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Best 0% intro APR business credit cards

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As a business owner, you’ll find plenty of compelling reasons to pursue a 0 percent APR credit card. These products’ savings are particularly attractive because you can charge what you need, make at least the minimum payments, and the issuer won’t add financing fees to the revolved balance. If you pay off the debt before the regular interest rate begins, all the money you borrow with the card will be free of any financing fees. Depending on the amount you spend, that can translate into hundreds or even thousands of dollars in saved interest.

Additionally, many 0 percent APR business credit cards allow you to rack up valuable rewards as you charge, both during and after the introductory period. Some also offer a welcome bonus, with which you can earn plenty of rewards just by charging a certain amount within a specific period directly after opening an account.

All 0 percent APR business credit cards provide at least some form of cardholder perks. Deciding on the proper one can be a challenge. Below, we’ll take a look at the top zero-interest business credit cards on the market today:

Best business credit cards with 0% intro APR in 2022

American Express Blue Business Cash Card: Best for flat-rate cash back

The American Express Blue Business Cash Card offers an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 13.99 percent to 21.99 percent. There is no annual fee, and you’ll earn 2 percent cash back on your first $50,000 in eligible purchases each year (then 1 percent back). The card’s current welcome offer allows you to earn a $250 statement credit after you make $3,000 in purchases on your card within the first three months.

Benefits include Amex’s Expanded Buying Power option—which lets cardholders exceed the credit limit without being charged an over-limit fee (subject to approval on a case-by-case basis)—car rental loss and damage insurance, extended warranties and purchase protection.

Ink Business Cash Credit Card: Best for cash back in business spending categories

The Ink Business Cash Credit Card gives cardholders an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 13.49 percent to 19.49 percent. There is no annual fee, and a welcome bonus of $750 is available if you spend $7,500 within three months of account opening.

You’ll earn 5 percent cash back on up to $25,000 in combined spending at office supply stores and on internet, cable and phone services each account anniversary year (then 1 percent back); 2 percent back on up to $25,000 in combined spending at gas stations and restaurants each account anniversary year (then 1 percent back); and 1 percent cash back on all other purchases. Other benefits include free employee cards and travel and purchase insurance.

The Blue Business Plus Credit Card from American Express: Best for travel rewards

The Blue Business Plus Credit Card from American Express offers an introductory 0 percent APR on purchases for 12 months, then a variable APR of 13.99 percent to 21.99 percent thereafter. There is no annual fee, and you’ll get perks like secondary auto rental coverage insurance, purchase protection and extended warranties. The welcome offer allows you to earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within your first three months.

You’ll earn 2X Membership Rewards points on the first $50,000 you spend with the card per year (1X points thereafter) and 2X points on prepaid rental cars booked through AmexTravel.com. Cardholders can redeem points for statement credits, travel through the Amex portal, merchandise, gift cards or the Pay with Points program. You can also transfer your points to over a dozen hotel and airline partners.

U.S. Bank Business Platinum Credit Card: Best for extra-long 0% APR

The U.S. Bank Business Platinum Credit Card provides an exceptionally long 0 percent APR offer for purchases and balance transfers—20 billing cycles. Once the introductory period ends, the APR will rise to a variable rate of 12.74 percent to 21.74 percent. There is also no annual fee for this card.

While the card comes with basic benefits, such as controlling the charging activities of employees who are on the account, it does not offer a rewards program. The primary reason to choose this card is if you need to carry or transfer a balance for more than 12 months and you don’t want to be charged interest.

Capital One Spark Cash Select – 0% Intro APR for 12 Months: Best for good credit

The Capital One Spark Cash Select for Business was recently split into two cards: the Capital One Spark Cash Select – $500 Cash Bonus and the Capital One Spark Cash Select – 0% Intro APR for 12 Months. As the Capital One Spark Cash Select – 0% Intro APR’s card name suggests, it offers an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 17.49 percent to 25.49 percent. For rewards, this card offers a flat, unlimited 1.5 percent cash back on all purchases. It does not have an annual fee, and the perks include secondary auto rental insurance, lost luggage replacement, and travel and emergency assistance.

