5 Business Credit Cards With 0% APR Promotional Financing

5 Business Credit Cards With 0% APR Promotional Financing

0 Comment

Advertiser & Editorial Disclosure

It can be a challenge to finance your business at interest rates that you can afford. You might have taken out a merchant cash advance or some other type of high-interest loan, only to find the interest charges have been consuming your profits and even your operating budget.

Thankfully, there are several small 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 and balance transfers 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
U.S. Bank Business Edge Platinum 12 months of 0% APR financing $0

1. 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 and Conditions

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 and balance transfers for 15 months. Following that, a 12.74% - 20.74% Variable APR will apply, depending on your creditworthiness. (See Terms and Conditions 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.

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 14.49% - 22.49% (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 14.74% (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 as of February 19th 2018 with a balance transfer fee of Either $5 or 5% of the amount of each transfer, whichever is greater. as of February 19th 2018 After the promotional financing expires, you’ll have a APR of 14.74% - 20.74% 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. U.S. Bank Business Edge Platinum

This card has a very strong introductory financing offer for a small business credit card and a low balance transfer fee. It features 12 months of 0% APR financing on both new purchases and balance transfers, with just a 3% balance transfer fee. After that, the standard interest rate will be 10.49% to 18.49%, depending on your creditworthiness. There’s no annual fee for this card, which doesn’t offer rewards for spending.

Financing - Signup Free - MatchFactor

Nav's MatchFactor technology is the only place that instantly shows your approval odds for business loans and credit cards before you apply. See my match scores for free.


More From Nav

Business Credit Cards for Bad Credit

Business Credit Cards for Startups

How to Get a Business Credit Card in 4 Steps

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

Rate This Article

This article currently has 6 ratings with an average of 5 stars.

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.

Have at it! We'd love to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and protect yourself. Refrain from posting overtly promotional content, and avoid disclosing personal information such as bank account or phone numbers.

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.