Advantages of 0% APR Credit Cards

Credit cards with 0% introductory interest can help you save money. Whether you are trying to pay off your existing debt or to make expensive purchases, 0% APR cards let you borrow money from banks now and pay off debt later without incurring interest or fees, as long as you make the minimum payments every month.

0% APR Small Business Credit Cards

Here are a few best business credit cards that offer 0% intro APR on purchases for 12 months. In addition, they give new card members top sign-up bonuses and rewards on business purchases.

#1. Ink Business Cash Credit Card: 0% APR for 12 Months, $900 cash bonus

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Ink Business Cash^® Credit Card

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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
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.
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

Intro APR: 0% on Purchases

Intro APR Period: 12 months

Annual Fee: $0

Credit Needed: Excellent, Good

#2. Ink Business Unlimited Credit Card: 0% APR for 12 Months, $900 cash bonus

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Ink Business Unlimited^® Credit Card

Earn $900 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

Intro APR: 0% on Purchases

Intro APR Period: 12 months

Annual Fee: $0

Credit Needed: Excellent, Good

#3. GM Business Mastercard: 0% APR for 12 Months, $750 Bonus

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GM Business™ Mastercard^®

Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
Get $750 in Bonus Earnings to redeem with GM when you spend $5,000 in your first 5 months.
5% Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers.
3% Earnings on purchases at gas stations, restaurants and office supply stores. 1% Earnings on all other purchases.
No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
0% Intro APR on purchases for the first 12 months; thereafter, variable APR of 19.24% to 29.24%.
See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
Terms Apply. Subject to credit approval.

Intro APR: 0% on Purchases

Intro APR Period: 12 months

Annual Fee (rates & fees): No Annual Fee

Credit Needed: Good, Excellent

0% APR Personal Credit Cards

Small business owners may use personal credit cards to pay for business expenses and get reimbursed by the business later. In this way, business owners can take advantage of exclusive benefits or perks offered by some personal cards. Here are a few 0% interest personal cards with excellent rewards.

#1. Wells Fargo Autograph Card: 0% APR for 12 Months, 30,000 points bonus

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Wells Fargo Autograph^℠ Card

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Intro APR: 0% on Purchases

Intro APR Period: 12 months from account opening

Annual Fee (rates & fees): $0

Credit Needed: Excellent, Good

#2. Citi Custom Cash Card: 0% APR for 15 Months, $200 cash bonus

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Citi Custom Cash^® Card

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash^® Card account per person.

Intro APR: 0% on Purchases and Balance Transfers

Intro APR Period: 15 months

Annual Fee (rates & fees): $0

Credit Needed: Excellent, Good, Fair

#3. Bank of America Unlimited Cash Rewards credit card: 0% APR for 15 Months, $200 cash bonus

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Bank of America^® Unlimited Cash Rewards credit card

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you're a Bank of America Preferred Rewards^® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Intro APR: 0% on Purchases and qualifying Balance Transfers

Intro APR Period: 15 billing cycles

Annual Fee: $0

Credit Needed: Excellent / Good