MoneyGeek's Take

Best Business Credit Cards for 0% APR in 2023

The best business credit cards with 0% APR on purchases give you the ability to save on interest charges for a predetermined time. The top cards also come with welcome offers and no annual fees.

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This article is part of our larger series on Best Business Credit Cards

Advertising & Editorial Disclosure

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

While not particularly common, you may find business credit cards with 0% APR offers on purchases. The promotional period typically extends for up to 12 months. The top cards from this category also do away with annual fees.

The top 0% APR business credit cards give you the option to earn spend-based welcome bonuses. They also offer rewards or cash back, as is the case with the American Express Blue Business Cash™ Card and the Ink Business Cash® Credit Card.

Access to expense management tools is a fairly common feature with the top cards from this category. Additional perks may come in the form of complimentary travel insurance coverage, purchase protection and employee cards at no extra cost.

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek's Take: Top 3 Business Credit Cards With 0% APR

Quick Summary

Not all welcome offers provided by 0% APR business credit cards are equally rewarding. Besides, there are variations in the APRs that come into effect after the end of the promotional 0% APR period. We have paid attention to the range of standard APRs in selecting the top three cards from this category while also addressing other key factors such as duration of the promo offer, annual fees, foreign transaction fees and additional benefits. You may view our recommendation of other good cards further down the page.


  • American Express Blue Business Cash™ Card

    A simple cash back rewards card that helps you avoid hassles


    • Good–ExcellentRecommended Credit
    • $0Annual Fee
    • 1–2% Cash Back*Rewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Gas

    American Express Blue Business Cash™ Card

    Terms, rates and fees apply

  • The Blue Business® Plus Credit Card from American Express

    Great no-annual-fee card for earning rewards on business spending


    • Good–ExcellentRecommended Credit
    • $0Annual Fee
    • up to 2X Membership Rewards® pointsRewards Rate
    • 1xRewards Rate on TV, Phone, Internet Services
    • 1xRewards Rate on Online Shopping

    The Blue Business® Plus Credit Card from American Express

    Terms, rates and fees apply

  • Ink Business Cash® Credit Card

    Fantastic card for earning rewards on office supplies


    • Good–ExcellentRecommended Credit
    • $0Annual Fee
    • 1–5% Cash Back*Rewards Rate
    • 5xRewards Rate on TV, Phone, Internet Services
    • 2xRewards Rate on Dining

    Ink Business Cash® Credit Card

    Terms, rates and fees apply

Summary of the Best Business Cards for 0% APR

Go through the corresponding 0% APR business card comparison to take a quick look at how all the best cards from this category fare across aspects such as welcome offers, regular APRs, foreign transaction fees and the duration of the 0% APR offers.

  • Credit Card
    Best For
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • American Express Blue Business Cash™ Card
    A simple cash back rewards card that helps you avoid hassles
    1–2% Cash Back*
    $0
  • The Blue Business® Plus Credit Card from American Express
    Great no-annual-fee card for earning rewards on business spending
    up to 2X Membership Rewards® points
    $0
  • Ink Business Cash® Credit Card
    Fantastic card for earning rewards on office supplies
    1–5% Cash Back*
    $0
  • Ink Business Unlimited® Credit Card
    A great business card with a flat, simple rewards structure and no annual fees.
    1.5% Cash Back
    $0
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MONEYGEEK EXPERT TIP

When choosing a business credit card with a 0% APR, consider what the features and benefits of the card remain after the promotion rate expires. Ideally, the card will have value beyond the 0% APR promotional offer. -- Lee Huffman, credit card expert at BaldThoughts.com.

How to Compare Business Credit Cards & Intro Offers

While all the top 0% APR business credit cards let you save money on interest charges for a predetermined period of time, each card’s offering is different. As a result, you need to pay attention to several aspects when selecting a card that works well for you.

1

Welcome Offer

You might earn a welcome bonus by spending at least a predetermined amount of money within a given time period. For example, the Blue Business® Plus Credit Card from American Express lets you earn 15,000 membership rewards points by spending $3,000 on purchases in the first three months. The American Express Blue Business Cash™ Card, on the other hand, has a welcome offer through which you may earn a $250 statement credit if you spend $3,000 on purchases in the first three months.

2

Duration of 0% APR offer

The maximum duration of 0% APR offers with business cards is typically 12 months. This is not the case with consumer cards, where you may find 0% APR offers that extend to 18 months or more.

3

Regular APR

The APR you get not only depends on your creditworthiness but also on the card you select. This is the APR that will apply to any outstanding balance that you have in your account after the end of the promotional period.

4

Foreign transaction fees

If you intend to use your business credit card outside of the U.S., look for one that comes with no foreign transaction fees. American Express cards that come with foreign transaction fees charge 2.7% on each international transaction. With Chase credit cards that charge this fee, you need to pay 3% extra on each international transaction.

5

Annual fee

All the top 0% APR business credit cards we’ve selected come with no annual fees.

6

Reward/cash back rate

The best business cards with 0% APR let you earn rewards/cash back, either through a flat earn rate or higher earn rates on category-based spending. For example, the Ink Business Unlimited® Credit Card offers 1.5% cash back on all business purchases. However, the Ink Business Cash Credit Card offers 5% cash back on the first $25,000 you spend on combined purchases at office supply stores as well as on cable, phone and internet services each year; 2% cash back on the first $25,000 you spend on combined purchases at restaurants and gas stations and each year; and 1% cash back on all other business purchases.

7

Added perks

Card-specific features and benefits you may expect from the top 0% APR business credit cards include free employee cards, access to expense management tools, auto rental collision damage waiver, roadside dispatch, travel and emergency assistance services, purchase protection and extended warranty.

Expert Advice For Finding the Right Card

Financial experts from across the U.S. have examined our 0% APR business credit card reviews and answered a few important questions so that you might be in a better position to select a suitable card.

Expert Advice For Finding the Right Card

  1. How can getting a 0% APR business credit card affect someone’s credit score?
  2. Would it make sense to close a 0% APR card after the introductory period ends?
  3. What might happen if someone uses a consumer credit card with a 0% APR offer to make business purchases?
Dr. Aniruddha Pangarkar
Dr. Aniruddha Pangarkar

Assistant Professor of Marketing at the University of Wisconsin-Green Bay

Joe Roberts, Ph.D.
Joe Roberts, Ph.D.

Director, Center for Innovation and Professional Development at Webster University

Mark T. Schenkel
Mark T. Schenkel

Associate Editor at Journal of Small Business Management and Professor of Entrepreneurship at Jack C. Massey College of Business

Further Reading

About Rajiv Baniwal


Rajiv Baniwal headshot

Rajiv Baniwal is a journalist who has been covering financial topics for over 15 years. Meticulous in his research, he provides accurate and up-to-date information. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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