Best 0% APR business credit cards for April 2025
- The best low and 0% APR business credit cards
- Summary of the best low and 0% APR business credit cards
- How does APR work on a business credit card?
- How to use balance transfers on 0% APR business credit cards
- What to consider when selecting a 0% APR business credit card
- Get 0% APR with Ramp’s Business Credit Card
A 0% APR business credit card gives you the opportunity to make purchases and pay no interest for a period of 9, 12, or even 15 months after account opening. This means you don't need to pay the balance in full every month to avoid interest during this time.
At Ramp, we know a thing or two about business credit cards. In this guide, we'll cover the top 0% APR credit card issuers for business owners, along with how to choose the right one for you. Plus, we'll offer some tips for increasing your chances of qualifying for these card offers.
Can I get an interest free credit card for my business?
Yes, you can get an interest-free business credit card through offers with 0% introductory APR on purchases for a set period—usually 9 to 20 months.
The best low and 0% APR business credit cards
Here are some of the best low and 0% 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
- American Express Blue Business Cash Card
Here's a more detailed look at each of these business credit cards. Note that introductory rates typically do not apply to balance transfers or cash advances.
Ramp Business Credit Card
- No interest charges or fees
- Cashback on purchases
- Advanced expense management features
- Unlimited cards for employees
- Focus on automation and efficiency
- Requires a business bank account for qualification
- Business must be based in the U.S.
The Ramp Business Credit Card is designed to help you streamline expenses and optimize your company's financial resources. With 0% APR and no fees, Ramp offers a straightforward solution for managing your spending.
The card works easily with your accounting software, giving you up-to-date info and helping you track spending automatically. 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
Bank of America Business Advantage Customized Cash Rewards Credit Card
- Customizable cashback categories
- No annual fee
- 0% intro APR on purchases
- Cashback rewards have spending caps
- Shorter 0% APR period
- Benefits may be tied to a Bank of America account
The Bank of America Business Advantage Customized Cash Rewards Mastercard lets you choose how you earn cashback based on your business spending. It also offers a 0% intro APR on purchases, giving you some initial breathing room on interest.
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
U.S. Bank Business Triple Cash Rewards World Elite Mastercard
- Long 0% introductory APR period
- No annual fee
- Helpful for balance transfers and large purchases
- No rewards program
- Balance transfer fees apply
- Requires good to excellent credit
The U.S. Bank Business Platinum Card gives you a 0% intro APR on both purchases and balance transfers, which can help you manage cash flow without extra interest upfront. 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 20 billing cycles
- No annual fee
- Online account management tools
- Fraud protection and security features
Capital One Spark Cash Select for Business
- No annual fee
- Unlimited, straightforward cash back on all purchases
- Introductory APR supports initial business expenses
- Lower rewards rate compared to category-specific cards
- Highest rewards limited to Capital One Travel bookings
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
- 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
Chase Ink Business Unlimited Credit Card
- Simple, flat-rate cash back
- No annual fee
- Introductory APR period aids in managing large purchases
- Foreign transaction fees apply
- Higher rewards available with other cards in specific categories
- Optimal rewards redemption requires pairing with a premium Chase 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
- Unlimited 1.5% cash back on all purchases
- No annual fee
- Free employee cards with individual spending limits
- Purchase protection and extended warranty coverage
American Express Blue Business Cash Card
- 0% intro APR for 12 months
- Earn 2% cash back on eligible purchases (up to $50,000 per year)
- No annual fee
- Flexible spending limit
- 2% cash back is capped at $50,000 in annual purchases
- Foreign transaction fee applies
- Must be an Amex-accepting business
The American Express Blue Business Cash Card offers a 0% intro APR on purchases for the first 12 months, giving businesses some breathing room to manage early expenses. You’ll earn 2% cash back on eligible business purchases, up to $50,000 per calendar year, then 1% after that.
With no annual fee and access to Amex perks like expanded buying power and account management tools, it's a solid pick for everyday spending. Just note the foreign transaction fee, which could be a downside for international use.
Key features:
- 0% intro APR on purchases for 12 months
- 2% cash back on eligible purchases (up to $50,000/year, then 1%)
- No annual fee
- Expense management tools through Amex
- Flexible spending limit that adjusts with your business needs
Summary of the best low and 0% APR business credit cards
Card comparison
- The Ramp Corporate Visa Card combines automated expense management features with cashback rewards on purchases.
- It offers detailed spending insights with AI-powered recommendations for cutting costs.
- Integrates seamlessly with accounting software to simplify financial tracking and reporting.
- Cards come with no annual fees, foreign transaction fees, or card replacement fees.
- Ramp is an excellent choice for businesses that want to streamline their financial operations while saving money on business expenses.
