Top Business Credit Cards With 0% APR For February 2023
Producing things and providing services involves capital; in other words, operating a business requires it. Borrowing money is one way to get capital, and what better way to borrow than with a long grace period during which interest is waived? Our list of the top 0% intro APR business credit cards can help you acquire the funding you need to launch or expand your business since they provide the best introductory APR periods available.
Methodology
Based on welcome bonuses, fees, rewards, and other benefits, the best 0% introductory APR Business Credit Cards cards were selected. Yet, what works well for the vast majority of customers might not be the ideal choice for you. Before determining which cards will best assist you in achieving the financial objectives of your company, conduct thorough research.
Top Credit Cards with 0% APR
After the initial 12-month introductory APR of 0% on purchases, the rate will change to a variable rate between 17.74% and 25.74%. A $5 fee or 3% of the transfer amount, whichever is higher, is charged for balance transfers that aren't finished within 60 days of account opening. Despite not having the longest 0% introductory APR period, the Blue Business® Plus Credit Card from American Express (terms apply, see rates & fees) tops our list due to its other advantages.
Deal for the first 12 months of the account's existence: 0% intro APR on purchases; after that, a variable rate between 17.74% and 25.74% will apply. A $5 fee or 3% of the transfer amount, whichever is higher, must be paid for balance transfers that are made within 60 days of account opening.
Welcome Offer: 15,000 Membership Rewards® points for the first three months of card membership and $3,000 in transactions using the card.
Rewards: Up to $50,000 in annual expenditures, 2 Membership Rewards points are awarded for each dollar spent on standard business expenses like office supplies or client dinners. Thereafter, 1 point is awarded for each dollar spent on all other purchases.
No yearly charge is required.
Additional Advantages and Drawbacks: The Amex Blue Business Plus concentrates on rewards, offers a welcome bonus, and still has a strong intro APR period. It has strong rewards earning, no annual fee, car rental loss and damage insurance, extended warranty, and purchase protections, among other benefits. With this card, you may accrue American Express Membership Rewards points, which you can then transfer 1:1 to a variety of hotel and airline partners like Air France/KLM Flying Blue and Air Canada Aeroplan.
Card for Ink Business Cash
The Ink Business Cash® Credit Card comes with a welcome bonus, good rewards, employee cards at no additional cost, and a 0% introductory APR on purchases for 12 months after which a standard APR of 17.49% - 23.49% variable applies.
Offer on Introductory APR: For the first 12 months after purchases, a standard APR of 17.49% to 23.49% variable is in effect.
Offer: $900 bonus cash back after making $6,000 in purchases during the first three months of creating an account.
Rewards: Every account anniversary year, you'll receive 5% cash back on the first $25,000 you spend in combined purchases at office supply retailers, as well as 2% cash back on the first $25,000 you spend in combined purchases at gas stations and restaurants. With all other purchases, get 1% cashback.
Yearly Cost: 0
Additional Perks and Drawbacks: The Ink Business Cash provides some travel protections like extended warranty and purchase protection in addition to perks like the auto rental collision damage waiver and basic travel and emergency card services. Also, the no-annual-fee credit card provides numerous ways to redeem points through Chase Ultimate Rewards.
Mastercard® U.S. Bank Business Triple Cash Rewards
The U.S. Bank Business Triple Cash Rewards Global Elite Mastercard®* offers a long 0% introductory APR on purchases and debt transfers for 15 billing cycles, followed by a normal variable APR of 18.49% - 27.49%. It also offers selective cash-back earnings. There is a $5 minimum balance transfer fee and a 3% fee overall. The card doesn't have many extra perks but provides good rewards in some categories.
During 15 billing cycles, there is a 0% introductory APR on purchases and balance transfers. This is followed by a variable APR that ranges from 18.49% to 27.49%. There is a $5 minimum balance transfer fee plus a 3% fee.
Welcome Offer: $500 cash back after $4,500 in purchases within the first 150 days after account opening
Rewards: 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants; 5% cash back on pre-paid hotels and car rentals reserved directly through the Rewards Center; and 1% cash back on all other eligible net purchases
Annual Fee: $0
Additional Advantages and Drawbacks: The U.S. Bank Business Triple Cash Rewards Global Elite Mastercard®* falls short of many other business cards in terms of other benefits, with no annual fee and respectable cash back on a few select areas in addition to its fantastic 0% introductory APR offer. It does offer a $0 fraud liability, in contrast to some other cards on this list. Also, eligible recurring software subscription costs for services like FreshBooks or QuickBooks are eligible for a $100 annual statement credit.
Credit Card Ink Business Unlimited
With the Ink Business Unlimited® Credit Card, purchases have a 0% introductory APR for 12 months; after that, purchases and debt transfers are subject to a variable APR ranging from 17.49% to 23.49%. Solid rewards and benefits apply, with a balance transfer charge of $5 or 5% of the amount of each transfer, whichever is greater. The rewards-earning structure is the main distinction between this card and the Ink Business Cash.
