Best 0% Interest Business Credit Cards 2021

We’ve rounded up business card options that give you a 0% interest rate for at least nine months―and many benefits after that.
Best overall
JP Morgan Chase Bank Business
Ink Business Cash
3.8 out of 5 stars
3.8
$0.00 annual fee
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
  • Icon Pros  Dark
    Visa card
Best for balance transfers
US Bank
U.S. Bank Business Cash Rewards World Elite Mastercard
3.7 out of 5 stars
3.7
$0.00 annual fee
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 cycles
  • Icon Pros  Dark
    Mastercard card
Best for instant approval
american express logo
Blue Business Cash Card from American Express
3.6 out of 5 stars
3.6
$0.00 annual fee
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
  • Icon Pros  Dark
    American Express card
Best flat-rate rewards
JP Morgan Chase Bank Business
Ink Business Unlimited
3.6 out of 5 stars
3.6
$0.00 annual fee
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
  • Icon Pros  Dark
    Visa card
Best for foreign spending
Capital One
Spark Cash Select from Capital One
3.5 out of 5 stars
3.5
$0.00 annual fee
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 9 mos.
  • Icon Pros  Dark
    Capital One card

A high interest rate can make even an affordable business credit card too expensive. Luckily, plenty of credit card companies offer an intro APR period with a 0% interest rate. That way, you don’t have to worry about credit card interest―at least for a little while.

Sounds like a bargain, right? That’s why we’ve found the best business credit card options that offer a 0% introductory APR period. And we’ve compared other card factors―like ongoing interest rates, rewards programs, signup bonus offers, and more―to bring you the very best no-interest small-business credit cards.

Let’s save you some cash on credit card interest.

The best 0% interest business credit cards

Compare the best 0% interest business credit cards

Card
First-year/ongoing annual fee
Purchase APR
Introductory APR
Get a card
JP Morgan Chase Bank Business

Ink Business Cash

$0.00/$0.0013.24%–19.24%0% for 12 mos.
US Bank

U.S. Bank Business Cash Rewards World Elite Mastercard

$0.00/$0.0013.99%–22.99%0% for 12 cycles
american express logo

Blue Business Cash Card from American Express

$0.00/$0.0013.24%–19.24%0% for 12 mos.
JP Morgan Chase Bank Business

Ink Business Unlimited

$0.00/$0.0013.24%–19.24%0% for 12 mos.
Capital One

Spark Cash Select from Capital One

$0.00/$0.0013.99%–23.99%0% for 9 mos.

Data effective 5/11/21. At publishing time, pricing and features are current but are subject to change. Offers may not be available in all areas.

Business credit card expenses

As we’ve already said, a 0% APR (annual percentage rate) gives you a chance to save money on credit card interest―because you won’t accrue any.

But interest isn’t the only business credit card expense you’ll have, and even the best 0% intro APR period lasts only so long. So let’s make sure you know what costs to expect from a small-business credit card.

First, you’ve got fees. Some business credit cards (and personal credit cards, for that matter) charge an annual fee for use. Even if you get a card with no annual fee (which is entirely possible, as you’ll see), you may have other card fees:

  • Foreign transaction fee
  • Balance transfer fee
  • Employee card fee
  • Cash advance fee
  • Late payment fee

All those fees will start day one―even during your introductory APR period.

And as we said, that intro APR period won’t last forever. So make sure you know exactly how long yours does last, since you’ll start accruing interest immediately afterward. In most cases, you’ll end up with a variable rate, which means your interest rate can change over time.

Of course, the best practice for any business owner with a credit card is to simply pay off your credit card balance in full each month. That way, you’ll never have to worry about paying interest―even after your introductory APR ends.

Ink Business Cash: Best overall 0% interest business credit card

JP Morgan Chase Bank Business
Ink Business Cash from Chase Bank
3.8 out of 5 stars
3.8
  • $0.00 annual fee
  • Check
    1–5% cash back rewards
  • Check
    $750 in bonus cash back after spending $7,500 in 3 mos.
  • Check
    Free employee cards

The Ink Business Cash card from Chase Bank is our favorite 0% interest credit card for most business owners. (It’s also our favorite business credit card, period.)

