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Best business credit cards with a 0% intro APR

Choosing a card with an introductory APR can be a great move for a small business. You can pay off large purchases over time without worrying about accruing interest – allowing you to truly invest in your business.

If you have a large business purchase looming ahead that you want to finance, there are plenty of great small business credit cards that offer 0% interest on new purchases for the first few months of card ownership.

Read on to learn about some of the best business credit cards with an intro APR.

See Related: How does credit card APR work?

Chase Ink Business Cash® Credit Card

  • Chase Ink Business Unlimited® Credit Card
  • American Express Blue Business Cash™ Card
  • Blue Business® Plus Credit Card from American Express
  • Capital One® Spark® Cash Select for Business
  • Capital One® Spark® Miles Select for Business
  • Best intro APR business card for office supplies: Chase Ink Business Cash® Credit Card

    The Ink Business Cash Credit Card offers one of the longest introductory periods available on the market – 0% for the first 12 months on purchases (13.24% to 19.24% variable APR thereafter). Plus, the card comes with a competitive earning rate that makes it a particularly good choice for small business owners who need to stock up on office supplies.

    Chase Ink Business Cash® Credit Card
    Ink Business Cash

    Why should you get this card?

    If you’re determined to keep costs to a minimum, the Chase Ink Business Cash Credit Card offers a lot of cash back on your business purchases — including purchases made on employee cards — for no annual fee.

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    Other things to know:

    • 5% cash back on internet, cable and phone services and at office supply stores (on up to $25,000 in purchases per year)
    • 2% cash back on gas and dining (on up to $25,000 in purchases per year)
    • 1% cash back on other purchases
    • $750 if you spend $7,500 in first 3 months
    • No fee for employee cards
    • Mobile wallet app to track receipts

    Beyond a competitive intro APR, the Ink Business Cash card offers plenty of potential value for cardholders with a competitive rate of cash back on internet, cable and phone services, office supplies, gas and dining purchases. If you spend a lot of money on office supplies or you frequently charge client dinners to your business card, you can rack up plenty of rewards with the Ink card.

    Best intro APR business card for a flat rate on all purchases: American Express Blue Business Cash™ Card

    The American Express Blue Business Cash™ Card offers an intro APR of 0% on new purchases for the first 12 months of card ownership (13.24% to 19.24% variable APR thereafter). Unlike the Ink Business Cash card, the Amex Blue Business Cash offer the same 2% cash back on all purchases, up to $50,000 per calendar year (1% thereafter). If you have a wide variety of purchases to make for your business, this flat rate might equate more rewards.

    American Express Blue Business Cash™ Card
    Blue Business Cash

    Why should you get this card?

    The American Express Blue Business Cash Card comes with a major selling point: 2% cash back on your first $50,000 of purchases each year for no annual fee.

    Read full review

    Other things to know:

    • 2% cash back on up to $50,000 in purchases per calendar year, then 1% cash back
    • Eligibility to enroll in American Express Working Capital Terms
    • Free employee cards
    • Business expense-tracking tools
    • No annual fee

    Adding to its appeal for small business owners, the Blue Business Cash card comes with access to top-notch business perks from Amex, including expense-tracking tools and the ability to enroll in Working Capital Terms.

    Alternate #1: The Blue Business® Plus Credit Card from American Express

    If points are more your speed than cash back, the Blue Business® Plus Credit Card from American Express offers the same generous rewards rate as the Blue Business Cash – with one key difference. Rather than cash back, Blue Business Plus cardholders earn 2 Membership Rewards points per dollar on the first $50,000 in spending each year and 1 point per dollar on all purchases thereafter.

    value Membership Rewards points at an average of 1.19 cents per point. If you redeem your rewards strategically, you can stretch them a long way.

    Plus, the Blue Business Plus card offers the same lengthy introductory interest rate on new purchases – making it a top-notch card for financing large purchases in the first year (after that, it’s 13.24% to 19.24%).

    Alternate #2: Chase Ink Business Unlimited® Credit Card

    Another popular Chase small business credit card, the Ink Business Unlimited® Credit Card offers the same 12 months interest-free for new purchases (13.24% to 19.24% variable APR thereafter) as the Ink Business Cash. But unlike the Ink Business Cash card, the Ink Business Unlimited offers the same flat rate of cash back on all purchases – 1.5%.

    Though a slightly lower rate than the Amex Blue Business Cash or Blue Business Plus, this earning rate is still great for cardholders who don’t weigh their spending heavily to one particular category. For a card with no annual fee, it is a pretty generous earning scheme. Plus, there are no caps on what you can earn. If you spend significantly more than $50,000 per year on your business, the ongoing flat rate of 1.5% might make more sense for you.

    Other intro APR business cards

    While a 0% interest rate is a compelling reason to choose a business rewards card, you should also ensure that the rewards rate on the card closely matches your spending habits. This will boost your ability to eke plenty of value out of the cards even after the intro APR ends.

    If none of these Chase or American Express cards seem right for your spending, Capital One also offers two cards with introductory APRs. Both the Capital One® Spark® Cash Select for Business* and the Capital One® Spark® Miles Select for Business* offer a 0% APR on new purchases for the first nine months (13.99% to 23.99% variable APR thereafter).

    Though this introductory period is shorter than those on competing business cards, it might be worth taking a shorter offer if one of these card’s rewards better suits your spending. With the Spark Cash Select, you can earn 1.5% cash back on every purchase. The Spark Miles Select comes with 5 miles per dollar on hotels and rental cars booked through Capital One Travel, while other purchases earn 1.5 miles per dollar.

    Bottom line

    Business credit cards are a valuable resource, as they can improve your cash flow while allowing users to rack up rewards on all their business purchases. By choosing a card with an introductory APR, you can pay off large purchases or debt over time without racking up interest – saving yourself money to reinvest in your business.

    *The information about Capital One Spark Cash Select for Business and Capital One Spark Miles Select for Business has been collected independently by CreditCards.com. The card details have not been reviewed or approved by the card issuer.

    Source: creditcards.com