Featured Partner Offer
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America Small Business New Account's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3% Cash Back
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cashRead More
Welcome Bonus
$300
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent Credit(750 - 850)
Editorial Review
For business owners who max out the 50k annual spending on the bonus categories, the rewards are substantial for a no-annual-fee card. Preferred Rewards for Business members can make out like a bandit with the 25-75% rewards bonus. The foreign transaction fee means it’s best to keep this card at home when traveling overseas.
Pros & Cons
- Introductory APR offer on purchases
- 3% cashback rate on the spending category of your choice
- Preferred Rewards for Business members earn a 25-75% bonus
- Foreign transaction fee
- 2% and 3% bonus categories have a combined annual spending cap of $50,000
- No intro APR offer for balance transfers
Card Details
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best 0% Intro APR Business Credit Cards of 2024
Best Intro APR Business Card for a Big Welcome Bonus
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
On U.S. Bank's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On U.S. Bank's Website
Up to 5% Cash Back
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash backRead More
Welcome Bonus
$750 cash back
Annual Fee
$0
Regular APR
18.99% - 27.99% Variable
Credit Score
Excellent,Good(700 - 749)
Our Expert Take
The U.S. Bank Business Triple Cash Rewards World EliteMastercard® offers an excellent mix of interest savings, top-tier rewards and annual benefits, making it a solid choice even if you don’t need an intro APR.
Why We Like It
The card offers a decent introductory APR on purchases: 0% intro APR on purchases for the first 12 billing cycles followed by a variable APR of 18.99% – 27.99%. You’ll also earn a massive welcome bonus, especially for a card with no annual fee.
For everyday business expenses, you’ll earn solid rewards on gas, office supply stores, cell phone service providers and restaurants. You can also enjoy an annual $100 credit toward eligible recurring software subscriptions.
What We Don’t Like
The card’s introductory APR period is on the shorter end, and it currently only applies to purchases. If you need a balance transfer intro offer, you’ll need to look elsewhere. Additionally, the card’s base rewards rate is low, so it could make sense to pair it with a card with a higher flat rewards rate on everything else you buy.
Who It’s Best For
Business owners who need a short intro APR period and appreciate the card’s cash back categories will enjoy the U.S. Bank Business Triple Cash Rewards World EliteMastercard®.
Pros & Cons
- No annual fee
- Earn 3% cash back on eligible purchases at gas stations, EV charging stations, office supply stores, cellphone service providers and restaurants.
- Introductory APR on purchases
- Reward categories may not align with how some businesses spend
- Foreign transaction fee
- Balance transfer fee
Card Details
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner’s card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022.
- Terms and conditions apply.
Earn $750 in cash back after spending $6,000 in purchases on the Account Owner's card within 180 days from account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for a Long Introductory APR Offer
U.S. Bank Business Platinum Card
On U.S. Bank's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On U.S. Bank's Website
No Rewards
The U.S. Bank Business Platinum does not offer rewards on purchases.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
17.99% - 26.99% Variable
Credit Score
Excellent,Good(700 - 749)
Our Expert Take
The U.S. Bank Business Platinum Card is an excellent choice if you need an extended introductory APR on purchases, but its long-term value is limited.
Why We Like It
The card offers one of the longest intro APR periods for business credit cards—giving you plenty of time to pay off big purchases. New cardholders get a 0% intro APR on purchases for 18 billing cycles, followed by a variable APR of 17.99% – 26.99%.
There’s also no annual fee, so you don’t need to worry about ongoing costs beyond potential interest once the introductory period ends.
What We Don’t Like
The U.S. Bank Business Platinum Card is sort of a one-trick pony, offering little value beyond its intro APR offer on purchases. What’s more, there’s no intro APR offer for balance transfers.
You won’t get a welcome bonus or rewards on your everyday expenses. There are also few other notable perks.
