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What are Terrific 0 APR Business Credit Cards?

Published By Janet Gershen-Siegel at March 6th, 2018

What are Terrific 0 APR Business Credit Cards?

We Know the Best 0 APR Business Credit Cards

What are the best business credit cards for 0% APR? We break down the details and show you the best 0 APR business credit cards.

Per the SBA, small business credit card limits are a whopping 10 – 100 times that of consumer credit cards!

This reveals you can get a lot more money with small business credit. And it also shows you can have personal credit cards at retailers. So you would now have an added card at the same shops for your business.

And you will not need collateral, cash flow, or financial data in order to get company credit.

Credit Card Benefits

Perks can vary. So, make sure to choose the benefit you would prefer from this array of options. Because 0 APR business credit cards might not be your best option.

The Best 0 APR Business Credit Cards – Pay Absolutely Nothing!

Capital One® Quicksilver® Card

Have a look at the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits how many cash back rewards that cardholders can attain. Also, the card has a $0 annual fee.

Details

These are great 0 APR business credit cards.

New cardholders have a 0% APR on purchases and balance transfers for the first  fifteen months after starting the account. And then they have a 14.74 – 24.74% (variable) APR after that. A cash bonus of $150 is offered for those who make at least $500 on purchases within 3 months of account opening.

Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.

Furthermore, there is a cash bonus of $150 is available to cardholders who make a minimum of $500 on purchases within 3 months of account opening.

The card also offers travel accident insurance. And you can get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.

Downsides are the flat reward rate, not allowing for any more than that. And then there’s the increased APR after the first fifteen months.

Get it here: https://www.capitalone.com/credit-cards/quicksilver/

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Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no annual fee and comes with a 0% introductory APR on purchases for the first nine months. Afterwards, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel with the Bank of America Travel Center and one and a half points/dollar on all other purchases. You can earn unlimited points and points never expire.

Details

There is a 25,000-point sign-up bonus when you spend $1,000 in the initial 60 days of opening the account. Cardholders get travel accident insurance, and lost luggage reimbursement.

They additionally get trip cancellation coverage, trip delay reimbursement and other benefits. These are rather good 0 APR business credit cards.

There is no introductory rate for balance transfers. Also, bonus categories are limited.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

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JetBlue Plus Card

Have a look at the JetBlue Plus Card for an additional offer of a 0% introductory APR

Get six points/dollar on JetBlue purchases, two points/dollar at eating establishments and grocery stores. And get one point/dollar on all other purchases.

Details

Spend $1,000 in the initial 90 days and pay the annual fee, and earn 40,000 bonus points. New cardholders get a 12 month, 0% introductory APR on balance transfers made within forty-five days of account opening.

Afterwards, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based on creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.

There is a $99 yearly fee for this card. You can likely better 0 APR business credit cards.

Get it here: https://cards.barclaycardus.com/cards/jetblue-card/

Outstanding Business Credit Cards with No Annual Fee

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash ℠ Credit Card. Companies can get cash back with every purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.

There is a $0 annual fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.

The credit card comes with travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.

Details

Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.

Note: this credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is greater. Also, there is a foreign transaction fee of 3%.

Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash
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Terrific Cards for Cash Back

SimplyCash Plus Business Credit Card form American Express

Take a look at the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is a 0% APR on purchases. So this is for the first fifteen months an account is open.

But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

Details

This card has several benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.

Also, get 5% cash back at US office supply stores and on wireless telephone services. So, these must be bought from US service providers. But this applies to the initial $50,000 of annual spending. Then, you earn 1% cash back.

You also get 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you earn 1% cash back.

Cash-back bonuses are automatically credited to the customer’s billing statement.

Note: you cannot use this credit card for balance transfers. There is a foreign transaction fee of 2.7%. The credit card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.

And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

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The Perfect 0 APR Business Credit Cards for You

Your absolute best 0 APR business credit cards – or any other sort – hinge on your credit history and scores.

Only you can pick which features you want and need. So be sure to do your homework. What is excellent for you could be disastrous for another person.

And, as always, make certain to establish credit in the recommended order for the best, fastest benefits.

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