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HomeTop Global NewsBest 0% APR Business Credit Cards of November 2023

Best 0% APR Business Credit Cards of November 2023


Some business credit cards offer introductory 0%-APR periods for purchases and/or balance transfers. These deals can be a great way to finance business expansions or to reduce the interest you’re paying on existing debt.

But there’s more to these cards than just a limited-time no-interest offer. The ongoing benefits and the rewards you earn on purchases can be just as important to consider. Below, CNBC Select details the best 0%-APR small business credit cards for a variety of needs.

Best 0% APR business credit cards

Best for long intro-APR period

Best for no annual fee

Ink Business Unlimited® Credit Card

  • Rewards

    Earn 1.5% cash back on every purchase made for your business

  • Welcome bonus

    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 12 months from account opening on purchases; N/A for balance transfers

  • Regular APR

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

Pros

  • No annual fee
  • Free employee cards
  • Simple cash-back program
  • Special financing offer for purchases

Cons

  • 3% fee charged on purchases made outside the U.S.

Best for welcome bonus

Ink Business Cash® Credit Card

  • Rewards

    Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year (then 1%); 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%); 1% cash back on all other purchases

  • Welcome bonus

    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

  • Annual fee

  • Intro APR

    0% for the first 12 months from account opening on purchases; N/A for balance transfers

  • Regular APR

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

Pros

  • No annual fee
  • Free employee cards
  • Cash back geared toward popular business expenses
  • Special financing offer for purchases

Cons

  • 3% fee charged on purchases made outside the U.S.

Who’s this for? Anyone who wants to rapidly earn points on popular business expenses and is looking for a large intro bonus should consider the Ink Business Cash® Credit Card.

Intro APR offer: New cardholders are eligible for an intro 0%-APR on purchases for 12 months from account opening, then an 18.49% to 24.49% APR applies.

[ Jump to more details ]

Best for cash back

U.S. Bank Triple Cash Rewards Visa® Business Card

  • Rewards

    Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants, 1% cash back on all other eligible net purchases

  • Welcome bonus

    Earn $500 in cash back. Just spend $4,500 on the account owner’s card in the first 150 days of opening your account.

  • Annual fee

  • Intro APR

    0% for 15 billing cycles on purchases and balance transfers

  • Regular APR

    19.24% – 28.24% (Variable)

  • Balance transfer fee

    Either $5 or 3% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

  • Credit needed

Pros

  • No annual fee
  • $500 welcome bonus offer
  • No limit on cash back earned
  • Interest-free period for the first 15 billing cycles on purchases and balance transfers
  • Annual $100 statement credit for recurring software subscription services

Cons

  • 3% foreign transaction fee

Best for travel rewards

The Blue Business® Plus Credit Card from American Express

On the American Express secure site

  • Rewards

    Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year, then 1X point per dollar

  • Welcome bonus

    Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

  • Annual fee

  • Intro APR

    0% for 12 months on purchases from date of account opening

  • Regular APR

    18.49% – 26.49% variable; APRs will not exceed 29.99%

  • Balance transfer fee

  • Foreign transaction fee

  • Credit needed

Pros

  • No annual fee
  • Straightforward rewards program

Cons

  • 2.7% foreign transaction fee

More on our top 0%-APR business credit cards

U.S. Bank Business Platinum

Ink Business Unlimited® Credit Card

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card’s welcome bonus is incredibly valuable, especially when you consider this card has no annual fee. It also offers useful bonus spending categories for common small business expenses.

Rewards

  • 5% back on Lyft rides through March 2025
  • 5% back on the first $25,000 spent in combined purchases each account anniversary at office supply stores and on cable, internet and phone services
  • 2% back on the first $25,000 spent in combined purchases each account anniversary at gas stations and restaurants
  • 1% back on all other purchases

Welcome bonus

Earn a $900 bonus after spending $6,000 on purchases in the first three months from account opening.

Annual fee

$0

Notable perks

In addition to the Ink Business Cash’s 0%-intro APR offer, cardholders get these benefits on eligible purchases:

Employee cards are available for no fee.

[ Return to card summary ]

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

The Blue Business® Plus Credit Card from American Express

How do 0% APR business credit card offers work?

FAQs

What is a good APR for a business credit card?

Credit card interest rates have been increasing, with some cards charging more than 30%. This makes an APR in the mid to low teens a comparatively good rate.

What credit score do you need for a 0% APR business card?

Do 0%-APR offers hurt your credit score?

A 0%-APR offer can negatively impact your credit score if it causes you to carry a higher balance and increase your credit utilization ratio.

Bottom line

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Why trust CNBC Select?

Our methodology

For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

Information about the U.S. Bank Business Platinum and U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.





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