13 Best Small Business Credit Cards with 0% APR Intro Rates

Cash flow is the lifeblood of any small business, and sometimes, the gap between billing a client and getting paid can feel like a canyon. That’s where the best small business credit cards with 0% APR come into play.

Think of these cards as an interest-free loan for 12 to 18 months. Whether you need to buy new equipment, fund a marketing campaign, or consolidate high-interest debt, a 0% introductory APR offer gives you the breathing room to grow without the weight of immediate interest charges.

In this guide, we’re cutting through the noise to bring you the top 13 cards for 2026 that actually deliver on their promises. We’ll look at offer durations, rewards structures, and hidden fees so you can pick the right financial tool for your business.

Why You Need a 0% APR Business Credit Card in 2026?

If you are a startup founder or a small business owner, you know that liquidity is everything. A 0% APR business card isn’t just a convenient payment method; it is a strategic financing tool that allows you to leverage bank money for free. Unlike a traditional bank loan, which involves stacks of paperwork, approval wait times, and immediate interest accrual, these cards give you instant access to capital. If you swipe for a $10,000 server upgrade today, you might not have to pay a dime of interest on that purchase until mid-2027. This “float” allows you to keep your actual cash in a high-yield savings account or reinvest it into other areas of your business while you pay down the credit card balance slowly over time.

However, it is crucial to understand the difference between “0% Intro APR” and “Deferred Interest.” All the cards on our list offer true 0% Intro APR. This means if you still have a balance when the promo period ends, you only pay interest on the remaining balance. Deferred interest, which is common with retail store cards, works differently and is much riskier; if you miss the deadline by even one day, they charge you back-interest on the entire original amount from the date of purchase. We have carefully selected cards that avoid those traps entirely, ensuring you have a safe and predictable financing option.

The 13 Best Small Business Credit Cards with 0% APR

We’ve analyzed the current market to find the longest terms and best rewards. Here are the top contenders for 2026.

1. U.S. Bank Business Platinum Card

This card is arguably the most powerful tool available for businesses specifically looking to tackle debt or finance a massive project over a long period. While many competitors cap their 0% offers at 12 months, the U.S. Bank Business Platinum Card typically stretches this to a market-leading 18 billing cycles. This gives you a full year and a half to pay down your balance without incurring a cent of interest. It’s important to note that this card does not earn rewards—no cash back and no points. You are trading rewards for time. It is a pure financial instrument designed to save you money on interest rather than earn you money on spending. If you are consolidating debt from another high-interest card, this is likely your best bet because it offers the same long 0% term on balance transfers as it does on purchases.

2. Chase Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited® is a favorite among business owners who want simplicity and high value without having to track spending categories. You earn a flat 1.5% cash back on every single purchase, whether it’s a client dinner, a software subscription, or office rent. The 0% intro APR offer on purchases usually lasts for 12 months, giving you a solid year to float expenses. What makes this card truly special is its integration with the “Chase Trifecta.” If you have a premium Chase card like the Ink Business Preferred® or Sapphire Reserve®, you can convert your cash back into Ultimate Rewards points, potentially doubling their value for travel. It also comes with valuable protections like primary rental car insurance when renting for business purposes, which can save you money on daily insurance rates.

3. Chase Ink Business Cash® Credit Card

If your business has high overhead costs in traditional operational categories, the Chase Ink Business Cash® is a powerhouse earner. It offers a massive 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. That’s a potential $1,250 in cash back just for paying bills you have to pay anyway. The 0% intro APR on purchases for 12 months makes it an excellent choice for a new office setup. You could buy all your furniture, computers, and networking gear, earn 5% back on the purchase, and then take a year to pay it off interest-free. It’s a strategic card that rewards specific spending behaviors heavily.

