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Top 7 Business Credit Cards with Zero Percent Interest

If you’re looking to give your business a financial boost without the immediate burden of interest, you’re in the right place. Many business credit cards offer zero percent interest promotions, allowing you to make significant purchases or manage cash flow without incurring extra costs. To help you navigate your options, we’ve compiled a list of the top 7 business credit cards with zero percent interest offers. These cards are perfect for entrepreneurs looking to maximize their cash flow and manage their business expenses efficiently.

1. Chase Ink Business Unlimited® Credit Card

0% Intro APR on Purchases: 12 months
Ongoing APR: Variable, 19.24% – 25.24%
Key Benefits:

  • Unlimited 1.5% cash back on every purchase
  • No annual fee
  • Comprehensive purchase protection and extended warranty

Why It’s Great: The Chase Ink Business Unlimited® Credit Card provides a substantial 0% intro APR on purchases for the first 12 months, making it an excellent choice for businesses looking to invest in new equipment or cover other expenses without immediate interest costs.

2. American Express Blue Business Plus® Credit Card

0% Intro APR on Purchases: 12 months
Ongoing APR: Variable, 19.99% – 29.99%
Key Benefits:

  • 2x Membership Rewards® points on everyday business purchases up to $50,000 annually
  • No annual fee
  • Access to American Express’ network of business tools and resources

Why It’s Great: The American Express Blue Business Plus® Credit Card is perfect for businesses that want to earn rewards while enjoying a 0% intro APR period on purchases for the first 12 months. Its straightforward rewards program is a bonus for frequent spenders.

3. Capital One Spark Cash Select for Business

0% Intro APR on Purchases: 9 months
Ongoing APR: Variable, 19.24% – 27.24%
Key Benefits:

  • 1.5% cash back on every purchase
  • No annual fee
  • No foreign transaction fees

Why It’s Great: This card offers a 0% intro APR on purchases for the first 9 months, ideal for short-term financing needs. Its straightforward cash back rewards make it a solid choice for businesses seeking simplicity and value.

4. Bank of America® Business Advantage Customized Cash Rewards Mastercard®

0% Intro APR on Purchases: 9 billing cycles
Ongoing APR: Variable, 18.24% – 28.24%
Key Benefits:

  • 3% cash back on the category of your choice (from a list of 6 options)
  • 2% cash back on dining
  • No annual fee

Why It’s Great: With 0% intro APR on purchases for 9 billing cycles and the flexibility of choosing your bonus category, this card is great for businesses that want to tailor their rewards to their spending habits while enjoying temporary relief from interest charges.

5. Wells Fargo Business Platinum Credit Card

0% Intro APR on Purchases: 9 months
Ongoing APR: Variable, 18.49% – 28.49%
Key Benefits:

  • No annual fee
  • Access to Wells Fargo’s business management tools
  • Flexible spending limits

Why It’s Great: The Wells Fargo Business Platinum Credit Card offers 0% intro APR on purchases for the first 9 months, providing a useful tool for managing expenses and utilizing Wells Fargo’s comprehensive business services.

6. U.S. Bank Business Platinum Card

0% Intro APR on Purchases: 18 billing cycles
Ongoing APR: Variable, 19.49% – 29.49%
Key Benefits:

  • No annual fee
  • Expense management tools
  • Flexible spending limits

Why It’s Great: This card stands out for its extended 18-month 0% intro APR period on purchases, giving your business ample time to pay off larger expenses without interest pressure. It’s also a solid choice for businesses looking for long-term financial flexibility.

7. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

0% Intro APR on Purchases: 12 months
Ongoing APR: Variable, 19.24% – 27.24%
Key Benefits:

  • 2x AAdvantage® miles on American Airlines purchases
  • 1x mile on other purchases
  • First checked bag free on American Airlines flights

Why It’s Great: If your business frequently travels, this card offers a great mix of travel benefits and a 0% intro APR on purchases for the first 12 months. It’s perfect for managing expenses while earning rewards on travel-related spending.

Conclusion

Choosing the right business credit card with a zero percent interest offer can provide significant financial relief and opportunities for growth. Whether you’re looking to earn rewards, enjoy cash back, or simply manage expenses more effectively, these top 7 business credit cards offer great options to help you achieve your financial goals.

Always remember to carefully review each card’s terms and conditions to ensure it aligns with your business needs. By leveraging these zero percent interest offers, you can better manage your cash flow and invest in your business’s future.