Best 0 Intro APR Business Credit Cards
Building business credit can be a challenge, especially when you're just starting out. One way to build your credit is to apply for a business credit card. While many business credit cards come with an annual fee, several offer introductory periods with 0% APR. This can be a great way to save money on interest and build your business credit at the same time.
Here are some of the best 0 intro APR business credit cards available:
Best Overall: Ink Business Preferred Credit Card
- Intro APR: 0% APR on purchases for the first 12 months, then the standard variable APR.
- Annual Fee: $95, waived the first year.
- Reward Program: 3x points on travel, dining, and shipping purchases.
- Other Benefits: No foreign transaction fees, travel and purchase protection.
The Ink Business Preferred Credit Card is a great choice for businesses that make a lot of purchases in the categories of travel, dining, and shipping. The 0% intro APR is a great perk, and the card's generous rewards program can help you earn points back on your spending.
Best for Small Businesses: Capital One Spark Cash Select for Business
- Intro APR: 0% APR on purchases for the first 9 months, then the standard variable APR.
- Annual Fee: $0.
- Reward Program: 2% cash back on all purchases.
- Other Benefits: No foreign transaction fees, cell phone protection, travel and purchase protection.
The Capital One Spark Cash Select for Business is a great option for small businesses that are looking for a no-annual fee card with a good rewards program. The 0% intro APR is a great way to save money on interest, and the card's 2% cash back on all purchases makes it easy to earn rewards.
Best for Large Businesses: Chase Ink Business Cash Credit Card
- Intro APR: 0% APR on purchases for the first 12 months, then the standard variable APR.
- Annual Fee: $0.
- Reward Program: 5% cash back on the first $25,000 spent on office supplies and internet, phone, and cable services, then 1% cash back on all other purchases.
- Other Benefits: No foreign transaction fees, travel and purchase protection.
The Chase Ink Business Cash Credit Card is a great choice for larger businesses that spend a lot on office supplies and utilities. The 5% cash back on these categories is a significant perk, and the card's 0% intro APR makes it even more appealing.
What to Consider When Choosing a Business Credit Card
When choosing a business credit card, you should consider the following factors:
- Intro APR: The introductory APR is the interest rate you'll be charged for a certain period of time.
- Annual Fee: Some cards charge an annual fee, while others do not.
- Reward Program: The rewards program determines how you'll earn rewards on your spending.
- Benefits: Some cards offer benefits like travel and purchase protection, cell phone protection, and no foreign transaction fees.
Bottom Line
Choosing the right 0 intro APR business credit card can be a great way to save money on interest and build your business credit. By carefully considering your needs and comparing different cards, you can find the right card for your business.
