A 0% APR business credit card can help business owners finance purchases or consolidate existing credit card debt without paying interest for a limited introductory period. Most of these cards charge no annual fee.
The longest introductory offer currently available lasts up to 18 months, though the exact window varies by card. Some 0% introductory rates apply to new purchases, others to balance transfers, and a few apply to both. Below, we’ve rounded up the top business credit cards with 0% APR offers currently available.
Quick Overview of the Best Business Credit Cards With 0% APR
Most 0% APR business credit cards offer 12 months of interest-free financing on eligible purchases, but some extend the initial window to 18 months. The majority of these cards also charge no annual fee, making them effective for small-business financing.
Introductory 0% APR typically applies to new card purchases. The ability to get 0% APR on balance transfers varies by issuer and card.
You must make at least the minimum payment each month, and missing a required payment could void the promotional APR. Many 0% APR business cards also earn ongoing cash-back, transferable points, or miles, providing value well beyond the introductory financing period.
The Best Business Cards With 0% APR
|
Card |
Welcome Bonus |
0% APR Terms |
Annual Fee |
Best For |
Ink Business Unlimited® Credit Card
 |
LIMITED TIME OFFER |
0% intro APR on purchases for 12 months; variable 16.74% – 24.74% thereafter. |
$0 (rates & fees) |
Earning 1.5% cash-back on all eligible card purchases, with no limits |
Ink Business Cash® Credit Card
 |
LIMITED TIME OFFER |
0% intro APR on purchases for 12 months; 16.74% – 24.74% variable thereafter. |
$0 (rates & fees) |
Earning up to 5% cash-back on key business purchases (up to $25,000 per year) |
The Blue Business® Plus Credit Card from American Express
 |
15,000 pointsThe Blue Business® Plus Credit Card from American ExpressEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. |
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%. (rates & fees) |
$0 (rates & fees) |
Earning 2x transferable rewards points on eligible card purchases (up to $50,000 per year, then 1x points) |
The American Express Blue Business Cash™ Card
 |
$250The American Express Blue Business Cash™ CardEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. |
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%. (rates & fees) |
$0 (rates & fees) |
Earning 2% cash-back on eligible card purchases (up to $50,000 per year, then 1%) |
|
First Federal Community Bank Business Zero+ Card |
No welcome offer available |
0% introductory APR for up to 18 billing cycles |
$0 |
Longer-than-usual introductory APR period |
What Is a 0% APR Business Credit Card?
A 0% APR introductory period is a limited time during which eligible purchases don’t accrue interest, allowing you to carry a balance without paying finance charges (Source: Citi).
Most business credit cards offer introductory periods ranging from 12 to 18 months, giving business owners time to spread out the cost of large purchases before the ongoing variable APR takes effect.
How Do 0% APR Business Credit Cards Work?
Once you’re approved for a 0% APR business credit card, eligible purchases won’t accrue interest during the introductory period. You’ll still need to make at least the minimum payment each month. Missing a payment could cause you to lose the promotional 0% APR, depending on the card’s terms. Once the introductory period ends, the standard variable APR applies to any remaining balance (Source: Consumer Financial Protection Bureau).
What to Look for in a Business Card With 0% APR
When comparing business credit cards with 0% APR, first determine whether you need the introductory offer for new purchases, balance transfers, or both. Then, compare the length of each introductory period, as offers typically range from 12 to 18 months and can vary by card. It’s also worth considering the card’s ongoing rewards program, since earning cash-back or rewards points on business spending can add long-term value after the introductory APR expires.
Pros and Cons of 0% APR Business Credit Cards
Pros
- Introductory periods of 12 to 18 months give meaningful time to pay down large purchases interest-free.
- Most 0% business cards have no annual fee, making them low-risk to hold.
- Several options earn rewards or cash-back during the 0% period.
- They can be useful for managing cash flow during slow revenue periods.
Cons
- The standard variable APR after the introductory period can be high (typically 17% to 29%).
- Missing a single minimum payment can void the 0% promotional rate on some cards, depending on the terms.
