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

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

  • American Express Blue Business Cash™ Card

    Straightforward cash back for businesses with no annual fee

    • 1–2% Cash Back*Rewards Rate
    • 18.49% – 26.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    American Express Blue Business Cash™ Card

    Terms, rates and fees apply

  • American Express® Business Gold Card

    A dynamic rewards card for high-spending business owners

    • 1–4 Points per $1Rewards Rate
    • 19.49% – 27.49% VariableAPR
    • $295Annual Fee
    • Good–ExcellentRecommended Credit

  • Capital One Spark Miles for Business

    Best flat-rate rewards card for frequent travelers

    • 2 Miles per $1Rewards Rate
    • 26.24% VariableAPR
    • $95 ($0 first year)Annual Fee
    • Good–ExcellentRecommended Credit

  • Delta SkyMiles® Gold Business American Express Card

    Great rewards for Delta loyalists

    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $99Annual Fee
    • Good–ExcellentRecommended Credit

  • Ink Business Cash® Credit Card

    Best for earning rewards on office supplies

    • 1–5% Cash Back*Rewards Rate
    • 18.49% – 24.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

  • Marriott Bonvoy Business® American Express® Card

    Great for hotel rewards and perks for business spending

    • 2–6 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $125Annual Fee
    • Good–ExcellentRecommended Credit

  • 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® pointsRewards Rate
    • 18.49% – 26.49% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

  • The Business Platinum Card® from American Express

    Top-tier business card with premium travel benefits

    • 1–5 Points per $1*Rewards Rate
    • 19.49% – 27.49% VariableAPR
    • $695Annual Fee
    • Good–ExcellentRecommended Credit

  • The Hilton Honors American Express Business Card

    Great for earning Hilton Honors points

    • 3–12 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit


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.

About Grace Pilling

Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at and Bankrate, where she focused on teaching people how to use credit cards wisely.

*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.
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