4. The Blue Business® Plus Credit Card from American Express

For business owners who prioritize travel over cash back, this card is arguably the most valuable no-annual-fee option on the market. It earns 2X Membership Rewards® points on the first $50,000 in purchases each year, regardless of the category. These are fully transferable points that you can move to airline partners like Delta, British Airways, or Singapore Airlines for high-value flight redemptions. The 12-month 0% intro APR on purchases adds another layer of flexibility, allowing you to fund inventory or marketing costs while racking up points for your next business trip (or vacation). Amex also includes “Expanded Buying Power,” which allows you to spend above your credit limit if needed, providing a safety net for unexpected large expenses.

5. American Express Blue Business Cash™ Card

If you prefer the simplicity of cash back over managing travel points, this version of the “Blue” card is the perfect alternative. It offers the same 2% earning rate on the first $50,000 in purchases per year as the Plus version, but the rewards are automatically credited to your statement as cash back. This “set it and forget it” feature is fantastic for busy entrepreneurs who don’t want to log in to redeem points manually. The 12-month 0% intro APR on purchases allows you to smooth out cash flow dips. For example, if you are a seasonal business, you can use this card to stock up on inventory before your busy season, pay zero interest, and use the automatic cash back to lower your overall costs.

6. Wells Fargo Signify Business Cash℠ Card

A newer contender in the business credit card space, the Wells Fargo Signify Business Cash℠ Card has quickly made a name for itself by offering unlimited 2% cash rewards on all business purchases. Unlike the Amex options, there is no $50,000 cap on the 2% earning rate, making this superior for businesses with higher annual spending. The card also features a 12-month 0% intro APR on purchases, which is standard for the industry but pairs exceptionally well with the uncapped rewards. If your business spends $100,000 a year on varied expenses that don’t fit into normal “bonus categories,” this card will earn you $2,000 in cash back, simple as that. It’s a low-maintenance card with high-yield potential.

7. U.S. Bank Triple Cash Rewards Visa® Business Card

This card is a hidden gem because it rewards categories that many other cards ignore. You earn 3% cash back on gas and EV charging stations, office supply stores, cell phone service providers, and restaurants. But the real standout feature is the $100 annual software credit. If you pay for recurring software subscriptions like QuickBooks, FreshBooks, or other eligible software, you get a $100 statement credit annually. Since the card has no annual fee, U.S. Bank is essentially paying you to keep the card. The 0% intro APR offer is generous, covering both purchases and balance transfers for 12 billing cycles, giving you flexibility whether you are buying new or paying off old debt.

8. Bank of America® Business Advantage Customized Cash Rewards

Flexibility is the name of the game with this card. It allows you to choose your own 3% cash back category from a list that includes consulting services, travel, telecom, gas, office supplies, or computer services. You can even change your category once a month to align with your upcoming expenses. For example, if you know you are traveling in June, switch it to “Travel.” If you are upgrading tech in July, switch it to “Computer Services.” The 0% intro APR offer typically lasts for 9 billing cycles on purchases. While slightly shorter than the 12-month standard, the high customization of rewards makes it incredibly valuable for businesses with fluctuating needs.

9. Bank of America® Business Advantage Unlimited Cash Rewards

For businesses that are already banking with Bank of America, this card is often the mathematically superior choice. On its own, it offers unlimited 1.5% cash back on all purchases, which is standard. However, if you qualify for the highest tier of the “Preferred Rewards for Business” program (by keeping a high balance in your BofA business checking accounts), your rewards bonus can increase by 75%. This boosts your effective earning rate to a massive 2.62% on every purchase. The card offers a 0% intro APR on purchases for 9 billing cycles, providing a decent window for financing while you rack up these elevated rewards rates.

10. Capital One Spark Miles Select for Business

The “Select” version of the popular Spark Miles card is designed for business owners who want travel rewards without an annual fee. You earn unlimited 1.5 miles per dollar on every purchase, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel. The miles are flexible and can be used to “erase” travel purchases from your statement or transferred to airline partners. The card comes with a 0% intro APR on purchases for 12 months. It’s a great entry-level travel card, but be aware that Capital One typically reports business card activity to your personal credit report, so high utilization could impact your personal credit score.

