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Empower Your Business with 0 Interest Business Credit Cards

Published By Janet Gershen-Siegel at December 28th, 2017

Get Epic 0 Interest Business Credit Cards

Do you know how to get 0 interest business credit cards? We break down the many choices out there to show you the best corporate credit cards with 0% interest.

Per the SBA, corporate credit card limits are often 10 – 100 times that of personal cards! This means you can get a lot more cash with business credit.

And this also means you can have personal credit cards at retail stores, and now have a second card at the same shops for your company. And you will not need collateral, cash flow, or financials to get small business credit.

0 Interest Business Credit Cards: Benefits

Features vary, so make certain to pick the perk you prefer from this selection of possibilities.

0 Interest Business Credit Cards – Pay Nothing!

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 yearly fee and comes with a 0% introductory APR on purchases for the first nine months. After that, 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 1.5 points/dollar on all other purchases. You can get unlimited points and points will never expire.

There is a 25,000-point sign-up bonus when you spend $1,000 within the first 60 days of starting the account. Cardholders get travel accident insurance, and lost luggage reimbursement. They also get trip cancellation coverage, trip delay reimbursement and other advantages.

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/

Capital One ® Quicksilver ® Card

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

New cardholders have a 0% interest on purchases and balance transfers for the first 15 months after opening 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 a minimum of $500 on purchases in 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. On top of that, 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 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 permitting any more than that, and the higher APR after the initial 15 months.

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

JetBlue Plus Card

Have a look at the JetBlue Plus Card for yet another offer of a 0% introductory APR

Earn six points/dollar on JetBlue purchases, two points/dollar at restaurants and grocery stores, and one point/dollar on all other purchases. Spend $1,000 in the first 90 days and pay the annual fee, and get 40,000 bonus points. New cardholders get a 12 month, 0% initial APR on balance transfers made within 45 days of account opening.

After that, 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.

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

Alternatives to 0 Interest Business Credit Cards: Secure Business Credit Cards for Average Credit

Wells Fargo Business Secured Credit Card

Check out the Wells Fargo Business Secured Credit Card. It charges a $25 annual fee per card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is meant to help cardholders establish or rebuild their credit.

Choose if you want to get 1.5% per dollar in purchases with no limits or earn one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed, and you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a card for balance transfers.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

0 Interest Business Credit Cards Credit Suite

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

Alternatives to 0 Interest Business Credit Cards: Outstanding Business Credit Cards with No Annual Fee

Capital One ® Spark ® Classic for Business

Try the Capital One Spark Classic for Business. There are cash-back rewards. The card earns an unlimited 1% cash back on all purchases.

With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage, and travel and emergency assistance services.

But REMEMBER: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.

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

0 Interest Business Credit Cards Credit Suite

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

Costco Anywhere Visa ® Business Card by Citi

Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa ® Business Card by Citi?

This card earns cash back with every purchase. Get 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Get 3% cash back at restaurants and on eligible travel purchases. Also, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Keep in mind: the $0 yearly fee is only for Costco members, and an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.

Also, there is no sign-up bonus offered with this card.

Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card

Uber Visa Card

Check out the Uber Visa Card. Uber is the first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.

The card provides 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, earn 3% back on hotel, airfare and vacation home rentals. And earn 2% back on online purchases. So, this includes retailers and subscription services such as Uber and Netflix. And earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly in the app.

By spending a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending a minimum of $5,000 per year are eligible to receive a $50 credit toward online subscription services. If you pay your cellphone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to certain events and offers. Uber expects most of these offers to be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.

But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range. Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accumulate a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given day.

Get it here: https://www.uber.com/c/uber-credit-card

Alternatives to 0 Interest Business Credit Cards: Terrific Cards for Cash Back

SimplyCash Plus Business Credit Card form American Express

Consider the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is 0% interest on purchases for the initial 15 months an account is open. But when the introductory period ends, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.

0 Interest Business Credit Cards Credit Suite

This card has various 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 American 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 yearly spending. Then, you get 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

Alternatives to 0 Interest Business Credit Cards: Credit Builder Company Credit Cards – Make Your Credit Surge!

Discover it ® Student Cash Back

Make sure to check out the Discover it ® Student Cash Back card. It has no yearly fee. The credit card also offers a six-month introductory period of 0% interest on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.

One unique feature is that it provides an incentive for scholars to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit every year for up to five years.

Use this credit card to build personal credit. While this is a personal credit card versus a business credit card, for new credit users, their FICO scores will matter, and this credit card offers an outstanding way to raise FICO while also getting rewards.

You can get 5% cash back at different places each quarter such as grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.

In the initial year, all cash back rewards are matched 100%.

Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.

Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html

0 Interest Business Credit Cards Credit Suite

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

Your Best 0 Interest Business Credit Cards and More

Your absolute best 0 interest business credit cards hinge upon your credit history and scores. Just you can determine which features you want and need, so make sure to do your research. And, as always, make certain to build business credit in the recommended order for the best, fastest benefits.

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