Best 0% APR Business Credit Cards

A business credit card can make it easier to manage your business expenses and help grow your business, but with the right card, you may even be able to save money. That’s often the case with 0% APR business credit cards, which allow small business owners to make essential purchases or pay down your debt over time without accumulating interest.

How do 0% APR business credit cards work?

It’s important to understand how 0% APR credit card offers work. Card Issuers typically offer 0% interest for a limited period of time: 6 – 18 months is typical. After that introductory period ends, the interest rate will revert to a higher variable rate APR. Any remaining balance, as well as new purchases, will accrue interest at that new rate.

What to keep in mind with 0% APR intro offers

Make sure you understand the terms of the offer to make an informed decision. 

  • Some 0% offers apply to new purchases, some apply to balance transfers, and some apply to both. 
  • In the case of balance transfers, there will be a one-time balance transfer fee, usually ranging from 3-5% of the amount transferred. 

How to get the most value out of a 0% APR business credit card

Since the best way to take advantage of an introductory APR offer is to pay off the total balance by the end of the promotional period, it’s important to factor in the length of the promotional period, your spending needs, and your monthly budget.

For example, a $5,000 purchase on a card with a 9-month 0% APR offer would require a monthly payment of at least $556, while the same purchase, when made on a card with a 12-month 0% APR offer would result in a monthly payment of $417.

Ideally you’ll want to pay that balance off before the 0% offer expires. A good strategy is to set up automatic payments for the monthly payment that will pay it off in that period of time. 

Is a 0% APR business credit card right for you?

There are a variety of factors to consider when choosing a small business credit card, and the interest rate is just one of those. Ultimately you want to choose a card (or two) that best fits your business needs. If your goal is to maximize rewards, for example, you may want to look for a rewards credit card with excellent sign-up bonuses or welcome offers.

That said, there’s no reason why you can’t consider a rewards credit card for everyday purchases you’ll pay off in full, and a separate low-rate credit card for times when you need to carry a balance and pay over time.

You’ll also want to understand how your credit history will impact the cards you can get. Most issuers (of both personal credit cards and small business credit cards) will check the applicant’s personal credit score to determine creditworthiness. (Note that if you provide your social security number on the application, it’s likely there will be a personal credit check.) 

If you have what’s considered average or fair credit, you may find it’s harder to find a 0% APR business credit card, but it’s worth checking reviewing business cards designed for borrowers with fair credit.

A few issuers check business credit instead of personal credit, so if you have poor credit but strong revenues and business credit, you may want to look into one of those cards instead. These cards may require your business to be incorporated and you should get an Employer Identification Number before you apply. 

The Blue Business® Plus Credit Card from American Express

  • 0% on purchases for 12 months from date of account opening
  • $0 annual fee
  • Up to 2X Membership Rewards points

American Express offers business owners a slew of business credit cards, many with top-rated rewards programs, but few come with a 0% APR offer. The The Blue Business® Plus Credit Card from American Express offers new users an intro APR of 0% on purchases for 12 months from date of account opening (13.24% - 19.24% Variable after that) and there is no annual fee.

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.

In addition, this card will also give you access to the Amex Global Assist Hotline, car rental insurance, purchase protection, roadside assistance, and baggage insurance.

If you don’t want to be pinned down by category limits and plan to spend less than or close to $50,000, then this card can provide the financing window you need alongside a solid rewards rate. There is, however, no welcome offer, so that should also be factored into your decision.

Discover it® Business Card – Best for Everyday Use

The Discover it® Business Card currently offers a 0% Intro APR for 12 months on purchases. Then a 12.99% to 20.99% Standard Variable Purchase APR will apply.

And when it comes to rewards, Discover it® Business customers can earn 1.5% cash back on every dollar spent on all purchases. In addition, currently, new Discover it® customers can take advantage of Discover’s Cashback Match promotion. This makes this a solid rewards card for those who don’t want to worry about making business purchases that fall into bonus categories. There are also no foreign transaction fees. 

*All information about the Discover it® Business Card has been collected independently by Nav. This card is not currently available through Nav. To see what business credit cards are available, please visit the Nav Credit Card Marketplace.

Lowe's Business Rewards Card from American Express

  • 0% introductory APR for 6 months
  • Annual fee: $0
  • Up to 5X Business Rewards Points

If your business requires construction or home improvement purchases, you’ll want to consider the Lowe’s Business Rewards Card from American Express. If offers an 0% introductory APR for 6 months. After that there is a 15.74% - 24.74% Variable APR.

Welcome Offer: Earn 5X Lowe’s Business Rewards Points on eligible purchases made on your Card at Lowe’s in the first 6 months of card membership. That’s 3 additional points on top of the 2 you already earn. Plus, get $100 back in the form of a statement credit upon approval.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

  • Intro APR of 0% on purchases for 9 months
  • No annual fee
  • 1.5% cash back

Not interest in cash back? Prefer to earn points for travel and take advantage of a 0% intro APR offer? You may want to consider the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

With this card, you can expect APR of 0% for 9 billing cycles on purchases (14.74% – 22.74% (Variable) after that), and with the online offer you can earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining-related purchases.

On an ongoing basis, the rewards rate is a solid 1.5 points for every $1 you spend on all purchases. Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center.

Though the 0% APR promotional window is shorter compared to other cards, the Bank of America® Business Advantage Travel Rewards World Mastercard® is a great option for Bank of America customers who also want to take advantage of a travel rewards program.

*All information about the Bank of America® Business Advantage Travel Rewards World Mastercard® has been collected independently by Nav. This card is not currently available through Nav. To see what business credit cards are available, please visit the Nav Credit Card Marketplace.

0% APR business credit cards vs. small business loans

A business credit card may be an excellent choice for short-term financing for your business. But if you need longer term financing, or a large amount of financing, you may be better off considering other small business loans. There are many options, but two of the most popular include: 

A line of credit is similar to a credit card in that you only borrow the amount you need, when you need it. Some lines of credit offer interest-only payments for several years (during the “draw period,”) followed by a period of time where you repay the debt. 

A term loan offers a fixed amount of money with a specific repayment schedule. You may have a longer time to repay the loan than with a line of credit. Payments may be larger than your required credit card payment, but you won’t stretch out the debt for decades the way you can if you just make the minimum payment on a credit card.