The best 0% APR business card depends on how long you need to repay purchases, what your business spends on, and the rate you could face afterward. Based on issuer offers checked October 7, 2026, Bank of America’s Platinum Plus Mastercard Business has the longest verified purchase promotion here at 15 billing cycles. Chase Ink Business Unlimited and American Express Blue Business Plus each offer 12 months; current exact terms for Ink Business Cash and Blue Business Cash need confirmation in their issuer disclosures.
These are purchase APR promotions, not evidence of an equivalent balance-transfer offer. Compare the promotional period with the ongoing variable APR, fees, rewards, and application terms before applying.
At a glance: 5 business cards with 0% introductory APR offers
| Card | Verified purchase promotion | APR after promotion | Annual fee | Rewards | Important qualification |
|---|---|---|---|---|---|
| Chase Ink Business Unlimited | 0% introductory APR for 12 months from account opening | 16.99%–24.99% variable | $0 | 1.5% cash back on purchases | Chase says offers may vary by application channel. Terms checked October 7, 2026. Chase offer and terms |
| Chase Ink Business Cash | Chase’s comparison page lists 0% introductory APR on purchases for 12 months | Not stated in the cited comparison extract; check the live pricing disclosure | $0 listed on the comparison page | Not fully established in the cited extract | Confirm current full pricing, rewards, and offer terms. Chase business card comparison |
| Bank of America Platinum Plus Mastercard Business | 0% introductory APR on purchases for the first 15 billing cycles | 14.74%–25.74% variable | $0 | Not stated in the cited offer information | Issuer describes this as an online-only offer that may not be available through other channels. Terms checked October 7, 2026. Bank of America offer |
| American Express Blue Business Cash | American Express includes it in its current 0% introductory APR business-card list; exact duration not stated in the cited page | Not stated in the cited page | Not stated in the cited page | 2% cash back on the first $50,000 of eligible purchases each calendar year, then 1% | Confirm full current pricing and terms with American Express. American Express 0% APR card list |
| American Express Blue Business Plus | 0% introductory APR on purchases for 12 months from account opening | 16.99%–28.74% variable | $0 | 2X points on the first $50,000 in eligible purchases each calendar year, then 1X | Terms checked October 7, 2026; offer and applicant terms can change. American Express Blue Business Plus offer |
APR ranges and offer details above reflect the issuer information available on October 7, 2026, not a guarantee of the terms an applicant will receive. “Not stated” means the cited issuer page or extract did not establish that detail; it is not a claim that the card lacks the feature.
How to choose the right 0% APR business card
Start with your payoff deadline
Estimate the purchase balance you expect to carry and divide it by the number of months or billing cycles in the promotional period. That gives you a rough monthly payoff target, before accounting for new spending, fees, or payment timing. Use the issuer’s exact start and end rules: a promotion stated as a number of months from account opening is not worded the same way as one stated in billing cycles.
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Compare the rate after the promotion
A 0% period postpones interest on qualifying purchases; it does not make a balance inexpensive once the offer ends. If you might not pay the balance off in time, compare the card’s ongoing variable APR range and plan for the possibility that your approved rate is toward the higher end. Rewards do not compensate for interest charges on a carried balance.
Match rewards to ordinary business spending
Choose cash back or points based on eligible purchases your business already makes. Check any annual rewards cap and the rate after the cap; a headline rewards rate applies only under the issuer’s stated rules. Do not choose a card for rewards alone if its payoff terms do not fit your borrowing plan.
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Check the actual application offer
Offers can vary by channel and issuer terms can change. Review the live pricing disclosure linked by the issuer before submitting an application, including the promotional scope, annual fee, post-intro APR, fees, eligibility, and any offer expiration. Approval and final pricing are subject to the issuer’s terms.
Which card fits which business?
Best for the longest verified purchase promotion: Bank of America Platinum Plus Mastercard Business
Its 0% purchase APR lasts for the first 15 billing cycles, the longest verified term among these five offers. The issuer lists a post-intro variable APR of 14.74%–25.74% and no annual fee. The offer is described as online-only and may not be available through another application route, so confirm the offer appears in your application channel.
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Best for simple cash back and a known payoff window: Chase Ink Business Unlimited
This card combines a verified 12-month purchase promotion with $0 annual fee and 1.5% cash back on purchases. Chase lists a post-intro variable APR of 16.99%–24.99%. Its offer can vary by application channel, so compare the terms displayed where you apply.
Worth checking for a 12-month offer and business-category rewards: Chase Ink Business Cash
Chase’s comparison page lists a 12-month 0% introductory APR on purchases and no annual fee. The available cited information does not establish its complete current ongoing APR or rewards details, so review the card’s full pricing and rewards disclosures before comparing it with another card.
Rank #4
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Best for a points-earning business that can clear purchases within a year: American Express Blue Business Plus
American Express lists 0% introductory APR on purchases for 12 months from account opening, followed by a 16.99%–28.74% variable APR. The card has no annual fee and earns 2X points on the first $50,000 in eligible purchases each calendar year, then 1X. Check the current offer and your applicant-specific terms.
Consider Blue Business Cash if uncapped-after-threshold cash back matters
American Express lists Blue Business Cash among its current 0% introductory APR business cards and states 2% cash back on the first $50,000 of eligible purchases each calendar year, then 1%. The cited category page does not establish the offer’s exact duration, ongoing APR, or annual fee. Verify those terms in the card’s current pricing disclosure before treating it as a match for a particular payoff plan.
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Does a 0% APR business card cover balance transfers?
Not necessarily. The offers listed here are verified as purchase APR offers; that does not establish that balance transfers qualify for the same rate or promotional period. Chase’s guide to 0% APR cards advises checking which transaction types qualify and how long the promotional period lasts. It also notes that balance-transfer fees may apply and that a standard balance-transfer APR generally applies to any balance remaining when a promotion ends. Read the specific card disclosure rather than assuming purchase terms apply to transfers.
What happens when the 0% period ends?
After the promotional period, any remaining purchase balance may be subject to the card’s standard APR under its terms. For the three offers with verified ongoing ranges here, those are Chase Ink Business Unlimited at 16.99%–24.99%, Bank of America Platinum Plus Mastercard Business at 14.74%–25.74%, and American Express Blue Business Plus at 16.99%–28.74%, all variable rates listed by their issuers as accessed October 7, 2026. The figures are product terms, not an estimate of what every applicant will receive.
Before using a promotion to finance a large purchase, check when the promotional clock starts, which transactions qualify, how payments are applied, and whether fees or exclusions affect your plan. Keep payments current and set a payoff schedule that clears the planned balance before the offer expires whenever possible.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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