4 No-Annual Fee Business Credit Cards That Give You 0% Intro APR


Grow Your Business

Sep, 22 2017

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Business credit cards with 0% intro APR are a smart way to get access to capital you need to help your business grow. These top business cards also come fully loaded with rewards and features designed to help your business thrive.

We break down the fine print for you below. See the best 0% intro APR business cards with no annual fee. Apply now to keep your business moving forward and breathe easy knowing that you have 9, 12, or up to 15 months to pay off the balance interest free.

Top No-Annual Fee 0% Intro APR Business Credit Cards 

Ink Business Cash℠ Credit Card

Intro APR: Get 0% for 12 months on purchases. That gives you a year to carry a balance without interest charges piling up.

The Ink Business Cash℠ Credit Card is a cash-back winner for businesses that spend a lot on office supplies, phone or internet services. Its simplicity and high rate of cash-back rewards make it a perfect match if you don't want to be bothered with an annual fee and if you have phone or internet expenses.

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Unlimited 1% cash back on all other card purchases. There’s no limit to the amount of cash you can earn.

Pile the rich cash-back rewards back into your business to help improve the bottom line or use rewards towards your statement balance. This card offers many valuable perks. If you travel for business, benefit from auto rental insurance and travel assistance services when you use the card for those purchases. It’s worth noting, Kiplinger’s Personal Finance named this card "A Great Card for Small Businesses."

Sign-up Bonus: Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Annual fee: $0

Best for: Business owners who spend on office supplies, cell phones/internet will earn stellar cash-back rates with this card. Plus, a healthy rate on gas, restaurants and all other purchases. If your business needs to make a big purchase soon, this card offers a generous 0% intro APR period 0% for 12 months.

The Blue Business℠ Plus Credit Card from American Express

Intro APR: Get a generous 0% for 15 months on purchases. This card offers one of the longest 0% intro APR periods on a business credit card.

American Express made headlines when it rolled out this new offer that offers a flat 2X Membership Rewards® 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. No category restrictions. That’s a compelling rate for a no-annual fee business card.

If that didn’t get your attention, this card is loaded with powerful features to help entrepreneurs fuel their business. Rely on this card to cover unexpected business expenses or new growth opportunities with the card’s expanded buying power feature. That means card members can spend above their credit limit*, which gives business owners ability to move quickly on new opportunities without the hassle of making phone calls or paying over limit fees. (*The amount card holders can spend above the limit is not unlimited. It adjusts with your use of the card, payment history and other factors.)

Sign-up Bonus: None - long periods of 0% intro APR offers typically don’t come with sign-up bonuses as the zero-interest period is a major benefit. This card’s extra-long 0% intro APR is a valuable financing tool for businesses.

Annual fee: $0

Best for: If you are looking for one of the longest 0% intro APR period available and expanded buying power, this card is the financial cushion your business needs. If your credit isn’t perfect, don’t fret. This card is aimed at those with excellent/good credit.

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

Intro APR: Get 0% for 9 billing cycles on new purchases. Then it switches to a variable rate.

If you drive a lot for business or have a fleet of vehicles, take note of the big reward rate on gas with a generous annual cap offered here. You will earn 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that). Every business owner can benefit from more cash, and this card will help. Redeem your cash rewards for cash-back or apply those rewards to your Bank of America® savings or checking account.

Sign-up Bonus: $200 statement credit after $500 in purchases within 60 days of account opening. Enjoy a quick capital injection to your bottom line with this low spend requirement to earn your sign-up bonus.

Annual Fee: $0

Best for: If your business spends big on gas and office supplies, the high annual cap means you could generate meaningful cash-back rewards with this no-annual fee card. Other business cards cap category spending at $25,000 or $50,000, but not here.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Intro APR: Get 0% for 9 billing cycles on new purchases. Then it switches to a variable rate.

This is the best no-annual fee business credit card for flexible travel rewards. Earn 1.5 points for every $1 you spend on all purchases. Use Bank of America® Travel Center, powered by Orbitz®, to book your travel and you'll earn 3 points for every dollar spent. There’s no limit to the number of points you can earn and the points do not expire.

Redeem your points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees. That means you won’t have to deal with blackout dates or travel restrictions when you book your trip. There is $0 annual fee and no international transaction fees. This card comes packed with travel perks like travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement when you use this card.

Sign-up Bonus: 25,000 bonus points when you spend $1,000 in the first 60 days.

Annual Fee: $0

Best for: If you want to quickly rack up travel rewards for your business spending with no annual fee this card can’t be beat. The 0% intro APR period offers breathing room if you have a new business purchase or cash flow lags.

Apply Now: Get Quick Access To Business Financing

One of the biggest challenges business owners face is access to capital. Opening a business credit card is typically faster than applying for a business loan and you won’t pay any origination or SBA guarantee fees.

Zero percent intro APR offers are basically no-interest loans for a set time. Common sense is required, though. You'll need to make the minimum payment each month. If not, you could rack up penalty fees or even lose your promotional APR period.

Business credit cards are a great solution to get the funding you need to help your business thrive. Apply now and get access to the financing you need, so you can get back to the business of running your business.