Is there such a thing as a business credit card with no interest? The answer is yes. No interest here is equivalent to 0% APR (annual percentage rate). So, you have zero annual fees with basically interest-free financing on balance transfers or purchases. This is a very important aspect that businesses often need to consider when choosing the best business credit card for the company.
Best Business Credit Card with 0% APR Recommendation
A free-interest business credit card is appealing. However, you need to consider various aspects such as the length of the introductory period, benefits, and other features. There are other important factors that business credit cards must have besides the low or no interest. Here are our best recommendations.
1. U.S. Bank Business Platinum
This is the best overall option from various lenders that provide such an offer. It has a 0% APR business credit card with a limit of 18 billing cycles. It goes to the introductory period, and far from that, the offers are still as good.
The variable APR is around 14.99% – 23.99%. Other features include free access to expense management tools via VISA Spend Clarity. It is the longest period among other business cards on this list.
2. S. Bank Triple Cash Rewards World Elite Mastercard
This is the best offer for business cards with 0% APR and rewards. It provides a free transfer balance for 15 billing cycles, a slightly lower number than the previous option. It has no annual fee and is practically known for its generous rewards and cashback.
It has 3% off from gas, restaurant, phone service, store supply, and other eligible purchases. You can have more detail by browsing its official site.
3. American Express Blue Business CashTM
This is one of the best recommendations for business cards due to their automatic cash rewards earning. The cardholder receives 2% cash back for various eligible purchases from the $50,000 calendar yearly.
You also get 1% cash back thereafter and much other automatic cashback to your statement. However, zero interest doesn’t apply for balance transfer transactions. Aside from that, you can save a lot using this card. Its steady and reliable cashback is a game changer.
4. Chase Ink Business Unlimited®
This is the best business card for easy unlimited rewards. You can have no interest on the card with an additional 12-month 0% introductory APR eligible for all purchases. Moreover, cardholders can obtain a fixed rate of 1.5% cash back on any business purchase. Like the other card, Chase balance transfers have some fee charges.
5. PNC Cash Rewards® Visa Signature® Business Credit Card
If you want to go thrift then this is the business credit card to go. It is the best offer for the lowest starting APR among other credit cards on this list. Like the rest, it offers 0% APR on purchases with emphasis on the first nine billing cycles after the account is open.
The 0% APR period is shorter than other cards on this list, however, the low annual fee and ongoing APR make it an ideal business credit card to have for long-term usage.
You can start your business by having the right business cards. Various credit card company offers various perks and benefit. This list offers a low to no-interest credit card for the card holder. Surely, it is a beneficiary advantage that you can grab while you meet its requirements.
