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Greatest 0% Credit score Playing cards for Enterprise


At NerdWallet, we try that will help you make monetary choices with confidence. To do that, many or all the merchandise featured listed here are from our companions. Nonetheless, this doesn't affect our evaluations. Our opinions are our personal.

On the entire, enterprise bank cards aren't fairly as beneficiant with introductory 0% curiosity intervals as their consumer-oriented counterparts. Whereas many client playing cards provide 0% intervals of 15 months or extra, enterprise playing cards not often go longer than 9 months to a yr. Nonetheless, should you're trying to finance a giant buy for your small business or switch high-interest debt, you will get a break from curiosity with these playing cards. All the playing cards under cost no annual charge.

» MORE: NerdWallet’s greatest bank cards for small enterprise

U.S. Financial institution Enterprise Platinum

0% intro APR interval on purchases and steadiness transfers: 20 billing cycles
NOTE: This card just isn’t accessible in each state

The excellent news: The zero p.c introductory APR interval on the U.S. Financial institution Enterprise Platinum is a number of months longer than what you'll discover on competing playing cards, and that 0% interval applies not simply to purchases, but in addition to steadiness transfers. The dangerous information: It's accessible in solely 26 states the place U.S. Financial institution has a footprint. (Amongst extremely populated states not on the checklist: Florida, Georgia, Michigan, New York, Pennsylvania and Texas.) You gained't get rewards, however should you're trying for lots of respiration room, right here's your card.

  • Beneficial credit score rating
  • Card particulars
    • No annual charge
    • Intro APR interval on Purchases and Steadiness Transfers
    • No rewards
    • Wants glorious credit score

    $ 0

    • APR: 10.99% – 18.99% * Variable APR
    • Money Advance APR: 24.99%, variable

    None

    • 0% introductory APR * on purchases and steadiness transfers for the primary 20 billing cycles
  • Extra data
    • 0% Intro APR * on purchases and steadiness transfers for the primary 20 billing cycles. After that variable APR presently 10.99% – 18.99% *
    • No annual charge *
    • Free worker playing cards
    • Zero fraud legal responsibility * protects you in opposition to unauthorized transactions
    • This product is accessible within the following states: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD , TN, UT, WA, WI, WY
    • View Charges and Charges

Ink Enterprise Limitless℠ Credit score Card

0% intro APR interval on purchases: 12 months

The Ink Enterprise Limitless℠ Credit score Card is a wonderful, no-fuss card for entrepreneurs whose spending doesn’t match neatly into the bonus rewards classes on many enterprise bank cards. You earn 1.5% money again on each buy, and the bonus provide is excellent for a $ 0-annual-fee card: Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening.

  • Beneficial credit score rating
  • Card particulars
    • Excessive rewards charge
    • No annual charge
    • Intro APR interval on purchases
    • Has overseas transaction charge

    $ 0

    • APR: 14.74% – 20.74% variable APR
    • Money Advance APR: 26.49%, variable

    Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening.

    • 0% on purchases for 12 months
  • Extra data
    • Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening
    • Earn limitless 1.5% money again on each buy made for your small business
    • 0% introductory APR for 12 months on purchases
    • Worker playing cards at no further price
    • No Annual Charge

Uncover it® Enterprise Card

0% intro APR interval on purchases: 12 months

The Uncover it® Enterprise Card has rather a lot in widespread with the Ink Enterprise Limitless℠ Credit score Card. It, too, provides 1.5% money again on all purchases, and it has a comparable 0% intro interval. However as an alternative of an upfront money bonus, you get Uncover’s signature bonus provide, which it describes this fashion: “Get an infinite dollar-for-dollar match of all of the money again you earn on the finish of your first yr, robotically. And no restrict to how a lot we'll match. So you could possibly flip $ 350 money again into $ 700 with Cashback Match ™. ”

  • Beneficial credit score rating
  • Card particulars
    • Excessive rewards charge
    • No annual charge
    • No overseas transaction charge

    $ 0

    • APR: 14.49% – 22.49% variable APR
    • Money Advance APR: 26.49%, variable

    Get an infinite dollar-for-dollar match of all of the money again you earn on the finish of your first yr, robotically. And no restrict to how a lot we'll match. So you could possibly flip $ 350 money again into $ 700 with Cashback Match ™.

    • 0% on purchases for 12 months
  • Extra data
    • INTRO OFFER: Get an infinite dollar-for-dollar match of all of the money again you earn on the finish of your first yr, robotically. And no restrict to how a lot we'll match. So you could possibly flip $ 350 money again into $ 700 with Cashback Match ™.
    • Earn 1.5% money again on each greenback spent on all purchases.
    • Redeem your money again for any quantity, any time. Your rewards by no means expire.
    • Observe enterprise bills. Obtain transactions simply into Quicken, QuickBooks, and Excel.
    • Add as much as 50 free worker playing cards.
    • No annual charge.
    • 100% U.S. based mostly customer support. Speak to an actual particular person at any time, day or night time.
    • Get your free Credit score Scorecard along with your FICO® Credit score Rating, variety of latest inquiries and extra.
    • View Charges and Charges

Ink Enterprise Money℠ Credit score Card

0% intro APR interval on purchases: 12 months

The Ink Enterprise Money℠ Credit score Card offers you bonus money again in widespread enterprise spending classes: 5% again on the primary $ 25,000 in mixed purchases at workplace provide shops and on web, cable and telephone companies every account yr; 2% again on the primary $ 25,000 in mixed purchases at gasoline stations and eating places every account yr; and 1% on different purchases. The bonus is nice, too: Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening.

