Best 0% Interest Business Credit Cards 2023

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Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

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
Ink Business Cash Credit Card
$0.00 annual fee
  • pro
    Up to 5% cash back on eligible purchases
  • pro
    Intro 0% APR on purchases for 12 mos. (16.99%–22.99% variable APR after)
Best for instant approval
American Express Blue Business Cash™ Card
$0.00 annual fee
  • pro
    Instant approval and use available
  • pro
    0% intro APR for 12 mos. (17.49% - 25.49% variable APR after)
Best flat-rate rewards
Ink Business Unlimited Credit Card
$0.00 annual fee
  • pro
    Flat-rate cash back rewards on all eligible purchases
  • pro
    0% intro APR on purchases for 12 mos. (16.99%–22.99% variable APR after)
Best for foreign spending
Capital One Spark Cash Select for Business
$0.00 annual fee
  • pro
    No foreign transaction fees
  • pro
    0% intro APR for 12 mos. (18.99% - 26.99% variable APR after)

Data as of 12/19/22. Offers and availability may vary by location and are subject to change.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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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.

Chase’s Ink Business Cash Credit Card is our top pick, but we found plenty of other good choices too. Let’s save you some cash on credit card interest.

Compare the best 0% interest business credit cards

Card
First-year/ongoing annual fee
Purchase APR
Introductory APR
Get a card
$0.00/$0.0016.99%–22.99% variable0% intro APR on purchases for 12 mos.
$0.00/$0.0017.49% - 25.49% variable0% intro APR for 12 mos.
$0.00/$0.0016.99%–22.99% variable0% intro APR on purchases for 12 mos.
$0.00/$0.0018.99% - 26.99% variable0% intro APR for 12 mos.

Data as of 12/19/22. Offers and availability may vary by location and are subject to change.

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 Credit Card: Best overall 0% interest business credit card

Ink Business Cash from Chase Bank
$0.00 annual fee
  • pro
    1–5% cash back rewards
  • pro
    $900 in bonus cash back after spending $6,000 in 3 mos.
  • pro
    Free employee cards

Data effective as of 12/19/22. Offers and availability may vary by location and are subject to change.

The Ink Business Cash Credit 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 the Ink Business Cash Credit Card top our rankings? Well, the interest rates sure help. While the Ink Business Cash Credit Card 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% introductory interest. And after that, you’ll get a 16.99% to 22.99% variable APR for your ongoing card use.

But that’s just one feature. We also love the Ink Business Cash Credit Card’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, the Ink Business Cash Credit Card has a generous welcome bonus, giving you the chance to earn an additional $900 (more than most cash back cards offer).

Then there’s the fact that the Ink Business Cash Credit Card 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 the Ink Business Cash Credit Card. 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 Credit Card has going for it, though―from rates to rewards―it’s still our highest scoring 0% small-business card.  

Pros
pro Very high max. rewards rate
pro No annual fee
pro Big welcome bonus
Cons
con High cash back limited to some categories
con Above-average cash advance fee

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

American Express Blue Business Cash™ Card
$0.00 annual fee
  • pro
    1–2% cash back rewards
  • pro
    $250 in statement credit after spending $3,000 in 6 mos.
  • pro
    Free employee cards

Data effective as of 12/19/22. Offers and availability may vary by location and are subject to change.

Can’t wait to get your new business credit card? With the American Express Blue Business Cash™ Card, 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 American Express Blue Business Cash™ Card gives you a 0% intro APR period that lasts a whole year (followed by a 17.49% to 25.49% variable APR). 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. (Terms apply.)

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

Pros
pro Instant approval and use
pro Expanded Buying Power for qualified cardholders
pro Below-average purchase APR
Cons
con High credit requirements
con Limits on 2% cash back

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 (followed by the same 17.49% to 25.49% variable APR)―but the Blue Business® Plus Credit Card earns points instead of cash (including bonus points as a signup bonus).  (Terms apply to this one too.)

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

Ink Business Unlimited Credit Card: Best flat-rate rewards

Ink Business Unlimited Credit Card
$0.00 annual fee
  • pro
    1.5% cash back rewards
  • pro
    $900 in bonus cash back after spending $6,000 in 3 mos.
  • pro
    Free employee cards

Data effective as of 12/19/22. Offers and availability may vary by location and are subject to change.

Prefer a flat rewards rate to tiered rewards? The Ink Business Unlimited Credit 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 Credit 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 Credit Card has most of the same perks as our other Chase card pick, the Ink Business Cash Credit Card. The Ink Business Unlimited Credit Card has the same generous cash welcome bonus (a high $900), competitive fees and ongoing APR, and so on. And of course, you get the 0% intro APR period for 12 months (and then a 16.99% to 22.99% variable APR).

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

Pros
pro Flat cashback rate on all purchases
pro 12 mo. intro APR period
pro Competitive welcome bonus
Cons
con Low max. reward amount
con High cash advance and balance transfer fees

Capital One Spark Cash Select for Business: Best for foreign transactions

Capital One Spark Cash Select for Business
$0.00 annual fee
  • pro
    1.5% cash back rewards
  • pro
    No foreign transaction fees
  • pro
    Free employee cards

Data effective as of 11/7/22. Offers and availability may vary by location and are subject to change.

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

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. Capital One Spark Cash Select for Business, however, doesn’t. It offers free foreign transactions, so you make international purchases without worrying about how the fees all add up.

Capital One Spark Cash Select for Business also gives you twelve months at a 0% interest rate (with an ongoing 18.99% to 26.99% variable APR). And it earns cash rewards at a flat rate (like the Ink Business Cash Credit Card), so you don’t have to worry about timing or placing your purchases correctly. Plus, like our other top cards, Capital One Spark Cash Select for Business 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 Capital One Spark Cash Select for Business offers just what you need.

Pros
pro Flat rewards rate for all purchases
pro No foreign transaction fees
pro No annual or balance transfer fees
Cons
con No way to optimize rewards
con No welcome bonus for new cardholders

Capital One Spark Miles Select for Business: 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: Capital One Spark Miles Select for Business.

The two cards work pretty comparably, but with a different APR (the Miles card has an APR of 23.99% variable). However, they have the same fees and so forth. Capital One Spark Miles Select for Business 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: an extra 50,000 miles once you spend $4,500 in the first 3 months.

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

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The takeaway

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

For business owners that need a new card like, yesterday, the American Express Blue Business Cash™ Card gives you a shot at instant approval and use. The Ink Business Unlimited Credit Card keeps rewards simple with the best flat-rate rewards program. And Capital One Spark Cash Select for Business 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.

Related reading

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.

Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

0% interest business credit card FAQ

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.

You will need a good or excellent credit score to be approved for 0% interest credit card offers. That means you'll need a FICO Score of 670 or higher.

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 Credit Card 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?

The Ink Business Cash Credit Card 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.

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.

Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

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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