo

    The Signify Business Cash℠ Card by Wells Fargo is designed for small businesses seeking a simple and effective cash back card. It offers a straightforward rewards structure focused on business purchases.

    This card appeals to companies that want consistent returns on spending without managing multiple reward categories. It also provides a 0% introductory APR period to ease cash flow in the first year.

    Earning Structure:

    • Unlimited 2% cash back on all qualified business purchases

    Welcome Bonus:

    Earn a $500 cash rewards bonus after spending $5,000 in the first 3 months.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 1 year
    • Variable APR: 17.49%–25.49% after the intro period
    • Free employee cards
    • Complimentary Priority Pass membership, though lounge entry fees apply
    • Foreign transaction fees apply
    • Balance transfers not permitted
    • Must have a Wells Fargo checking or savings account open for at least 2 months to apply online

    Key Benefits:

    • Flat-rate cash back simplifies rewards tracking
    • Extended intro APR helps manage early expenses
    • No rewards expiration as long as account is open
    • Helps improve cash flow with no yearly cost

    Redemption Options:

    Cash rewards are automatically applied to your account as a statement credit or can be redeemed for other eligible options via Wells Fargo.

    Credit Requirements:

    Requires good to excellent credit (FICO score of 670 or above).

    Spending Limitations / Potential Drawbacks:

    Foreign transaction fees apply, and there are no bonus categories or points transfer options to boost reward value.

    Why it Works for Beginners:

    The flat 2% rewards and no annual fee make it easy to use, though eligibility is limited to existing Wells Fargo banking customers.

  • State Farm® Business Cash Rewards Visa Signature® Card

    The State Farm® Business Cash Rewards Visa Signature® Card is tailored for business owners who want reliable rewards in everyday spending categories, including rare cash back on insurance premiums. It’s a solid, fee-free option with helpful perks like software credits and purchase protections.

    This card also supports balance transfers with an intro APR offer, making it more versatile than many competitors, especially for businesses managing startup costs or debt.

    Earning Structure:

    • 3% cash back on insurance premium payments, up to $4,000 annually
    • 3% cash back at gas and EV stations (transactions of $200 or less), dining, cell phone service providers, and office supply stores
    • 1% cash back on all other eligible purchases

    Welcome Bonus:

    There is usually no large welcome bonus, as the card focuses on steady rewards and useful business features.

    Card Details:

    • Annual fee: $0
    • Variable APR: 18.24%–27.24%
    • $100 annual software subscription credit
    • Up to $200 in auto insurance deductible reimbursement
    • Cellphone protection and purchase security
    • No foreign transaction fees

    Key Benefits:

    • 3% cash back on important business spending categories
    • Introductory low rate on balance transfers helps reduce debt costs
    • Insurance and purchase protection offered with Visa Signature status
    • Helps improve cash flow by maximizing reward returns

    Redemption Options:

    Rewards redemption is more limited than other cards and primarily applies to statement credits or eligible business-related costs.

    Credit Requirements:

    Typically requires good to excellent credit (FICO score of 670 or higher).

    Spending Limitations / Potential Drawbacks:

    No welcome bonus, and reward redemptions are more limited compared to other business cards.

    Why it Works for Beginners:

    Its wide 3% categories, balance transfer option, and no annual fee make it practical for newer business owners managing varied expenses.

  • Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card

    This card is designed for small business owners who want control over their cash back rewards. It lets users choose a category to earn higher cash back while getting rewards on other purchases, too.

    It offers simplicity with no annual fee and a 0% intro APR on purchases for the first nine billing cycles. This can help businesses manage expenses without interest during that time.