Initial APR Offer: Purchases have a 0% initial APR for 12 months; after that, purchases and balance transfers are subject to a variable APR ranging from 17.49% to 23.49%. There is a $5 balance transfer fee or 5% of each transfer's value, whichever is higher.
Offer: $900 bonus cash back after making $6,000 in purchases during the first three months of creating an account.
Rewards: Every business purchase earns 1.5% cash back.
Annual Fee: $0
Additional Advantages and Drawbacks: The Ink Business Unlimited® Credit Card provides similar additional benefits to those of its sibling card, the Ink Business Cash, including purchase protection, extended warranty protection, and an auto rental collision damage waiver.
Blue Business CashTM Card from American Express
The American Express Blue Business CashTM Card (terms apply, see rates & fees) is a near relative of the Amex Blue Business Plus with a 0% initial APR on purchases for 12 months after the date of account establishment, after which a 17.74% - 25.74% variable APR applies. Similar benefits are offered by both cards, however, the Blue Business Cash provides rewards in the form of cashback rather than points.
Deal for the first 12 months of the account's existence: 0% intro APR on purchases; thereafter, a variable APR of between 17.74% and 25.74% is in effect.
When you spend $3,000 during the first three months of opening your account, you'll receive a $250 statement credit as a welcome bonus.
Rewards: Up to $50,000 in cash back on all qualified purchases throughout a calendar year, after that, 1%
Annual Fee: No annual fee
Additional Advantages and Drawbacks: The American Express Blue Business CashTM Card has no annual fee and offers minor convenience features including extended warranty and purchase coverage, car rental loss and damage waiver, and other small savings.
Additional Advantages and Drawbacks: The American Express Blue Business CashTM Card has no annual fee and offers minor convenience features including extended warranty and purchase coverage, car rental loss and damage waiver, and other small savings.
Credit card from Bank of America®, Business Advantage, with personalized cash rewards
The added benefits offered by the Bank of America® Business Advantage Tailored Cash Rewards Mastercard® credit card include an introductory APR, rewards earning, a tiny welcome bonus, and a few travel bonuses.
For the first nine billing cycles, there is a 0% intro APR on purchases. After that, purchases and debt transfers are subject to a variable APR between 16.49% and 26.49%. There is a balance transfer fee of $10 or 4% of each transaction's value, whichever is higher.
After making at least $3,000 in net purchases within 90 days of account setup, you'll receive a $300 statement credit bonus online.
Rewards: Unlimited 1% cash back on all other purchases, 3% cash back in the category of your choice, and 2% cash back on eating. For the first $50,000 in combined choice category/dining purchases each calendar year, earn 3% and 2% cash back, then 1% going forward.
Annual Fee: $0
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card has no annual fee and comes with minor convenience benefits like travel accident insurance, auto rental insurance, emergency ticket replacement, lost luggage assistance, $0 fraud liability, purchase protection, extended warranty benefit, and other small benefits.
Credit card issued by Bank of America®, Business Advantage Travel Rewards World
Instead of cash-back incentives, the Bank of America® Business Advantage Travel Rewards Global Mastercard® credit card offers extra travel-related perks.
During the first nine billing cycles, there is a 0% intro APR on purchases. After that, a variable APR between 16.49% and 26.49% is in effect on both purchases and balance transfers. There is a balance transfer fee of $10 or 4% of each transaction's value, whichever is higher.
After making at least $3,000 in net purchases during the first 90 days of account setup, you can receive 30,000 bonus points as part of the welcome offer.
Rewards: 1.5 points for every $1 spent on all other transactions, and three points for every dollar spent on a car, hotel, or airline travel booked via the Bank of America® Travel Center.
Annual Fee: $0
Other Advantages and Disadvantages: The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee, $0 fraud liability, purchase protection, extended warranty benefits, and other minor convenience features. However, it also has an improved $1 million in travel accident insurance, lost luggage insurance, trip cancellation coverage, and trip delay reimbursement features.
How to Choose a Business Credit Card with 0% APR
It might be challenging to find the ideal business credit card for your requirements. Make sure to thoroughly weigh your options before applying. Here are some ideas to aid in your decision-making:
Locate a 0% APR program that is long enough. Verify that the length of the offer that most appeals to you will allow you to settle any balance you accumulate without paying interest.
Choose your benefits. Which benefits are the greatest for you and your company? Free employee cards are needed. travel incentives? travel protection? What other purchases do you plan to make once the 0% introductory period is over?
Take into account your business costs. Do you invest a lot of money in office supplies? Are you a frequent credit card gas buyer? Which card, based on your purchasing patterns, will give you the greatest rewards?
The ongoing varied APR should be examined. Whilst you should never carry a balance if you can help it, you want it to be as low as possible in case you forget or find yourself in serious financial trouble. Your card's introductory APR will eventually become a standard APR.
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