Although many 0 percent APR credit cards require card applicants to have very good to excellent credit scores, this card is available to people with good credit. In this case, good credit is defined as not having declared bankruptcy or defaulted on a loan in the past five years, and not having been more than 30 days late on any loan or credit card payment in the past year.

Is a 0% intro APR business credit card right for you?

A business card with a 0 percent intro APR offer for purchases is a good choice if you need to finance a large purchase over time and you don’t want to get stuck with high interest fees. Some business cards, like the U.S. Bank Business Platinum Credit Card, offer a 0 percent intro APR period for balance transfers, too. This type of card would be a good choice if you want to transfer a balance and pay off that balance over time interest-free.

However, if you don’t need to pay off debt or a large purchase over time, take a look at some of the other business credit cards on the market to see if there’s another card that better meets your business needs. You may be able to get a card with better category rewards or a better welcome offer, among other perks.

How to choose a 0% intro APR business credit card

As you search for the right business credit card with a 0 percent introductory APR, consider the following factors:

  • Introductory APR timeline. Decide, in advance, how long you want the 0 percent APR offer to last, then weigh that need against the other account benefits. A card with a shorter 0 percent APR deal may be preferable when the rewards and perks are better.
  • Regular APR. After the introductory 0 percent APR period ends, the regular rate begins. If you plan to revolve balances in the future, look for a card with the lowest interest rates.
  • Rewards and benefits. Do you want a cash back card or one that allows you to accumulate points or miles? Flat-rate rewards are simple, but you may earn more with one that provides a higher rate in certain categories. Read over the benefits associated with the card, too, as they should match your business needs and operations. Lastly, consider whether or not you want a card with a welcome bonus as not all business cards offer them.
  • Fees. Know the fixed and potential costs of the account. Some have annual fees, and those that do typically have more extensive rewards programs. Cards not developed for travel often have foreign transaction fees. There are usually fees for paying late and exceeding a limit, both of which are avoidable with responsible use, but it’s important to know what they would be if problems arise.

0% intro APR business credit cards FAQ

Below are some frequently asked questions about business credit cards that can help you decide which card is right for you.

What are the credit requirements for a business credit card?

You will usually need good to excellent credit to qualify for business credit cards. This typically means having a FICO score of 670 or higher. However, you’ll have a better chance of approval if your score is at least 740. While you may be able to get a business credit card with poor credit, your options will be limited.

Do I need to have an established business to apply?

You can apply for a business credit card even if your company is still in the idea stage. If you don’t have an Employer Identification Number (EIN), you can apply as a sole proprietor using your Social Security number. The IRS will evaluate your income and other financial details for approval.

How do I avoid interest on a 0% APR credit card?

With a 0 percent APR business card, issuers will add no financing fees to balances during the introductory period. To avoid any applied interest, pay off the entire balance before that period ends. When the regular rate starts, you can avoid any interest added to the bill by paying the balance in full by the due date every month.

Can the 0% APR be canceled early?

The card issuer may cancel the deal prematurely if you pay late or send less than the minimum requested payment. Consider enrolling in the card issuer’s automatic bill pay system to offset this possibility. That way, you know you’ll send at least the minimum payment on time.

The bottom line

Business credit cards that provide new cardholders with many months of interest-free financing are enticing. Not only can they save you a lot of money and provide you with payment flexibility, they often come with other valuable features like cash back rewards, welcome offers and more. By choosing the best card for you and using it wisely, you and your business will come out ahead.

Written by
Erica Sandberg
Credit And Money Management Expert Contributor
Erica Sandberg is a credit and money management expert who began her career at Consumer Credit Counseling Service (CCCS). There, she helped individuals and families overcome their debt issues and developed budgets, then transitioned into the agency’s primary media spokesperson.
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