Best 0% APR Business Credit Cards 2025: Complete List

Zero percent APR isn't just about avoiding interest—it's about accessing capital.

A business card with 12-15 months at 0% APR is essentially an interest-free loan. Stack multiple cards and you're looking at $50K-$300K in capital with no interest charges during the promotional period.

But not all 0% APR cards are equal. Some offer longer promotional periods. Some have higher credit limits. Some report to personal credit (which you may want to avoid). The best card for your business depends on how much you need, how long you need it, and what you're using it for.

Here's every major 0% APR business credit card worth considering in 2025.

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How 0% APR Business Cards Work

Before the list, understand the mechanics:

Promotional period: The window where purchases (and sometimes balance transfers) accrue no interest. Typically 9-21 months.

Minimum payments: You still owe minimum payments (usually 1-2% of balance). Miss one and you may lose the 0% rate.

After the promo: Rates jump to standard APR (often 18-26%). Any remaining balance accrues interest at this rate.

The strategy: Use the 0% period for capital access. Pay off or transfer the balance before the promo ends.

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Top 0% APR Business Cards (Ranked by Promo Length)

1. US Bank Business Triple Cash Rewards

0% APR Period: 15 months on purchases

Best for: Businesses wanting longest 0% period with no annual fee. Strong if you spend in the 3% categories.

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2. Chase Ink Business Unlimited

0% APR Period: 12 months on purchases

Best for: High credit limits without personal credit reporting. Simple rewards structure. Chase relationship banking benefits.

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3. Chase Ink Business Cash

0% APR Period: 12 months on purchases

Best for: Businesses with heavy office supply or internet spending. Same credit benefits as Ink Unlimited with better category rewards.

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4. Chase Ink Business Preferred

0% APR Period: 12 months on purchases (as of 2025 terms)

Best for: Maximizing sign-up bonus while getting 0% APR. Points worth more than cashback if transferred to travel partners.

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5. American Express Blue Business Plus

0% APR Period: 12 months on purchases

Best for: High spending without hard limits. Points accumulate with other Amex cards for combined value.

Note: Reports to personal credit, affecting your utilization ratios.

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6. American Express Blue Business Cash

0% APR Period: 12 months on purchases

Best for: Straightforward cashback with high spending capacity. Same flexibility as Blue Business Plus but cashback instead of points.

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7. Capital One Spark Cash Plus

0% APR Period: None (Charge Card)

Note: This is a charge card, not a credit card. No 0% APR because balance is due monthly. Included because the sign-up bonus is exceptional and it's often discussed alongside 0% APR cards.

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8. Capital One Spark Cash Select

0% APR Period: 9 months on purchases (varies)

Best for: No-fee option with decent 0% period. Good baseline card.

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9. Bank of America Business Advantage Unlimited Cash

0% APR Period: 9 billing cycles on purchases

Best for: Existing Bank of America business customers. Preferred Rewards program boosts cashback.

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Balance Transfer Options

Some cards offer 0% APR on balance transfers, useful for moving existing debt.

US Bank Business Platinum

0% APR: 18 months on balance transfers

• Transfer fee: 3%
• Best for consolidating existing business debt
• Limited rewards structure

Discover it Business Card

0% APR: 12 months on balance transfers

• Transfer fee: 3%
• Good cashback program
• Reports to personal credit

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Comparison Table: All 0% APR Business Cards

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How to Choose the Right Card

Priority: Longest 0% Period

Go with: US Bank Business Triple Cash (15 months)

If maximizing your interest-free window matters most, US Bank offers the longest standard promotional period.

Priority: Highest Credit Limits

Go with: Chase Ink cards

Chase business cards are known for generous limits, especially for established businesses. $25,000-$75,000+ is common.

Priority: No Personal Credit Reporting

Go with: Chase Ink cards or Capital One Spark

These cards typically don't report to personal credit bureaus (unless you default), protecting your personal utilization ratios.

Priority: Best Sign-Up Bonus

Go with: Chase Ink Business Preferred

100,000 points (worth $1,000-$1,500+) is one of the best sign-up bonuses available, even with the $95 annual fee.

Priority: Simplest Rewards

Go with: Chase Ink Unlimited or Amex Blue Business Cash

Flat-rate rewards (1.5-2%) on everything without tracking categories.

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The 0% APR Card Stacking Strategy

One card is good. Multiple cards are better.

Example Stack:

1. Chase Ink Unlimited: $30,000 at 0% for 12 months
2. Chase Ink Cash: $25,000 at 0% for 12 months
3. Amex Blue Business Plus: $40,000 at 0% for 12 months
4. US Bank Triple Cash: $15,000 at 0% for 15 months

Total: $110,000 at 0% APR

Timing Your Applications

• Wait 30 days between applications
• Start with Chase (5/24 rule considerations)
• Add Amex and US Bank after Chase
• Request credit limit increases after 6 months

Managing Multiple Cards

• Track promotional end dates for each card
• Set reminders 90 days before each expires
• Plan payoff or balance transfer strategy
• Keep minimum payments automated

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What Happens When 0% Ends

The promotional period isn't permanent. Here's how to handle the transition:

Option 1: Pay Off Balance

Budget payments to reach zero before promo ends.

Math: $30,000 balance, 12-month promo

• Monthly payment needed: $2,500

Option 2: Balance Transfer

Move remaining balance to a new 0% card.

• Transfer fee: Usually 3-5%
• New promotional period: 12-18 months
• Net cost: ~$1,000 on $30K vs. ~$5,000+ in interest

Option 3: Business Line of Credit

Pay off cards with a lower-interest business LOC.

• LOC rates: Often 7-15%
• Better than credit card APR (18-26%)
• Converts revolving to installment debt

What NOT to Do

• Ignore the deadline (rates jump to 20%+)
• Make only minimum payments
• Close the card after payoff (hurts utilization)

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Application Tips

Before You Apply

• Check personal credit (680+ preferred, 720+ ideal)
• Have business documents ready
• Know your annual revenue and time in business
• Clear any personal card balances below 30%

During Application

• Use exact legal business name
• Provide accurate revenue figures
• Apply for one card at a time
• Wait for decision before next application

After Approval

• Activate card immediately
• Note promotional period end date
• Set up automatic minimum payments
• Plan your capital deployment

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Next Steps

Pick the card that matches your priority—longest promo, highest limit, or best rewards. Apply strategically with 30-day spacing between applications.

The 0% APR period is a window. Use it intentionally, track your deadlines, and have an exit plan before the promotional rate ends.

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Want help building your 0% APR card stack? Freedom Consulting helps business owners access $50K-$300K in interest-free capital. Book a free consultation to design your funding strategy.

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Related: 0% APR Business Funding: Complete Guide | Credit Card Stacking Strategy

Disclaimer: Card terms change frequently. Verify current offers before applying. Credit decisions are made by card issuers. Results vary based on credit profile and business financials.

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Continue Learning

This article is part of our 0% APR Business Funding: How to Access $50K-$300K Interest-Free guide series.

Related articles in this series:

• Credit Card Stacking: How to Get $100K+ in Business Credit
• Balance Transfer Strategy: Move Debt to 0% APR and Save Thousands
• How to Request Credit Line Increases: Double Your Limits