Skip to content

Best 0% Credit Cards for Business

Written by NerdWallet
Edited by Kenley Young
Last updated on April 19, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

On the whole, business credit cards aren't quite as generous with introductory 0% interest periods as their consumer-oriented counterparts. While many consumer cards offer 0% periods of 15 months or more, business cards rarely go longer than nine months to a year. Still, if you're looking to finance a big purchase for your business or transfer high-interest debt, you can get a break from interest with these cards. All of the cards below charge no annual fee.

American Express Blue Business Cash™ Card

0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.99%-21.99% Variable APR

American Express® Blue Business Cash Card
NerdWallet rating 
Learn More
The
American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards. As for rewards, you'll earn 2% cash back on the first $50,000 in eligible purchases each year and 1% after that. Your rewards are applied to your statement automatically.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
(see rates and fees).

U.S. Bank Business Platinum Card

0% intro APR on purchases and balance transfers for 15 billing cycles, and then the ongoing APR of 11.99% - 20.99% Variable APR

US Bank Business Edge Platinum Credit Card
NerdWallet rating 
Learn More
The zero percent introductory APR period on the 
U.S. Bank Business Platinum Card
 is a few months longer than what you'll find on competing cards, and it applies not just to purchases, but also to balance transfers. You won't get rewards, and it's not the best choice for spending abroad, given its 3% foreign transaction fee. But if you're looking for a lot of breathing room, here's your card.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 Billing Cycles, and then the ongoing APR of 14.74%-23.74% Variable APR
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
NerdWallet rating 
Learn More
The 
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
offers a long intro APR period that applies to purchases and balance transfers. This is also a solid cash-back card for small-business owners.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the 
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
has a $
0
annual fee and a competitive welcome bonus.

The Blue Business® Plus Credit Card from American Express

0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.99%-21.99% Variable APR

American Express The Blue for Business® Credit Card
NerdWallet rating 
Learn More
The Blue Business® Plus Credit Card from American Express
is a virtual twin of the 
American Express Blue Business Cash™ Card
. The key difference: It earns AmEx Membership Rewards points rather than cash back: 2 points per dollar on up to $50,000 in eligible purchases each year, and 1 point per dollar after that. Terms apply (see rates and fees).

Ink Business Unlimited® Credit Card

0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.49%-19.49% Variable APR

Ink Business Unlimited℠ Credit Card
NerdWallet rating 
Learn More
The
Ink Business Unlimited® Credit Card
is an excellent, no-fuss card for entrepreneurs whose spending doesn't fit neatly into the bonus rewards categories on many business credit cards. You earn 1.5% cash back on every purchase, and the bonus offer is outstanding for a
$0
-annual-fee card:
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Ink Business Cash® Credit Card

0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.49%-19.49% Variable APR

Chase Ink Business Cash Credit Card Credit Card
NerdWallet rating 
Learn More
The 
Ink Business Cash® Credit Card
 gives you bonus cash back in common business spending categories: 5% back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account year; 2% back on the first $25,000 in combined purchases at gas stations and restaurants each account year; and 1% on other purchases. The bonus is great, too:
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
.

Capital One Spark Cash Select - 0% Intro APR for 12 Months

0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-24.24% Variable APR
Capital One Spark Cash Select
NerdWallet rating 
Learn More
Like the cards above, the 
Capital One Spark Cash Select - 0% Intro APR for 12 Months
also offers
1.5
% cash back on all purchases and a similar intro APR period — but no sign up bonus. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Other cards may be better choices if you want a 0% APR period because you're planning a big purchase that could qualify you for some cash back.

Other options

Several cards offer 0% intro APR periods of less than a year. For the cards below, the 0% period applies only to purchases, not balance transfers. All of these options have no annual fee.

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

To view rates and fees of the
American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.

Compare Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Apply nowApply nowApply now

Annual fee

0

Annual fee

150

Annual fee

0

Regular APR

13.99%-21.99% Variable APR

Rates & Fees

Regular APR

N/A

Regular APR

13.49%-19.49% Variable APR

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended credit score

690-850good - excellent

Recommended credit score

690-850good - excellent

Recommended credit score

690-850good - excellent