Best 0% APR Business Credit Cards in 2024

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a 0% introductory APR on purchases.

• Introductory Offers

  • Earn a $250 statement credit after spending $3,000 in the first 3 months.
  • Enjoy a 0% intro APR on purchases for 12 months from the date you open your account. After the intro period, a variable APR of 17.74% – 25.74% applies, depending on your creditworthiness. See Rates and Fees

• Rewards

  • Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back is automatically credited to your statement.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • With Expanded Buying Power, you can spend beyond your credit limit. The amount is flexible and adapts to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

The American Express® Business Gold Card is a gem for any business-savvy individual. Its generous initial rewards can quickly set you up for success, and its tailored rewards structure means you're earning more on your top spending areas. Plus, you're in for extra perks like savings on popular services every month. While it does come with a few intricacies in its reward system and some caps, once you get a hang of it, you'll find it's a valuable ally in managing your business expenses. And, let's not forget, you even get to pick its stylish look.

• Introductory Offers

  • Earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases in the first three months.

• Rewards

  • Earn 4X Membership Rewards points on the top two eligible spending categories each month, up to $150,000 annually.
  • Earn 3X points on flights and prepaid hotels booked on amextravel.com.

• Perks & Benefits

  • Get up to $20 in monthly statement credits for eligible purchases at FedEx, Grubhub, and Office Supply Stores, totaling up to $240 annually.
  • Receive up to a $12.95 monthly statement credit for a Walmart+ membership.
  • Choose from three metal card designs: Gold, Rose Gold, and Limited Edition White Gold.

• APRS, Fees, and Penalties

  • Enjoy a 0% Intro APR for six months on eligible purchases, then a variable APR of 18.74% to 27.74%. See Rates and Fees
  • Terms Apply.

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

• Introductory Offers

  • Earn a one-time bonus of 50,000 miles after spending $4,500 in the first three months.

• Rewards

  • Earn unlimited 2X miles per dollar on every purchase, everywhere.
  • Get unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Transfer your miles to over 15 travel loyalty programs.
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services.
  • Receive up to a $120 credit for Global Entry or TSA PreCheck.
  • Free employee cards that also earn unlimited 2X miles from their purchases.

• APRS, Fees, and Penalties

  • Enjoy a $0 intro annual fee for the first year; $95 after that.

The Delta SkyMiles® Gold Business American Express Card offers significant value for frequent travelers, particularly those loyal to Delta. Right off the bat, there's an enticing welcome bonus, ensuring you start on a high note. You'll also benefit from notable discounts and unique perks on Delta flights. If international travel is on the cards, rest easy knowing you won't be hit with foreign transaction fees. Plus, the waived annual fee for the first year is a pleasant touch. While rewards can be complex and come with caps, the card's overall benefits and potential savings are hard to overlook.

• Introductory Offers

  • Earn 60,000 Delta SkyMiles after spending $4,000 in the first six months of card membership.
  • Enjoy a $0 annual fee for the first year, then $150 thereafter. See Rates and Fees

• Rewards

  • Earn 2 miles per dollar on eligible Delta purchases and dining.
  • Earn 2 miles per dollar on U.S. shipping and advertising in select media, up to $50,000 per category annually.
  • Earn 1 mile per dollar on all other purchases.

• Perks & Benefits

  • First checked bag free on Delta flights.
  • Zone 5 priority boarding on Delta flights.
  • Receive a $200 Delta Flight Credit after spending $10,000 in a year.
  • Get up to $150 annual statement credit for bookings through Delta Stays.
  • Save 20% on eligible Delta in-flight purchases.

• APRS, Fees, and Penalties

  • No foreign transaction fees. See Rates and Fees
  • Terms Apply.

The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.

Introductory Offers

• Earn $350 cash back after spending $3,000 in the first three months.
• Earn an additional $400 cash back after spending $6,000 in the first six months.

Rewards

• Earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
• Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
• Earn 1% cash back on all other purchases.

Perks & Benefits

• Enjoy Zero Liability protection for unauthorized charges.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.

APRS, Fees, and Penalties

• Benefit from a 0% introductory APR for 12 months on purchases, then a variable APR of 17.99% - 25.99% after that.
• No annual fee.

The Marriott Bonvoy Business® American Express® Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.

• Introductory Offers

  • Earn 3 Free Night Awards after spending $6,000 in the first six months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.

• Rewards

  • Earn 6x Marriott Bonvoy points on eligible purchases at Marriott Bonvoy hotels.
  • Earn 4x points on dining, U.S. gas stations, wireless services from U.S. providers, and U.S. shipping purchases.
  • Earn 2x points on all other eligible purchases.

• Perks & Benefits

  • Enjoy a 7% discount on eligible bookings as a Marriott Bonvoy member and cardholder.
  • Receive a Free Night Award annually after card renewal.
  • Earn an additional Free Night Award after spending $60,000 in a calendar year.
  • Complimentary Marriott Bonvoy Gold Elite Status.

• APRS, Fees, and Penalties

  • Annual fee of $125. See Rates and Fees
  • Terms Apply.

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

• Introductory Offers

  • Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
  • Enjoy a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 17.74% - 25.74% after that. APR will not exceed 29.99%. See Rates and Fees

• Rewards

  • Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 per year. After that, earn 1 point per dollar.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • Expanded Buying Power lets you spend beyond your credit limit, adapting to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

The Business Platinum Card® from American Express is an excellent option for business owners seeking robust rewards and benefits. Its generous welcome offer makes for a powerful start, particularly for those with large initial expenditures, while tiered rewards on high-volume spending categories make each dollar spent a valuable investment. Beyond that, this card's statement credits are a cashback boon across diverse business essentials, enhancing operational efficiency and the card's overall worth. Plus, the travel perks are fantastic for frequent flyers, offering both luxury and peace of mind. While the Amex Platinum does come with a famously high annual fee, the rewards and benefits can easily justify the cost for high-spending businesses.

• Introductory Offers

  • Earn 150,000 Membership Rewards points after spending $20,000 in the first three months.

• Rewards

  • Earn 5X points on flights and prepaid hotels booked through AmexTravel.com.
  • Earn 1.5X points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers, as well as purchases of $5,000 or more.
  • Earn 1X point per dollar on all other eligible purchases.

• Perks & Benefits

  • Unlock over $1,000 in statement credits on select purchases in the first year.
  • Get a $200 Airline Fee Credit for incidental fees charged by a selected airline.
  • Receive up to $199 in statement credits for CLEAR Plus Membership renewal.
  • Access over 1,400 airport lounges worldwide with the American Express Global Lounge Collection.

• APRS, Fees, and Penalties

  • $695 annual fee. See rates and fees.
  • Terms apply.

The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.

• Introductory Offers

  • Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after spending $8,000 in the first six months. Offer valid until January 8, 2025.

• Rewards

  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X points on other purchases up to $100,000 each calendar year, and 3X points thereafter.

• Perks & Benefits

  • Enjoy complimentary Hilton Honors Gold Status, with an 80% bonus on base points earned during stays.
  • Upgrade to Hilton Honors Diamond Status if you spend $40,000 or more in a calendar year.
  • Receive up to $60 in statement credits each quarter for purchases made directly with Hilton properties.
  • Enroll for complimentary National Car Rental Emerald Club Executive status through your American Express online account.

• APRS, Fees, and Penalties

  • Annual fee of $195 See Rates and Fees
  • APR: 20.24% - 29.24% Variable See Rates and Fees
  • Terms Apply.