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Best 0% Intro APR Business Credit Cards

Best 0% Intro APR Business Credit Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 26, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Maybe you’re a small business owner and need new inventory, but you’re facing a temporary cash flow crunch. Or perhaps you’ve accrued debt on a high-interest business credit card and are looking for a break from interest charges. This is when a business card offering a 0% intro APR on purchases or balance transfers can come in handy.

We’ve compiled a list of small business credit cards with intro APR periods. Some of them also offer rewards points or cash back. All of the cards on this list have no annual fee.

In this article:

Business cards with an intro APR for 15 months

The U.S. Bank Business Cash Rewards World Elite™ Mastercard®

With a on purchases, and a , this card offers the longest 0% APR period we could find on a business card. After that, a APR applies for purchases and a APR applies for balance transfers.

In exchange for the extended intro offer, there’s a balance transfer fee: 3%

The cashback program on the U.S. Bank Business Cash Rewards World Elite™ Mastercard® can put a nice chunk of change back in your pocket if your business requires a lot of driving. Earn

There’s also a sign-up bonus: earn $500 cash back after you spend $4,500 in eligible net purchases on the account owner's card in the first 150 days.

Business cards with an intro APR for 12 months

The Blue Business® Plus Credit Card from American Express

  • 0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable

  • Earn 2X points on everyday business purchases up to the annual cap

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

See additional details for The Blue Business® Plus Credit Card from American Express

More Info

This card offers an intro APR of 0% on purchases for 12 months from date of account opening and an intro n/a. After that, an APR of 13.24% - 19.24% variable applies for purchases and an APR of n/a applies for balance transfers. The balance transfer fee is N/A

When using The Blue Business® Plus Credit Card from American Express, you 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.

With a year to pay off new purchases and/or transferred debt, as well as a competitive flat-rate rewards rate, this card is a great choice.

To see rates & fees for The Blue Business® Plus Credit Card from American Express please click here.

American Express Blue Business Cash™ Card

  • 0% on purchases for 12 months from date of account opening

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

  • 13.24% - 19.24% Variable

Highlights
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

See additional details for American Express Blue Business Cash™ Card

More Info

Maybe you prefer to earn cash back rather than Membership Rewards points. If so, the American Express Blue Business Cash™ Card could be exactly what you’re looking for.

It offers an intro APR of 0% on purchases for 12 months from date of account opening on purchases and N/A on balance transfers. After that, an APR of 13.24% - 19.24% variable applies for purchases and an APR of n/a applies for balance transfers. There’s a balance transfer fee of n/a

Again, this card offers a year to pay off big purchases or a transferred balance. And there’s a competitive cashback rate, too. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. For these reasons, American Express Blue Business Cash™ Card is one of our favorites on this list.

To see rates & fees for American Express Blue Business Cash™ Card please click here.

The Ink Business Cash® Credit Card

This card offers an intro APR of 0% intro apr on purchases for 12 months on purchases. After that, an APR of 13.24% - 19.24% variable applies.

There’s a generous cashback program, too. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

And there’s a sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

With a year-long intro APR period, this card gives you plenty of time to pay off any big purchases your business needs to make. But there’s no balance transfer intro APR, so if you’re looking to move debt from another card, you should consider a different card.

The Ink Business Unlimited® Credit Card

The intro APR period offered on this card is 0% intro apr on purchases for 12 months on purchases. After that, an APR of 13.24% - 19.24% variable applies. Like the Ink Business Cash® Credit Card, the Ink Business Unlimited® Credit Card doesn’t offer an intro APR period for balance transfers.

There’s also a decent flat-rate cashback program: Earn unlimited 1.5% cash back on every purchase made for your business. There are other flat-rate business cards with which you can earn a higher cashback rate, but they may charge an annual fee or impose a spending cap.

For the sign-up bonus, earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

The Discover it® Business Card

If you’re looking for cash back, you can get it with this card. Earn 1.5% cash back on every dollar spent on all purchases. Plus, Discover offers a unique and generous sign-up bonus for new cardmembers. 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™.

The U.S. Bank Business Platinum

This is a no-frills business credit card, but it does offer an intro purchase APR of 0% for 15 billing cycles, and an intro balance transfer APR of 0% for 15 billing cycles. After that, an APR of 9.99%-17.99%* (variable) applies for purchases and an APR of 9.99%-17.99%* (variable) applies for balance transfers. The balance transfer fee is 3%.

There are no rewards with the U.S. Bank Business Platinum, but if you need a year to pay off a big purchase or pay down transferred debt without incurring interest charges, this card can help you do that.

Business cards with intro APR for 9 months

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card

The intro APR period on the Bank of America® Business Advantage Cash Rewards Mastercard® credit card is 0% for 9 billing cycles on purchases. After that, a 12.24% - 22.24% Variable APR applies.

If you’re looking for a flexible cashback business card, this card fits the description. Earn 3% cash back on your choice of one of the following six categories: gas stations, office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, and 2% cash back on dining (on the first $50,000 each calendar year, then 1%. Earn an unlimited 1% cash back on all other purchases.

You’ve also got a chance to boost your earning rate and earn more cash back. You can get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member, according to Bank of America’s website.

There’s also a sign-up bonus: $300 statement credit when you make at least $3,000 in net purchases within 60 days of your account opening..

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers an intro APR of 0% for 9 billing cycles on purchases. After that, a 13.74% - 23.74% Variable APR on purchases applies.

If you’re looking for a flat-rate travel card, you may like this one’s rewards structure: 1.5 rewards points for every $1 on all purchases, 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center..

And there’s an opportunity to boost your earning rate, too — get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member, according to Bank of America’s website.

The Capital One® Spark® Miles Select for Business

With this card, you get an intro APR period of 0% on purchases for 9 months. After that, a 13.99% - 23.99% (variable) APR applies.

If you like keeping things simple, this travel card can help you do it. Earn 1.5 miles per $1 on every purchase. You can also earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.

The Capital One Spark Cash Select for Business

The intro APR period is 0% on purchases for 9 months. After that, a 13.99% - 23.99% (variable) APR applies.

For rewards, this card’s structure is very similar to the Capital One® Spark® Miles Select for Business — except you earn cash back instead of miles. With the Capital One Spark Cash Select for Business, earn 1.5% cash back on every purchase.  And you can earn a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

The U.S. Bank Business Select Rewards Card

For purchases on this card, you get a After that, a APR applies.

This is another card with a flexible rewards structure.

There’s also a sign-up bonus for the U.S. Bank Business Select Rewards Card:

Business cards with intro APR for 7 months

The Bank of America Platinum Plus® Mastercard® Business card

This card offers no rewards and an intro APR period of 0% for 7 billing cycles on purchases (after that, a 10.24% - 21.24% Variable APR applies). However, if you like banking with Bank of America and don’t need quite as long to pay off any new purchases, this card can help you get the job done.

The sign-up bonus for the Bank of America Platinum Plus® Mastercard® Business card is a $300 statement credit when you make at least $3,000 in net purchases within 60 days of your account opening..

The bottom line

Based on the cards we reviewed, it’s easier to find a business card offering a 0% intro APR on purchases than balance transfers. Just remember when planning for a balance transfer that you can’t transfer debt between two cards from the same issuer — so if your existing debt is on an American Express card, you can’t transfer it to another American Express card. And to make sure you’ll save more in interest charges than you’ll pay for a balance transfer fees, take a look at our balance transfer calculator.

The information related to the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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