Annual Fee
$0
Intro APR
0%
Regular APR
N/A
Rewards
Cashback
Bank of America Business Advantage Customized Cash Rewards Credit Card- The Bank of America Business Advantage Customized Cash Rewards Credit Card offers 3% cash back in a category you choose and 2% on dining, with a $50,000 annual cap on these bonus categories.
- It features a 0% intro APR on purchases for 9 billing cycles, followed by an APR of 18.49% to 28.49% variable.
- There's no annual fee, but it does have a 3% foreign transaction fee.
- While flexible, the spending cap on bonus rewards limits its appeal for big spenders.
Annual Fee
$0
Intro APR
0%
Regular APR
18.49%–28.49%
Rewards
Cashback
U.S. Bank Business Triple Cash Rewards World Elite Mastercard- The U.S. Bank Business Triple Cash Rewards World Elite Mastercard offers no annual fee and 0% APR for 15 billing cycles.
- It provides 3% cashback on select purchases, such as gas stations, office supply stores, and cell phone service.
- Compared to other 0% APR business cards, it may lack competitiveness in overall rewards.
- Ideal for businesses looking for no annual fee and specific cashback categories but may fall short for broader rewards seekers.
Annual Fee
$0
Intro APR
0%
Regular APR
19.24%–28.24%
Rewards
Cashback
Chase Ink Business Unlimited Credit Card- The Chase Ink Business Unlimited Credit Card offers a straightforward 0% APR for 12 months.
- Earn 1.5% cashback on all business purchases, including office supplies, gas stations, and business outings.
- It features a generous welcome offer of $750 statement credit.
- However, high foreign transaction fees make it unsuitable for businesses that operate primarily overseas.
Annual Fee
$0
Intro APR
0%
Regular APR
18.49%–24.49%
Rewards
Cashback
Capital One Spark Cash Select for Business- The Capital One Spark Cash Select for Business offers travel cashback opportunities ideal for businesses that spend a lot of time in the air.
- It includes a 0% APR intro period for 12 months from the date of account opening.
- After the intro period, a higher regular APR applies, which might make it difficult to keep up with payments.
Annual Fee
$0
Intro APR
0%
Regular APR
21.24%–29.24%
Rewards
Cashback
American Express Blue Business Cash Card- 2% cash back on eligible purchases, up to $50K/year.
- 0% intro APR on purchases for 12 months.
- No annual fee for using the card.
- 2.7% foreign transaction fee on non-U.S. purchases.
APR
APR 0% intro APR for 12 months, then 18.49%-26.49% (variable)
Fees
$0
Discover Ramp's corporate card for modern finance
How does APR work on a business credit card?
Small business credit cards typically have annual interest rate you'll pay if you carry a balance on your card. Cardholders usually can't get 0% interest on a business credit card long-term, though many come with an introductory 0% APR period.
In addition to the annual rate, there are a few other forms of APR that you should be aware of:
- Monthly APR: This is calculated by dividing your APR by 12 and then multiplying that number by your credit card balance.
- Daily Periodic Rate (DPR): Instead of dividing your interest per month or calendar year, DPR spreads it out over the course of the month.
- Variable APR: Most APR rates are fixed, but some credit cards offer variable APRs that fluctuate based on what’s happening in an index fund or other financial markets.
Which business credit cards have no interest for 24 months?
No business credit cards currently offer a 24-month no-interest period. The longest available 0% APR periods are typically up to 20 months, such as the U.S. Bank Business Platinum Card, which offers 0% APR for 20 billing cycles. For extended interest-free periods, consider a corporate card—these typically require full monthly balance payments and have no interest.
How to use balance transfers on 0% APR business credit cards
You might consider doing a balance transfer if most of your debt from one card can be paid off on the other before its intro APR period ends, or if one card has a lower interest rate.
Some business credit cards allow balance transfers during their introductory APR period. You'll need to read through their terms to check if balance transfers are allowed.
Here are some pros and cons of balance transfers:
Pros:
- Lower interest rates. If you’re currently paying 22% in APR, performing a balance transfer to a card that charges even a tiny percentage less in fees can help cut costs substantially.
- Added convenience. If you have multiple credit cards with different providers, consolidating them into just one or two cards can help you more easily track payments and save on fees.
- Lower credit utilization. Increasing your amount of available credit through a balance transfer can help build your credit score.
Cons:
- Balance transfer fees. While some credit card companies offer free balance transfers, others can charge between 3–5%.
- Reduced average account age. A long credit history will reflect positively on your credit score. Reducing it through a balance transfer could have a negative impact.
- Hard inquiry on your credit report. Applying for any new credit card will result in a hard inquiry on your credit report. Hard inquiries can temporarily reduce your score, so consider limiting yourself to one new card for a balance transfer.
