How to choose the best 0% APR business credit card for you in 2025
- Understanding APR and how it affects your business
- What to consider when choosing a 0% APR business credit card
- What kind of business is a 0% APR or no-APR card best for?
- Best business credit cards with 0% intro APR or no APR
- How to use balance transfers on 0% APR business credit cards
- Tips for qualifying for a 0% APR (or no-APR) business credit card
- Why choosing Ramp’s no-APR Business Credit Card will help you save
If your business needs to make a big purchase, manage short-term cash flow, or pay off existing debt without racking up interest, a 0% APR business credit card can offer some breathing room.
But not all 0% APR offers are created equal. Some cards come with fees or interest rate hikes after the intro period. Others can take a different approach by eliminating interest entirely through a charge card model.
So yes, you can get an interest-free credit card for your business—but it’s important to understand how these offers work and what to watch out for. Let’s walk through how to choose the best 0% APR business credit card for your needs, and when these cards make the most sense.
Understanding APR and how it affects your business
Most business credit cards charge APR (Annual Percentage Rate), which is an interest rate applied when you carry a balance past your due date. This can significantly increase the cost of purchases or debt if not managed carefully. https://ramp.com/blog/what-does-0-apr-mean
Some cards offer a 0% introductory APR, meaning you can avoid interest on purchases (and sometimes balance transfers) for a limited time—typically 9 to 20 months. After that, your balance begins accruing interest at a much higher standard APR, which can vary based on your credit profile or market rates.
That’s why it’s important to distinguish between the three main types of APR scenarios:
- 0% Intro APR: A promotional period where no interest is charged. Ideal for short-term financing or balance transfers, but interest kicks in once the promo ends.
- Standard APR: The ongoing interest rate you’ll pay after the intro period ends (usually 15%–25%+). This applies if you carry a balance month-to-month.
- No APR (Pay-in-Full): Some business cards don’t charge interest at all because they require you to pay your balance in full each month. This can help you avoid debt entirely and maintain cash flow discipline.
The APR structure you choose should reflect how your business spends—from one-time investments to everyday expenses or a strict no-debt approach.
What to consider when choosing a 0% APR business credit card
To choose the right 0% APR business credit card, focus on how long you'll need interest-free financing and which features match your spending habits. Key factors include the length of the intro APR period, whether it covers balance transfers, the rewards program, fees, and any tools that support your business operations.
Here’s what to look for in more detail:
Factor | What to look for |
|---|---|
0% APR intro period | How long you'll get interest-free financing (usually 9 to 20 months). Make sure it’s long enough for your needs. |
Balance transfers | Some cards offer 0% APR on transferred balances too. Check if there’s a fee and how soon you need to transfer. |
Standard APR | This is the rate that kicks in after the intro period. Look for a lower rate in case you carry a balance later. |
Rewards program | Pick a card that gives points or cashback in categories your business actually spends on or choose flat-rate rewards. |
Additional fees | Look out for annual fees, late payment penalties, or foreign transaction fees. Make sure the benefits outweigh the costs. |
Spending limit | Does the card offer a high enough limit? Or a flexible one that grows with your business? Some charge cards adjust dynamically. |
Business tools | Features like free employee cards, expense tracking, or accounting integrations can save time and help manage spending. |
Approval requirements | Some cards look at your personal credit score (usually 700+). Others, like Ramp, may approve based on business revenue instead. |
What kind of business is a 0% APR or no-APR card best for?
The best business credit card isn’t just the one with the longest 0% APR—it’s the one that aligns with how your company spends and manages cash flow. Here's when a 0% intro APR card or a no-APR charge card might be the better fit:
When a 0% intro APR card makes more sense
A card with a 0% introductory APR period is a smart choice for businesses that need to carry a balance temporarily. This could include startups investing in equipment or marketing, or seasonal businesses stocking up before a peak sales period. If your business is confident it can pay down the balance before the promotional period ends, this kind of card can be an affordable financing tool.
