Are There Good Intro APR Business Credit Cards Out There?

Are you looking for business credit cards with a 0% intro APR? We combed through several selections and weighed the pros and cons. The length of the introductory APR period was only one of our considerations. In fact, all of the cards we’re talking about today have no annual fee!

But let’s step back and look at some definitions first.

Annual Percentage Rates

APR is a yearly interest rate. It includes fees and costs paid on borrowed money (loans or credit). Lenders are required by law to disclose this. The rate comes from taking the periodic rate and multiplying it by the number of billing periods in a year. A credit card may have separate APRs for balance transfers, cash advances, or other special offers. If offers are subject to an expiration date, the relevant balance will usually revert to your default APR.

Variable Rate (or Variable APR)

This is an annual percentage rate that can change throughout the year. It can be an introductory APR that changes after a specific period of time. Variable APRs will likely change if the Prime Rate changes. So it makes sense to pay attenti0n to financial news. That way, you know if and when the Prime Rate changes.

Introductory APRs

There are a lot of business credit cards which have a 0% intro APR. The length of the introductory period can vary. So can the APR charged after the introductory period expires. Always check the fine print because there may be other charges that apply. They could negate the benefit of the introductory APR. Note: late payments can often be subject to the higher, post-introductory APR.

Honorable Mention: Get Product Savings

Regions Visa Business Enhanced Credit Card

First of all, consider the Regions Visa Business Enhanced Credit Card. You can earn Regions Relationship Rewards on qualifying purchases. You can redeem these for cash, statement credits, travel, and more. And you also get access to Visa SavingsEdge which provides an automatic savings of up to 15% on eligible purchases. Discounts appear in the form of statement credits. Pay no annual fee.

Get a 0% introductory APR through the end of the sixth billing cycle after account opening. Then pay a 11.49-22.49%, per creditworthiness. Pay a 11.49-22.49% balance transfer APR. This is a good card if you can wait for perks as the statement credits for both programs may take a cycle to show up on your account. But it’s also a decent card for interest rate – if you’ve got good personal credit scores.

Business Credit Cards with 0% Introductory APR for 12 Months and Cash Back

While these two cards had the longest intro APR period we found, their perks were … okay.

#10. Chase Bank Ink Business Unlimited®

With the Chase Bank Ink Business Unlimited® card, you get a $750 bonus cash back if you spend $7,500 in the first 3 months after account opening. Pay no annual fee. Get 1.5% cash back unlimited. Pay a 0% APR on purchases for the first 12 months after account opening. Then pay 13.24-19.24% per creditworthiness. Balance transfer APR is 13.24-19.24% per creditworthiness. If you have several computers or other expensive equipment to purchase, buy them fast to take advantage of the cash back bonus

#9. Chase Bank Ink Business Cash®

For somewhat decent interest rates, check out the Chase Bank Ink Business Cash® card. Pay 0% APR on purchases for the first twelve months. And then pay 13.24-19.24%. you pay no annual fee.

Get 5% cash back on the first $25,000 you spend on certain business products. These include office supply stores, internet, cable, and phone services. This works out to 4% added cash back rewards on top of 1% cash back rewards earned per purchase. The $25,000 flat spending limit resets every year. You can get $750 bonus cash back if you spend $7,500 in the first 3 months after account opening.

It’s pretty hard to hit the minimum spend. The agreement does not prohibit using your card to buy pricier items like plane tickets, vehicle repairs, or even heavy equipment. Still, you may find that using other means, like equipment financing or fleet credit, would make for a better deal for your business.

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards with 0% Introductory APR for 9 Months and Triple Points on Gas

#8. Bank of Hope Business Rewards Visa® Credit Card

Take a look at the Bank of Hope Business Rewards Visa® Credit Card. Pay no annual fee. There is a 3% balance transfer fee with a minimum of $5. Earn 5,000 bonus points after spending $1,000 in the first three months. And earn triple points on gas. Get double points on travel and dining. Earn one point per dollar on all other purchases.

Pay a 0% intro APR for nine months. Then pay a variable APR 12.49%, 16.49% or 20.49% per creditworthiness. It should be easy for most entrepreneurs to meet the spend required for the points bonus. Triple points on gas are particularly helpful if yours is a business requiring a lot of time on the road. Say, trucking. If your credit is good enough to get the lowest APR after the introductory period ends, this could be a great card for you.

Business Credit Cards with 0% Introductory APR for 6 Billing Cycles and No Minimum Spend to Get a Bonus

#7. Mechanics Bank Visa Business Real Rewards

For no minimum spend, check out the Mechanics Bank Visa Business Real Rewards card. Pay no annual fee. Get 1.5 points per month per dollar. And get 2,500 bonus rewards points after your first purchase. Enjoy a 0% introductory APR for purchases and balance transfers for the first six billing cycles. Then pay 13.99-22.99% per creditworthiness. The bonus is decent. Since there’s no minimum spend, it begs the question. Can you get 2,500 bonus rewards points for buying a pen?

