Published By Janet Gershen-Siegel at August 12th, 2019
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 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?
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.
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 one and a half 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.
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.
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.
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.
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 introductory period.
Get it here: https://www.capitalone.com/credit-cards/quicksilver/
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.
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.
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.
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%.
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.
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 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 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/
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.
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.