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Business credit cards with 0% APR are great, but business credit cards with 0% APR and other rewards are even better. From cash back to expense management tools, these business credit cards may become an essential capstone to your new or seasoned business.
Business credit cards can help you keep track of your expenses and make essential purchases to help your company become more successful. The best cards offer 0% APR, but it is possible to find ones that offer even more. Whether it's cash back, fraud protection, automatic expense reports, or bookkeeping integration, you want a card that goes beyond 0% APR.
However, if 0% APR is the only thing you're after, then you want the card that will give you the most amount of time so you can pay down your debts faster.
To choose the best business credit cards we compared 0% intro APR periods, cash back rewards, and additional management tools.
card highlights intro bonusN/AAPR18.49% - 26.49% Variablerecommended creditExcellent/Goodreward rates If you have a lot of business expenses each year, the American Express Blue Business Cash Card can help you earn a lot of money back. Each year you get 2% cash back on the first$50,000 you spend on eligible purchases. Spend over$50,000, and it drops to 1%. Don't worry if you don't reach$50,000 each year because you'll still get 2% back on the purchases you do make.
If you reach your credit limit, you may still be able to make business purchases with American Express's 'Expanded Buying Power.' You can't go over by an unlimited amount, but if you're right on the line of your credit limit, and the purchase will push you past it, you may still be able to complete the purchase. Expanded Buying Power adjusts depending on your payment history, credit record, financial resources, and your monthly use of the card, which means the amount varies with each customer. If it is an important purchase, speak to a customer service representative about your needs.
Blue Business Cash Card comes with a variety of expense management tools, too. For example, you can distribute as many employee cards as you need and can track their spending with summary reports and alerts. You can also designate an account manager to make monthly payments and manage the account on your behalf, and you can have your account synchronized with QuickBooks.
card highlights intro bonusEarn $750 bonus cash back after you spend$6,000 on purchases in the first 3 months from account openingAPR18.24% - 24.24% Variablerecommended creditGood, Excellentreward rates Chase's Ink Business Unlimited credit card comes with a number of benefits. For starters, there is no annual fee and cardholders get unlimited 1.5% cash back on all purchases made for their business. Plus, for the first 12 months there is 0% intro APR. After the intro period, it rises between 17.99% and 23.99% depending on your credit worthiness.
Have a lot of employees who need to have their own card? Get as many cards as you need at no additional cost and set spending limits on each one. Plus Chase comes with free fraud protection so you can stay on top of what is going on at all times.
Chase also offers a number of tools to help you manage your business. With the Ink Business Unlimited Credit Card it's easy to separate business and personal expenses as well as integrate your expenses into bookkeeping software such as Quickbooks. You can also get a quick overview of your account's details by dividing your expenses into quarterly, 6-month, annual, or 24 month reports.
card highlights intro bonusGet a$300 online statement credit after you make at least$3,000 in purchases in the first 90 days of your account opening.APR18.49% - 28.49% Variable APR on purchases and balance transfersrecommended creditExcellentreward rates With Bank of America's Business Advantage credit card cardholders are able to maximize their cash back by choosing which category they want to receive 3% cash back. Additionally, cardholders also get 2% cash back on all dining expenses. Cash back benefits for both 3% and 2% purchases are received on the first$50,000 spent. Thereafter, both categories go down to 1% until the next calendar year.
If you have a business checking account with Bank of America and you qualify for the highest Preferred Rewards for Business tier, you can earn even more with each purchase. Get 5.25% cash back on a category of your choice, 3.5% on dining, and 1.75% on everything else.
Business Advantage also comes with tools to help you manage your business, such as online and mobile access to your account,$100,000 in travel accident insurance, and fraud monitoring. You can also download all transactions and integrate them easily with your bookkeeping software.
One major drawback to Business Advantage is that the 0% intro APR period only lasts for 9 months. If your primary purpose is to use the card as a balance transfer card, you may want to consider another option.
card highlights intro bonusEarn a$500 bonus when you spend$4,500 in the first 3 months of account openingAPR18.24% - 24.24% (Variable)recommended creditExcellent Creditreward rates The Capital One Spark 1.5% Cash Select credit card comes with plenty of reasons for business owners to choose it. For starters, you get$500 cash back after spending only$4,500 in the first three months.
