Best 0% APR Business Credit Cards in 2024

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Updated: June 11, 2024

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The allure of a 0% APR business credit card is hard to ignore. These cards rise to the occasion by offering interest-free periods for purchases. But what does this offer truly entail, and how can it benefit your company?

To help you make a savvy financial move for your business, we'll break down the ins and outs of the best 0% APR business credit cards available, highlighting their advantages and what to be cautious of. We'll explore how they work and how they can benefit your company's bottom line.

Why You Can Trust Our List

The American Express Blue Business Cash™ Card
Credit Card logo for The American Express Blue Business Cash™ Card
MoneyGeek Rating
1.3/ of 5

Rewards RateEarn 2% cash back on all eligible purchases on up ...
APR18.49% - 26.49% variable
Annual Fee$0
Recommended Credit670-850 (Good to Excellent)
American Express® Business Gold Card

Rewards RateEarn 4X Membership Rewards® points on the 2 catego...
APR19.49% - 28.49% variable
Annual Fee$375
Recommended Credit670-850 (Good to Excellent)
Capital One Spark Miles for Business

Rewards RateUnlimited 5X miles on hotels and rental cars booke...
APR26.24% variable
Annual Fee$0 intro for first year; $95 after that
Recommended Credit670-850 (Good to Excellent)
Delta SkyMiles® Gold Business American Express Card

Rewards RateEarn 2 miles per dollar spent on purchases at U.S....
APR20.99% - 29.99% variable
Annual Fee$0 introductory annual fee for the first year, the...
Recommended Credit670-850 (Good to Excellent)
Ink Business Cash® Credit Card
Credit Card logo for Ink Business Cash® Credit Card
MoneyGeek Rating
1.2/ of 5

Rewards RateEarn 5% cash back on the first $25,000 spent in co...
APR18.49% – 24.49% Variable
Annual Fee$0
Recommended CreditGood–Excellent
  • The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.
Marriott Bonvoy Business® American Express® Card

Rewards Rate6x Marriott Bonvoy points on each dollar of eligib...
APR20.99% - 29.99% variable
Annual Fee$125
Recommended Credit670-850 (Good to Excellent)
The Blue Business® Plus Credit Card from American Express

Rewards RateEarn 2X Membership Rewards® points on everyday bus...
APR18.49% - 26.49% variable
Annual Fee$0
Recommended Credit670-850 (Good to Excellent)
The Business Platinum Card® from American Express

Rewards Rate5X Membership Rewards® points on flights and prepa...
APR19.49% - 28.49% variable
Annual Fee$695
Recommended Credit670-850 (Good to Excellent)
The Hilton Honors American Express Business Card

Rewards RateEarn 12X Hilton Honors Bonus Points on eligible Hi...
APR20.99% - 29.99% variable
Annual Fee20.99% - 29.99% variable
Recommended Credit670-850 (Good to Excellent)

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

What Is a 0% APR Business Credit Card?

A 0% APR business credit card offers zero interest on your card balances for a specified introductory period. For a certain duration, any purchases you make won't accrue interest. This can be a game-changer for businesses, especially startups and small enterprises.

These cards are designed to give businesses more financial flexibility. For instance, if you're planning a significant investment or need to manage cash flow more effectively, a 0% APR can help ease the financial burden.

However, there is a catch. Once this promotional period ends, the regular interest rate kicks in. This means you'll need to pay interest on any remaining balance. Additionally, it's essential to understand that other fees, like late payment charges or cash advance fees, might still apply even during the 0% APR period.

The key is to be diligent with your payments and aim to pay off the balance before the promotional period ends to make the most of this offer.

Pros and Cons of 0% APR Business Credit Cards

Understanding the advantages and drawbacks of 0% APR business credit cards is essential before deciding if one is right for your business needs.


  • Immediate financial flexibility: With 0% APR, you can make essential purchases without stressing about immediate interest. This can be a great relief, especially if you're making large investments.
  • Improve cash flow: During the introductory period, a 0% APR business card can help you better handle your cash flow, giving your business a cushion during lean times or when awaiting client payments.
  • Debt consolidation: If you have existing high-interest debt on other cards, transferring the balance to a 0% APR card can save you money on interest during the promotional period.


  • End of introductory period: Once the 0% APR period ends, any outstanding balance will accrue interest at the standard rate, which could be high.
  • Potential for high fees: While the card may not charge interest initially, other fees, like annual, late payment or cash advance fees, can still add up.
  • Temptation to overspend: Knowing you won't be charged interest for a certain period might lead you to spend more than you can pay off, leading to debt issues later.