Who It’s Best For
Business owners whose top priority is interest savings and who may need a little extra time to pay off one or more large purchases should consider the U.S. Bank Business Platinum Card.
Expert Commentary
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Albert Hsieh
Albert Hsieh
Credit Cards and Reward Points Expert
Albert Hsieh is founder and CEO of Foxtrot Dash Inc., a San Francisco-based travel rewards marketplace offering a smart wallet that recommends 30,000 ways to maximize the redemption of hard-earned credit card and travel rewards points. He has proudly redeemed over 30 million reward points, and he and the Foxtrot Dash team boast over three decades of points and miles experience.
Albert has had a lifelong passion for aviation largely sparked by his dad, who retired after 30 years with United Airlines at San Francisco and Oakland. Since childhood, Albert grew fascinated by premium air travel and flew “The Tulip” (the nickname for United's fondly remembered "U" logo) to destinations far and near, with Taiwan, Japan and Egypt ranked as his top favorites.
With an unwavering commitment to the global travel industry, Albert served for 20 years as a commercial and marketing leader at Fortune 500 travel companies including JetBlue, China Airlines, XOJET and Westfield Airports LAX. He later worked as a consultant for Jet Edge, leading a companywide rebrand before their VistaJet acquisition. In recent years, Albert launched his Instagram feed where he captures his global credit card points and airline miles adventures with impeccable photography of luxury airline cabins and beautiful hotels.
His work is regularly featured in social campaigns, and he has drawn mentions in The New York Times and Nob Hill Gazette. On the Money Seed podcast, he has been heard discussing the future of credit card reward points, global travel trends and loyalty programs. When he's not traveling, Albert enjoys life on the West Coast by seeking out new restaurants and world-class wineries, and by spending quality time with loved ones.
Credit Cards and Reward Points Expert
Thanks to its long intro APR offer, business owners with high upfront expenses will find most value from the U.S. Bank Business Platinum Card.
Pros & Cons
- Extra-long introductory APR on purchases
- $0 annual fee
- No reward earning
- No major benefits
- High balance transfer fee
Card Details
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.99% – 26.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World’s Most Ethical Company® – Ethisphere Institute, February 2022.
- Terms and conditions apply.
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for Earning Flexible Rewards
The Blue Business® Plus Credit Card from American Express
On American Express's Website
4.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Welcome Bonus
Earn 15,000 points
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) not only offers a decent intro APR offer on purchases but also provides an opportunity to earn a great rewards rate on your everyday expenses with flexible redemption options.
Why We Like It
The Blue Business® Plus Credit Card from American Express starts with an introductory APR on purchases—although it’s not the longest term: 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate of 18.49% – 26.49% applies. You can earn a nice welcome bonus—but it’s not as high as some other options.
In addition to the new-cardholder incentives, you’ll earn 2 Membership Rewards points per dollar on everyday business purchases such as office supplies or client dinners up to the first $50,000 in purchases per year, then 1 point per dollar on all other purchases. While it’s not technically a travel card, you’ll get the most value from your points by booking flights through Amex Travel or by transferring them to various airline and hotel loyalty program partners.
What We Don’t Like
The card’s intro APR offer is relatively short and doesn’t include balance transfers. And while you can earn a great rewards rate on a good chunk of spending every year, the rewards cap can be a nuisance for businesses that spend far more than $50,000 annually.
Although you can get solid value out of your points by transferring them to various partner loyalty programs, you’ll get less than one cent per point in value for most redemptions with American Express, including cash back, gift cards and even some travel.
Who It’s Best For
The Blue Business® Plus Credit Card from American Express is a good choice for business owners who don’t need a long intro APR period and generally don’t spend more than $50,000 each year in operating expenses.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
For small businesses looking to earn valuable travel rewards at a rapid clip, you can’t go wrong with the Blue Business Plus. Its simplicity means you won’t have to worry about maximizing bonus categories, and it’s also the only small business card that can transfer points to any of Amex’s airline and hotel partners without ever having to pay an annual fee.
