Best 0% APR Business Credit Cards in 2023

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a decent interest-free period on purchases. However, with no welcome offer and a cap on cash back earnings, the card's value may be slightly limited for businesses with higher spending or looking to boost their initial rewards balance.

Pros

• High flat-rate cash back
• No annual fee
• Modest intro APR offer on purchases

• 2% cash back on all purchases (up to $50,000 per calendar year, then 1%)
• Cash back applied as statement credit each billing cycle
• Introductory 0% APR on purchases for 12 months (followed by regular APR of 18.49% to 26.49% variable) (See rates and fees)
• No annual fee (See rates and fees)
• Regular variable APR of 18.49% to 26.49%
• Foreign transaction fee of 2.7% (See rates and fees)
• Expanded Buying Power - spend over your credit limit with no over-limit fee (conditions apply)
• Terms apply

The American Express® Business Gold Card is like a financial Swiss army knife for businesses, especially for those with varied spending or who are always on the go. The card offers impressive rewards and a generous welcome bonus, offering significant potential for cost savings. With added benefits such as the ability to transfer points to travel partners and access to a short-term business loans program, it aims to provide flexibility and growth opportunities. But remember, like any tool, it has its cost — there's a notable annual fee, and you'll want to keep on top of your balance to avoid high-interest charges.

Pros

• High rewards rate on customized spending categories
• Generous welcome offer
• Transferable points
• Bonus for redemptions through Amex Travel Portal
• Access to short-term business loans program
• No foreign transaction fees

• Earn 4X points on two select categories where you spend the most each billing cycle (on up to $150,000 combined spending per year, then 1X points)
• Earn 1X points on all other spending
• Earn 70,000 points after spending $10,000 on eligible purchases within the first three months
• Annual fee $295 (see rates and fees)
• No foreign transaction fees (see rates and fees)
• Transfer points to a host of hotel and airline partners through American Express's Membership Rewards program
• Get a 25% bonus on points redeemed through the American Express Travel Portal (up to a maximum of 250,000 points per calendar year)
• Points don't expire, and there are no points caps
• No blackout dates
• Get access to the Working Capital Terms program and short-term business loans (terms and restrictions apply)
• Add employee cards for a one-time flat fee of $50
• Unlike typical charge cards, the American Express® Business Gold Card allows you to carry a balance for certain charges, but not all

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

Pros

• Earn miles on every purchase
• Flexible redemption options
• Application credit for Global Entry/TSA PreCheck
• Useful business tools and free employee cards
• No foreign transaction fees

• Earn 5X miles on hotels and rental cars booked through Capital One Travel
• Earn 2X miles on all other spending
• Earn 50,000 bonus miles after spending $4,500 in the first three months
• Flexible redemption options: transfer to 15+ travel loyalty programs, no blackout date or expiration dates, no limit on earning miles, no minimums for redemption, redeem any airline or hotel purchase for a statement credit
• Annual fee of $95 ($0 in first year)
• Up to $100 credit for Global Entry/TSA PreCheck
• No foreign transaction fees
• Business tools: free employee cards, quarterly and year-end summaries and downloadable purchase records

The Delta SkyMiles® Gold Business American Express Card is a specialized choice for businesses frequently flying Delta or dealing with specific spending areas like dining and U.S. advertising. With targeted rewards, exclusive Delta flight perks and solid travel protections, it offers tangible benefits. The modest annual fee, $0 intro annual fee for the first year., further adds appeal. Though it may lack in broader reward value, for Delta loyalists or those in sync with its reward structure, it’s a tailored, cost-effective travel companion.

Pros

• Delta flight perks
• Low annual fee
• Travel protections
• No foreign transaction fees

• Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
• Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees. Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
• Earn 2X on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
• Earn 2X on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
• Earn 1X miles on all other spending
• Annual fee: $99 ($0 intro annual fee for the first year) (See rates and fees)
• Redeem miles for airfare, car rental, hotels, merchandise and more, plus potential upgrades and one-way fares available
• No foreign transaction fee (See rates and fees)
• Free employee cards (See rates and fees)
• Free checked bag on Delta flights, priority boarding and 20% off in-flight purchases
• Save 15% on Delta-operated flights when you redeem your miles,
• Receive a $100 Delta Flight Credit after spending $10,000 in a calendar year
• Travel accident insurance, car rental insurance, roadside assistance (Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
• Extended warranty and purchase protection

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.

Pros

• Substantial cash back on business-specific categories
• Attractive welcome offer
• No annual fee
• Introductory APR offer on purchases
• Free additional employee cards

• Earn 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined spending each year)
• Earn 2% cash back at gas stations and restaurants (on up to $25,000 in combined spending each year)
• Earn 1% cash back on all other card purchases
• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Introductory 0% APR on purchases for 12 months (followed by 18.49% – 24.49% variable APR)
• No annual fee
• Foreign transaction fee of 3%
• Get employee cards for no additional fee and set individual limits

The Marriott Bonvoy Business American Express Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.