Business Credit Cards with 0% Introductory APR for 9 Billing Cycles and Travel Perks

#6. Bank of America Business Advantage Travel Rewards Credit Card Platinum + MasterCard

Take a look at the Bank of America Business Advantage Travel Rewards Credit Card Platinum + MasterCard. Pay no annual fee. Get 30,000 bonus points when you make at least $3,000 in new net purchases. They must post to your account in the first 90 days. Earn 1.5 points per dollar spent. Get triple points per dollar spent on travel. Pay a 0% intro APR for the first nine billing cycles. Then pay 12.24-22.24%.

The bonus points offer is generous. And the spend is relatively easily attainable. If your business requires a lot of traveling, this is a good card.

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards with 0% Introductory APR for 6 Months and Get Points or Cash Back

These two cards are so similar, they came up as a tie. But if we had to choose, we would pick the cash card, as cash never expires.

#4. (tie) Zions Bank Visa Amazing Cash® Business Credit Card

For decent cash back rewards, check out the Zions Bank Visa Amazing Cash® Business Credit Card. Get 3% cash back on select business purchases. These include office supplies, cell services, internet, telecom, and cable TV. And get 2% cash back on select business travel purchases. These include airlines and vehicle rentals.

And get 1% cash back on everything else. Pay a 0% introductory APR on balance transfers for the twelve months after account opening. Then pay a 14.24% variable APR afterwards. Pay a 3% balance transfer fee for each transfer. A $10 minimum applies.

Get a credit limit up to $250,000. Pay no annual fee. There are no rewards fees. Pay a 0% introductory APR for the first 6 months after account opening. Then pay a 14.24% variable APR after.

The upper limit is good. And the varied cash back rewards are decent.

#4. (tie) Zions Bank Visa Amazing Rewards Business Credit Card

With the Zions Bank Visa Amazing Rewards Business Credit Card, you pay no annual fee. There is a 0% intro APR on balance transfers for twelve months. Then pay 14.24% variable. Get three points for every dollar spent on select business purchases. These include office supplies, cell services, internet, telecom, and cable TV.

Get two points for every dollar spent on business travel purchases. These include airlines and vehicle rentals. Get one point for every dollar spent on everything else. Pay a 0% introductory APR for the first six months. Then pay 14.24% variable. Enjoy limits to $250,000. The upper limit for this card is good, and the opportunity to earn points is decent.

Business Credit Cards with 0% Introductory APR for 6 Months and a Generous Points Bonus

#3. Union Bank Business Preferred Rewards Visa Credit Card

Consider the Union Bank Business Preferred Rewards Visa Credit Card. Get a 50,000 introductory reward points bonus when you spend $5,000 in the first three months. Enjoy quintuple points per dollar spent to $25,000 annually on select business expenses. These include office supplies, utility bills, and telecom services. And get one point per dollar spent above that. Get double points for each dollar spent up to $25,000 annually on gas stations and restaurants. And get one point per dollar spent above that. Plus, you get one point per dollar spent on everything else.

Pay a 0% introductory APR for the first six months. Then pay a 11.99-20.99% variable APR. there is no annual fee. This card has a great introductory points offer. And the amount you have to spend to get it isn’t bad.

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards with 0% Introductory APR for 9 Billing Cycles and an Outstanding Post-Intro APR

#2. PNC Bank Cash Rewards® Visa Signature® Business Credit Card

Get a look at the PNC Bank Cash Rewards® Visa Signature® Business Credit Card. You can get a $200 bonus if you spend $3,000 in the first 3 billing cycles after account opening. Get 1.5% cash back on net purchases. There is no cash back limits. Pay no annual fee.

There’s a 0% APR for the first nine billing cycles after account opening. Then pay a 10.99-19.99% variable APR, per creditworthiness. With mostly lower post-intro period interest rates and an easy to meet spend, this card is can be a great choice.

Business Credit Cards with 0% Introductory APR for 6 Months and an Outstanding Post-Intro APR

#1. Zions Bank Visa Amazing Rate Business Credit Card

So the only card to beat PNC Bank’s lowest post-introductory APR was the Zions Bank Visa Amazing Rate Business Credit Card. You pay no annual fee. There is a 0% introductory APR for the first six months. Then pay 10.24% variable. Get limits to $250,000. This card has a good upper limit and the post-introductory APR is the best one we found.

Business Credit Cards with a Good Intro APR: Takeaways

Know the length of the introductory APR period, and the post-introductory rate. Those are over half the battle when deciding among business credit cards with an intro APR of 0%. Perks and annual rates should also play a part when you make your decision. And, no matter what, strive to pay your business credit card bills on time. Because if you do, then an introductory APR won’t matter to you.

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