Credit Suite Blog

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

CLICK HERE TO LEARN MORE

Get Credit Card Offers 0 APR

Published By Janet Gershen-Siegel at August 12th, 2019

The Very Best Credit Card Offers 0 APR

We looked at a ton of business credit card offers 0 APR, and did the research for you. So here are our choices.

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

This shows you can get a lot more funds with 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 retailers for your business.

And you will not need collateral, cash flow, or financial data in order to get small business credit. So why pay an interest rate with these credit card offers 0 APR?

Credit Card Offers O APR – Advantages

Benefits can differ. So, make certain to pick the perk you would prefer from this selection of alternatives. Because business credit card offers 0 APR aren’t the only great deals out there.

Business Credit Card Offers 0 APR – 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 initial nine months. After that, the card has a 13.24 – 23.24% variable APR

Earn 3 points/dollar spent when you book travel via the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can earn unlimited points and points never expire. This is one of the better business credit card offers 0 APR.

Details

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

They likewise get trip cancellation coverage, trip delay reimbursement and other perks.

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

Have a look at the Capital One® Quicksilver® Card. It features flat-rate rewards of 1.5% on all purchases. There are no limits how much in cash back rewards that cardholders can attain. Also, the card has a $0 yearly fee. This is a decent one of the business credit card offers 0 APR and the introductory period is decent.

Details

New cardholders have a 0% APR on purchases and balance transfers for the first 15 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.

In addition, there is a cash bonus of $150 is offered to cardholders who make at least $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 15 months.

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

Discover it® Student Cash Back

Also, be sure to take a look at the Discover it® Student Cash Back which has a 0% APR for an introductory six-month period.

It has no annual fee. And there is an APR of 14.99 – 23.99% variable on all purchases after the introductory period.

One one-of-a-kind feature is that it offers an incentive for students to maintain good grades with a $20 statement credit. If students earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit annually for up to five years.

This is possibly the best of the business credit card offers 0 APR.

Details

Use the card to build personal credit. While this is a personal card versus a business card, for new credit users, their FICO scores will be important.

And this credit card offers an excellent way to raise FICO while also earning rewards.

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

In the first 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 more. And even 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

Credit Card Offers 0 APR Credit Suite

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

Ink Business Cash℠ Credit Card

Have a look at the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every single 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 yearly 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 card includes travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection. For day to day expenses, this is one of the better business credit card offers 0 APR.

Details

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

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

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

0% Interest Business Credit Card Offers Credit Suite

JetBlue Plus Card

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

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

Details

Spend $1,000 in the first 90 days and pay the yearly fee, and get 40,000 bonus points. New cardholders get a 12 month, 0% initial APR on balance transfers made in 45 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 annual fee for this card. This is a decent one of the business credit card offers 0 APR but mind the annual fee.

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

Reliable Low APR/Balance Transfers Business Credit Cards

Discover it® Cash Back

Check out the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer. So, this is for transfers under this offer which post to your account by January 10, 2019.

After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based on the Prime Rate.

Details

You can earn 5% cash back at different places each quarter. So, these are establishments like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. In addition, automatically earn unlimited 1% cash back on all other purchases.

You will earn an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year, automatically.

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

Remarkable Business Credit Cards with No Annual Fee

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 get 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 within the app.

By spending a minimum of $500 in the first 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 annually are eligible to receive a $50 credit toward online subscription services.

Details

If you pay your cellular phone bill with this card, you are insured up to $600 for cellphone damage or theft.

Cardholders are eligible for exclusive access to specific events and offers. Uber anticipates the majority 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 at least 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/

Credit Card Offers 0 APR 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 somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?

This credit card earns cash back with every purchase. Earn 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, get 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.

Keep in mind: the $0 annual 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

United MileagePlus Explorer Business Card

Get a good look at the United MileagePlus Explorer Business Card.

Earn 2 miles/dollar with United and at restaurants, gas stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.

Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.

Details

Also, get two United Club passes annually. And get hotel and resort perks including upgrades. On top of that, get early check-in and late checkout. And get an auto rental collision damage waiver.

Plus, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.

After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.

Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business

Secure Business Credit Cards for Average Credit

Capital One® Spark® Classic for Business

For fair credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. The card earns an unlimited 1% cash back on all purchases. There is an annual fee of $0.

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 you get travel and emergency assistance services.

But KEEP IN MIND: 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/

Credit Card Offers 0 APR Credit Suite

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

The Perfect Business Credit Card Offers 0 APR for You

Your outright best business credit card offers 0 APR will 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 others.

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

 

 

Leave a Reply

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