The 5 best 0% APR business credit cards for July 2025

Zero percent APR business credit cards provide access to credit without charging interest, typically offering an introductory period where you pay no interest on purchases, balance transfers, or both. During this promotional period, which can range from 12 to 18 months, you only need to make minimum monthly payments without accruing interest charges on your balance.

Besides this promotional period, these cards are the same as traditional business credit cards. You'll still need to meet credit requirements, maintain good payment history, and stay within your credit limit. The key difference is that during the 0% APR period, any carried balance won't generate interest charges, effectively giving your business an interest-free loan.

Once the promotional period ends, the card's regular APR takes effect on your remaining balance. This standard interest rate can range from 15% to 30%, depending on your creditworthiness and the specific card terms. To maximize the benefit, businesses should aim to pay off their balance before the promotional period expires.

While both 0% APR and no-APR business cards offer interest-free borrowing, there are key differences between the two that can impact your financing strategy. The most important differentiator between each option is that with a 0% business credit card, your business can carry a balance from month to month, while with a no-APR card, your balance must be repaid at the end of each month or billing period.

Zero percent APR business credit cards come with promotional periods during which interest charges are temporarily waived, sometimes for up to 18 months. That means you can carry a balance from month to month without accruing interest, but once it ends, the card reverts to its standard APR. These cards often come with additional perks like rewards programs and business-focused benefits.

On the other hand, no-APR business credit cards are charge cards that require you to pay your balance in full each billing cycle. Since you can’t carry a balance month to month, there's no APR. While this eliminates interest concerns entirely, it also means less payment flexibility since you must repay purchases within the billing period.

A no-APR business credit card, or a charge card, works best for businesses with predictable cash flow and disciplined payment habits. While companies can’t carry a balance with this card, the requirement to pay your full balance each month can benefit certain business models and financial strategies.

No-APR cards make the most sense when your company generates strong monthly cash flow that consistently exceeds expenses. For instance, consider a consulting firm that receives regular client retainers each month. This business can use a charge card for office supplies, travel expenses, and new equipment, then pay the full balance when client payments arrive. The predictable income stream makes the monthly payment requirement manageable while eliminating any risk of accumulating interest charges.

These cards also work well for companies with a high volume of business expenses but reliable reimbursement schedules. A marketing agency that spends $15,000 monthly on advertising campaigns for clients can charge these expenses to a no-APR card knowing they'll receive client reimbursements within 30 days, allowing them to earn corporate card rewards or cashback without carrying debt.

Business owners can also prefer the discipline that charge cards require to avoid accumulating debt. For example, a restaurant owner might use a no-APR card for weekly food inventory purchases, ensuring they don’t carry expensive debt that could strain tight profit margins.

Nonetheless, 0% APR cards are more valuable for businesses with seasonal cash flow patterns or large one-time expenses. A landscaping company needing new equipment before summer could purchase $20,000 in equipment and spread payments over 15 months interest-free, aligning their payment schedule with their revenue cycle.

As your business considers 0% APR and no-APR business credit cards, consider these options.

1. Brex card

The Brex corporate card is a no-APR charge card that enables businesses to control and monitor spend through AI-powered expense policies and robust approval flows. The Brex card seamlessly integrates with the Brex spend management software, giving businesses access to automated bill pay, accounting automation software, startup banking, and other features along with a global card. As a charge card, balances on the Brex card can’t be carried from one billing period to the next.

Details

• Annual fee: $0
• APR after promotional period: N/A
• Minimum credit score requirement: No personal credit check required
• Typical spending limit range: Up to 20x higher than traditional cards, based on cash balance and revenue

Key benefits

• No APR: Since the Brex card operates as a charge card requiring full payment each month, there are no interest charges. This eliminates the risk of accumulating costly debt while providing access to credit for business expenses.
• Robust rewards: Brex offers rewards for all business spending, plus multipliers on business-focused categories like software subscriptions, rideshares, and travel, going beyond traditional corporate credit card programs that typically emphasize only travel rewards. The program provides flexible redemption options, including cash back, statement credits, gift cards, and other business perks like billboards and offsite planning, with many options offering greater value than standard cash back.
• Integrated expense policies: With the Brex corporate card, businesses can embed custom expense policies into each card, restricting spending on nearly any parameter, including department, amount, location, and employee. Spend policies are enforced in real time, barring out-of-policy transactions before they happen, which reduces the need for manual oversight and accelerates expense reviews.
• High credit limits: Businesses can access credit limits that are 10-20x higher than traditional business credit cards with the Brex card. Brex determines credit access based on cash flow and other business metrics, which helps make it one of the best high limit business credit cards. Businesses needing even higher credit limits can bank through Brex, which can give you access to credit limits that are up to 40x higher than traditional business credit cards.
• Automated expense reports: Brex AI automatically reviews each transaction on a Brex card while matching expenses with outstanding receipts and categorizing them. In-policy expenses are automatically approved while anomalous transactions are flagged for manual review, automating expense reporting and freeing up time for managers.
• No annual fee: Businesses can access the Brex card and its expense management platform for no annual fee. And while other vendors strictly limit businesses on free plans, with Brex, businesses still get access to 24/7 customer service along with AI-powered custom rules, travel booking, reimbursements, and bill pay.
• Accounting automation: The Brex card enables businesses to streamline the month-end close through automatic expense reconciliation and categorization. Expenses can automatically sync with your ERP and general ledger, ensuring that all of your financial records are accurate and up to date.

