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Best 0% Intro APR Business Credit Cards of November 2026

Twelve months of interest-free purchases is the cheapest financing a small business can get. These cards offer it without an annual fee.

Credit cardsUpdated November 2026Reviewed by the Loanistry editorial teamHow we rateHow we make money
In short

The Amex Blue Business Plus and the Chase Ink Business Unlimited both offer 0% intro APR on purchases for 12 months with no annual fee. Choose Amex for points and flexible buying power, Chase for cash back and a larger welcome bonus.

Top pick: Amex Blue Business PlusOptions compared: 2Updated: November 2026

Compare at a glance

CardRatingBest forAnnual feeIntro APRRewards
Amex Blue Business PlusBusiness credit card4.7/5points$00% on purchases for 12 months2x Membership Rewards points on the first $50,000 in purchases each year, then 1xCheck options
Chase Ink Business UnlimitedBusiness credit card4.6/5cash back$00% on purchases for 12 monthsUnlimited 1.5% cash back on every purchaseCheck options

Click a column heading to sort. Chips filter by situation. Figures are published minimums and maximums; your offer depends on your file.

Our picks in detail

Best for pointsPartner

Amex Blue Business Plus · Business credit card

4.7/50% on purchases for 12 months
Check optionsRead review
Annual fee$0
Intro APR0% on purchases for 12 months
Rewards2x Membership Rewards points on the first $50,000 in purchases each year, then 1x
Credit needed690+

For a business with good personal credit, this card is the cheapest money on this site for the first year: twelve months of 0% on purchases, no annual fee and 2x points on everyday spend. Pay it off before the intro period ends and it costs nothing.

Pros

  • 0% intro APR on purchases for 12 months
  • No annual fee
  • 2x points on all purchases up to $50,000 a year
  • Expanded buying power above the credit limit

Cons

  • Requires good to excellent personal credit
  • No 0% period on balance transfers
  • Points, not cash, unless you redeem for statement credit
  • 2.7% foreign transaction fee
Requirements: 690+ personal FICO recommended · Sole proprietors can apply with an SSNFigures verified 2026-11-01
Best for cash back

Chase Ink Business Unlimited · Business credit card

4.6/50% on purchases for 12 months
Check optionsRead review
Annual fee$0
Intro APR0% on purchases for 12 months
RewardsUnlimited 1.5% cash back on every purchase
Credit needed690+

Simple and strong: 1.5% back on everything, a large welcome bonus after meeting the spend requirement, 0% for a year and no annual fee. If you do not want to think about categories, this is the default business card.

Pros

  • Unlimited 1.5% cash back
  • Large welcome bonus
  • 0% intro APR on purchases for 12 months
  • No annual fee; free employee cards

Cons

  • Good to excellent credit needed
  • Foreign transaction fee
  • Chase's 5/24 rule can block frequent applicants
Requirements: 690+ personal FICO recommended · Fewer than five new cards in 24 monthsFigures verified 2026-11-01

How we chose

We required a 0% intro APR on purchases of at least 12 months and no annual fee, then ranked on rewards and welcome bonus.

Market note, November 2026. Twelve months remains the standard window. Pay in full before it ends; the go-to rate afterward is above 17%.

How to get one

  1. Step 1

    Calculate the payoff

    Divide what you plan to charge by the number of intro months. That is the minimum you must pay monthly to finish at zero interest.

  2. Step 2

    Set autopay above the minimum

    Minimum payments will not clear the balance in time.

Frequently asked questions

Do 0% APR business cards charge interest retroactively?
No. Unlike deferred-interest store financing, a true 0% intro APR card only charges interest on whatever balance remains after the intro period ends.

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