Though it doesn't offer as much cash back than some other cards, it definitely has a competitive program. Spark 1.5% Cash Select comes with 1.5% cash back on your purchases, without any sort of spending cap where it then reduces to 1%. Spark 1.5% Cash Select card gets you cash back on all purchases regardless of how much you spend every year. This equals real savings. For example, Capital One estimates that if you spend as little as$10,000 a month, you'll get$1,800 back each year.
You'll need an excellent credit rating before you apply and your legal business name, address, and business tax ID number. Cardholders will receive a variable APR between 13.49% and 19.49%.
Maximum variable APR of 19.49%
card highlights intro bonusEarn $500 in cash back. Just spend$4500 on the Account Owner's card in the first 150 days of opening your account.APR19.24% - 28.24% (Variable)recommended creditExcellent/Goodreward rates The Triple Cash Rewards Card's most notable feature is that it does not put any caps on the amount of cash back its members can earn. With 3% for gas stations, restaurants, office stores, and cell phone providers, this is a lot of money business owners can receive each year. Plus, you can receive$100 cash back for purchasing eligible software from a software provider, such as QuickBooks.
If you have multiple designated users on the account you can track spending easily either online or via the mobile app. Each U.S. Bank card also comes with 24/7 fraud monitoring and zero fraud liability, which means you are not responsible for any purchases that you or your employees did not make.
With 15 billing cycles of 0% APR on both purchases and balance transfers (then, variable APR 18.99% - 27.99%), no annual fee and cash back rewards that never expire, the Triple Cash Rewards Card is a strong choice for any business owner. Pay down your debt and save up your rewards without worrying so much about deadlines.
To choose the best 0% intro business cards, we looked at a variety of fields.
First we looked at cards that offered longer 0% intro periods. Many cards only offer 0% for six months, but six months can fly by when you're running a business. We preferred 12 months, but made an exception for Bank of America because of its healthy cash back rewards system.
Next we looked at back bonuses and cash back rewards. The card needed to offer some sort of cash back bonus that was outside of a cash back rewards system.
Lastly, we wanted bookkeeping integration, understanding that there are really great cards out there that don't presently offer this feature.
To decide which credit card is the right one for you, determine how long you need the 0% APR intro period to be. You may need the maximum amount of time, or you may only need a few months. The important thing is that you know how long you need.
Next, you will want to consider other perks like cash back bonuses and cash back rewards. If you're not just looking for the maximum amount of time you can get 0% APR, we recommend having a healthy balance of everything.
No, the interest level on a card does not hurt your credit score no matter how high or low it is. However, the amount of debt you have can hurt your credit score, as can late payments. To keep your credit score strong, make sure to always make your payments on time and to pay off your debt as soon as possible.
Credit cards come with interest, which means if you have debt on a card you're paying more than you borrowed if you don't pay off the balance in full each month. The benefit of a 0% APR card is that you're only paying off the balance of a card for a specified period of time until APR begins. If your purpose in wanting a 0% APR card is to pay down debt or make a large purchase, then you will want to find a card that offers the most amount of time. Typically, 0% APR periods last somewhere between 6 and 21 months.
Yes, a business can have a credit score. To improve your business's credit score, you will go about it the same way as you would your own. This means you will want to pay your bills on time, have a low credit utilization ratio, and will want to dispute any inaccurate negative items on your business's credit report.
If your primary aim is to find a card that offers a long 0% intro APR card, then you should consider the U.S. Bank Visa? Platinum Card because it is one of the only cards on the market to offer 0% APR for 18 billing cycles (then, variable APR 19.49% - 29.49%), making it great for transferring balances. Just make sure you transfer everything before 60 days. If you don't, you'll pay interest on it even though 18 billing cycles haven't elapsed.
Unfortunately, the US Bank Visa? Platinum card doesn't come with too many other benefits. However, if you're using it for your business, you can choose your payment date so it coincides with paid invoices. You can also enroll in autopay so you never miss a payment.
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