Who this card is best for

The Brex card is best for growing and established businesses that are looking to access high credit limits while maintaining control over their spend. Regardless of credit access, businesses can monitor cash flow through AI-powered expense management tools and a unified platform that integrates accounting, travel, bill pay, and banking into one interface. The Brex card is especially useful for founders and business owners looking to separate their personal credit from their business while paying off balances at the end of each billing cycle.

2. Wells Fargo Signify Business Cash

The Wells Fargo Signify Business Cash card offers a 0% introductory APR on purchases for the first 12 months, making it a good option for businesses looking to finance purchases without immediate interest charges. This card combines the promotional financing benefits with ongoing cash back rewards, providing value both during and after the introductory period.

Details

• Annual fee: $0
• APR after promotional period: 17.49% to 25.49%
• Minimum credit score requirement: Not disclosed
• Typical spending limit range: Varies

Key benefits

• 0% APR for 12-month promotional period
• No annual fee
• Earn 1.5% cash back on all purchases
• Integrates with Wells Fargo banking

Who this card is best for

The Wells Fargo Signify Business Cash card is best for businesses that already bank with Wells Fargo and who may be looking to finance a purchase and repay the balance within 12 months.

3. Valley Bank Visa Secured Business Credit Card

The Valley Bank Visa Secured Business Credit Card provides businesses with limited or poor credit history access to credit while offering a 0% introductory APR on purchases for the first six months. This card requires a refundable security deposit of 110% of your desired credit limit, up to $25,000, which determines your available credit.

Details

• Annual fee: $0
• APR after promotional period: 15.70% to 27.25%
• Minimum credit score requirement: Not disclosed
• Typical spending limit range: $25,000

Key benefits

• 0% APR through six-month promotional period
• 1% cash back on all purchases
• No annual fee
• Build business credit

Who this card is best for

The Valley Bank Visa Secured Business Credit Card is best for new businesses that lack established credit history and need short-term financing flexibility. Business owners rebuilding credit after financial difficulties can use this card as a stepping stone while taking advantage of interest-free financing.

4. U.S. Bank Business Platinum Card

The U.S. Bank Business Platinum Card offers a 0% introductory APR period on both purchases and balance transfers for the first 12 months.

Details

• Annual fee: $0
• APR after promotional period: 16.99% to 25.99%
• Minimum credit score requirement: Typically 700 and above
• Typical spending limit range: Varies

Key benefits

• No annual fee
• Balance transfer capability
• Integrated card controls
• Longer repayment terms with ExtendPay plan

Who this card is best for

The U.S. Bank Business Platinum Card works best for established businesses with good credit that need substantial financing flexibility without annual fees. Companies planning major equipment investments or inventory purchases within their first year of card ownership can maximize the 12-month promotional window, while the ExtendPay feature provides additional payment flexibility for larger expenses beyond the initial offer period.

5. Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash® Credit Card offers a 0% introductory APR on purchases for the first 12 months and includes category-based cash back rewards. This card requires good to excellent credit.

Details

• Annual fee: $0
• APR after promotional period: 17.49% to 25.49%
• Minimum credit score requirement: Typically 670+
• Typical spending limit range: $5,000-$25,000

Key benefits

• 0% intro APR for 12 months
• No annual fee
• Category-based cash back rewards
• Reports to the major business credit bureaus

Who this card is best for

The Chase Ink Business Cash Credit Card works for small businesses that spend regularly in the specific bonus categories and that can benefit from the 12-month promotional period.

To qualify for a 0% APR business credit card, applicants often need to meet both personal and business credit requirements, as most issuers evaluate applications based on the business owner's creditworthiness alongside the company's financial profile. Personal credit scores often need to be in the good to excellent range, usually 670 or higher, since owners typically provide personal guarantees on business credit cards.

A strong personal credit history demonstrates your ability to manage debt responsibly and gives lenders confidence in offering you a credit line. Similarly, your business needs to demonstrate financial stability and legitimacy through proper documentation and revenue history. Most issuers require businesses to be operating for at least one to two years, though some may accept newer businesses with strong revenue or substantial business cash balances.