Pros & Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
- There’s a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
Card Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for Bonus Cash Back
Ink Business Cash® Credit Card
On Chase Bank USA, NA's Website
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cableRead More
Welcome Bonus
Earn up to $750 bonus cash back
Annual Fee
$0
Regular APR
18.49% - 24.49% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Ink Business Cash® Credit Card offers business owners the one-two punch of an intro APR offer on purchases and an impressive welcome bonus, plus plenty of other ways to maximize your cash back.
Why We Like It
As a new cardholder, you’ll get a decent intro purchase APR: 0% introductory APR on purchases for 12 months, then a standard APR of 18.49% – 24.49% variable applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. The card also offers solid rewards on your everyday purchases, with solid rates on common expenses like internet, cable and phone services, office supply store purchases, gas and dining.
In addition to a massive welcome bonus for a no-annual-fee card, the Ink Business Cash also offers a one-time 10% bonus on your card anniversary for all the cash back you earn during the first year — if you hold the card and open a Chase Business Checking account by November 2024. The multiple redemption options through Chase Travel℠ provide significant versatility to meet your needs.
Finally, the card offers some travel perks, like an auto rental collision damage waiver and basic travel and emergency card services, plus protections like extended warranty and purchase protection.
What We Don’t Like
While the card offers some great rewards rates, your bonus rewards are capped each year. Like most others on our list, the Ink Business Cash only offers an intro APR on purchases — balance transfers aren’t included.
Who It’s Best For
Business owners who spend enough to earn the welcome bonus and whose expenses align with the rewards categories will be glad they chose the Ink Business Cash® Credit Card.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit. But if your regular monthly business expenses are primarily in other categories, you may find the Ink Cash’s sister card, the Ink Business Unlimited, to be a better choice for your needs.
Pros & Cons
- No additional fee for employee cards
- High rewards rates in select bonus categories
- Generous welcome bonus
- High cash advances & balance transfer fees
- Spending cap on bonus categories
- Low rewards rates outside of bonus categories
Card Details
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for Flat Cash Back
The American Express Blue Business Cash™ Card
On American Express's Website
Partner Offer
Rates & Fees / Terms Apply
4.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2% Reward Rate
Earn 2% Cash Back on all eligible purchases on up to $50,000 per calendar year; Earn 1% Cash Back onRead More
Welcome Bonus
Earn $250
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The American Express Blue Business Cash™ Card (Terms apply, see rates & fees) closely resembles its sister card, the The Blue Business® Plus Credit Card from American Express. The two cards offer similar benefits, but instead of points, the Blue Business Cash earns cash-back rewards.
Why We Like It
New cardholders get a 0% intro APR on purchases for 12 months from the date of account opening, then a 18.49% – 26.49% variable APR applies. In addition to its intro APR, the card also offers a solid welcome bonus. What’s more, you’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. If you prefer a simpler approach to rewards, it’s hard to pass up the Blue Business Cash.
The card also provides car rental loss and damage waiver¹, extended warranty² and purchase protections² and other minor convenience benefits.
What We Don’t Like
As with the Blue Business Plus, the biggest drawback with the Blue Business Cash is its cap on the 2% rewards rate. Its intro APR offer is also on the shorter side and doesn’t include balance transfers.
Who It’s Best For
Those looking for cash back who don’t need a long intro APR period and spend less than $50,000 annually can get a lot from The American Express Blue Business Cash™ Card.
Expert Commentary
TJ Porter
Investing Writer
TJ Porter is a freelance writer based in Malden, Massachusetts. He's been covering personal finance for approximately a decade, focusing on topics such as investing, credit and credit cards. His writing has appeared on Credit Karma, Investopedia and Newsweek Vault.
TJ Porter
TJ Porter
Investing Writer
TJ Porter is a freelance writer based in Malden, Massachusetts. He's been covering personal finance for approximately a decade, focusing on topics such as investing, credit and credit cards. His writing has appeared on Credit Karma, Investopedia and Newsweek Vault.
