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Business Credit Cards with 0% intro APR
- Save on interest with 0% Intro APR
- Compare business credit cards from our partners offering 0% intro APR and low interest
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- Annual Fee $0
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Welcome Offer$500 Cash Back
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Rewards Rate1.5% - 5% Cash Back
- Credit Needed Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$750
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Est. Monthly Rewards
$156
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Est. First Year Rewards
$2,618
The Bottom Line
The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional cards and helpful expense reports.
Our Take
The Good
The card comes with no annual fee and you earn cash back on all purchases, all the time. and come with the option of automatic redemption.
The Not So Good
The card is designed for those who want cash back rewards, so if that’s not your priority then you might want to choose a different card.
Card Details
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0 intro for first year; $95 after that
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Welcome Offer50,000 miles
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Rewards Rate2X - 5X Miles
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$600
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Est. Monthly Rewards
$193
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Est. First Year Rewards
$2,915
The Bottom Line
With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.
Our Take
The Good
Customers earn 2 miles per $1 on every purchase, everywhere; 5 miles per dollar on hotels, vacation rentals and rental cars booked through capital one's travel booking site. You can also earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
The Not So Good
Based on our research, you'll need excellent-good credit. There is also an annual fee of $0 intro for first year; $95 after that.
Card Details
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Annual Fee $0
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Welcome Offer$750 cash back
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Rewards Rate1% - 5% cash back
- 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 card purchases with no limit to the amount you can earn.
- Credit Needed Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$750
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Est. Monthly Rewards
$187
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Est. First Year Rewards
$2,993
The Bottom Line
This is a robust cash back rewards card with a nice intro APR and $0 annual fee. Consumers looking for a great card for earning rewards or getting low interest rates for a business will be very happy with the Ink Business Cash® Credit Card.
Our Take
The Good
This business credit card has it all. You get an awesome rewards program, a big sign up bonus, a lengthy intro APR, and $0 annual fee.
The Not So Good
Like most rewards cards, if you don't make a lot of purchases on the card, you won't get a lot of rewards.
Card Details
- 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
- Annual Fee $0
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Welcome Offer$750 cash back
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Rewards Rate1.5% cash back
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$750
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Est. Monthly Rewards
$125
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Est. First Year Rewards
$2,250
The Bottom Line
This credit card has all the perks a business owner could want. A long intro APR, great rewards, and the $0 annual fee make this a great choice for anyone.
Our Take
The Good
The sign-up bonus is among the biggest we've seen for a business credit cards, and it's especially generous considering this card also comes with a $0 annual fee and a lengthy intro APR on purchases.
The Not So Good
There is a foreign transaction fee of 3% of each transaction in U.S. dollars, which means you might want to refrain from using this card overseas.
Card Details
- 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
- Annual Fee No annual fee
- Regular APR 17.49% - 27.49% Variable
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Rewards Rate1% - 2% cash back
- Credit Needed Good / Excellent
The Bottom Line
The American Express Blue Business Cash™ Card has no annual fee and lots of cash back opportunities, so this card has one of the most profitable cash back programs on the market. This card is a nice option for business owners who already have established credit. To see rates & fees for The American Express Blue Business Cash™ Card, please click here.
Our Take
The Good
Cash back opportunities are vast and you can earn cash back on all other purchases.
The Not So Good
You'll need to have excellent-good credit to get approved.
Card Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why 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
- Annual Fee No annual fee
- Regular APR 17.49% - 27.49% Variable
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Rewards Rate1X - 2X points
- Credit Needed Good / Excellent
The Bottom Line
With The Blue Business® Plus Credit Card from American Express, you can get bonus points for the purchases you make without worrying about an annual fee. If you're looking for a credit card with a nice intro APR to help you pay for business expenses, this could be a great option. To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.
Our Take
The Good
Enjoy the benefits of earning points and having intro APR all while paying no annual fee. You can add other card holders to the account for free and you can get great spending bonuses from any one of them.
The Not So Good
There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.
Card Details
- 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.
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.