11. Capital One Spark Cash Select for Business

Similar to its miles-earning sibling, the Spark Cash Select offers unlimited 1.5% cash back on every purchase. It is a straightforward, no-nonsense card perfect for business owners who want cash liquidity rather than travel points. The 12-month 0% intro APR on purchases allows you to free up cash flow during your first year. One distinct advantage of Capital One cards is their lack of foreign transaction fees. If you order inventory from overseas suppliers or pay for software in foreign currencies, you won’t get hit with the extra 3% fee that many other cash-back cards charge.

12. First Citizens Bank Business Visa

While First Citizens Bank might not be a household name like Chase or Amex, their Business Visa is a surprisingly strong contender, especially regarding interest rates. Most business cards revert to a very high APR (20%+) after the intro period ends. The First Citizens card typically offers a much lower ongoing APR based on the Prime Rate plus a smaller margin. It includes a 12-billing-cycle 0% intro APR on both purchases and balance transfers. This makes it an excellent “safety” card to hold long-term; if you ever do need to carry a balance after the first year, it will likely cost you less in interest than holding that same balance on a major bank card.

13. State Farm Business Cash Rewards Visa Signature®

This card is a niche player that packs a punch for specific businesses. If you are already a State Farm client or your business has significant insurance premiums, this card is tailored for you. It earns 3% cash back on insurance premium payments (up to $4,000 spent annually), which is a category almost no other card rewards. Additionally, it offers 2% back at gas stations and dining. The 12-month 0% intro APR on purchases and balance transfers makes it a versatile financial tool. It essentially acts as a discount on your business insurance while providing a financing float for other operational expenses.

How to Choose the Right 0% APR Card?

With so many options, narrowing it down can be tricky. You shouldn’t just grab the first one you see or the one with the flashiest advertisement. You need to look at your specific business plans for the next year and match the card’s features to your financial reality.

First, identify your primary goal. Are you looking to refinance old debt to save on interest? If so, you need a card that specifically allows balance transfers at 0% APR (like the U.S. Bank Platinum). Many cards only offer the 0% rate on new purchases, which wouldn’t help you with existing debt. Second, look at the timeline. If you are buying a piece of machinery that will take 18 months to pay off, a 12-month card won’t cut it—you’ll get hit with interest for those last 6 months. Finally, consider the “Personal Guarantee.” Most of these cards require you to be personally liable for the debt. This means you should never borrow more than you can personally cover if the business hits a snag.

Methodology: How We Ranked These Cards?

We didn’t just pick names out of a hat. We conducted a deep dive into over 50 business credit cards available in the US market for 2026. Our selection process was rigorous, prioritizing “true” 0% APR offers over deceptive deferred interest schemes. We wanted to ensure that every card listed here offers a genuine safety net for your business.

Beyond the intro rate, we weighed the long-term value of the cards. A card that offers 0% interest is great for a year, but a card that offers 0% interest and puts 2% cash back in your pocket provides value for years to come. We also checked heavily for annual fees. Small businesses shouldn’t have to pay a fee just to have access to credit, so almost every card on this list has a $0 annual fee. Finally, we considered accessibility, ensuring these cards are available to a wide range of business structures, from sole proprietorships to LLCs.

Takeaways

Finding the best small business credit cards with 0% APR is about matching the offer to your immediate expense needs. If you have a massive equipment purchase coming up, a card like the U.S. Bank Business Platinum gives you the longest runway to pay it off without stress. If you want to earn rewards while you float your expenses, the Chase Ink Unlimited or Amex Blue Business Plus are unbeatable tools that pay you to use them.

Remember, these 0% offers are temporary levers for growth. Use them to smooth out your cash flow, survive a slow season, or invest in your company’s future, but always have a plan to clear the balance before the standard rates kick in. By choosing the right card, you aren’t just delaying payment—you’re strategically financing your success.