Best 0% intro APR business credit cards

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There are many reasons to take a closer look at zero interest business credit cards, yet most people sign up due to the savings they can achieve. After all, 0 percent APR business cards let you avoid interest payments on purchases for up to a year in some cases, which can yield hundreds or thousands of dollars in interest savings depending on how much you spend.

Some business credit cards with 0 percent APR also let you earn rewards on everything you buy, which you may be able to redeem for cash back, travel, merchandise and more. Bankrate compared the top zero interest business credit cards on the market today to find the best available options, and the cards below made our ranking.

Bankrate’s top picks for business credit cards with 0% intro APR in 2021:

American Express Blue Business Cash™ Card: Best for earning 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 13.24 percent to 19.24 percent. There’s no annual fee, and you’ll earn a flat 2 percent cash back on the first $50,000 you spend on eligible purchases with your card per year, then 1 percent. You can also qualify for travel benefits like secondary auto rental coverage insurance, as well as purchase benefits like purchase protection against damage or theft and extended warranties.

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

The Blue Business® Plus Credit Card from American Express also lets you enjoy an introductory 0 percent APR on purchases for 12 months (from the date of account opening), followed by a variable APR of 13.24 percent to 19.24 percent. The rewards rate on this card works similarly to the cash back version, except you’ll earn 2X Membership Rewards points on the first $50,000 you spend per year, then 1X points. You’ll also get an unlimited 2X points on prepaid rental cars booked through AmexTravel.com.

As most people know, points in the American Express Membership Rewards program can be redeemed for travel through the Amex portal or transfers to Amex airline and hotel partners, among other options. Lastly, there’s no annual fee, and you’ll get perks like secondary auto rental coverage insurance, purchase protection and extended warranties.

Ink Business Unlimited® Credit Card: Best for earning a large bonus

If you want to save money with an introductory low interest rate and earn a large welcome bonus, the Ink Business Unlimited® Credit Card could be what you need. You’ll save money with an introductory 0 percent APR on purchases for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent. However, you also get the chance to earn 1.5 percent cash back on each dollar you spend, as well as $750 in bonus cash when you spend $7,500 within three months of account opening.

You’ll also get cardholder benefits like primary auto rental coverage insurance when you rent a car for business purposes, travel and emergency assistance services, purchase protection and extended warranties.

Capital One Spark Cash Select for Business: Best for a quick sign-up bonus

The Capital One Spark Cash Select for Business offers an introductory 0 percent APR on purchases for 9 months, followed by a variable APR of 13.99 percent to 23.99 percent. You also get the chance to earn a $200 bonus with a much lower spending requirement of just $3,000 within three months of account opening—and that’s on top of the 1.5 percent cash back you earn on all your purchases.

There’s no annual fee, yet you’ll get perks like secondary Auto Rental Insurance, Lost Luggage Replacement and travel & Emergency Assistance. This card also comes with no foreign transaction fees. (Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details)

Ink Business Cash® Credit Card: Best for rewards categories

The Ink Business Cash® Credit Card also gives new cardholders the chance to avoid interest on purchases with an introductory 0 percent APR for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent. There’s no annual fee, yet 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) and 1 percent back on other purchases. You also get the chance to earn $750 in bonus cash when you spend $7,500 on your card within three months of account opening.

There’s no annual fee, yet you’ll get benefits like primary auto rental coverage insurance when you rent a car for business rentals, extended warranties, purchase protection, travel and emergency assistance services.

How to choose the best 0 percent intro APR business credit card

As you search for the right business credit card with a 0 percent introductory APR, there are many important factors to keep in mind and compare. The following tips can help you wind up with the right zero-interest business card for your needs.

Consider the introductory APR timeline

Where some business credit cards offer an intro 0 percent APR for 12 months, others offer this benefit for a shorter timeline. All things being equal, it makes sense to look for a business credit card with zero interest for the longest timeline possible.

Look at the ongoing variable APR

Also, consider the fact that, once your introductory period is over, you’ll be stuck paying any remaining balances with the regular variable APR your credit card charges. Make sure you know and understand this rate and look for a card with the lowest interest rate you can find.

Decide on the rewards you want

Many business credit cards offer flexible rewards you can redeem in more than one way, but others only let you cash in your rewards for cash back or statement credits. Spend some time comparing rewards programs so you wind up with the type of rewards you think you can use.

Compare fees and cardholder perks

While most business credit cards with an introductory 0 percent APR don’t charge an annual fee, you should compare offers based on other fees they charge, including late fees, returned payment fees and more. Also, be sure to look at the cardholder benefits you can qualify for and whether you want travel perks or consumer protections for purchases you make with your business credit card.

0 percent intro APR business credit cards FAQ

Ready to apply for a business credit card? These frequently asked questions and answers can help you arm yourself with information.

What do I need to qualify for a business credit card?

While card issuers don’t disclose their eligibility requirements, you will typically need good, very good or excellent credit to qualify for the best business credit cards. This typically means having a FICO score of 670 or higher, but you have the best chances at approval if your score is at least 740. You may be able to get a business credit card with poor credit, but your options will be limited.

In addition to good credit, your business needs a proven history of income. You can apply for a business credit card with an Employer Identification Number (EIN) if you have one, but you can also apply as a sole proprietor using your Social Security number.

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

To avoid interest on your credit card, you should pay your balance in full every month. If you have a business card that gives you a 0 percent APR for a limited time, you’ll want to make sure you pay off the entire balance before your introductory period ends.

What is a balance transfer fee, and can I avoid it?

A balance transfer fee is charged by some cards when you transfer debt from one credit card to another. If you plan to use a balance transfer credit card, you can look for options that don’t charge this fee. Just remember that options may be limited.

Are credit card rewards considered taxable income for my business?

Credit card rewards are considered a rebate on your spending, so they are not counted as taxable income.

The bottom line

Signing up for a business credit card makes a lot of sense, and that’s true whether you want to earn rewards or save money with an introductory 0 percent APR. Fortunately, many of the top business credit cards offer rewards and savings on interest for up to a year. With that being said, make sure to compare all the best credit cards on the market today before you apply.