Providers will also need your business's legal name, tax identification number, industry type, and annual revenue figures. If you haven't already, you should open a business bank account to establish proper separation between personal and business finances, as having this distinction along with proper business registration can significantly strengthen your application.

Revenue requirements vary by issuer, but many expect businesses to show consistent revenue streams that can support the credit limit and monthly payments. Some cards require minimum annual revenues of $50,000 or more, while others may be more flexible for smaller businesses with strong credit profiles. Lenders can also consider your debt-to-income ratio and existing debt obligations when determining approval and promotional terms.

When you’re applying for a business credit card, you’ll need to be sure your personal credit reports are accurate and address any errors. Collect business financial documents, including tax returns, bank statements, and revenue records, as providers will often request it. Consider starting with existing banking relationships, as some banks offer preferential terms to current business customers.

While many business credit cards require personal credit and personal guarantees, there are no-APR cards that rely on business performance rather than personal finances to evaluate applicants. The best business credit cards with no personal guarantee can help separate your personal financial health from your business, allowing your company to establish its own credit profile and history without tying your personal creditworthiness to business financial decisions.

This separation is advantageous for business owners who want to protect their personal assets and credit standing. When you avoid personal guarantees, business debt remains separate from your personal finances, ensuring business challenges don’t impact your personal credit score or make you personally liable for company debt. This protection is particularly valuable for businesses in volatile industries or those taking calculated risks for growth opportunities.

No-APR cards that evaluate based on business performance also offer credit limits that align with actual business needs and capabilities. Corporate card providers such as Brex consider a business's revenue, cash reserves, and operations to determine eligibility rather than limiting credit based on personal income or credit history. This can allow your credit limit to reflect your business's true potential and grow with your company as revenue and cash flow increase.

The business-focused underwriting approach allows businesses to access EIN only business credit cards. It can also benefit both established companies with strong revenue streams and owners who may have personal credit challenges, whether from past financial difficulties, limited personal credit history, or simply a preference to keep business and personal finances separate.

Paying business credit cards monthly is a best practice for maintaining healthy business finances, even when you have access to 0% APR promotional periods. Regular monthly payments help establish a positive payment history with credit bureaus, strengthening your business credit profile and leading to better financing terms in the future.

Monthly payments become essential once promotional 0% APR periods end, as carrying balances on business credit cards with standard interest rates can quickly become expensive. These costs can significantly impact your business's profitability and cash flow, making monthly payments a critical component of financial management.

Even during 0% APR periods, making regular payments provides strategic advantages beyond avoiding interest charges. Paying down balances monthly preserves your available credit for unexpected expenses or opportunities, maintaining financial flexibility. This approach also helps you avoid the trap of treating promotional periods as free money, which can lead to overspending and financial stress when the promotional rate expires.

For business charge cards with no-APR structures, monthly payments are required rather than optional. These cards demand full balance payment each billing cycle, which can actually benefit businesses by enforcing disciplined spending habits and preventing debt accumulation. The forced monthly payment schedule helps businesses maintain better cash flow management and ensures that credit card expenses align with monthly revenue cycles.

Brex offers the best business credit card for businesses looking for a card with no APR. As a charge card, the Brex card must be repaid in full each month, which ensures businesses are diligent about repaying their debts and don’t have to pay interest on any outstanding balances.

What separates the Brex card from other business credit cards are the credit limits businesses can access as well as the AI-powered expense management software that is integrated into the Brex card. The Brex card gives businesses access to credit limits that reflect their business performance while giving businesses control over all of their corporate spend, from employee expense reimbursements to accounts payable.

Those credit limits and controls can be crucial for growing startups, just as they were for Limelight Steel, a startup focused on decarbonizing the steelmaking process. Limelight was bogged down with manual expense approvals, and employees were sharing one card for expenses, making it impossible to track spending by employee or project. The startup ultimately chose Brex for its unified platform and robust automations.

“As a hard tech startup, we have a lot of equipment and supplies to buy all the time, and Brex offered us a substantially higher credit limit. That was really valuable for us and showed that Brex could flex with our business as a true partner,” said Nishant Karandikar, Limelight Steel’s Strategy and Operations Lead. “We’re saving around 30 hours per month on expense reports and reviews alone. Brex's custom accounting rules — auto-mapping spend limits and vendors to GL accounts and classes — have also lightened our lift to manage end-of-month categorizations, not only for our internal books but for the grant compliance documents we prepare for the federal government.”

Sign up for Brex today to join Limelight Steel and 30,000+ global businesses taking advantage of the best no-APR card available.