Best 0% APR Business Credit Cards

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 credit cards, which allow you to make essential purchases and pay down your debt over time, without accumulating interest.

If you’re looking for a 0% APR business credit card, there are a few things to keep in mind.  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 balance, 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 made under a 9-month 0% APR offer would require a monthly payment of at least $556, while the same purchase, when made under a 12-month 0% APR offer would result in a monthly payment of $417.

Additionally, it’s also helpful to take into consideration a variety of other factors, including whether or not the credit card offers instant approval, whether or not the card provides any additional welcome offers, and whether or not you’re likely to meet the credit requirements. 

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.

American Express® Blue Business Cash Card – Best for Earning Points

  • 0% on purchases for 12 months from date of account opening
  • $0 annual fee
  • Up to 2X 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 American Express® Blue Business Cash Card 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 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

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.

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Best for Everyday Use – Discover it® Business Card

  • 0% Intro APR for 12 months
  • No annual fee
  • 1.5% cash back

Discover has been around for a while, but they only recently returned to the business credit card game – and it’s a good thing. With their new Discover it® Business Card, you can take advantage of an intro APR of 0% on purchases for 12 Months (14.49% to 22.49% Variable after that), no annual fee, and a unique welcome offer.

Currently, new Discover it® customers can take advantage of Discover’s Cashback Match promotion. Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.

How much cash back can you earn for your purchases?  Discover it® Business customers can earn 1.5% cash back on every dollar spent on all purchases. This can make this card a good option for everyday expenses as well as an intro APR offer.

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– Best Card for Unlimited Rewards

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

Capital One has a series of business cards under the “Spark” portfolio, but the is the only one that currently offers a 0% intro APR offer. With this card, you’ll be able to leverage

Earn .

The does not have an annual fee or foreign transaction fees,  and like other Visa cards, cardholders can take advantage of an auto rental damage waiver and purchase protections.

Though this card may not offer as many benefits as some of the other cards on this list, nor does it offer a long APR promotion period, if you’re a Capital One loyalist looking for a financing offer, this is the one for you.

  • Intro APR of
  •  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 .

With this card, you can expect APR of ( after that), and you earn – that’s a fairly low bonus spend threshold when compared to other cards.  


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

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Finding the right business card can be complicated. It requires a deep dive into your spending patterns, financing needs, and your rewards program preferences. However, the outcome can be well worth the effort.

When you select the best 0% APR credit card for your needs, you can avoid unnecessary interest and save a significant amount of money. Plus, since so many business cards offer rewards programs, the right card can help you earn money, gift cards, and paid travel.