Investing Writer
For companies with moderate spending, the Blue Business Cash offers one of the simplest deals for earning rewards. Businesses earn a strong 2% cash back on purchases without needing to pay an annual fee or remember bonus categories, all while getting other popular Amex perks likevendor payment tools.
Pros & Cons
- No annual fee
- Introductory APR on purchases
- Great extra benefits like purchase protection and car rental insurance
- Business-oriented benefits like employee cards and authorized manager accounts
- Highest-earning cash-back reward capped after $50,000 in annual spending
- High foreign transaction fees
- No low introductory APR for balance transfers
Card Details
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember,the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply.
Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card with Unique Benefits
State Farm Business Cash Rewards Visa Signature® Card *
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3% Reward Rate
Earn 3% cash back on insurance premium payments, up to $4,000 spent annually; 3% cash back at gas and EVRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
19.24% - 28.24% variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
The State Farm Business Cash Rewards Visa Signature® Card* might make sense for small businesses with hefty insurance premiums and not much spending outside of specific categories. But the biggest appeal here is that the intro APR applies to both purchases and balance transfers.
Why We Like It
If you need a balance transfer introductory offer, the State Farm Business Cash Rewards card is one of the only business credit cards that affords that option. You’ll get a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a standard APR of 19.24% – 28.24% variable applies. Balance transfer fee of 3% of the amount of each transfer, $5 min. applies.
The card also offers solid rewards on insurance premiums, gas stations and electric vehicle charging stations, cellphone service providers, office supply stores and on dining. You’ll also enjoy a $100 annual credit on eligible recurring software subscriptions, plus up to $200 in auto insurance deductible reimbursem*nts, if you meet certain requirements.
In addition to no annual fee, the card also charges no foreign transaction fees. Other minor perks include cellphone protection, purchase security and personal identity theft reimbursem*nt.
What We Don’t Like
If you need more time to pay down a large purchase, other cards offer longer intro APR periods. Also, unlike the U.S. Bank Business Triple Cash Rewards World EliteMastercard®, which offers similar rewards rates, this one doesn’t provide a welcome bonus.
Who It’s Best For
The State Farm Business card is a strong contender if you need to pay down high-interest credit card debt from another card or who have significant insurance premiums.
Pros & Cons
- No annual fee
- 3% cash back earned in a variety of categories
- Auto deductible reimbursem*nt up to $200
- No welcome offer
- Limited redemption options
Card Details
- Earn 3% cash back on insurance premium payments, up to $4,000 annually
- Earn 3% cash backat gas and EV stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases
- Earn 1% cash back on all other eligible purchases
- $100annual software subscription credit
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for Preferred Rewards Members
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
On Bank of America Small Business New Account's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3% Cash Back
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cashRead More
Welcome Bonus
$300
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent Credit(750 - 850)
Our Expert Take
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card features a modest welcome bonus, an intro APR offer and a handful of travel benefits. Its most noteworthy feature, however, is the ability to choose your topcash-back category, giving cardholders increased flexibility to earn rewards on non-traditional categories.
Why We Like It
As a new cardholder, you’ll enjoy a brief intro purchase APR: 0% introductory APR on purchases for the first 9 billing cycles, then a 18.49% – 28.49% variable APR thereafter on purchases and balance transfers. A balance transfer fee of 4% of the amount of each transaction applies. You can also earn solid rewards on eligible categories you can change each month. Options include gas stations and EV charging stations, office supply stores, travel, TV, telecom and wireless expenses, computer services and business consulting services.
If you’re a Preferred Rewards for Business member, you can get up to 75% more cash back on every purchase, which can help you accumulate cash back fast.
What We Don’t Like
The intro APR period is rather short and is only good for new purchases. Also, the card’s bonus rewards are capped at a combined $50,000 spent in bonus categories and the base rewards rate is just 1%.
