Best 0% Business Credit Cards for Funding

Curated by Cameron Gayed, GO Credit Pros — the team that helps business owners access $50K–$100K in 0% funding.

Best Business Credit Cards

These are the cards we use most often to fund our clients. All offer 0% intro APR and have no annual fee.

Chase
★★★★4.8

Ink Business Unlimited® Credit Card

$750 bonus cash back after you spend $6,000 on purchases in the first 3 months

Earn unlimited 1.5% cash back on every purchase made for your business

Intro APR
0% Intro APR on Purchases for 12 months
Regular APR
16.74% - 24.74% Variable
Annual Fee
$0
Best For
Simple, unlimited cash back on all business spending
Apply Now →Direct application via Chase
Chase
★★★★4.8

Ink Business Cash® Credit Card

$750 when you spend $6,000 on purchases in the first 3 months

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 year

Intro APR
0% Intro APR on Purchases for 12 months
Regular APR
16.74% - 24.74% Variable
Annual Fee
$0
Best For
Maximizing cash back on office expenses and utilities
Apply Now →Direct application via Chase
American Express
★★★★4.5

The American Express Blue Business Cash™ Card

$250 statement credit after you make $3,000 in purchases in the first 3 months

Earn 2% cash back on all eligible purchases on the first $50,000 per year, then 1%

Intro APR
0% on purchases for 12 months from date of account opening
Regular APR
16.74% - 28.49% Variable
Annual Fee
No annual fee
Best For
Higher cash back rate on everyday business spending
Apply Now →Direct application via American Express
Wells Fargo
★★★★4.6

Wells Fargo Signify Business Cash® Card

$500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months

Earn unlimited 2% cash rewards on purchases for your business

Intro APR
0% intro APR for 12 months from account opening
Regular APR
16.74% - 24.74% Variable APR
Annual Fee
$0
Best For
Straightforward 2% cash back with a solid welcome bonus
Apply Now →Direct application via Wells Fargo
Bank of America
★★★★4.6

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®

$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days

Earn unlimited 1.5% cash back on purchases, or up to 2.625% with Preferred Rewards

Intro APR
0% for 7 billing cycles
Regular APR
16.74% - 26.74% Variable APR
Annual Fee
$0
Best For
Bank of America clients who can boost rewards with Preferred Rewards
Apply Now →Direct application via Bank of America

Best Personal 0% APR Cards

Personal cards with 0% intro APR that can supplement your business funding strategy or refinance existing debt.

Chase
★★★★4.7

Chase Freedom Unlimited®

$200 Bonus after you spend $500 on purchases in your first 3 months

Earn unlimited 1.5% cash back on all purchases, plus 3% on dining and drugstores, 5% on travel through Chase

Intro APR
0% Intro APR on Purchases and Balance Transfers for 15 months
Regular APR
18.24% - 27.74% Variable
Annual Fee
$0
Best For
Versatile personal card with strong welcome bonus
Apply Now →Direct application via Chase
Citi
★★★★4.8

Citi® Diamond Preferred® Card

No current welcome bonus — focus is on the longest 0% intro APR

No rewards program — this card is designed for balance transfers and 0% financing

Intro APR
0% Intro APR on balance transfers for 21 months and on purchases for 12 months
Regular APR
16.49% - 27.24% Variable
Annual Fee
$0
Best For
Longest 0% intro period — ideal for refinancing existing debt
Apply Now →Direct application via Citi
Wells Fargo
★★★★4.5

Wells Fargo Reflect® Card

No welcome bonus — designed for 0% financing

No rewards — focus is on the extended 0% intro APR period

Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Annual Fee
$0
Best For
Maximum time to pay off balances with no interest
Apply Now →Direct application via Wells Fargo
Capital One
★★★★4.5

Capital One Quicksilver Cash Rewards Credit Card

Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Earn unlimited 1.5% cash back on every purchase, every day

Intro APR
0% intro on purchases for 15 months
Regular APR
18.49% - 28.49% (Variable)
Annual Fee
$0
Best For
Simple cash back with 0% intro APR
Apply Now →Direct application via Capital One

Best Balance Transfer Cards

Move high-interest debt to a 0% APR card and save on interest payments.

