Personal and small business cards issued by U.S. Bank are currently not available on CNBC Select and links have been redirected to our credit card marketplace where you can review offers from other issuers like American Express or Chase. You can also check out our list of best credit cards for alternative options.
Some business credit cards offer introductory 0%-APR periods for purchases and/or balance transfers. These deals can be a great way to finance business expansions or reduce the interest you're paying on existing debt.
Aside from the limited-time no-interest offer, the ongoing benefits and the rewards you earn on purchases can be just as important to consider. Below, CNBC Select details the best 0%-APR small business credit cards for various needs. (See our methodology for more information on how we choose the best 0% APR business credit cards)
Best 0% APR business credit cards
- Best for no annual fee:Ink Business Unlimited® Credit Card (See rates and fees)
- Best for travel rewards:The Blue Business® Plus Credit Card from American Express
- Best for welcome bonus:Ink Business Cash® Credit Card (See rates and fees)
- Best for cash back:U.S. Bank Triple Cash Rewards Visa® Business Card
- Best for long intro-APR period:U.S. Bank Business Platinum
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Best for no annual fee
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Who's this for? The Ink Business Unlimited® Credit Card is an excellent no-annual-fee business credit card to consider if you prefer flat-rate cash-back credit cards.
Intro APR offer: Purchases qualify for a 0% intro APR for 12 months from account opening, then an 17.49% - 23.49% variable APR applies. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
Best for travel rewards
The Blue Business® Plus Credit Card from American Express is a great option if you're starting a business because it's affordable, earns flexible travel rewards and offers an intro-APR on purchases for a year.
- Valuable intro-APR offer for purchases for 12 months
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs
- No annual fee
- Bonus rewards for purchases are capped
- Few useful travel insurance benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Balance transfer fee
N/A
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Who's this for?The Blue Business® Plus Credit Card from American Express earns transferrable American Express Membership Rewards points, which makes it an outstanding business travel credit card.
Intro APR offer: The Amex Blue Business Plus card offers an introductory 0% APR on purchases for the first 12 months from account opening. After that, a variable 17.49% - 27.49% applies; APR will not exceed 29.99%. (see rates and fees)
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.70% APY as of 2/21/2025
Min balance to open = $0
1.00% APY as of 06/24/2024
Min balance to open = $0
Best for welcome bonus
The Ink Business Cash® Credit Card is a no-annual-fee cash-back business card that's especially rewarding at office supply stores and gas stations.
- Valuable welcome bonus
- Intro APR for purchases
- No annual fee
- Bonus spending categories have annual limits
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Who's this for? Anyone who wants to rapidly earn points on popular business expenses and is looking for a large intro bonus should consider the Ink Business Cash® Credit Card.
Intro APR offer: New cardholders are eligible for an intro 0%-APR on purchases for 12 months from account opening, then an 17.49% - 25.49% APR applies. There is a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater.
Best for cash back
- Annual $100 software statement credit
- Generous intro-APR offer for purchases
- Valuable welcome bonus
- Has a foreign transaction fee
- Not very rewarding for purchases you make outside of the bonus categories
Information about personal and small business credit cards issued by U.S. Bank has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card earns cash-back rewards where it matters most for small business owners.
Intro APR offer: The U.S. Bank Triple Cash Rewards Visa® Business Card offers a generous 0% intro APR for 12 billing cycles on purchases, then a variable 17.99% - 26.99% APR applies.
Best for long intro-APR period
- Generous Intro APR offer for purchases
- No rewards
- No welcome bonus
Information about personal and small business credit cards issued by U.S. Bank has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Who's this for? The U.S. Bank Business Platinum is a no-annual-fee business credit card that stands out if you need an extended introductory 0%-APR offer.
Intro APR offer: New cardholders receive an intro 0%-APR on purchases and balance transfers for the first 18 months, then a 16.99% - 25.99% variable APR applies. For a balance transfer to qualify for the intro APR, it must occur within 30 days from account opening. A balance transfer fee of the greater of $5 or 3% of the transfer amount applies.
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
More on our top 0%-APR business credit cards
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card has everything you'd want in a no-annual-fee card, including an elevated rate of return on everyday purchases and a generous welcome bonus offer.
Rewards
- 5% back on Lyft rides through September 2027
- 1.5% back on all other purchases
Welcome bonus
Earn a $750 bonus after spending $6,000 on purchases in the first three months from account opening.
Annual fee
$0
Notable perks
The Ink Business Unlimited card offers a variety of insurance benefits, including purchase protection, extended warranty protection, car rental coverage and roadside assistance. You can also add employee cards for no additional cost.
Plus, if you have other Ultimate Rewards-earning Chase credit cards, such as the Chase Sapphire Preferred® Card (see rates and fees) and Ink Business Preferred® Credit Card, you'll be able to combine your points and transfer the rewards you earn with this card to various airline and hotel loyalty programs.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express is one of the few no-annual-fee cards (see rates and fees) that earns flexible travel rewards.
