No interest for 12-18 months. Finance your business growth without paying a dime in interest during the intro period.
A 0% APR business credit card offers an introductory period (typically 12-18 months) where you pay zero interest on purchases and sometimes balance transfers.
This is one of the most cost-effective financing options available — allowing you to borrow up to $100K and pay it back over 12-18 months without any interest charges. After the intro period ends, standard APR (typically 15-25%) applies to any remaining balance.
Perfect For:
💡 Pro Tip:
If you can pay off the balance before the intro period ends, you essentially get a free loan. Many of our clients use 0% cards strategically to fund growth without paying interest.
Have Good Credit? You Likely Qualify!
We partner with all major card issuers. If you have a 700+ credit score and have been in business for at least a year, we can likely get you approved.
Check Your Eligibility — FreeComplete our quick application. We'll check your eligibility with multiple card issuers simultaneously.
Review your personalized card offers side-by-side. We'll show you intro periods, limits, and rewards.
Get approved in 24-48 hours and receive your card in 7-10 days. Start using your 0% interest immediately.
⚡ No credit impact to pre-qualify | Get approved in as little as 24 hours
After the intro period (12-18 months), any remaining balance will accrue interest at the standard APR (typically 15-25%). That's why we recommend having a payoff plan before applying.
Yes! Many business owners stack multiple 0% cards to maximize their interest-free funding. We can help you qualify for several cards if you have strong credit and sufficient revenue.
Most business credit cards do a hard pull on your personal credit and may report to personal bureaus. However, if managed responsibly, this can actually improve your credit score over time.
Some cards have annual fees (typically $0-$95), while others are fee-free. We'll show you both options. Many fee-based cards offer better rewards that offset the annual cost.
Many 0% business cards allow balance transfers from other business credit cards or loans. This can save you thousands in interest. There's typically a 3-5% balance transfer fee.
Credit limits range from $5,000 to $100,000+ depending on your credit score, revenue, and existing credit profile. Clients with 750+ credit scores and $250K+ revenue typically qualify for $50K-$100K.