Get the Best Zero Percent Business Credit Cards Now
We investigated a lot of zero percent business credit cards for you. So, here are our choices.
Per the SBA, business credit card limits are a massive 10 – 100 times that of personal credit cards!
This reveals you can get a lot more cash with corporate credit cards. And it also reveals you can have personal credit cards at stores. So, you would now have an extra card at the very same stores for your small business.
And you will not need collateral, cash flow, or financials to get small business credit.
Zero Percent Business Credit Cards: Benefits
Benefits can vary. So, make certain to select the benefit you would like from this choice of alternatives.
Zero Percent Business Credit Cards with a 0% Introductory APR
Blue Business® Plus Credit Card from American Express
Check out the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the initial year. After that, the APR is a variable 14.74 – 20.74%.
Get double Membership Rewards® points on everyday company purchases like office supplies or client dinners for the first $50,000 spent each year. Get 1 point per dollar afterwards.
You will need great to superb credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/
American Express® Blue Business Cash Card
Also take a look at the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. But its rewards are in cash rather than points.
Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. Then get 1%.
It has no annual fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.
You will need good to superb credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/
Zero Percent Business Credit Cards with No Yearly Fee
Zero Percent Business Credit Cards with No Yearly Fee/Flat Rate Cash Back
Ink Business Unlimited℠ Credit Card
Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.
You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®. You will need excellent credit scores to qualify for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Zero Percent Business Credit Cards for Cash Back
Zero Percent Business Credit Cards with Flat-Rate Rewards and No Annual Cost
Discover it® Business Card
Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for 12 months. After that the regular APR is a variable 14.49 – 22.49%.
Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.
You can download transactions| conveniently to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to outstanding credit scores to get this card.
https://www.discover.com/credit-cards/business/
Bonus Categories
Ink Business Cash℠ Credit Card
Check out the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the initial twelve months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first three months from account opening.
You can earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Get 1% cash back on all other purchases. There is no restriction to the amount you can get.
You will need exceptional credit to get approval for this card.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF
Boosted Cash Back Categories
Bank of America® Business Advantage Cash Rewards MasterCard® credit card
Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.
Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.
You will need excellent credit scores to qualify.
Find it here: https://promo.bankofamerica.com/smallbusinesscards2/
Flat-Rate Rewards
Capital One ® Spark® Cash for Business
Have a look at the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the initial year. Afterwards, this card costs $95 per year. There is no introductory APR offer. The regular APR is a variable 18.49%.
You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.
You will need good to excellent credit to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Zero Percent Business Credit Cards for Jackpot Rewards That Never Expire
Capital One® Spark® Cash Select for Business
Take a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. And get a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the first three months. Rewards never expire.
Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.
You will need great to superb credit scores to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Zero Percent Business Credit Cards for Lavish Travel Points
No Annual Fee
Bank of America® Business Advantage Travel Rewards World MasterCard® credit card
For no yearly fee while still getting travel rewards, take a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the first nine billing cycles. Afterwards, its regular APR is 13.74 – 23.74% variable.
You can get 30,000 bonus points when you make at least $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Earn unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.
Likewise earn 3 points per every dollar spent when you reserve your travel (car, hotel, airline) with the Bank of America® Travel Center. There is no limit to the number of points you can get and points do not expire.
You will need exceptional credit scores to get this one (as in, 700s or better).
Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
Flat-rate Travel Rewards
Capital One® Spark® Miles for Business
Have a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.
This card is great for travel if your expenses don’t come under conventional bonus categories. You can get unlimited double miles on all purchases, without any limits. Earn 5x miles on rental cars and hotels if you book with Capital One Travel.
Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. However you only get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a great to excellent FICO score to qualify.
Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Bonus Travel Categories with a Sign-Up Offer
Ink Business Preferred℠ Credit Card
For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.
Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.
Get 100,000 bonus points after spending $15,000 in the first 3 months after account opening. This works out to $1,250 toward travel rewards if you redeem via Chase Ultimate Rewards.
Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.
You can get 25% more in travel redemption when you redeem for travel via Chase Ultimate Rewards. You will need a great to outstanding FICO score to qualify.
Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred
Hotel Credit Card
Marriott Bonvoy Business™ American Express® Card
Have a look at the Marriott Bonvoy Business™ Card from American Express. It has a yearly fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to excellent credit to get this card.
Points
You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the first three months. Get 6x the points for eligible purchases at participating Marriott Bonvoy hotels. You can get 4x the points at US restaurants and gasoline stations. And you can get 4x the points on wireless telephone services purchased straight from American service providers and on US purchases for shipping.
Get double points on all other eligible purchases.
Rewards
Also, you get a free night every year after your card anniversary. And you can earn another free night after you spend $60,000 on your card in a calendar year.
You get Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year.
Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/
The Very Best Zero Percent Business Credit Cards for You
Your straight-out best zero percent business credit cards hinge on your credit report and scores.
Just you can pick which features you want and need. So, ensure to do your homework. What is outstanding for you could be disastrous for another person.
And, as always, make certain to develop credit in the advised order for the best, fastest benefits.
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