Best Business Credit Cards With 0% Intro APR
Looking for a business credit card with a 0% intro APR to help manage your cash flow?
A business credit card with a 0% introductory Annual Percentage Rate (APR) can be a powerful tool for business owners, offering a grace period to make purchases and pay them off without accruing interest. However, it's important to understand the terms and conditions of each card before you apply.
Here are some of the best business credit cards with 0% intro APR:
Cards with the Longest Intro APR Periods:
- Ink Business Unlimited® Credit Card: This card offers 0% intro APR on purchases for 12 months and a flat reward rate of 1.5% on all purchases.
- Chase Ink Business Cash® Credit Card: This card offers 0% intro APR on purchases for 12 months, and 5% cash back on the first $25,000 spent on each of the following categories: office supplies, internet, cable, and phone services.
Cards with Generous Rewards Programs:
- Capital One Spark Cash Select for Business: This card offers 0% intro APR on purchases for 9 months and 2x miles on every purchase, which can be redeemed for travel, gift cards, or cash back.
- Capital One Spark Miles for Business: This card also offers 0% intro APR on purchases for 9 months and 2x miles on every purchase, which can be redeemed for travel, gift cards, or cash back.
Cards with Other Benefits:
- American Express Blue Business Plus Credit Card: This card offers 0% intro APR on purchases for 12 months, and 2x Membership Rewards points on eligible purchases.
- U.S. Bank Business Cash Rewards Mastercard®: This card offers 0% intro APR on purchases for 12 months and 2% cash back on all purchases.
Things to Keep in Mind:
- Intro APR Period: Pay close attention to the length of the introductory APR period. After this period ends, the standard APR will apply, which could be significantly higher.
- Annual Fee: Some cards have annual fees, which can offset the value of the introductory APR offer.
- Credit Limit: Ensure that the credit limit provided is sufficient for your business needs.
- Other Fees: Check for other potential fees like balance transfer fees, late payment fees, and foreign transaction fees.
Before applying for a business credit card with a 0% intro APR, it's crucial to thoroughly research the terms and conditions to ensure it's the right fit for your business needs. By carefully evaluating your options and choosing wisely, you can leverage a 0% intro APR card to your advantage and streamline your business finances.
