Top 10 Zero Interest Business Credit Cards for Small Businesses

For small business owners, managing expenses can be a daunting task. One way to alleviate some of the financial burden is through the use of credit cards. However, the high-interest rates of traditional credit cards can quickly pile up and drain a business’s finances. That’s where 0 interest business credit cards come in. These cards offer small business owners the opportunity to make purchases without accruing interest for a certain period of time. With so many options on the market, it can be overwhelming to identify the best 0 interest business credit cards. In this article, we’ll dive into the top picks to help business owners make an informed decision.

Top 10 Best 0 Interest Business Credit Cards

1. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card is one of the most popular 0 interest business credit cards on the market today. It offers a 0% introductory APR on purchases for the first 12 months and has a cash back rewards program that can earn you up to 5% cash back on certain purchases. This card also offers a sign-up bonus of $500 after you spend $3,000 within the first three months of opening the account.

2. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is another excellent 0 interest business credit card. It offers a 0% introductory APR on purchases for the first 12 months and has a cash back rewards program that can earn you up to 2% cash back on all purchases. This card also comes with no annual fee.

3. Bank of America Business Advantage Cash Rewards Mastercard

The Bank of America Business Advantage Cash Rewards Mastercard is an ideal card for small businesses looking for a 0 interest credit card that also offers cash back rewards. This card offers a 0% introductory APR on purchases for the first nine billing cycles and a cash back rewards program that can earn you up to 3% cash back on select purchases.

4. Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is another option for entrepreneurs looking for a 0 interest business credit card. This card offers a 0% introductory APR on purchases for the first 9 months and has a cash back rewards program that can earn you up to 1.5% cash back on all purchases. This card also comes with no annual fee.

5. Discover It Business Credit Card

The Discover It Business Credit Card offers a 0% introductory APR on purchases for the first 12 months and has a cash back rewards program that can earn you up to 1.5% cash back on all purchases. This card also offers a sign-up bonus of $750 after you spend $7,500 within the first three months of opening the account.

6. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card is a great option for small businesses looking for a 0 interest credit card. This card offers a 0% introductory APR on purchases for the first nine billing cycles and has no annual fee. It is also a good option for businesses that need to make large purchases as it offers a large credit limit.

7. Citi Diamond Preferred Card for Business

The Citi Diamond Preferred Card for Business offers a 0% introductory APR on purchases for the first 12 months and has no annual fee. It is an ideal card for businesses that are looking to manage their cash flow or make large purchases without having to worry about interest rates.

8. US Bank Business Platinum Card

The US Bank Business Platinum Card is another great option for small businesses looking for a 0 interest credit card. This card offers a 0% introductory APR on purchases and balance transfers for the first 20 billing cycles and has no annual fee. It also offers a large credit limit, making it ideal for businesses that need to make large purchases.

9. PNC Cash Rewards Visa Business Credit Card

The PNC Cash Rewards Visa Business Credit Card offers a 0% introductory APR on purchases for the first nine billing cycles and has a cash back rewards program that can earn you up to 1.5% cash back on all purchases. This card also has no annual fee and offers a sign-up bonus of $200 after you spend $3,000 in the first three months of opening the account.

10. U.S. Bank Business Cash Rewards World Elite Mastercard

The U.S. Bank Business Cash Rewards World Elite Mastercard is a great option for businesses looking for a 0 interest card that also offers cash back rewards. It offers a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles and has a cash back rewards program that can earn you up to 3% cash back on certain purchases. This card also offers a sign-up bonus of $500 after you spend $4,500 in the first 150 days of opening the account.

10 Best 0 Interest Business Credit Cards to Help You Save Money

If you are looking for a way to finance your business without having to worry about interest payments, a 0 interest business credit card may be the perfect solution for you. With a 0 interest card, you can make purchases and pay no interest for a period of time. This provides businesses with the opportunity to save money on interest charges and use those savings to grow their business. Here are the top 10 best 0 interest business credit cards you should consider:

1. American Express Blue Business Cash Card

The American Express Blue Business Cash Card is one of the best 0 interest business credit cards available. It offers 0% APR on purchases for the first 12 months. You also get cashback rewards on eligible purchases, which can help you save money.

