Did you know that 38% of startups fail due to lack of funding? If you’re building a business and need capital, choosing the right 0 APR business credit cards could give you the financial breathing room you need to grow. But with so many options out there, how do you know which one’s right for your business? Let’s explore the best 0% APR business credit cards and how to make them work for you.

Key Takeaways

• 0% APR business credit cards offer crucial short-term financing with no interest for 6 to 12 months.
• Perfect for startups looking to fund early purchases or manage cash flow.
• Many cards offer rewards, cash back, or bonus points.
• Make sure you pay off the balance before the intro period ends to avoid high interest rates.
• These cards help build business credit and separate business from personal expenses.

What Is a 0% APR Business Credit Card?

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.

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 in 2025

Credit Card	Intro APR	Annual Fee	Rewards
Blue Business® Plus from Amex	0% on purchases for 12 months	$0	2X points on first $50k/year; 1X after
Capital One Spark Cash Select	0% on purchases for 12 months	$0	1.5% cash back on all purchases
Ink Business Cash®	0% on purchases for 12 months	$0	5% on office & internet; 2% on gas/restaurants
Ink Business Unlimited®	0% on purchases for 12 months	$0	1.5% unlimited cash back
Amex Blue Business Cash™	0% on purchases for 12 months	$0	2% cash back on first $50k/year; 1% after

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. Need help choosing the right strategy? We can help guide your financial setup ( including taxes services).

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

Need Help Picking the Right Card?

Choosing the best financial tool for your startup isn’t always easy. If you’d like personalized guidance to match your goals, reach out to our team. We’re here to help you grow your business with confidence.

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.

To make smarter financial decisions, check out our free tools like the APR Calculator and Balance Transfer Calculator to see how much you can save.

Also, if you’re just starting out, don’t miss our guide on Accounting Services for Startups—because smart money management starts with the right foundation.

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.