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 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
American Express® Blue Business Cash Card 0% on purchases for 12 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

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
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Terms, Rates & Fees

The Blue Business® Plus Credit Card from American Express

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

This card carries a strong financing offer and impressive rewards. New applicants receive 0% on purchases for 12 months. Following that, a 15.24% - 21.24% Variable APR will apply, depending on your creditworthiness. (See Terms, Rates & Fees for current APR range.)

Earn 2X Membership Rewards® 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. 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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