When a no-APR charge card is the better option
If your business pays off its balance monthly and wants to avoid interest entirely, a charge card is often the better choice. These cards suit companies with steady cash flow—like agencies, eCommerce brands, or growing startups—and often come with tools for managing employee spend and budgets.
Ultimately, choosing between a 0% APR credit card and a no-APR charge card depends on whether your business needs short-term financing or is better served by interest-free control and automation.
Best business credit cards with 0% intro APR or no APR
Here are some of the best no APR and 0% intro APR business credit cards on the market right now:
- Ramp Business Credit Card
- Bank of America Business Advantage Customized Cash Rewards Credit Card
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard
- Capital One Spark Cash Select for Business
- Chase Ink Business Unlimited Credit Card
Let’s break down each of these cards in detail. Note that introductory rates typically do not apply to balance transfers or cash advances.
0% APR and no-APR card comparison
Annual Fee
$0
Intro APR
N/A — Charge card
Regular APR
N/A — Charge card
Rewards
Cashback
Bank of America Business Advantage Customized Cash Rewards Credit CardAnnual Fee
$0
Intro APR
0% for 9 billing cycles
Regular APR
17.49%–27.49%
Rewards
Cashback
U.S. Bank Business Triple Cash Rewards Visa Business Credit CardAnnual Fee
$0
Intro APR
0% for 12 months
Regular APR
17.99%–26.99%
Rewards
Cashback
Chase Ink Business Unlimited® Credit CardAnnual Fee
$0
Intro APR
0% for 12 months
APR
17.49%–23.49% variable
Rewards
Cashback
Capital One Spark Cash Select for BusinessAnnual Fee
$0
Intro APR
0% for 12 months
Regular APR
17.49%–23.49%
Rewards
Cashback
1. Ramp Business Credit Card
The Ramp Business Credit Card is a charge card with no APR and no fees. This card is designed to help you streamline expenses and optimize your company's financial resources.
The Ramp card works easily with your accounting software, giving you up-to-date info and helping you track spending automatically. With over 17M transactions auto-coded and synced to ERP systems, Ramp eliminates manual data entry and reduces errors. You also get cash back on purchases, so you save as you go. Ramp keeps things simple and efficient, helping you make smarter money choices without extra costs.
Key features:
- 0% APR and no fees
- Cashback on purchases
- Automated expense management with real-time insights
- Seamless integration with major accounting software
- Virtual and physical cards with custom spending limits
- Built-in expense policies and approvals
2. Bank of America Business Advantage Customized Cash Rewards Credit Card
The Bank of America Business Advantage Customized Cash Rewards Mastercard offers a 0% intro APR for 9 billing cycles, followed by an APR of 17.49% to 27.49%. This card lets you choose how you earn cashback based on your business spending.
Keep in mind, the higher cashback rates only apply to the first $50,000 you spend each year, the 0% APR period is shorter than some other cards, and some perks might require a Bank of America business account.
Key features:
- 0% introductory APR on purchases for 9 billing cycles
- No annual fee
- Earn 3% cashback in one choice category, 2% on dining, and 1% on all other purchases
- Option to choose your 3% cashback category monthly
3. U.S. Bank Business Triple Cash Rewards Visa Business Credit Card
The U.S. Bank Business Platinum Card gives you a 0% intro APR for 12 months, followed by an APR of 17.99% to 26.99%. It also has no annual fee, making it a cost-effective option for covering business expenses.
However, it doesn’t offer any cashback or rewards, so you won’t earn perks on your spending. There’s also a fee for balance transfers, and the interest rate after the intro period can be on the higher side.
Key features:
- 0% introductory APR on purchases and balance transfers for 12 billing cycles
- No annual fee
- Online account management tools
- Fraud protection and security features
4. Chase Ink Business Unlimited Credit Card
The Ink Business Unlimited® Credit Card offers a 0% introductory APR on purchases for the first 12 months, providing businesses with an interest-free period to manage expenses. With no annual fee, it allows for cost-effective spending while earning unlimited 1.5% cash back on every purchase, simplifying rewards without the need to track bonus points categories.