- Balance transfer availability is limited, as most business 0% APR cards focus on purchases only.
- Rewards earning rates are generally lower than those of other business credit cards.
5 Best Business Credit Cards With 0% APR
Ink Business Unlimited® Credit Card (Top Pick)
The Ink Business Unlimited card is one of the best 0% APR business credit cards, with 5% cash-back on Lyft purchases through September 30, 2027, and 1.5% cash-back on all other purchases. Other benefits include:
- Primary car rental insurance, purchase protection, and extended warranty
- $0 additional fee for employee cards
- Convert your cash-back into Chase Ultimate Rewards points with an eligible premium Chase card to transfer them to Chase’s transfer partners and book luxury award travel
Ink Business Cash® Credit Card
Chase also issues the Ink Business Cash card, offering 5% cash-back at office supply stores and on cell phone, landline, internet, and cable TV services (up to $25,000 every account anniversary year in combined purchases), 5% cash-back on Lyft purchases through September 30, 2027, and 2% cash-back on dining and gas (up to $25,000 every account anniversary year in combined purchases). Here are the other benefits:
- Primary rental car insurance, purchase protection, and extended warranty
- $0 additional fee for employee cards
- Pair it with a premium Chase card to convert cash-back into Ultimate Rewards points to redeem for premium travel
The Blue Business® Plus Credit Card from American Express
The Amex Blue Business Plus card is the only card on this list that earns transferable rewards points on its own, with 2x Membership Rewards points on all eligible card purchases, up to $50,000 in purchases each calendar year, then 1x. Other benefits include:
- Purchase protection, extended warranty
- Access to Amex Offers upon enrollment
- Access to 20+ airline and hotel transfer partners
- Employee cards with no additional fees (rates & fees)
The American Express Blue Business Cash™ Card
The Amex Blue Business Cash card offers simple yet valuable cash-back rewards: 2% cash-back on all eligible purchases up to $50,000 per calendar year, then 1%. Here’s more insight into the card:
- Cash-back is automatically credited to your statement each billing period
- Access to Amex Offers upon enrollment
- Employee cards for no additional annual fees (rates & fees)
First Federal Community Bank Business Zero+ Card
The First Federal Community Bank Business Zero+ card offers 0% introductory APR on purchases and balance transfers for up to 18 months. Here’s a look at the rewards and benefits:
- 5% cash-back on prepaid travel booked directly in the Travel Center
- $50 annual statement credit when you spend $5,000 in the Travel Center
- Cell phone protection
Can You Get a Business Credit Card With No Revenue?
Yes, you can apply for a business credit card even if your business isn’t yet earning money. On the application, state your current revenue, even if it’s $0 (Source: Citi).
However, you will need to list personal income to show the credit issuer that you can pay off your expenses as you get your business off the ground.
Can You Balance Transfer on a Business Credit Card?
Generally, balance transfers on business credit cards work the same way as on personal cards. Usually, you’ll have 30 days from the time you open the card to request the transfer, and you’ll pay a fee of 3% to 5% of the balance. You can’t transfer your balance to another card issued by the same credit card issuer (Source: Chase).
Tips for Maximizing Your Chances of Obtaining a 0% APR Business Credit Card
The best way to maximize your chance of being approved for a 0% APR business card is to have a high personal credit score and business credit score, if you have one, as credit issuers may consider both for business card approvals. Some ways to keep your score high include making payments on time and keeping your credit utilization as low as possible.
How We Selected the Best 0% APR Business Credit Cards
Upgraded Points evaluated business credit cards based on the length of their introductory 0% APR offers, annual fees, rewards programs, inclusion of balance transfers, and overall value for small business owners. These recommendations also consider ongoing benefits beyond the introductory period, such as points and miles or card perks.
Final Thoughts
Most business credit cards with 0% introductory APR offers charge no annual fee and have introductory periods of 12 to 18 months. To avoid interest charges, plan to pay off your balance before the introductory period ends.
Review the comparison table above to identify the best fit based on the length of the 0% APR period, rewards structure, and whether you need balance transfers included in those terms.