Rewards
- 2X points on the first $50,000 in eligible business purchases per calendar year, then 1X points. Terms and limitations apply.
Welcome bonus
Earn 15,000 points after spending $3,000 in eligible purchases on the card in the first three months of card membership.
Annual fee
$0 (see rates and fees)
Notable perks
Cardholders can take advantage of extended warranty and purchase protection on eligible purchases.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card's welcome bonus is incredibly valuable, especially when you consider this card has no annual fee. It also offers useful bonus spending categories for common small business expenses.
Rewards
- 5% back on Lyft rides through September 2027
- 5% back on the first $25,000 spent in combined purchases each account anniversary at office supply stores and on cable, internet and phone services
- 2% back on the first $25,000 spent in combined purchases each account anniversary at gas stations and restaurants
- 1% back on all other purchases
Welcome bonus
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Annual fee
$0
Notable perks
In addition to the Ink Business Cash's Credit Card 0%-intro APR offer, cardholders get these benefits on eligible purchases:
- Purchase protection
- Extended warranty coverage
- Rental car collision damage waiver
- Roadside dispatch
- Travel and emergency assistance services
Employee cards are available for no fee.
U.S. Bank Triple Cash Rewards Visa® Business Card
The U.S. Bank Triple Cash Rewards Visa® Business Card not only earns cash back at a generous rate but also has ongoing benefits that make it worth keeping.
Rewards
- 5% back on prepaid hotels and car rentals booked directly through the US Bank Rewards Center
- 3% back at gas stations, EV charging stations, office supply stores, cell phone service providers and restaurants
- 1% back on all other purchases
Welcome bonus
Earn $750 in cash back when you spend $6000 on the Account Owner's card in the first 180 days of opening your account.
Annual fee
$0
Notable perks
The U.S. Bank Triple Cash Rewards Visa® Business Card offers cardholders up to $100 in annual statement credits for recurring software subscriptions. To qualify, you'll need to make 11 consecutive monthly payments for software services from eligible software providers
U.S. Bank Business Platinum
The U.S. Bank Business Platinum is an ideal fit if you're a business owner who wants to cheaply finance an investment in your business or reduce the interest you're paying on existing debt.
Rewards
None
Welcome bonus
None
Annual fee
$0
Notable perks
This card has few significant perks outside of its 0%-APR offer. However, the offer itself is notable because it's much longer than the other intro-APR periods offered by most business credit cards. It also applies to balance transfers and purchases, whereas other cards only offer an intro 0%-APR on purchases.
How do 0% APR business credit cards work?
To take advantage of a business credit card's 0%-APR offer, simply make eligible purchases or complete an eligible balance transfer within the offer timeframe. While you'll typically pay a balance transfer fee, you won't pay any interest on balances you carry during the introductory period. This can save you hundreds or thousands of dollars in interest compared to a typical business credit card APR, which can easily exceed 25%.
Aside from saving on interest each month, these credit card 0% intro APR deals have another key feature that makes them less risky than deferred interest financing. With a deferred interest offer, you'll pay no interest during the offer period, but if you don't pay the balance off completely, you'll be retroactively charged for interest that accumulated during the 0%-APR period. That's not the case with these 0%-APR card offers, with these deals you only start accumulating interest after the offer expires.
Pros and cons of a 0% APR business credit card
While a 0% APR business credit card can can give your business some much-need financial flexibility, it's important to remember that the period won't last forever. Here's what you should consider before signing up for a card.
- More time to pay: Using a 0% APR card can help save you hundreds or even thousands on interest payments.
- Larger credit limit: Business cards will often have much higher credit limits than personal cards, and allow you to be more flexible with your spending.
- Business benefits: Some business cards will provide some extra business perks, like expense management tools and providing additional cards for employees.
- More spending required: Business cards in general have higher spending requirements to meet certain goals.
- Can be misused: With a 0% APR card, you could get used to carrying a balance. When your intro period ends, that balance will begin generating interest, so always try and pay it off.
FAQs
What is a good APR for a business credit card?
Credit card interest rates have been on the rise, with some cards now charging more than 30%. This makes an APR in the mid to low teens a comparatively good rate.
What credit score do you need for a 0% APR business card?
You'll typically need a good to excellent credit score (670+) to qualify for a 0% APR business credit card.
Do 0%-APR offers hurt your credit score?
A 0%-APR offer can negatively impact your credit score if it causes you to carry a higher balance and increase your credit utilization ratio.
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Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0%-APR business credit cards.
Our methodology
To determine which 0%-APR business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus and foreign transaction fees, and we paid special attention to the card's introductory and standard APR. We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
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Read more
For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.
Information about the U.S. Bank Business Platinum and U.S. Bank Triple Cash Rewards Visa® Business Card has been collected independently by Select and has notbeen reviewed or provided by the issuer of the card prior to publication.