How To Choose a Business Card With 0% APR

Choosing a business credit card with 0% APR is more than just about the interest-free period. There are other essential features to consider that can add value to your business operations.

Length of the 0% APR Period

The length of the promotional period is essential to consider when you're looking into a business credit card with 0% APR. Some cards offer six months, while others might stretch up to 18 months or more. Depending on your financial plans and anticipated cash flow, a longer period could provide a more substantial buffer for repaying the balance without interest.

Regular APR After the Intro Period

After the 0% APR period concludes, the interest rate will revert to the card's standard APR. Knowing this rate is crucial, especially if you think you might carry a balance beyond the introductory period. Comparing this with other cards will ensure you don't end up with higher-than-expected interest costs.

Rewards and Benefits

Beyond the interest savings, many business credit cards offer rewards such as cash back, travel benefits or points on purchases. Look for a card that aligns with your business spending patterns. For instance, if you frequently travel for business, a card that offers travel-related rewards or perks can add significant value.

Fees and Charges

Even with a 0% APR, some cards might come with annual fees, balance transfer fees or foreign transaction charges. It's essential to factor in these costs when evaluating the overall value of a card. If the fees outweigh the benefits or if there's a more cost-effective card available, it's worth reconsidering your choice.

Customer Service and Support

A card's value isn't just in its financial benefits. Excellent customer service can be crucial, especially if you encounter issues or need guidance on card features. Prioritize cards issued by banks or institutions known for their customer support, as this can make your experience smoother and more beneficial in the long run.

Should You Get a 0% APR Business Credit Card?

The appeal of a 0% APR business credit card is undeniable. Imagine making essential purchases for your business and not worrying about interest for a set period! But as with any financial tool, it's necessary to weigh the actual benefits against potential pitfalls.

For businesses looking to make large investments or those needing a temporary cash flow solution, a 0% APR card can be a lifeline. It provides a window of financial breathing room, allowing you to allocate funds more flexibly.

However, it's crucial to plan ahead. Once the 0% APR period concludes, the standard interest rate can be a shock if you have a significant balance. These cards can be worth it for those disciplined in their spending and repayment habits.

On the other hand, if there's a risk of accumulating unmanageable debt, consider other financing options.

Tips on Getting a 0% APR Business Credit Card

Securing a 0% APR business credit card can be a valuable asset for your company's financial toolkit. To increase your likelihood of getting approved, consider the following strategies:

  • Check your credit report: Before applying, review your business and personal credit reports. Ensure there are no errors or inaccuracies that might hurt your chances. A strong credit score can boost your odds of approval.
  • Reduce existing debt: Lenders look at your debt-to-income ratio. By paying down existing balances or debts, you present your business as a less risky prospect to card issuers.
  • Provide accurate financial information: When filling out your application, be thorough and accurate with your business's financial details. Under-reporting income or assets might hinder your chances.
  • Establish a business credit history: If possible, start with a basic business credit card or a trade line with suppliers. Over time, as you consistently pay your bills, this establishes a positive credit history for your business.
  • Research and choose the right card: Not all 0% APR business credit cards are created equal. Select one that aligns with your business needs and for which you meet the eligibility criteria rather than applying indiscriminately.

Next Steps

The right 0% APR business credit card can be a pivotal tool for financial management and growth, offering substantial benefits when used judiciously. If you're considering such a card, always weigh the pros and cons that are relevant to your business needs.

Once you're ready, research and select a card that aligns with your specific goals. Stay diligent in your repayments, aiming to clear balances before the promotional period ends. By doing so, you can harness the advantages of 0% APR while sidestepping potential pitfalls.

FAQs About 0% APR Business Credit Cards

Choosing the right 0% APR business credit card for your business can be challenging. To help you make an informed decision, we've tackled some of the most frequently asked questions on the topic.

What does 0% APR mean on a business credit card?
How long do these 0% APR periods typically last?
Are there any fees associated with these cards?
Do all businesses qualify for 0% APR cards?
What happens if I carry a balance after the 0% APR period ends?
Can I transfer balances from other cards to a 0% APR business card?

Experts' Guide on Finding the Best Business Cards for 0% APR

  1. How can getting a 0% APR business credit card affect someone’s credit score?
  2. Would closing a 0% APR card after the introductory period ends make sense?
  3. What might happen if someone uses a consumer credit card with a 0% APR offer to make business purchases?
John Longo
John LongoProfessor of Finance at Rutgers Business School

About Grace Pilling

Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.

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