Why 0% APR Business Credit Cards Matter in 2025

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For startups and small businesses, cash flow is king. A 0% APR business credit card offers an interest-free loan for up to 18 months, helping you:
✅ Finance inventory, equipment, or payroll without costly interest.
✅ Consolidate existing debt at 0% interest.
✅ Build business credit while preserving capital.

Here are the top 5 business credit cards with 0% intro APR in 2025, ranked by benefits, approval odds, and long-term value.

1. Chase Ink Business Unlimited® – Best for Long 0% APR Period

Key Features:

  • 0% APR for 18 months (then 18.49%–24.49% variable).
  • **750bonuscashback∗∗afterspending750bonuscashback∗∗afterspending6,000 in 3 months.
  • 1.5% unlimited cash back on all purchases.
  • No annual fee + Free employee cards.

Best For: Startups needing a long interest-free period with simple cash back.

2. U.S. Bank Business Triple Cash Rewards – Best for High Cash Back + 0% APR

Key Features:

  • 0% APR for 15 months (then 18.49%–25.49% variable).
  • **500cashbonus∗∗afterspending500cashbonus∗∗afterspending4,500 in 150 days.
  • 3% cash back on gas, dining, and office supplies.
  • No annual fee + Cell phone protection.

Best For: Businesses with high fuel or dining expenses.

3. Bank of America® Business Advantage Customized Cash Rewards – Best for Flexible Rewards

Key Features:

  • 0% APR for 12 months (then 16.49%–26.49% variable).
  • **300statementcredit∗∗afterspending300statementcredit∗∗afterspending3,000 in 90 days.
  • 3% cash back in a category of choice (travel, gas, office supplies, etc.).
  • No annual fee + Free accounting integrations.

Best For: Businesses wanting customizable rewards.

4. Capital One Spark Cash Plus – Best for High Spending Limits

Key Features:

  • 0% APR for 12 months (then 20.99% variable).
  • **1,000cashbonus∗∗afterspending1,000cashbonus∗∗afterspending30,000 in 3 months.
  • 2% unlimited cash back on all purchases.
  • No preset spending limit (great for scaling businesses).

Best For: High-growth startups with large expenses.

5. American Express Blue Business Cash™ – Best for Easy Approvals

Key Features:

  • 0% APR for 12 months (then 18.49%–26.49% variable).
  • 2% cash back on all purchases (up to $50K/year, then 1%).
  • No annual fee + Expense management tools.

Best For: New businesses with moderate spending.

How to Pick the Best 0% APR Card for Your Startup

  1. Check Your Credit Score (Most require 680+ for best approval odds).
  2. Calculate Your Spending (Match the card’s bonus threshold).
  3. Plan the Payoff (Avoid interest when the 0% period ends).
  4. Compare Long-Term Value (Some cards keep rewards after the intro APR).

Final Verdict

  • Best Overall: Chase Ink Business Unlimited (18 months 0% APR + $750 bonus).
  • Best for Cash Back: U.S. Bank Triple Cash Rewards (3% categories + $500 bonus).
  • Best for High Spendors: Capital One Spark Cash Plus ($1,000 bonus + unlimited 2% back).

Pro Tip: Apply for these cards before 2025 Q4—banks often reduce intro offers later in the year!

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