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Get 0% APR Business Credit Cards

Published By Janet Gershen-Siegel at March 23rd, 2021

Get 0% APR Business Credit Cards

0% APR Business Credit Cards Can Be Within Your Reach

Are you an entrepreneur looking for 0% APR Business Credit Cards? Check out our choices – you can make it work for your business.

We looked into lots of low and zero APR business credit cards for you. So, here are our choices.

0% APR Business Credit Cards Can Be a Great Choice

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

This reveals you can get a lot more cash with business bank card.

And you will not need collateral, cash flow, or financials to get small business credit.

Company Credit Card Benefits

Benefits can vary. So, see to it to select the benefit you like from this selection of alternatives.

And always check rates on the appropriate sites.

0% APR Business Credit Cards: Introductory APR– Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly charge. There is a 0% introductory APR for the initial year. Afterwards, the APR is a variable 13.24– 19.24%.

Get double Membership Rewards® points on everyday business purchases like office supplies or client suppers for the initial $50,000 spent each year. Get 1 point per dollar later on.

You will need good to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express ® Blue Business Cash Card

Also have a look at the American Express ® Blue Business Cash Card. Note: the American Express ® Blue Business Cash Card the same as the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash versus points.

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. After that get 1%.

It has no annual fee. There is a 0% initial APR for the first year. Afterwards, the APR is a variable 13.24– 19.24%.

You will need great to excellent credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Terrific Cards for Cash Back

Boosted Cash Back Categories

Bank of America ® Business Advantage Cash Rewards MasterCard ® credit card

Take a look at the Bank of America ® Business Cash Rewards MasterCard ® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 12.24%– 22.24% variable. There is no annual charge. You can get a $300 statement credit deal.

Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. After that earn 1% after, with no restrictions.

You will need excellent credit scores to qualify.

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

Bonus Categories

Ink Business Cash℠ Credit Card0 APR business credit cards Credit Suite2 - Get 0% APR Business Credit Cards

Take a look at the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% initial APR for the first year. After that, the APR is a variable 13.24– 19.24%. You can get a $750 one-time cash bonus after spending $7,500 in the first 3 months from account opening.

You can get 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.

Get 2% cash back on the first $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.

You will need outstanding credit to get approved for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One ® Spark® Cash for Business card. It has an introductory $0 annual charge for the initial year. After that, this card costs $95 annually. There is no initial APR deal. The regular APR is a variable 20.99%.

You can get a $500 one-time cash bonus after spending $4,500 in the first three months from account opening. Get unlimited 1.5% cash back with Cash Select.

You will need great to impressive credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

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Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Flat-Rate Rewards and No Yearly Fee

Discover it ® Business Card

Check out the Discover it ® Business Card. It has no yearly fee. These are 0% APR business credit cards for one year. Afterwards the regular APR is a variable 14.49– 22.49%.

Get unlimited 1.5% cash back on all purchases, without any category constraints or bonuses. They double the 1.5% Cashback Match ™ at the end of the initial year. There is no minimal spend requirement.

You can download transactions quickly to Quicken, QuickBooks, and Excel. Note: you will need good to outstanding credit to get approved for this card.
https://www.discover.com/credit-cards/business/

Irresistible Cards for Jackpot Rewards That Never Expire

Capital One ® Spark® Cash Select for Business

Take a look at the Capital One ® Spark® Cash Select for Business card. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limitation on the cash back you can earn. Additionally earn a one-time $200 cash bonus once you spend $3,000 on purchases in the very first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 13.99%– 23.99% variable APR after that.

You will need good to outstanding credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

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Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Alternatives to 0% APR Business Credit Cards: Business Credit Cards for Extravagant Travel

Flat-rate Travel Rewards

Capital One ® Spark® Miles for Business

Take a look at the Capital One ® Spark® Miles for Business card. It has an initial annual fee of $0 for the initial year, which after that rises to $95. The regular APR is 20.99%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer costs. Late fees go up to $39.

This card is great for travel if your expenses do not fall under common reward categories. You can get unlimited double miles on all purchases, without any limitations. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction charge. You will need a great to superb FICO rating to qualify.

Earn 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Bonus Travel Categories with a Sign-Up Deal

Ink Business Preferred ℠ Credit Card

For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred ℠ Credit Card.

Pay an annual fee of $95. Regular APR is 15.99– 20.499%, variable. There is no initial APR offer.

Get 100,000 bonus points after spending $15,000 in the first 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem through Chase Ultimate Rewards.

Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, net, cable, and phone services. Plus it includes marketing purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a good to remarkable FICO score to qualify.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

No Annual Fee

Bank of America ® Business Advantage Travel Rewards World MasterCard® credit card

For no yearly fee while still getting travel rewards, take a look at this card from Bank of America. It has no annual fee and a 0% initial APR for acquisitions throughout the first 9 billing cycles. Afterwards, its regular APR is 12.24– 22.24% variable.

You can get 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get limitless 1.5 points for every $1 you spend on all purchases, anywhere, every time. And this is regardless of how much you spend.

Likewise earn 3 points per every dollar spent when you book your travel (automobile, hotel, airline) with the Bank of America ® Travel Center. There is no limit to the number of points you can get and points do not expire.

You can earn up to 75% more points on every purchase if you have a corporate checking account with Bank of America and qualify for Preferred Rewards for Business.

You will need superb credit scores to get this one (as in, 700s or better).
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

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Alternatives to 0% APR Business Credit Cards: Safe Corporate Credit Cards for Fair Credit

Capital One® Spark® Classic for Business

Look at the Capital One® Spark® Classic for Business. It has no yearly cost. There is no introductory APR offer. The regular APR is a variable 26.99%. You can get unlimited 1% cash back on every purchase for your company, with no minimum to redeem.

While this card is available if you have average credit scores, beware of the APR. Nonetheless if you can pay on schedule, and in full, then it’s a bargain.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

The Greatest 0% APR Business Credit Cards for You

Your straight-out best 0% APR business credit cards depend upon your credit history and scores.

Only you can pick which features you want and need. So, to do your research. What is terrific for you could be disastrous for another individual.

And, as always, make sure to build credit in the recommended order for the very best, speediest benefits.

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