Credit Suite Blog

Get current information on getting credit and loans to grow your business

CLICK HERE TO LEARN MORE

Your Question: What is the Best Choice Business Credit Card with 0% APR?

Published By Janet Gershen-Siegel at February 19th, 2019

The Very Best Choice Business Credit Card with 0% APR

Your terrific question was: What is the best choice business credit card with 0% APR? We did the research for you. So here are our favorites.

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

This means you can get a lot more cash with small business credit. And this also means you can have personal charge cards at stores. So you would now have an additional card at the same stores for your company.

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

Card Benefits

Perks vary, so make certain to select the advantage you prefer from this collection of options.

Best Choice Business Credit Card with 0% APR – Pay Zero!

For a 0% APR time period, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no annual fee. It’s got an interest-free time period. It has versatile cash-back rewards. There are spending limits for your employees. But you will have to have a credit score of 690 or higher.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR time period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn double points on ordinary company expenses up to an annual cap. But the normal APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

Best Choice Business Credit Card with 0% APR: Reliable Low APR/Balance Transfers Business Credit Cards

For Low APR/Balance Transfers Business Credit Cards, we prefer the U.S. Bank Business Edge Platinum. So you begin with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer fee.

Afterwards, the purchase APR is a variable 10.49% – 18.49%. And this depends upon creditworthiness. There is no yearly fee. But this card is only on offer to people with great or superb credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Best Choice Business Credit Card Credit Suite

 

Check out our professional research and score the best business credit cards for your business.

Blue Business Plus from American Express

Also, check out the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no annual fee.

Right now small businesses can get double points. But this is on the first $50,000 in purchases per year.

Get it here: https://creditcard.americanexpress.com/blue/

Secure Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will need a credit score of 690 or higher.

But BEAR IN MIND: the ongoing APR is 23.99% variable APR.

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

Corporate Credit Cards for Luxurious Travel Points

For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is during your very first three months. Terms and limitations apply.

In addition earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made straight with Delta. Also, earn one mile per eligible dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also get Gold Status when you register for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point per dollar spent on most purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on qualified purchases. But this is up to one million more points per year. Get five points per dollar. But this is for buying flights and prepaid hotels from the American Express Travel site.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, make sure to have a look at the Ink Business Preferred Card from Chase. Earn 80,000 bonus points. But this is once you spend $5,000 on purchases. And it is within your first three months from account opening.

Get three points per dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, get one point for each dollar on all of the other purchases. There is no limit to the amount you can earn.

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

Best Choice Business Credit Card Credit Suite

 

Check out our professional research and score the best business credit cards for your business.

Credit Builder Company Credit Cards – Make Your Credit Surge!

Check out the Wells Fargo Business Secured Credit Card. It allows cardholders to obtain a credit limit of $500 – $25,000. The amount offered is identical to the amount of money you furnish to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the annual fee is $25. But the more cards you have, the higher your annual fee is going to be.

This card lets company owners with poor personal credit to acquire a card to make purchases and set up business credit.

But the card will just report to the personal credit agencies if you default or are behind on payments.

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

Terrific Cards for Cash Back

Consider the SimplyCash Plus Business Credit Card from American Express. So you can earn as much as $400 cash back. Earn a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to the first $50,000 of yearly spending.

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

Additionally you get 1% cash back on all other purchases.

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

Bank of America Business Advantage Cash Rewards MasterCard

Best Choice Business Credit Card Credit SuiteAlso, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can earn a $200 statement credit. But this is after $500 in purchases. And that is within 60 days of account opening.

You also get 3% cash back on purchases at gasoline stations and office supply stores. But this is as much as $250,000 yearly.

Also, you get 2% cash back on purchases at restaurants. And get 1% cash back on all purchases. Also, there is no yearly fee. But it is on offer to applicants with exceptional credit.

But you can only redeem your cash back in $25 increments.

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

Spark Cash Select from Capital One

In addition, consider the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is with no restrictions.

New cardholders can also get a $200 cash bonus. But that is once they spend $3,000 on new purchases. So this is within three months of account opening.

New customers also get introductory APR of 0% on purchases. But that is for nine months. Also, there is no yearly fee.

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

Unbeatable Cards for Jackpot Rewards

Take a look at the Business Gold Rewards Card from American Express OPEN. So you can earn 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card during first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the other categories.

Also, get one point per dollar on all other purchases. It has a $0 annual fee for the first year. But then your annual fee goes up to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Best Choice Business Credit Card Credit Suite

 

Check out our professional research and score the best business credit cards for your business.

Business Platinum Card from American Express OPEN

Also, check out the Business Platinum ® Card from American Express OPEN. So you can get as much as 75,000 Membership Rewards points upon account opening.

Also earn 50,000 Membership Rewards points. But this is subsequent to spending $10,000.

In addition, get 25,000 more points. But that is after spending an additional $10,000 all on qualified purchases. But this is during the first three months.

Also you can get five times the Membership Rewards points. So this is on airline flights and pre-paid hotels on amextravel.com. But it has a $450 yearly fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Best Choice Business Credit Card with 0% APR: Your Best Business Credit Cards

Your best choice business credit card with 0% APR will hinge upon your credit history and scores.

Just you can figure out which benefits you want and need. So make sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make sure to build credit in the recommended order for the most brilliant, fastest benefits.

Best Choice Business Credit Card Credit Suite

 

Check out our professional research and score the best business credit cards for your business.

Leave a Reply

Your email address will not be published. Required fields are marked *