So what makes Ink Business Cash top our rankings? Well, the interest rates sure help. While Ink Business Cash doesn’t have the longest introductory APR we’ve seen (that would be the U.S. Bank Business Platinum Card below), it does give you a full year of 0% interest. And after that, you’ll get a very competitive variable APR for your ongoing card use.

But that’s just one feature. We also love Ink Business Cash’s reward program. It gives you―you guessed it―cash back on your business purchases. You can earn up to 5% cash back (the highest reward rate we’ve found on a business credit card). Plus, Ink Business Cash has a generous welcome bonus, giving you the chance to earn an additional $750 (more than most cash back cards offer).

Then there’s the fact that Ink Business Cash doesn’t charge an annual fee or employee card fee―and has competitive fees otherwise―and we think it’s clear you’ve got yourself a top-notch small-business credit card.

We will say, though, that not every business owner will love Ink Business Cash. Its sky-high reward rate applies only to eligible purchases (the first $25,000 you spend on internet, phone, cable, and office supply company expenses in a year). Most purchases earn 1% (though your first $25,000 in gas and restaurant cost earn 2%). So depending on where and how you spend, you may not earn as much cash as you’d like.

Considering all the Ink Business Cash card has going for it, though―from rates to rewards―it’s still our highest scoring 0% small-business card.

U.S. Bank Business Cash Rewards World Elite Mastercard: Best for balance transfers

US Bank
U.S. Bank Business Cash Rewards World Elite Mastercard
3.7 out of 5 stars
3.7
  • $0.00 annual fee
  • Check
    1–3% cash back rewards
  • Check
    $500 in bonus cash back after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Want to balance transfer your old credit card debt onto a new card? Go with the U.S. Bank Business Cash Rewards World Elite Mastercard.

The U.S. Bank Business Cash Rewards World Elite Mastercard is one of the few small-business cards we’ve found that offers a 9% intro APR period not just on new purchases, but also on balance transfers. So when you do your balance transfer from an old card, you don’t just get a better interest rate―you get 0% interest for a full year. (And yes, that rate does apply to new purchases too.)

You will have to pay a (normal and competitive) balance transfer fee. But the World Elite Mastercard has no annual fee or employee card fee. Plus, it gives you plenty of opportunities to earn cash back, with a high rewards rate of up to 3%. As an added bonus, this card gives you a 25% cash back bonus each year―and all that’s on top of the cash welcome bonus. 

So for affordable balance transfers and plenty of other credit card benefits, we recommend the U.S. Bank Business Cash Rewards World Elite Mastercard.

Blue Business Cash Card from American Express: Best for instant approval

american express logo
Blue Business Cash Card from American Express
3.6 out of 5 stars
3.6
  • $0.00 annual fee
  • Check
    1–2% cash back rewards
  • Check
    $250 in bonus cash back after spending $5,000 in 6 mos.; $250 more after spending $10,000 in 12 mos.
  • Check
    Free employee cards

Can’t wait to get your new business credit card? With the Blue Business Cash Card from American Express, you don’t have to.

See, American Express offers instant approval on its credit cards. So when you apply on its website, you can get an answer in just 30 seconds. (It’s not a guarantee, but if you have a high credit score, you’ll have better odds.) But several card issuers do that. American Express is the only credit card company, however, that also offers an immediate credit card number to business owners. So as soon as you’re approved, you can start using your new card.

And like the other cards we’ve discussed, the Blue Business Cash Card gives you a 0% intro APR period that lasts a whole year. Likewise, you won’t have to worry about common fees like an annual fee or employee card fee. Instead, you can just enjoy cash back rewards, including a welcome bonus with a generous timeframe.

In other words, if you want a good business card without the wait, the Blue Business Cash Card from American Express offers an excellent option.

Blue Business Plus Credit Card from American Express: A point-earning alternative

For business owners who like the sound of instant approval but would rather earn rewards points (that you can spend on gift cards, statement credit, and more), American Express also offers the Blue Business Plus Credit Card.

