5 Business Credit Cards With 0% APR Promotional Financing

5 Business Credit Cards With 0% APR Promotional Financing

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Business credit cards are a popular option for making purchases for your business. But running up debt on a credit card that you can’t quickly pay back in full can be risky business because of the annual percentage rate (APR) associated with the card. This begs the question: are there 0% APR business credit cards?

Thankfully, there are several business credit cards that can offer interest-free promotional financing on new purchases, or zero percent APR on balance transfers, or even both. In addition, these cards allow you to earn valuable rewards from your business purchases.

First, let’s take a look at business credit cards that feature 0% APR promotional financing offers for new purchases.

5 Options for 0% APR Business Credit Cards

Card name Intro APR Offer Annual Fee
The Blue Business℠ Plus Credit Card from American Express 0% on purchases for 15 months $0
Ink Business Cash℠ Credit Card 0% Intro APR on Purchases for 12 months $0
Capital One® Spark® Cash Select for Business 0% on purchases for 9 months $0
GM BuyPower Business Card from Capital One® 0% Intro APR on purchases for the first 12 months $0
SimplyCash® Plus Business Credit Card from American Express 0% on purchases for 15 months $0

Should Your Small Business Apply for a 0% APR Business Credit Card?

All of the cards mentioned above offer great introductory APR offers, but they do have strict credit requirements. Make sure you know your credit scores before applying (you can check your personal and business credit and approval odds for these cards with with a free Nav account).

Additionally, new businesses need to be careful running up purchases on a business credit card, even one with 0% APR. Forecasting your revenue and expenses will be important to figuring out if you’ll be able to pay the credit card debt back before the full purchase APR kicks in.

Interest Free Business Credit Cards on New Purchases

1. The SimplyCash® Plus Business Credit Card

SimplyCash® Plus Business Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

SimplyCash® Plus Business Credit Card from American Express

Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that Learn More

This card currently offers 0% on purchases for 15 months, a great offer for businesses needing to make new business purchases and carry a balance for a year or more. After the 15-month introductory period, the APR is 14.24% - 21.24% Variable.

While there’s no bonus offer for this card, it offers some of the best cash back rates: 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. 3% on the category of your choice from a list of eight and 1% cash back on other purchases. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.

2. Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your Learn More

This card features promotional financing, a cash rewards bonus and strong cash back on every purchase. New account holders will enjoy 0% on purchases for 9 months, followed by a standard interest rate of 14.74% - 22.74% (Variable) APR, depending on your creditworthiness. New customers also receive $200 Cash Back once you spend $3,000 on purchases within 3 months from account opening. And all purchases receive 1.5% Cash Back on every purchase, every day., with no limits. There is $0 annual fee for this card, and no foreign transaction fees. (Editor’s Note: This card’s details were updated in March 2018.)

3. GM BuyPower Business Card from Capital One

GM BuyPower Business Card from Capital One®

3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other Learn More

This innovative card offers introductory financing and rewards that can be used for the lease or purchase of a new GM vehicle. You get a 0% Intro APR on purchases for the first 12 months, followed by a standard interest rate of 18.74% (Variable). (Editor’s Note: This article was updated in March 2018 to reflect new terms.)

You also get 5% Earnings on purchases of GM parts, accessories and service at authorized GM Dealers. 3% Earnings on purchases at gas stations, restaurants and office supply stores. 1% Earnings on all other purchases. There’s $0 fee for this card and no foreign transaction fees.

Interest-Free Offers for New Purchases and Balance Transfers

Here are two business credit cards that offer limited-time 0% interest APRs for both new purchases and balance transfers.

1. Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account Learn More

With this card, new applicants get 0% Intro APR on Purchases for 12 months. After the promotional financing expires, you’ll have a APR of 14.99% - 20.99% Variable depending on your credit history.

New cardholders Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. This card also offers business owners the chance to Earn 5% cash back in select business categories.. Earn 5% cash back in select business categories.

2. The Blue Business℠ Plus Credit Card from American Express

The Blue Business℠ Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X points on everyday business purchases such as Learn More

This card carries a strong financing offer and impressive rewards. New applicants receive 0% on purchases for 15 months. Following that, a 13.24% - 21.24% Variable APR will apply, depending on your creditworthiness. (See Terms, Rates & Fees for current APR range.)

Earn 2X points on everyday business for the first $50,000 in purchases per year, 1 point per dollar thereafter. There is a $0 annual fee for this card.

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This article was originally written in December of 2016 and updated on April 23rd, 2018.

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About the Author — Jason Steele is an expert in the credit card industry. He is frequently quoted in national media and his work is regularly featured by mainstream outlets such as Yahoo! Finance, MSN Money, and Business Insider.

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