Are you an entrepreneur looking to finance your new venture or a startup in need of essential capital? The right business credit card with a 0% introductory APR can be a game changer. But with so many options out there, how do you know which one is the best fit for your needs? Get ready to unlock the secrets of the top 0 APR business credit cards and discover how they can propel your business forward.

Key Takeaways

• 0 APR business credit cards offer crucial financing for startups and new businesses

• Intro periods typically range from 6 to 12 months, allowing you to make essential purchases or pay down debt without accruing interest

• These cards can help you build business credit, separate personal and business expenses, and earn valuable rewards

• It’s crucial to have a plan to pay off the balance before the intro period expires to avoid higher interest rates

• Explore the best 0 APR business credit cards options to find the one that aligns with your financial needs and business goals

Understand How 0 APR Business Credit Cards Work

0 APR business credit cards are great for startups and new businesses. They offer a special deal with no interest for 6 to 12 months on new purchases or balance transfers. This lets businesses pay for big expenses or manage their cash flow without paying interest.

Key Benefits of 0 APR Business Credit Cards

These cards have more than just a no-interest period. They offer big benefits for startups and small businesses:

• Startup Financing: These cards can be a quick way to get cash for important purchases or to cover costs. You don’t pay interest right away.

• Building Business Credit: Using a 0 APR business credit cards wisely can help build and improve your company’s credit score. This is key for getting loans later on.

• Separating Personal and Business Expenses: A business credit card makes accounting and tax time easier by keeping personal and business spending separate.

• Earning Rewards: Many 0 APR business credit cards let companies earn cash back, points, or travel rewards on what they buy.

But, it’s important to have a plan to pay off the balance before the special deal ends. After the intro period, the interest rate usually goes up. This can erase the benefits. The best way to avoid this is to set up automatic payments to pay off the balance before the deal ends.

“The key to maximizing the benefits of a 0 APR business credit cards is to have a clear plan for paying off the balance before the promotional period ends.”

Best 0 APR Business Credit Cards

Startups and new businesses have great options for the best 0 APR business credit cards. These cards let you finance purchases without interest. This is very helpful during the early stages of growing your business.

The Blue Business® Plus Credit Card from American Express

• Introductory APR: 0% on purchases for 12 months from the date of account opening. americanexpress.com
• Annual Fee: $0.
• Rewards: Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year; 1X points thereafter.

Capital One Spark Cash Select for Good Credit

• Introductory APR: 0% on purchases for 12 months from account opening; after that, a variable APR of 21.24% – 29.24% applies. businessinsider.com
• Annual Fee: $0.
• Rewards: Earn unlimited 1.5% cash back on every purchase.

Ink Business Cash® Credit Card

• Introductory APR: 0% on purchases for 12 months; after that, a variable APR of 17.49% – 23.49% applies.
• Annual Fee: $0.
• Rewards: 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; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; 1% on all other purchases.

Ink Business Unlimited® Credit Card

• Introductory APR: 0% on purchases for 12 months; after that, a variable APR of 17.49% – 23.49% applies.
• Annual Fee: $0.
• Rewards: Earn unlimited 1.5% cash back on every purchase.

American Express Blue Business Cash™ Card

• Introductory APR: 0% on purchases for 12 months from the date of account opening; after that, a variable APR applies.
• Annual Fee: $0.
• Rewards: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year; 1% cash back thereafter.

0 APR business credit cards Welcome Offers and Rewards

The best 0 APR business credit cards offer more than just a low rate—they also come with welcome bonuses and rewards that help startups save money. Many top cards provide cash back or points to boost your business spending.

For example, the Ink Business Cash® Credit Card offers $900 cash back after spending $6,000 in the first 3 months, while the Ink Business Unlimited® Credit Card gives $750 cash back with the same requirement. The Blue Business® Plus Credit Card from American Express rewards 15,000 Membership Rewards® points after $3,000 in purchases.

Beyond sign-up bonuses, some cards offer ongoing rewards, like 2% cash back on the first $50,000 spent (American Express Blue Business Cash™ Card) or 1.5% cash back on all purchases (Capital One Spark Cash Select). If you’re unsure whether a business charge card suits you better, check out our guide on business charge cards.

Starting a new business comes with many financial decisions, and one of the most crucial is choosing the right credit card. The best business credit cards for new business and startup business credit cards with no credit can be game-changers, providing the necessary funding and benefits to help your venture grow.

Startup Business Credit Cards With No Credit

If you’re a startup with no credit history, don’t worry; there are credit cards designed to help you build credit while providing valuable benefits. One such card is the Brex Card for Startups. Unlike traditional credit cards, the Brex Card doesn’t require a personal guarantee or credit check. It bases approval on your business’s financial health and offers a high credit limit with robust rewards tailored for startups, making it an excellent choice among startup business credit cards with no credit.

Another great option is the Capital One® Spark® Classic for Business. This card is designed for business owners with fair credit, making it accessible for those building or repairing their credit. It offers 1% cash back on every purchase, which can add up over time and help

Conclusion

0 APR business credit cards are great for startups and new businesses. They offer financing for your needs and rewards and help build business credit. By learning about these cards and picking the best ones, you can find the right fit for your business.

These cards are useful for many things like startup money, big buys, or daily costs. They help new businesses manage money and grow. Entrepreneurs can use these tools to make their companies strong and ready for the future.

In short, 0 APR business credit cards are a key tool for startups and new businesses. By choosing and using them wisely, businesses can get the financing, rewards, and credit they need to succeed.

If you have questions, contact us today and streamline your business

The information provided about the credit cards above is accurate as of the time of writing. Credit card terms and offers are subject to change. Please visit the issuer’s official website for the most up-to-date details.