Almost all the card details are the same as the Blue Business Cash Card―no annual fee, instant approval and use, a one-year introductory APR―but the Blue Business Plus Credit Card earns points instead of cash (including bonus points as a signup bonus).  

So either card can work great for your business―it just comes down to your preference for cash or points.

Ink Business Unlimited: Best flat-rate rewards

JP Morgan Chase Bank Business
Ink Business Unlimited from Chase Bank
3.6 out of 5 stars
3.6
  • $0.00 annual fee
  • Check
    1.5% cash back rewards
  • Check
    $750 in bonus cash back after spending $7,500 in 3 mos.
  • Check
    Free employee cards

Prefer a flat rewards rate to tiered rewards? The Ink Business Unlimited card from Chase offers the best flat-rate option.

While the previous cards on this list earn different reward amounts depending on where you’re spending and how much you’ve spent, the Ink Business Unlimited card earns the same rewards rate on every purchase you make: a flat 1.5%. So though it doesn’t have the highest earning potential, it means you can earn a decent amount of cash rewards without overthinking your spending.

Plus, the Ink Business Unlimited has most of the same perks as our other Chase card pick, the Ink Business Cash Card. Ink Business Unlimited has the same generous cash welcome bonus (a high $750), competitive fees and ongoing APR, and so on. And of course, you get the 0% intro APR period for 12 months.

For simplified spending and earning, give the Ink Business Unlimited card a go.

Spark Cash Select from Capital One: Best for foreign transactions

Capital One
Spark Cash Select from Capital One
3.5 out of 5 stars
3.5
  • $0.00 annual fee
  • Check
    1.5% cash back rewards
  • Check
    $200 in bonus cash back after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Does your business ever require travel and purchases outside the US? Then you should take a look at the Spark Cash Select from Capital One.

Most credit cards (including all the cards we’ve already discussed) charge a foreign transaction between 2% and 3% on all purchases from outside the US. Spark Cash Select, however, doesn’t. It offers free foreign transactions, so you make international purchases without worrying about how the fees all add up.

Spark Cash Select also gives you nine months at a 0% interest rate. And it earns cash rewards at a flat rate (like Ink Business Unlimited), so you don’t have to worry about timing or placing your purchases correctly. Plus, like our other top cards, Spark Cash Select won’t gouge you with any annual fee or employee card fee.

Put simply, if you want a small-business credit card that works well both domestically and internationally, the Spark Cash Select offers just what you need.

Spark Miles Select from Capital One: A miles-earning alternative

If you’re spending much time outside the country anyway, you might find yourself more interested in travel rewards than cash rewards. Fortunately, Capital One offers a miles-based version of its Spark Select card: Spark Miles Select.

The two cards work pretty comparably, with the same APR (including intro APR period), fees, and so forth. Spark Miles Select simply earns miles instead of cash―but still at a flat rate. And yes, you can get extra miles as part of your signup bonus.

So whether you care more about cash or miles, there’s a Spark business card from Capital One for you.

Get a better business bank account

Want affordable banking with great perks? With BlueVine, you can get a fee-free business checking account―and you can even earn interest on account balances over $1,000.

Honorable mentions

We think our top five cards above will work best for most businesses. But if none of them look quite right, we’ve got a couple more cards worth considering.

Card
First-year/ongoing annual fee
Purchase APR
Introductory APR
Get a card
Wells Fargo

Wells Fargo Business Platinum Credit Card

$0.00/$0.00Prime + 7.99%–Prime + 17.99%0% for 9 mos.
US Bank

U.S. Bank Business Platinum Card

$0.00/$0.0011.99%–20.99%0% for 15 cycles

Data effective 5/11/21. At publishing time, pricing and features are current but are subject to change. Offers may not be available in all areas.

Wells Fargo Business Platinum Credit Card: Best ongoing APR

Wells Fargo
Wells Fargo Business Platinum Credit Card
  • $0.00 annual fee
  • Check
    1.5% cash back or 1x points rewards
  • Check
    $300 in bonus cash back or 30,000 in bonus points after spending $3,000 in 3 mos.
  • Check
    99 free employee cards

Want a great interest rate after your 0% APR period ends? That’s where the Wells Fargo Business Platinum Credit Card shines.