2. Chase Ink Business Cash Credit Card

The Chase Ink Business Cash Credit Card offers 0% APR on purchases for the first 12 months and also has cashback rewards on eligible purchases. The card also offers sign-up bonuses and employee cards at no additional cost.

3. Bank of America Platinum Plus Mastercard Business Card

The Bank of America Platinum Plus Mastercard Business Card offers 0% APR on purchases and balance transfers for the first 7 billing cycles. It also offers free employee cards and online account management tools to help you keep track of your business spending.

4. Capital One Spark Cash for Business

The Capital One Spark Cash for Business card offers 0% APR on purchases for the first 9 months. You also earn unlimited cashback rewards on all purchases, which can help you save money and grow your business.

5. Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card offers 0% APR on purchases and balance transfers for the first 9 months. It also has no annual fee and offers free employee cards, making it an ideal choice for small businesses.

6. U.S. Bank Business Platinum Card

The U.S. Bank Business Platinum Card offers 0% APR on purchases and balance transfers for the first 15 billing cycles. It also has no annual fee and provides tools to help you manage your business expenses efficiently.

7. Huntington Business Premier Credit Card

The Huntington Business Premier Credit Card offers 0% APR on purchases for the first 6 months. It also provides cashback rewards on eligible purchases and has no annual fee, making it an ideal choice for small businesses.

8. Discover it Business Card

The Discover it Business Card offers 0% APR on purchases for the first 12 months. It also provides cashback rewards on eligible purchases and has no annual fee, making it a great choice for businesses that want to save money.

9. Citi Simplicity Card for Business

The Citi Simplicity Card for Business offers 0% APR on purchases for the first 12 months. It also has no late fees or penalty APR, making it a good option for businesses that want to avoid fees.

10. PNC Cash Rewards Visa Signature Business Credit Card

The PNC Cash Rewards Visa Signature Business Credit Card offers 0% APR on purchases for the first 9 billing cycles. It also provides cashback rewards on eligible purchases and has no annual fee, making it a great choice for businesses that want to save money.

In conclusion, there are many 0 interest business credit cards available, and choosing the right one can help you save money on interest payments and grow your business. Consider the top 10 cards mentioned above and make an informed decision based on your business needs and goals.

Top 5 Best 0 Interest Business Credit Cards

The use of credit cards is essential for most businesses today, as it helps in managing expenses, improving cash flow, and building credit. Having access to 0 interest credit cards can be especially beneficial for businesses that may need to make large purchases or pay off existing balances without incurring interest charges. Here are the top 5 best 0 interest business credit cards in the market:

Card Name Introductory 0% APR Period Annual Fee Best For
Chase Ink Business Cash 12 months $0 Small Business
American Express Blue Business Cash 12 months $0 Cash Back Rewards
Citi Simplicity Business Card 12 months $0 Simplicity and No Late Fees
Bank of America Business Advantage Cash Rewards 9 billing cycles $0 Cash rewards and Account Management
Capital One Spark Cash Select for Business 9 months $0 Cash Back Rewards

1. Chase Ink Business Cash

The Chase Ink Business Cash is a great option for small businesses looking for a 0% intro APR period. This card offers a 12-month intro period for purchases and balance transfers, with no annual fee. Businesses can also earn cashback rewards for categories such as office supplies, internet, cable, and phone services.

2. American Express Blue Business Cash

The American Express Blue Business Cash card offers a 12-month intro 0% APR for purchases and a $0 annual fee. It also provides cashback rewards on purchases up to $50,000 per year, with 2% cashback on all eligible purchases.

3. Citi Simplicity Business Card

The Citi Simplicity Business Card is perfect for businesses that want to simplify their billing process. This card offers a 12-month intro 0% APR period for both purchases and balance transfers, with no late fees or annual fee.

4. Bank of America Business Advantage Cash Rewards

The Bank of America Business Advantage Cash Rewards card provides a 9-billing cycle intro 0% APR period for purchases and balance transfers. This card also offers cashback rewards on purchases made in specific categories, such as gas and office supplies.

5. Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is ideal for businesses that want to earn cashback rewards. This card provides a 9-month intro 0% APR period on purchases, with no annual fee. Additionally, businesses can earn 1.5% cashback on all purchases made with the card.

In conclusion, many credit card companies are offering 0 interest business credit cards to help businesses better manage their finances. Business owners should consider the intro period, annual fee, rewards, and other features when choosing the best 0 interest credit card that suits their business needs.

Here are the relevant links for “best 0 interest business credit cards”:

– Find out which cards made the cut for the “Best 0 Interest Business Credit Cards” list by checking out this creditcards.com article.
– Looking for a credit card with an introductory 0% interest rate for your business? Check out NerdWallet’s top picks for the best 0% APR business credit cards.
– If you’re curious about other options for 0% APR business credit cards, take a look at this business.org article for more information.

Pros and Cons of 0 Interest Business Credit Cards

Business credit cards have been an essential tool for many entrepreneurs to finance their businesses. The perks that come with it, such as cashback rewards, travel miles, and other benefits, have made these credit cards very appealing, especially for small business owners. One type of credit card that has gained popularity is the 0% interest business credit card. But like any other things in life, these credit cards have their pros and cons. Here are the top ten benefits and drawbacks of 0% interest credit cards:

Pros

1. Cost Savings

Perhaps the most significant benefit of 0% interest business credit cards is the savings on interest expenses. With no interest being charged on your purchases, you can pay for your business expenses over a specified period without worrying about interest accumulations. This amount of savings you can have can be a significant boost to your business capital.

2. Flexibility

Another advantage of having a 0% interest business credit card is that it offers you flexibility on how you want to pay your credit balance. You can opt to pay the minimum balance or more, depending on your cash flow. This flexibility helps you manage your cash flow better, especially during times when revenue is tight.

3. Credit Score Improvement

Regular payments and credit utilization on your 0% interest business credit card can also help you improve your credit score. Paying your balance on time each month can build your business’s credit history and increase your credit score over time.

4. Easy Approval

Compared to traditional loans or lines of credits, business credit card applications are easy to get approved. The application process is straightforward and can even be done online. This ease of application means you can get a credit limit that suits your business needs.

5. Purchase Protection

Most 0% interest business credit cards offer purchase protection, where you can dispute any charges that you think are fraudulent or inaccurate, and the credit card company will help you resolve the issue. This feature is a boon for small businesses that need extra protection from billing errors and other problems.

Cons

1. High Penalty Fees

If you’re not careful with timely payments, 0% interest credit cards can have high penalty fees, such as late payment fees or balance transfer fees. These fees can add up over time and eat into your savings that you meant from the 0% interest.

2. Short Terms

Most 0% interest business credit cards offer their introductory period for a limited time, typically between six and eighteen months. Once the promotional period is over, you will be charged a higher interest rate if you still have an outstanding balance. This fact means that you must pay off your balance before the promotion period ends.

3. Low Credit Limit

Business credit cards for startups typically have lower credit limits than traditional loans. This low credit limit may not be enough to fund the larger capital needs of your business.

4. High-Interest Rates after 0% Introductory Offer

After the promotional period ends, the interest rates on your 0% interest business credit card might be higher than normal credit cards. If you don’t pay off your balance within the promotion period, you will end up with a higher balance at a higher interest rate.

5. Temptation to Overspend

Finally, having a 0% interest credit card may also tempt you to overspend accidentally. Business credit cards are supposed to be used for business expenses only, and spending beyond your means can put you in a financial mess. Make sure you stay disciplined and only purchase what you need.

Wrap it up!

Thanks for reading about the best 0 interest business credit cards. I hope this article has been helpful in giving you some insights into the world of credit cards. Remember, it’s important to understand the terms and conditions of any credit card offer before signing up. Be sure to do your research and find the card that best fits your business needs and goals. Don’t forget to come back and check out our other articles for more tips and advice. See you soon!

Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like