While the 1.5% cash back rate is straightforward, other cards may offer higher rewards in specific categories. It also charges foreign transaction fees.
Key features:
- 0% introductory APR on purchases for the first 12 months followed by an APR of 17.49% to 23.49%
- Unlimited 1.5% cash back on all purchases
- No annual fee
- Free employee cards with individual spending limits
- Purchase protection and extended warranty coverage
5. Capital One Spark Cash Select
The Capital One Spark Cash Select for Business offers a 0% introductory APR on purchases for the first 12 months, allowing businesses to manage expenses without accruing interest. With no annual fee, the card provides unlimited 1.5% cash back on every purchase, simplifying rewards without category restrictions.
Possible drawbacks include a relatively modest rewards rate compared to cards with higher earnings in specific spending categories. Additionally, while the introductory APR is beneficial, businesses with significant travel needs may find more value in cards offering category-specific bonuses beyond Capital One Travel.
Key features:
- 0% introductory APR on purchases for 12 months followed by an APR of 17.49% to 23.49%
- Unlimited 1.5% cash back on all purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- Free employee cards with spending controls
Discover Ramp's corporate card for modern finance
How to use balance transfers on 0% APR business credit cards
If your business is carrying high-interest debt, a 0% APR balance transfer can be a smart way to reduce interest and pay it off faster. Some business credit cards offer an introductory 0% APR period not just on purchases, but also on balance transfers—giving you time to catch up without piling on more interest.
For example, moving a $10,000 balance from a card charging 22% APR to one offering 0% APR for 12 months could save you over $2,000 in interest as long as you pay it off within the promo window.
Before moving forward, check whether the card allows balance transfers, if the 0% APR applies to them, and what the transfer fee is (often 3–5%). A balance transfer can be a helpful tool, but it only works if you have a clear plan to pay off the balance before the intro APR period ends.
Tips for qualifying for a 0% APR (or no-APR) business credit card
Qualifying for a 0% APR business credit card often comes down to your business’s financial history, and in many cases, your personal credit score.
Here's how to improve your chances:
- Check your credit score before applying: Most 0% APR business credit cards require a good to excellent personal credit score (typically 700+). Check your score in advance to avoid surprises.
- Keep your credit utilization low: Try to stay below 30% of your available credit on existing cards—it signals to issuers that you manage credit responsibly.
- Limit applications: Check if a new application triggers a hard credit inquiry. Applying for too many cards at once can temporarily lower your score and raise red flags for lenders.
- Consider alternatives if your credit is limited: If you’re a newer business or have a thin credit file, look at charge cards like Ramp that assess business sales and cash flow instead of personal credit alone.
Not every business will qualify for a 0% APR card right away, but taking a few proactive steps can improve your chances and help you find a financing option that fits.
Why choosing Ramp’s no-APR Business Credit Card will help you save
A 0% APR business credit card can be a useful tool when your company needs short-term financing—especially for managing large purchases or consolidating debt. But if your goal is to avoid interest altogether and maintain tight control over expenses, a no-APR charge card like Ramp may be the better fit.
The Ramp Business Credit Card has no APR and offers businesses an average savings of 5%. And that’s not all. Ramp provides:
- No interest—ever: Ramp doesn’t offer a temporary 0% APR period. Instead, it charges no interest at all, with balances paid in full each month
- No fees: No annual fees, late fees, or foreign transaction fees—keeping your costs predictable
- Rewards: Spend to get cashback and access over $350,000 in partner offers
- Built-in expense management: Automate approvals, track spending, and simplify reporting with integrated tools
- Unlimited employee cards: Issue physical or virtual cards with custom controls for teams of any size
- Smarter budgeting: Get real-time insights and AI-powered suggestions to help reduce unnecessary spend
Businesses have saved over $2B and over 20M hours on Ramp. See how much time and money you can save with Ramp, too.
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