Pros

• Earn free night awards
• Significant hotel perks, including Gold Elite status
• Generous welcome offer
• No foreign transaction fees

• Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first six months of Card Membership. Offer Ends 11/1/23.
• Earn 6X points on eligible Marriott Bonvoy hotels
• Earn 4X points on restaurants, U.S. gas stations, wireless phone services (when purchased directly from U.S. providers) and U.S. shipping purchases
• Earn 2X points on all other purchases
• Earn three bonus Free Night Awards after you make $6,000 in purchases within the first six months of card membership (redemption level up to 50,000 points for each bonus Free Night Award at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
• Annual fee of $125 (see rates and fees)
• Flexible points redemption: no blackout dates, no points limits and no expiration for points
• Complimentary Gold Elite Status
• Receive one free night award each year after renewal (redeemable for a stay at a Marriott property equivalent to up to 35,000 points)
• Earn an additional free night after $60,000 spent in a calendar year
• No foreign transaction fee (see rates and fees)
• Free employee cards with individual limits (see rates and fees)
• Travel insurance and consumer protections: secondary rental car insurance, lost, stolen or damaged luggage insurance, purchase protection and extended warranty. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
• Terms apply

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

Pros

• No annual fee
• Intro APR on purchases
• Simple flat-rate rewards on all purchases
• Flexible redemption options
• Good for small businesses

• Earn 2 Membership Rewards® points per dollar on purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar) and 2 points per dollar with no limit on car rentals booked through American Express Travel
• 0% intro APR offer on purchases for 12 months, then a variable rate of 18.49% – 26.49% (see rates and fees)
• Redeem points for travel booked through American Express Travel, purchases via select online merchants, gift cards and more.
• Transfer points to different frequent flyer programs.
• No annual fee (see rates and fees)
• Foreign transaction fee of 2.7% (see rates and fees)
• Flexible credit limit
• Get free employee cards
• Account management tools like designating an account manager, setting individual card limits, and manage your receipts
• Travel benefits like travel accident insurance, baggage insurance, purchase protection, car rental insurance, roadside assistance and more. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit the benefits guide for more details. Underwritten by Amex Assurance Company.)
• Terms Apply

The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.

Pros

• Impressive welcome offer
• Great rewards on business spending
• Significant statement credits
• Airport lounge access
• Extensive travel protections and perks

• Earn 5X points on prepaid hotels and flights booked on AmexTravel.com
• Earn 2X points on prepaid rental cars booked on AmexTravel.com
• Earn 1.5X points on qualifying purchases of $5,000 or more on electronic goods, retailers, software, cloud service providers, construction materials, hardware supplies and shipping providers (on up to $2 million in combined spending each year)
• Earn 1X points on all other spending
• Earn 120,000 points after spending $15,000 on eligible purchases in the first three months
• Annual fee of $695 (See rates and fees)
• Flexible points redemption: no blackout dates, no earning caps and points don’t expire
• No foreign transaction fees (See rates and fees)
• Free access for you and two guests to over 1,400 airport lounges through the American Express Global Lounge Collection
• Complimentary night or property credit up to $250 for eligible stays at participating Fine Hotels + Resorts properties
• Complimentary night or property credit up to $100 for eligible stays at participation Hotel Collection properties
• Up to $400 statement credit on Dell purchases each year
• Up to $360 statement credit on Indeed products and services (up to $90 per quarter)
• Up to $300 onboard credit on eligible cruise bookings through the Cruise Privileges Program
• Up to $200 statement credit for airline fees with a selected airline each year
• Up to $189 statement credit for CLEAR® membership application each year
• Up to $150 statement credit on select Adobe purchases each year
• Up to $120 statement credit on wireless telephone purchases (up to $10 per month)
• Up to $100 application credit for Global Entry or TSA PreCheck every 5 years
• Free employee cards with individual limits
• Travel insurance and purchase protections: trip delay insurance, trip cancellation and interruption insurance, return protection and baggage insurance, secondary car rental insurance, purchase protection and extended warranty coverage (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company)
• Terms apply

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

Pros

• Attainable welcome offer
• Hotel perks, including status and free nights
• Variety of earning categories
• No foreign transaction fees

• Earn 12X Hilton Honors Bonus Points on direct Hilton hotel purchases
• Earn 2X to 8X points at restaurants using the Hilton Honors Dining Program
• Earn 6X points on select travel and business purchases
• Earn 3X points on Lyft rides
• Earn 3X points on all other spending
• Earn 130,000 points after spending $3,000 in the first three months
• Earn 10,000 points every 10 nights after you’ve stayed 30 nights in a calendar year, then 30,000 points every 10 nights after you’ve stayed 60 nights in a year
• Complimentary Hilton Honors Gold Status, including boosted base points and every fifth night free on reward stays
• Receive one free night each year after spending $15,000 and a second free night after spending $45,000 in a calendar year
• Receive 10 complimentary visits each year to Priority Pass Select lounges
• Earn points and discounts on car rentals with Alamo, Enterprise or National Rental Car
• Annual fee of $95 (See rates and fees)
• No foreign transaction fee (See rates and fees)
• Flexible points redemption: no blackout dates, points caps or point expiration (as long as your membership is active at least every 12 months)
• Free employee cards with individual limits
• Travel insurance and consumer protections: travel and emergency assistance, baggage insurance, car rental insurance, purchase protection and extended warranty (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
• Terms apply