Best Business Credit Cards for 0% APR in 2023

We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2% cash back on all eligible purchases up to $50,000 per year and 1% cash back thereafter. Its 0% introductory APR offer on purchases stays in place for the first 12 months, then a variable APR of 17.74% – 25.74% after.

As part of this card’s welcome offer, you get to earn a $250 statement credit if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.

Pros

• No annual fee
• Cash back rate of 2% for eligible purchases up to $50,000, then 1%
• Intro 0% APR offer, then a variable APR of 17.74% – 25.74% after.
• Welcome offer of a $250 statement credit after you spend $3,000 on purchases in the first three months.
• Flexible credit limit
• Authorized users can be added for no additional fee
• Points are redeemed automatically

• Pay no interest for the first 12 months after acquiring the card, then a variable APR of 17.74% – 25.74% after.
• Earn 2% cash back for eligible purchases with a cap of $50,000, then 1% after
• Enjoy no annual fees for the life of the card
• Earn a $250 statement credit for spending $3,000 in the first three months
• Benefit from the Expanded Buying Power feature, which lets you go over the credit limit if you qualify with no penalties or fees
• Add up to 99 authorized users, free of charge

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2X points per dollar on all eligible business purchases up to $50,000 per year. You get 1X point per dollar thereafter. Its 0% APR offer on purchases stays in place for the first 12 months, then a variable rate of 17.74% – 25.74%.

As part of this card’s welcome offer, you get to earn 15,000 Membership Rewards points if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.

Pros

• No annual fees
• 0% intro APR on purchases, then a variable rate of 17.74% – 25.74%
• Earn 2X reward points on spending of up to $50,000 per year, followed by 1X
• Free employee cards
• Can assign an account manager
• Download interactive year-end summaries
• Use Vendor Pay to improve business cash flow
• Purchase protection

• Pay no annual fees for the life of the card.
• Earn 2X reward points per dollar for the first $50,000 you spend on purchases each year.
• Earn 1X point per dollar after your spending exceeds this limit.
• Redeem points for travel booked through American Express Travel, purchases via select online merchants or gift cards.
• You may also transfer your reward points to different frequent flyer programs.
• Save money on interest by using the 0% intro APR offer on purchases for 12 months, then a variable rate of 17.74% – 25.74%
• Get free employee cards and set individual spending limits.
• Improve cash flow by using your card to pay bills via Vendor Pay.
• Safeguard purchases made using the card through extended warranty and purchase protection.
• Get protection when you or your employees rent cars through car rental loss and damage insurance.
• Get access to American Express Experiences and purchase pre-sale tickets for various events.
• Use the American Express Business App and Connect to QuickBooks tools to simplify transferring spending-related data to your existing accounting system.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Ink Business Cash Credit Card because of its generous 5% rewards rate on office supplies. This rate also applies to your phone, internet and cable subscriptions. Spending across all other categories comes with 2% or 1% rewards.

Not having to pay any annual fees is great. Being able to redeem your rewards in different ways, be it as cash back or for travel, is a definite plus too.

You may get free employee cards that come with purchase and travel protection, thereby giving your employees added peace of mind.

Integrating your Ink credit card with bookkeeping software is easy and simplifies accounting.

If you apply in time, you can take advantage of an intro 0% APR offer and a $900 spend-based bonus cash back offer.

Pros

• Generous introductory cash back and APR offers
• No annual fees
• Free employee cards
• Redeem points for cash, travel, gift cards and more
• Points don't expire for the life of the account
• Purchase and travel protection

• Earn a $900 cash back bonus if you spend $6,000 on purchases in the first three months.
• Benefit through a 0% intro APR offer for the first 12 months, then variable APR 17.49% – 23.49% after that.
• Pay no annual fees for as long as your account remains active.
• Earn 5% cash back on the first $25,000 you spend on purchases at office supply stores, as well as on internet, cable and phone services every year.
• Earn 2% cash back on the first $25,000 you spend on purchases at restaurants and gas stations every year.
• Earn 1% cash back on all other purchases.
• Your rewards remain valid for as long as you keep using your card.
• Set individual spending limits for employee cards.
• All cardholders get access to extended warranty, purchase protection, baggage insurance, car rental loss and damage insurance and roadside dispatch.
• Fraud protection safeguards you against fraudulent transactions.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.