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|
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
This card carries a strong financing offer and impressive rewards. New applicants receive. Following that, a APR will apply, depending on your creditworthiness. (See for current APR range.)
There is a annual fee for this card.
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This article was originally written in December of 2016 and updated on April 23rd, 2018.