    Earning Structure:

    • 3% cash back in the category of your choice (default is gas/EV charging; other options include office supplies, travel, telecom, computer services, or consulting)
    • 2% cash back on dining
    • 1% cash back on all other purchases
    • 3% and 2% rewards apply to the first $50,000 in combined spending per calendar year; 1% thereafter
    • Preferred Rewards for Business members can earn up to 75% more on all cash back categories

    Welcome Bonus:

    Earn a $300 statement credit after spending $3,000 in the first 90 days.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases for 9 billing cycles
    • Variable APR: 17.49%–27.49% after the intro period
    • Cash back doesn’t expire while the account remains open
    • Contactless card with chip security
    • Foreign transaction fees apply
    • Category can be changed monthly via online banking or the mobile app

    Key Benefits:

    • Customizable rewards category to fit business spending
    • Higher rewards potential for Bank of America business customers
    • Simplified cash back system with no caps on dining rewards
    • Useful for controlling short-term expenses with intro APR

    Redemption Options:

    Cash rewards can be redeemed as a deposit to Bank of America accounts, a mailed check, or a statement credit.

    Credit Requirements:

    Typically requires excellent credit (FICO score of 740 or higher).

    Spending Limitations / Potential Drawbacks:

    Bonus category spending is capped at $50,000 per year, and the intro APR doesn’t apply to balance transfers.

    Why it Works for Beginners:

    The card’s straightforward cash back system and no annual fee make it easy for new business owners to earn rewards while managing cash flow.

  • U.S. Bank Business Platinum Card

    The U.S. Bank Business Platinum Card is designed to help businesses manage large expenses with flexible payment options. It offers an extended 0% introductory APR period that can ease the cost of purchases and balance transfers.

    This card is a solid choice for businesses needing time to pay off debt without interest. It also includes tools to monitor and control business spending efficiently.

    Earning Structure:

    • This card does not offer a rewards program

    Welcome Bonus:

    There is no specific welcome bonus available with this card.

    Card Details:

    • Annual fee: $0
    • 0% intro APR on purchases and balance transfers for 12 billing cycles
    • Variable APR: 16.99%–25.99% after the intro period
    • U.S. Bank Spend Management platform for monitoring and controlling business spending
    • High balance transfer fees may apply

    Key Benefits:

    • Long introductory 0% APR period helps with cash flow
    • No annual fee reduces cost of ownership
    • Access to U.S. Bank Spend Management tools for controlling expenses
    • Useful for balance transfers with lower interest rate

    Redemption Options:

    This card does not offer rewards, so no redemption options are available.

    Credit Requirements:

    Typically requires good to excellent credit (FICO score of 670 or higher).

    Spending Limitations / Potential Drawbacks:

    No rewards or travel perks, and balance transfers may come with high fees.

    Why it Works for Beginners:

    Its no annual fee and long 0% APR period makes it an easy option for small businesses new to credit cards.

Frequently Asked Questions

What factors should be considered when choosing a 0% APR business credit card?

The length of the introductory APR is key, as it determines how long purchases or transfers stay interest-free. Also consider annual fees, ongoing APR, and whether the card includes rewards. Cards like the American Express Blue Business Cash™ or Ink Business Unlimited® combine low cost with earning potential.

How does the length of the 0% APR introductory period impact my business finances?

A longer 0% APR period gives your business more time to pay off expenses without interest, improving cash flow. This is especially useful for larger purchases or startup costs. Shorter periods may lead to earlier interest charges, adding to overall costs.

What are the benefits of using a business credit card with a lengthy 0% introductory APR period?

It allows you to manage major purchases or consolidate debt without immediate interest. This can free up capital for growth or emergencies. Cards like the U.S. Bank Business Platinum Card are ideal for this strategy.

Are there any 0% APR business credit cards that also offer rewards or cash back?

Yes, several cards offer both 0% APR and rewards, such as the Ink Business Cash® and Blue Business® Plus from American Express. These let you earn points or cash back on spending while delaying interest. Bonus categories often include office supplies, dining, and gas.

What are the eligibility requirements for securing a no-interest business credit card?

You’ll typically need good to excellent credit and basic business info like revenue and structure. Some cards accept sole proprietors and startups, while others prefer established businesses. Verification of income and banking history may be required.