Best 0% Small Business Credit Cards
Despite the credit crunch, 0% balance transfer offers are more prevalent than ever! Increasing competition means that you can take advantage of incredible offers to refinance your balances at 0% interest for a year or more. Plus, many cards offer generous rewards programs that ply you with frequent flier miles, gift certificates or even cash back. Note that some business credit cards actually have the most generous terms, and many issuers are pretty liberal with their definition of a 'business'. So, if you use your credit card for both work and personal use, it may be very worthwhile to check out some of these business credit card offers as well!
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
15 Months |
NONE |
YES |
Prime + 1.99% |
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter
- 7.99% Variable APR on Purchases
- Choice of 5% Cash Back or Travel Rewards
- No Annual Fee and No Limit on Earnings
- $0 Fraud Liability
- Personalized card -- your company name on the top of the card
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
9.24% |
- 5,000 point welcome bonus with first purchase
- Earn 1 point for virtually every dollar you spend
- Redeem for savings on any flight, hotel, car rental or cruise
- No blackout dates and no travel restricstions
- No annual fee and the option to pay over time or pay in full
- No annual fee and 0% intro APR for 6 months
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
Prime + 5.99% |
- 0% Intro APR on Balance Transfers and Purchases for 12 Months
- Prime + 5.99% Variable APR thereafter
- Up to $50,000 Credit Line
- No Annual Fee
- $0 Fraud Liability
- Personalized card -- your company name on the top of the card
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
8.24% |
- Option to enroll in the Membership Rewards® Express Program fee-free
- There's no limit to the number of points you can earn
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- 0% APR for the first 12 months
- No annual fee and fee-free Additional Cards
See Terms & Conditions for Important Information, Benefits and Limitations
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
10.99% |
- 3% Cash Back for eligible purchases at restaurants, gas stations, office supply stores,
building supply stores, hardware and home improvement stores
- 1% Cash Back on all other purchases
- 0% Intro APR for up to 12 Months*
- No Annual Fee
- Great deals on computer equipment, car rentals, hotel rooms and more with the
Visa® Business Partner Advantage
See Terms & Conditions for Important Information, Benefits and Limitations
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
13.99% |
- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
- Cash back - Redeem 3,500 points and receive a $25 check.
- Gift cards - Get free stuff from your favorite stores and restaurants.
- Free employee cards with customizable limits and monthly reporting on their spending
See Terms & Conditions for Important Information, Benefits and Limitations
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 0% |
12 Months |
NONE |
YES |
13.99% |
- 0% Intro APR* on Card Purchases and Balance Transfers
- 12,000 Bonus Miles*
- No annual fee
- Earn Double Miles on travel and gas*
- Travel with no restrictions – book any airline, any date, any seat
View Discover® Card Rates, Fees, Rewards and Other Important Information
| Intro APR |
Intro APR Period |
Annual Fee |
Balance Transfers |
Regular APR |
| 3% |
6 Months |
1ST YEAR FREE |
YES |
15.24% |
- Earn 10,000 Starpoints® with your first purchase — that's good for up to three free nights!*
- Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood
hotels and resorts
- Redeem at over 825 participating Starwood hotels
- Transfer Starpoints to over 30 frequent flyer programs
- Save 3-25% on business purchases at companies like FedEx®, Delta®,
Hertz®, and more.
- No annual fee for the first year - a savings of $45
- Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards
See Terms & Conditions for Important Information, Benefits and Limitations
