As a business owner, finding the best credit card with 0% interest can be a game-changer. Credit cards that offer 0% APR on purchases, balance transfers, or both can help keep your business expenses in check while also providing an opportunity to earn rewards.
Here are some of the best business 0 interest credit cards on the market:
1. The Blue Business® Plus Credit Card from American Express: This card offers 0% APR on purchases and balance transfers for 12 months, after which the variable APR will be 13.24% – 19.24%. It also provides 2x points on all purchases up to $50,000 per year, and then 1x points.
2. Chase Ink Business Preferred® credit card: This card offers 0% APR on purchases for the first 12 months, followed by a variable APR of 15.99% – 20.99%. It also provides significant travel rewards, including 3x points on the first $150,000 spent on combined purchases in categories like travel, shipping, and advertising expenses.
3. Capital One® Spark® Cash for Business: This credit card provides a cash-back program, offering unlimited 2% cash back on every purchase for your business. There is no introductory 0% APR period, and the variable APR starts at 20.99%.
4. U.S. Bank Business Platinum Card: This credit card offers an extended introductory 0% APR period of 15 months on both purchases and balance transfers. After that, a variable APR of 9.99% – 17.99% applies. The card also provides automatic savings with discounts for fuel, mobile phone, and office supplies.
5. Wells Fargo Platinum Visa® Card: As a Visa credit card, this card offers 0% APR for 18 months on purchases and qualifying balance transfers, followed by a variable APR of 16.49% – 24.49%. It also provides a unique cell phone protection service for up to $600 in the event of damage or theft if you pay your monthly phone bill with the card.
When evaluating these business credit cards, it is always necessary to consider your business’s unique needs, including whether you require travel rewards, cash back, or balance transfer opportunities. The card you choose will depend on your business’s needs and lifestyle, so take the time to examine the fine print. By doing your research and finding the best card for your business, you can maintain a healthy cash flow while also availing yourself of valuable rewards and perks.
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