Who It’s Best For
The Business Advantage Customized Cash card will serve businesses who want to choose their own bonus rewards categories and don’t need a long introductory APR.
Pros & Cons
- Introductory APR offer on purchases
- 3% cashback rate on the spending category of your choice
- Preferred Rewards for Business members earn a 25-75% bonus
- Foreign transaction fee
- 2% and 3% bonus categories have a combined annual spending cap of $50,000
- No intro APR offer for balance transfers
Card Details
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Intro APR Business Card for Travel Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
On Bank of America Small Business New Account's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Bank of America Small Business New Account's Website
Up to 3 Points Per $1
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. PointsRead More
Welcome Bonus
30,000 points
Annual Fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
Credit Score
Excellent(750 - 850)
Our Expert Take
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card offers straightforward travel rewards and more redemption flexibility than other travel cards.
Why We Like It
As a new cardholder, you’ll enjoy an above-average welcome bonus and a short intro APR offer on purchases: 0% introductory APR on purchases for the first 9 billing cycles, then a 18.49% – 28.49% variable APR on purchases and balance transfers applies. A balance transfer fee of 4% of the amount of each transaction applies. While the card’s flat-rate reward is lower than some of the other cards on our list, there are no caps. If you’re a Preferred Rewards for Business member, you can also earn up to 75% more points on every purchase.
What’s more, you can redeem your rewards for travel or dining by simply using your card with your preferred merchant and requesting a statement credit. You can also use your points to get cash back or gift cards.
What We Don’t Like
The card’s intro APR offer is only good for new purchases and it’s among the shortest introductory periods on this list.
Additionally, the card offers no opportunities to earn bonus rewards on non-travel expenses, making it less appealing for business owners who want to maximize rewards in everyday spending categories.
Who It’s Best For
This card is best for business owners who are already Bank of America Preferred Rewards members and who are willing to book travel through Bank of America’s Travel Center.
Pros & Cons
- $0 annual fee
- No foreign transaction fees
- 3 points per dollar spent on car, hotel or airline travel booked through the Bank of America® Travel Center and 1.5 points per dollar spent on all other purchases
- Benefits are travel-related only
- Introductory APR period is relatively short
Card Details
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don’t expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 18.49% to 28.49% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Summary of the Best 0% APR Business Credit Cards
Credit Card
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
U.S. Bank Business Platinum Card
The Blue Business® Plus Credit Card from American Express
Ink Business Cash® Credit Card
The American Express Blue Business Cash™ Card
State Farm Business Cash Rewards Visa Signature® Card *
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
U.S. Bank Business Triple Cash Rewards World EliteMastercard®
Best Intro APR Business Card for a Big Welcome Bonus
Excellent,Good
$0
$750 cash back
U.S. Bank Business Platinum Card
Best Intro APR Business Card for a Long Introductory APR Offer
Excellent,Good
$0
N/A
The Blue Business® Plus Credit Card from American Express
Best Intro APR Business Card for Earning Flexible Rewards
Excellent/Good
No annual fee
Earn 15,000 points
Ink Business Cash® Credit Card
Best Intro APR Business Card for Bonus Cash Back
Excellent, Good
$0
Earn up to $750 bonus cash back
The American Express Blue Business Cash™ Card
Best Intro APR Business Card for Flat Cash Back
Excellent/Good
No annual fee
Earn $250
State Farm Business Cash Rewards Visa Signature® Card *
Best Intro APR Business Card with Unique Benefits
Excellent/Good
$0
N/A
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best Intro APR Business Card for Preferred Rewards Members
Excellent Credit
$0
$300
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best Intro APR Business Card for Travel Rewards
Excellent
$0
30,000 points
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn $750 in cash back after spending $6,000 in purchases on the Account Owner's card within 180 days from account opening
N/A
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Earn a$250statement credit after you make$3,000 in purchaseson your Card in your first3months.
N/A
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
