The best 0%-APR business credit cards of November 2023

Some business credit cards offer introductory 0%-APR periods for purchases and/or balance transfers. These deals can be a great way to finance business expansions or to reduce the interest you’re paying on existing debt.

But there’s more to these cards than just a limited-time no-interest offer. The ongoing benefits and the rewards you earn on purchases can be just as important to consider. Below, CNBC Select details the best 0%-APR small business credit cards for a variety of needs.

Who’s this for? The U.S. Bank Business Platinum is a no-annual-fee business credit card that stands out for those who need an extended introductory 0%-APR offer.

Intro APR offer: New cardholders receive an intro 0%-APR on purchases and balance transfers for the first 18 months, then a 17.24% to 26/24% variable APR applies. For a balance transfer to qualify for the intro APR, it must occur within 30 days from account opening. A balance transfer fee of the greater of $5 or 3% of the transfer amount applies.

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Who’s this for? Anyone who wants to rapidly earn points on popular business expenses and is looking for a large intro bonus should consider the Ink Business Cash® Credit Card.

Intro APR offer: New cardholders are eligible for an intro 0%-APR on purchases for 12 months from account opening, then an 18.49% to 24.49% APR applies.

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The U.S. Bank Business Platinum is an ideal fit for business owners who want to cheaply finance an investment in their business or who want to reduce the interest they’re paying on existing debt.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

This card has few significant perks outside of its 0%-APR offer. However, the offer itself is notable because it’s much longer than the other intro-APR periods offered by most business credit cards. It also applies to balance transfers and purchases, whereas other cards only offer an intro 0%-APR on purchases.

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The Ink Business Cash® Credit Card’s welcome bonus is incredibly valuable, especially when you consider this card has no annual fee. It also offers useful bonus spending categories for common small business expenses.

Rewards

• 5% back on Lyft rides through March 2025
• 5% back on the first $25,000 spent in combined purchases each account anniversary at office supply stores and on cable, internet and phone services
• 2% back on the first $25,000 spent in combined purchases each account anniversary at gas stations and restaurants
• 1% back on all other purchases

Welcome bonus

Earn a $900 bonus after spending $6,000 on purchases in the first three months from account opening.

Annual fee

$0

Notable perks

In addition to the Ink Business Cash’s 0%-intro APR offer, cardholders get these benefits on eligible purchases:

Employee cards are available for no fee.

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To take advantage of a business credit card’s 0%-APR offer, simply make eligible purchases or complete an eligible balance transfer within the offer timeframe. While you’ll typically pay a balance transfer fee, you won’t pay any interest on balances you carry during the introductory period. This can save you hundreds or thousands of dollars in interest compared to a typical business credit card APR, which can easily exceed 25%.

Aside from saving on interest each month, these credit card 0% intro APR deals have another key feature that makes them less risky than deferred interest financing. With a deferred interest offer, you’ll pay no interest during the offer period, but if you don’t pay the balance off completely, you’ll be retroactively charged for interest that accumulated during the 0%-APR period. That’s not the case with these 0%-APR card offers, with these deals you only start accumulating interest after the offer expires.

Having a separate credit card for your small business or side hustle makes sense for a lot of reasons. One reason that’s easy to overlook is the potential benefit of a 0%-APR offer. These allow you to make purchases or transfer balances and pay no interest for a year or longer. That could save you hundreds or thousands compared to other types of business financing.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card list is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best 0%-APR business credit cards.

To determine which 0%-APR business cards offer the best value, CNBC Select analyzed dozens of the most popular credit cards available to U.S. business owners. We compared each card on a range of features, including annual fee, employee card fee, rewards, welcome bonus and foreign transaction fees, and we paid special attention to the card’s introductory and standard APR.

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For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

Information about the U.S. Bank Business Platinum and U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.