0% Intro APR Business Credit Cards
Nine to eighteen months of interest-free capital for smaller needs and newer businesses, plus rewards on everyday spend.
Updated September 2026. Details vary by lender and change often; confirm terms with the provider.
How it works
A business credit card with a 0% introductory APR gives you a revolving limit you can carry interest-free for the promotional period (commonly 9–18 months). After that, the standard rate (18–30% APR) applies to any remaining balance.
Why it belongs in the mix
- Effectively a free short-term loan if you pay it off inside the promo window.
- Available at 0–12 months in business when almost nothing else is.
- Rewards (1–5%) on spend you were going to make anyway.
- Builds a business credit file that helps with lines and term loans later.
Limits
- Credit limits are usually $5k–$50k, sometimes more with strong income.
- Cash advances are expensive; use the card for purchases, not ATM withdrawals.
- Needs a personal credit score of roughly 670+ for the best 0% offers.
Strategy
Pair a 0% card with a revenue-based advance only if you must; better, use the card for the flexible part of your need and a term loan or equipment financing for the large fixed part. Set a payoff schedule so the balance is gone before the promo ends.
Frequently asked questions
Can I get a business card with no business history?
Yes. Issuers approve primarily on the owner’s personal credit and income. A sole proprietor with a side business qualifies at many issuers.
Will it affect my personal credit?
The application usually creates a hard inquiry on your personal report. Most issuers do not report ongoing balances to personal bureaus unless you default, which keeps business spend off your personal utilization.