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Top Credit Card - December 24, 2019

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In this article you can find information about best business credit cards with 0% APR. 

Best 0% APR Business Credit Cards

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0% APR with Discover it Business card

Discover it® Business Card

  • 0% Intro APR for 12 months
  • No annual fee
  • 1.5% cash back

Discover has been around for a while, but they only recently returned to the business credit card game – and it’s a good thing. With their new Discover it® Business Card, you can take advantage of an intro APR of 0% for 12 Months, no annual fee, and a unique welcome offer.

Currently, new Discover it® customers can take advantage of Discover’s Cashback Match promotion. Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.

How much cash back can you earn for your purchases?  Discover it® Business customers can earn 1.5% cash back on every dollar spent on all purchases. This can make this card a good option for everyday expenses as well as an intro APR offer.

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American Express

American Express® Blue Business Cash Card

  • 0% on purchases for 12 months
  • $0 annual fee
  • Up to 2X points

American Express offers business owners a slew of business credit cards, many with top-rated rewards programs, but few come with a 0% APR offer. The American Express® Blue Business Cash Card offers new users an intro APR of 0% on purchases for 12 months and there is no annual fee.

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.

In addition, this card will also give you access to the Amex Global Assist Hotline, car rental insurance, purchase protection, roadside assistance, and baggage insurance.

If you don’t want to be pinned down by category limits and plan to spend less than or close to $50,000, then this card can provide the financing window you need alongside a solid rewards rate. There is, however, no welcome offer, so that should also be factored into your decision.

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0% APR Capital one
  • 0% Intro APR for 9 months
  •  No annual fee
  •  1.5% cash back

Capital One has a series of business cards under the “Spark” portfolio, but the Capital One® Spark® Cash for Business is the only one that currently offers a 0% intro APR offer. With this card, you’ll be able to leverage 2% Cash Back for your business on every purchase, everywhere.

Earn $500 Cash Back once you spend $4,500 on purchases within 3 months from account opening

The Capital One® Spark® Cash for Business does not have an annual fee or foreign transaction fees,  and like other Visa cards, cardholders can take advantage of an auto rental damage waiver and purchase protections.

Though this card may not offer as many benefits as some of the other cards on this list, nor does it offer a long APR promotion period, if you’re a Capital One loyalist looking for a financing offer, this is the one for you.

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Bank of America. 0% APR

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

  • 0% Intro APR for 9 months
  • No annual fee
  • 1.5% cash back

Not interest in cash back? Prefer to earn points for travel and take advantage of a 0% intro APR offer? You may want to consider the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

With this card, you can expect APR of 0% for 9 billing cycles on purchases, and you earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases– that’s a fairly low bonus spend threshold when compared to other cards.

Earn 1.5 rewards points for every $1 on all purchases and 25,000 bonus points when you spend $1,000 in net purchases within 60 days and 3 points for every $1 spent for travel booked through the Bank of America® Travel Center – powered by Expedia®.

Though the 0% APR promotional window is shorter compared to other cards, the BoA Business Advantage Travel Rewards Mastercard is a great option for BoA customers who also want to take advantage of a travel rewards program.

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A company credit card will make it much easier to manage your business expenses and help increase your company , just with the right card, you may even have the ability to spend less. That’s often true with 0% APR credit cards, which let you make essential purchases and pay down your debt with time, without collecting interest.

If you’re looking for a 0% APR business credit card, then there are a few things to remember.

1Since the perfect way to take advantage of a introductory APR deal is to pay off the entire balance by the end of the promotional balance, it’s very important to factor in the duration of the promotional period, your paying requirements, and your monthly funding.

For instance, a $5,000 buy made under a 9-month 0% APR offer will need a monthly payment of $556, while the same buy, when made below a 12-month 0% APR offer could produce a monthly charge of $417per cent

If you have what is considered average or acceptable credit, you may find it is more difficult to get a 0% APR company credit cardbut it’s well worth checking reviewing company cards made for borrowers with fair credit.

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Closing words about 0% APR

Finding the right business card can be challenging. It needs a deep dive in your investment patterns, financing needs, and your rewards program tastes. However, the outcome may be well worth the attempt.

When you pick the very best 0% APR credit card for your requirements, you can avoid unnecessary interest and also save a substantial quantity of money. In addition, since numerous business cards provide rewards programs, the right card is able to help you make cash, gift cards, and paid travel.

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