What credit score do you need to qualify for a 0% APR credit card?
To qualify for a 0% APR credit card, business owners typically need a personal credit score of at least 700. This indicates to lenders that your business is low-risk and capable of managing credit responsibly.
What to consider when selecting a 0% APR business credit card
To pick the best 0% APR card for your company, consider these factors:
- Rewards: The card you choose should offer rewards on purchases you actually make, whether that's in categories like travel, office supplies, or software. Or, consider a card with universal cashback on purchases.
- The 0% APR period length: Figure out how long you'll need 0% APR if you plan to initiate a balance transfer.
- Balance transfer option: Does the card apply the 0% introductory APR to balance transfers? If not, how much is the balance transfer fee?
- Additional fees: Look at the card's fixed and annual costs. Some cards have annual fees, but these may come with impressive rewards programs. Most cards have late fees and spending limits, so examine these to avoid overpaying.
- Variable APR: Cards with a 0% APR period will eventually transition to a standard APR, so try to choose one with a lower interest range.
Tips for maximizing your chances of qualifying for a 0% APR business credit card
Smaller businesses with a shorter credit history can have a hard time applying for certain business credit cards. Here are some steps you can take to maximize your chances of qualifying:
- Check and maintain your credit score. When applying for a business credit card, your personal credit score is also looked at, especially for newer businesses. Make sure you're not maxing out any cards you already have to maintain your credit score.
- Limit your credit card applications to avoid impacting your credit score. Remember that no matter the amount of APR on the card, applying for new credit cards will result in a hard inquiry of your credit. Multiple inquires could result in a short-term negative impact on your business credit score.
- Look for cards that approve based on sales. If you run an ecommerce business, you may qualify for a Ramp card based on your sales history, even if you don't qualify for other cards.
What is the longest 0% APR business card?
Of traditional credit cards, the U.S. Bank Business Platinum Card has one of the longest 0% intro APR periods—20 billing cycles on purchases and balance transfers—but it doesn’t offer any rewards. As an alternative, consider the Ramp Business Credit Card, which doesn’t charge interest or fees at all.
Get 0% APR with Ramp’s Business Credit Card
The short answer to “What is the best business credit card for a small business?” is the Ramp Business Credit Card. Note that a minimum cash balance is required to qualify.
This is because 0% APR business credit cards can lead to overspending and debt if not used responsibly.
The Ramp Business Credit Card can be better than a 0% APR credit card for a few key reasons:
- No interest—ever: Unlike 0% APR cards that only delay interest, Ramp never charges interest at all.
- No fees: No annual fees, late fees, or foreign transaction fees.
- Built-in expense management: Ramp helps automate budgeting, approvals, and reporting.
- Unlimited cards: Issue physical or virtual cards to employees with custom limits.
- Smarter spending: Real-time insights and AI suggestions help reduce unnecessary costs.
The Ramp Business Credit Card has 0% APR and offers businesses an average savings of 5%. Our cards are also connected to expense management software to help you cut costs and automate your expense reporting.
Don't miss these
“We’ve simplified our workflows while improving accuracy, and we are faster in closing with the help of automation. We could not have achieved this without the solutions Ramp brought to the table.”
Kaustubh Khandelwal
VP of Finance, Poshmark
“Our previous bill pay process probably took a good 10 hours per AP batch. Now it just takes a couple of minutes between getting an invoice entered, approved, and processed.”
Jason Hershey
VP of Finance and Accounting, Hospital Association of Oregon
“When looking for a procure-to-pay solution we wanted to make everyone’s life easier. We wanted a one-click type of solution, and that’s what we’ve achieved with Ramp.”
Mandy Mobley
Finance Invoice & Expense Coordinator, Crossings Community Church
“We no longer have to comb through expense records for the whole month — having everything in one spot has been really convenient. Ramp's made things more streamlined and easy for us to stay on top of. It's been a night and day difference.”
Fahem Islam
Accounting Associate, Snapdocs
“It's great to be able to park our operating cash in the Ramp Business Account where it earns an actual return and then also pay the bills from that account to maximize float.”
Mike Rizzo
Accounting Manager, MakeStickers
“The practice managers love Ramp, it allows them to keep some agency for paying practice expenses. They like that they can instantaneously attach receipts at the time of transaction, and that they can text back-and-forth with the automated system. We've gotten a lot of good feedback from users.”
Greg Finn
Director of FP&A, Align ENTA
“The reason I've been such a super fan of Ramp is the product velocity. Not only is it incredibly beneficial to the user, it’s also something that gives me confidence in your ability to continue to pull away from other products.”
Tyler Bliha
CEO, Abode
