5 Best 0% Intro APR Business Credit Cards | CompareCredit.com

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Last fact checked: Aug. 23, 2026

Best Business 0% Intro APR Credit Cards of August 2026

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Top Credit Cards Cash Back Travel 0% Intro APR No Annual Fee

2026 Best of Awards Winner

2026 Best of Awards Winner

Ink Business Unlimited^® Credit Card

5.0

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on Chase's secure site

Limited Time OfferEarn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Rewards RateUnlimited 1.5% cash back on every purchase made for your business
Intro APR0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 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
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

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Ink Business Cash^® Credit Card

4.5

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on Chase's secure site

Limited Time OfferEarn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
Rewards RateUp to 5% cash back on select purchases
Intro APR0% Intro APR on Purchases for 12 months, then 16.74% - 24.74% Variable
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
Earn $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

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U.S. Bank Triple Cash Rewards Visa^® Business Card

5.0

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on U.S. Bank's secure site

Welcome OfferEarn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Rewards RateEarn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card, 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs), and 1% cash back on all other eligible purchases
Intro APR0% intro on purchases for 12 billing cycles and 0% intro on balance transfers for 12 billing cycles, then 17.24% - 26.24% Variable
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
1% cash back on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
No limit on total cash back earned.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Terms and conditions apply.

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Capital One Spark Cash Select

4.5

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on Capital One's secure site

Welcome OfferEarn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Rewards Rate1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Intro APR0% intro on purchases for 9 months, then 16.74% - 26.74% (Variable)
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Enjoy a 0% APR for the first 9 months of opening
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges
Top rated mobile app

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Wells Fargo Signify Business Cash^® Card

5.0

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on Wells Fargo's secure site

Welcome OfferEarn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Rewards RateEarn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
Intro APR0% intro APR for 12 months from account opening on purchases, 16.74% - 24.74% Variable APR thereafter.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Select to apply online
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
$0 annual fee.
Complimentary Priority Pass^™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.

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Bank of America^® Business Advantage Unlimited Cash Rewards Mastercard^® credit card

4.5

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on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate1.5% cash back on purchases
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America^® business checking account and qualify for our highest Preferred Rewards for Business tier.
No annual cap and cash rewards don’t expire as long as your account remains open.
No annual fee.
Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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Bank of America^® Platinum Plus^® Mastercard^® Business credit card

3.5

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on Bank of America's secure site

Intro APR0% Intro APR for 15 billing cycles on purchases
Regular APR14.74% - 25.74% Variable APR on purchases
Extra PerksPay no annual fee and enjoy employee cards at no additional cost
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
New Offer: 0% introductory APR on purchases for the first 15 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.74% - 25.74% will apply.
Save money on interest with a competitive purchase APR.
No annual fee.
Get employee cards at no additional cost to you and with credit limits you set.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

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Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card

4.5

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on Bank of America's secure site

Welcome OfferGet a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases
Intro APR0% Intro APR for 7 billing cycles on purchases, after that 16.74% - 26.74% Variable APR on purchases
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Product Details

Select to apply online
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Select to apply online
$500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee.
Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America^® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Review additional details for Bank of America^® Business Advantage Customized Cash Rewards Mastercard^® credit card

TD Business Solutions Credit Card

4.5

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on TD Bank's secure site

Limited Time OfferEarn $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening. 0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness.
Rewards RateEarn unlimited 2% Cash Back on all eligible purchases.
Intro APR0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness.
Annual FeeNo annual fee
Credit Score NeededGood, Excellent
Card Brand

Select to apply online
Limited Time Offer: Earn $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening. 0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness.
Earn unlimited 2% Cash Back on all eligible purchases. No rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.
Add Employee cards at no cost with the ability to set spending limits.
No annual fee
Visa Spend Clarity for Business – at no cost to you, access a suite of spend management tools to keep spending on track with dashboards and reporting, card controls and integration with accounting software.
Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
Enjoy Visa security on purchases, plus protection against unauthorized charges.
Contactless Payments/Digital Wallet.
Instant credit card replacement.
Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
*Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

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Terms Apply

The Blue Business^® Plus Credit Card from American Express

4.5

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on American Express' secure site

Terms Apply

Welcome OfferEarn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Intro APR0% on purchases for 12 months from date of account opening, then 16.74% - 28.49% Variable
Annual FeeNo annual fee
Credit Score NeededGood, Excellent
Card BrandAMEX

Select to apply online
Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Review additional details for The Blue Business^® Plus Credit Card from American Express