Guide

Business credit cards with a 0% intro APR, and how to use one without carrying debt

Last updated: October 18, 2026

As of October 2026, three of the four business cards we cover show a 0% intro APR on purchases on the issuer's own page: Ink Business Cash, Ink Business Unlimited and the Blue Business Cash Card. All three also list a $0 annual fee. An intro rate is temporary, so plan the payoff first and check the issuer.^[1]^[2]^[3]

Which business cards on this site have a 0% intro APR?

We cover four business cards. Here is what each issuer's page showed when we checked it in October 2026. We quote the wording so you can see exactly what was offered. Offers change, and the one you see may be different.

Intro APR and annual fee for the four business cards we cover, as shown on each issuer's page in October 2026; confirm current terms with the issuer
Card	Intro APR on the issuer's page (as of October 2026)	Annual fee on the issuer's page
Ink Business Cash	"0% intro APR for 12 months from account opening on purchases" (Chase)^[1]	$0
Ink Business Unlimited	"0% intro APR for 12 months from account opening on purchases" (Chase)^[2]	$0
Blue Business Cash Card	"0% introductory APR for the first 12 months from the date of account opening" on purchases (American Express rates and fees)^[3]	$0
Ink Business Preferred	No intro APR shown^[4]	Has an annual fee (our $1–$99 band)

After each intro period, a variable APR applies. The issuers list a range that depends on your credit, so we don't repeat it here. This table only covers the cards on our site. It is not a list of every business card with an intro offer. Check the issuer before you apply.^[3]

How does a 0% intro APR work?

An introductory APR is a lower rate that an issuer gives new cardmembers for a set time after the account opens. With a 0% rate on purchases, you aren't charged interest on those purchases during that time, as long as you follow the card's terms.^[1]

It applies to certain transactions. An intro rate can cover purchases, balance transfers or both. The offers quoted above are for purchases.^[6]
It ends on a date. When the intro period is over, the regular APR applies to whatever balance is left and to new purchases. Chase says your monthly statement should show when the promotional window ends.^[7]
You still owe a monthly payment. A 0% rate doesn't pause your bill. Chase's terms for both Ink cards say it will end the intro APR if you miss a required minimum payment. American Express says a penalty APR ends any intro APR.^[5]^[8]^[3]

Is a 0% intro APR free money?

No. A 0% period pushes interest back; it doesn't make the debt smaller. Every dollar you charge still has to be repaid, and anything left when the intro ends starts costing interest at the regular rate.

Think of it as a short, planned payment schedule. Chase's own guidance on intro rates describes budgeting to pay off a large purchase before the intro period ends. That's the only way we suggest using one. If you can't name the purchase and the month it will be paid off, the intro rate isn't helping you.^[6]

What are the risks of carrying a balance on a business card?

Losing the intro rate early. A missed minimum payment can end the 0% rate on the Ink cards. On the Blue Business Cash Card, Amex lists a returned payment, two late payments in 12 billing periods, or an unpaid minimum by the closing date as triggers for a penalty APR, which also ends any intro APR.^[5]^[3]
A bigger bill later. Once the regular rate starts, Chase notes that your minimum payment may rise, because it often includes part of the interest you owe.^[7]
It's personal. A personal guarantee is standard on the business cards we cover. If the business can't pay, you may be responsible.
Rewards don't cover interest. Interest on a carried balance can quickly cost more than any cash back you earn.

If you pay in full every month, does a 0% intro APR matter?

Usually not for everyday spending. Both Chase's Ink pricing terms and Amex's rates and fees say you won't be charged interest on purchases when you pay your entire balance by the due date each month. If that is already your habit, you avoid purchase interest with or without an intro offer.^[5]^[3]

Where it can matter is one planned expense, such as equipment, that you pay off in set monthly amounts before the intro period ends. For everything else, compare cards on fees, how they earn and how simple the rewards are.

What about no-annual-fee business cards?

The three cards with intro offers are also the business cards in our $0 annual fee band:

Ink Business Cash: higher cash back at office supply stores, on internet, cable and phone, and at gas stations and restaurants, with caps; 1% on other purchases.
Ink Business Unlimited: a flat rate of about 1.5% on business purchases.
Blue Business Cash Card: about 2% on eligible purchases up to a yearly spending cap, then 1%.

Ink Business Preferred charges an annual fee and earns transferable points. See our no-annual-fee business cards page to compare them side by side.

How can you use a 0% intro period without carrying debt?

Start with the purchase, not the card. Only use the intro for something the business already needs.
Write down the payoff plan. Divide the amount by the months left in the intro and round up. That is your monthly target, not the minimum.
Turn on autopay for at least the minimum, so one missed payment doesn't end the intro rate. Then pay your target amount each month.
Put the end date on your calendar. Check your statement for it.
Keep other spending paid in full each month so the planned balance is the only one.
Go back to paying in full once the planned balance is gone.

Frequently asked questions

Does the 0% intro APR apply to balance transfers?

The intro offers we quote above are for purchases. Chase's Ink terms note the account may not be eligible for balance transfers. Amex lists a balance transfer fee and a 60-day window from account opening for eligible transfers. Check the issuer for current terms.^[5]^[3]

Will the intro period be the same when I apply?

Not necessarily. Intro rates and lengths change, and the issuer shows the terms that apply to you when you apply. The figures here are quotes from October 2026.

Can I get the intro APR if I've had the card before?

Amex says you may not be eligible for the intro APR offer on the Blue Business Cash Card if you have or have had the card. Check each issuer's terms.^[3]

Do these cards charge an annual fee?

As of October 2026, Chase lists a $0 annual fee for Ink Business Cash and Ink Business Unlimited, and Amex lists $0 for the Blue Business Cash Card. Fees can change, so check the issuer. Approval isn't guaranteed.^[1]^[2]^[3]

Before you apply: Credit Cards for Rewards may earn a commission when you apply through links on this site; see our affiliate disclosure. Rates, intro offers and fees change, so confirm every term with the issuer. Approval isn't guaranteed. We encourage paying your balance in full every month.

Sources

Sources for the facts referenced above. Terms and figures can change; check the source for the latest version.

Chase: Ink Business Cash Credit Card, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: Ink Business Unlimited Credit Card, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
American Express: Blue Business Cash Card rates and fees, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: Ink Business Preferred Credit Card, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: Ink Business Cash pricing and terms, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: Credit card introductory APR, explained, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: What happens when your intro APR period ends?, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)
Chase: Ink Business Unlimited pricing and terms, Issuer page; checked 2026-10-18 (re-fetched by the Fact Checker, HTTP 200; see traffic-review-2026-10-18.md)

Disclaimer

This guide is for educational purposes only. It is not financial, credit, legal, or tax advice, and it is not an offer or solicitation for any specific credit card. Credit-card products, rewards rates, fees, and welcome offers change; eligibility depends on the issuer’s criteria. Always verify current terms directly with the issuer before you apply, and make decisions based on your own budget and goals. See our affiliate disclosure and privacy policy for how this site works.

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