Wells Fargo ties the interest rates on the Business Platinum Credit Card to the Prime rate, which usually means its rates are a couple percentage points cheaper than the competition. Right now, for example, rights on the Platinum card start at just 11.24%―cheaper than any other card here. So though you will still accrue interest on your card balance, the Wells Fargo Business Platinum Credit Card can at least keep those interest costs down.

You do get nine months with no interest first, though. And you’ll earn flat-rate rewards the whole time. Wells Fargo even lets you choose between cash rewards and points rewards, so you can use the card in a way that makes more sense for your business. (Just note it earns cash at a higher rate than points.)

With no interest for nine months and low interest after that, the Wells Fargo Business Platinum Credit Card offers a great choice for business owners who want to keep interest charges down.

U.S. Bank Business Platinum Card: Longest intro APR

US Bank
U.S. Bank Business Platinum Card
  • $0.00 annual fee
  • X
    No rewards program
  • X
    No bonuses for new cardmembers
  • Check
    Free employee cards

Want to extend your 0% introductory APR as long as possible? That’s where the U.S. Bank Business Platinum Card comes in handy.

As you may have noticed, most other 0% credit cards give you between 9 and 12 months of no interest. But the U.S. Bank Business Platinum Card takes things further by giving you 15 whole cycles―another three months beyond what other cards offer. That means you get more than a year without worrying about interest. And take note―that 0% APR applies to both purchases and balance transfers.

That said, the longer intro period has its tradeoffs. The U.S. Bank Business Platinum Card is the only card ranked here that doesn’t earn rewards―no cash, no points, no miles. So as you can guess, it also doesn’t offer a welcome bonus for new cardmembers. In other words, the Business Platinum Card works great for saving on interest, but it’s not exactly a workhorse of a credit card. 

Still, the U.S. Bank Business Platinum Card has an unbeatable introductory APR period, making it a solid choice for your purchases and balance transfers.

0% interest business credit card FAQ

Can you get a business credit card with no credit?

Yes, you can get a business credit card with no credit―but you’ll have to get a secured business credit card.

Secured cards require collateral (a cash deposit) to qualify rather than a high credit score. So if you have bad credit or little credit history, you can use a secured business card to get credit and improve your credit score.

What is the easiest business credit card to get?

For an easy-to-get business credit card, we recommend the Wells Fargo Business Secured Credit Card. It’s a secured card, so you don’t need a good credit score to get it―just cash collateral.

What are the best credit cards for small businesses?

Chase’s Ink Business Cash is our overall favorite card for small businesses, because it has a great rewards program and competitive fees and rates.

There are plenty of other good credit cards for small businesses though. For more picks, take a look at our rankings of the best small-business credit cards.

What is the best 0% interest business credit card?

Ink Business Cash from Chase Bank is the best 0% interest business credit card. It gives you 12 months of 0% interest, has competitive interest rates after that, and has high cash earning potential.

The takeaway

Which 0 interest business credit card should you get? Most businesses should stick with Ink Business Cash, which offers one year with no interest, low rates after that, and a cash rewards program with high rates.

If you’re interested in 0% interest on balance transfers, the U.S. Bank Business Cash Rewards World Elite Mastercard offers your best bet. For business owners that need a new card like, yesterday, the Blue Business Cash Card from American Express gives you a shot at instant approval and use. Ink Business Unlimited keeps rewards simple with the best flat-rate rewards program. And Spark Cash Select from Capital One makes international spending more affordable with no foreign transaction fees.

No matter which card you get, we hope you enjoy saving on interest charges.

Find a 0% credit card that catches your interest? Make sure you’re ready to get your application in with our guide explaining how to apply for a business credit card.

Methodology

We researched dozens of credit cards to find business credit cards that offer a 0% introductory APR period. Once we had our short list, we compared and ranked the cards based on traits like ongoing APR, card fees, rewards programs, signup bonuses, and more. 

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Chloe Goodshore
Written by
Chloe Goodshore
Chloe covers business financing and loans for Business.org. She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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