  • Beneficial credit score rating
  • Card particulars
    • No annual charge
    • Intro APR interval on purchases
    • Excessive rewards charges in sure classes
    • Signal-up bonus
    • Requires good / glorious credit score
    • Spending caps in bonus classes
    • Low rewards charge exterior bonus classes

    $ 0

    • APR: 14.74% – 20.74% variable APR
    • Money Advance APR: 26.49%, variable

    Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening.

    • 0% on purchases for 12 months
  • Extra data
    • Earn $ 500 bonus money again after you spend $ 3,000 on purchases within the first Three months from account opening
    • Earn 5% money again on the primary $ 25,000 spent in mixed purchases at workplace provide shops and on web, cable and telephone companies every account anniversary yr
    • Earn 2% money again on the primary $ 25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary yr
    • Earn 1% money again on all different card purchases with no restrict to the quantity you’ll be able to earn
    • 0% introductory APR for 12 months on purchases
    • Worker playing cards at no further price
    • No Annual Charge

American Categorical® Blue Enterprise Money Card

0% intro APR interval on purchases and steadiness transfers: 12 months

The American Categorical® Blue Enterprise Money Card shines with a zero p.c intro interval that applies not solely to purchases, but in addition to steadiness transfers. As for rewards, you'll earn 2% money again on the primary $ 50,000 in eligible purchases annually and 1% after that. Your rewards are utilized to your assertion robotically. Phrases apply. This card has no bonus provide, although.

  • Beneficial credit score rating
  • Card particulars
    • Excessive rewards charge
    • No annual charge
    • Annual spending cap
    • No welcome provide

    $ 0

    • APR: 14.24% – 20.24% variable APR
    • Penalty APR: 29.99%, variable

    None

    • 0% on purchases and steadiness transfers for 12 months
  • Extra data
    • Earn 2% money again on all eligible purchases on as much as $ 50,000 per calendar yr, then 1%. Money again earned is robotically credited to your assertion.
    • From workflow to stock to ground plans, your small business is consistently altering. That's why you've bought the facility to spend past your credit score restrict with Expanded Shopping for Energy§.
    • Simply bear in mind, the quantity you’ll be able to spend above your credit score restrict just isn’t limitless. It adjusts along with your use of the Card, your cost historical past, credit score report, monetary assets identified to us and different components.
    • 0.0% intro APR on purchases and steadiness transfers for 12 months, then a variable charge, 14.24%, 17.24%, or 20.24%, based mostly in your creditworthiness and different components as decided on the time of account opening.
    • No Annual Charge
    • Phrases Apply

The Blue Enterprise® Plus Credit score Card from American Categorical

0% intro APR interval on purchases and steadiness transfers: 12 months

The Blue Enterprise® Plus Credit score Card from American Categorical is a digital twin of the American Categorical® Blue Enterprise Money Card, with a 0% intro interval that applies to each purchases and transfers. The important thing distinction: It earns AmEx Membership Rewards factors reasonably than money again: 2 factors per greenback on as much as $ 50,000 in eligible purchases annually, and 1 level per greenback after that. Phrases apply.

  • Beneficial credit score rating
  • Card particulars
    • Excessive rewards charge
    • No annual charge

    $ 0

    • APR: 14.24% – 20.24% variable APR
    • Penalty APR: 29.99%, variable

    None

    • 0% on Purchases and Steadiness Transfers for 12 months from date of account opening
  • Extra data
    • Get rewarded for enterprise as regular. Earn 2X Membership Rewards® factors on on a regular basis enterprise purchases resembling workplace provides or consumer dinners.
    • 2X applies to the primary $ 50,000 in purchases per yr, 1 level per greenback thereafter.
    • Benefit from the flexibility to place extra purchases on the Card and earn rewards whenever you purchase above your credit score restrict *.
    • You’ve bought the facility to make use of your Card past its credit score restrict * with Expanded Shopping for Energy.
    • Extra shopping for energy for your small business means extra alternatives to earn factors. That's on a regular basis enterprise with the Blue Enterprise Plus Card.
    • * The quantity you’ll be able to spend above your credit score restrict just isn’t limitless. It adjusts along with your use of the Card, your cost historical past, credit score report, monetary assets identified to us, and different components.
    • 0.0% intro APR on purchases and steadiness transfers for 12 months from the date of account opening, then a variable charge, 14.24% – 20.24%, based mostly in your creditworthiness and different components as decided on the time of account opening.
    • No Annual Charge
    • Phrases Apply

Different choices

A number of playing cards provide 0% intro APR intervals of lower than a yr. For the playing cards under, the 0% interval applies solely to purchases, not steadiness transfers. All of those choices haven’t any annual charge.


To view charges and costs of the American Categorical® Blue Enterprise Money Card, please go to this web page.

To view charges and costs of The Blue Enterprise® Plus Credit score Card from American Categorical, please go to this web page.

Methodology

NerdWallet’s bank cards workforce selects the perfect playing cards in every class based mostly on general client worth. Components in our analysis embrace charges, promotional and ongoing APRs, and sign-up bonuses; for rewards playing cards, we think about incomes and redemption charges, redemption choices and redemption problem. A single card is eligible to be chosen in a number of classes.

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