Discover
★★★★4.6

Discover it® Chrome

Discover will match all the cash back you've earned at the end of your first year

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter

Intro APR
0% Intro APR on balance transfers for 18 months
Regular APR
17.49% - 26.49% Variable APR
Annual Fee
$0
Best For
Balance transfers with cash back rewards
Apply Now →Direct application via Discover
Bank of America
★★★★4.8

Bank of America® Customized Cash Rewards credit card

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days

Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs, 1% on all other purchases

Intro APR
0% Intro APR for 15 billing cycles for purchases and balance transfers
Regular APR
17.49% - 27.49% Variable APR
Annual Fee
$0
Best For
Customizable category bonus with balance transfer option
Apply Now →Direct application via Bank of America

Best Travel Rewards Cards

Earn points and miles on your business spending for travel rewards.

Chase
★★★★4.8

Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months

Earn 5x points on travel purchased through Chase, 3x on dining, 2x on all other travel

Intro APR
No 0% intro APR — this is a rewards-focused card
Regular APR
21.49% - 28.49% Variable
Annual Fee
$95
Best For
Frequent travelers who want maximum point value
Apply Now →Direct application via Chase

Best Cash Back Cards

Earn cash back on every purchase to maximize your business spending.

Citi
★★★★4.8

Citi Double Cash® Card

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months

Earn 2% on every purchase — 1% when you buy, 1% when you pay

Intro APR
0% for 18 months on Balance Transfers
Regular APR
17.49% - 27.49% (Variable)
Annual Fee
$0
Best For
Highest flat-rate cash back with no category restrictions
Apply Now →Direct application via Citi

Best Premium Rewards Cards

Premium cards with strong welcome bonuses and rewards for higher spend levels.

American Express
★★★★4.4

Blue Cash Everyday® Card

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases on up to $6,000 per year in purchases for each category, then 1%

Intro APR
0% Intro APR for 15 months
Regular APR
18.49% - 29.49% Variable
Annual Fee
$0
Best For
Everyday spending with no annual fee
Apply Now →Direct application via American Express

Best Premium Travel Cards

Premium travel cards with lounge access, credits, and elevated rewards.

Capital One
★★★★4.5

Capital One Venture® Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Earn unlimited 2X miles on every purchase, every day

Intro APR
No 0% intro APR — this is a rewards-focused card
Regular APR
19.24% - 29.24% Variable
Annual Fee
$95
Best For
Simple travel rewards with flexible redemption
Apply Now →Direct application via Capital One
Capital One
★★★★4.7

Capital One Venture X® Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

Earn 10X miles on hotels and rental cars through Capital One Travel, 5X on flights, 2X on all other purchases

Intro APR
No 0% intro APR — this is a premium rewards card
Regular APR
19.24% - 29.24% Variable
Annual Fee
$395
Best For
Premium travel rewards with airport lounge access
Apply Now →Direct application via Capital One
American Express
★★★★4.6

American Express® Gold Card

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months

Earn 4X points at restaurants worldwide, 4X at U.S. supermarkets (on up to $25,000 per year), 3X on flights booked directly with airlines or on amextravel.com

Intro APR
See Pay Over Time APR
Regular APR
See Pay Over Time APR
Annual Fee
$250
Best For
Dining and grocery rewards with premium benefits
Apply Now →Direct application via American Express
Wells Fargo
★★★★4.5

Wells Fargo Autograph℠ Card

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans

Intro APR
0% intro APR for 12 months from account opening on purchases
Regular APR
19.49%, 24.49%, or 29.49% Variable APR
Annual Fee
$0
Best For
No annual fee with broad 3X categories
Apply Now →Direct application via Wells Fargo
Discover
★★★★4.4

Discover it® Miles

Discover will match all the miles you've earned at the end of your first year

Earn unlimited 1.5x miles on every dollar you spend on purchases

Intro APR
0% Intro APR on purchases for 15 months
Regular APR
17.49% - 27.49% Variable
Annual Fee
$0
Best For
Simple miles earning with first-year match
Apply Now →Direct application via Discover
Chase
★★★★4.8

Chase Sapphire Reserve®

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 3X points on travel immediately after earning your $300 travel credit, 3X on dining, 1X on all other purchases

Intro APR
No 0% intro APR — this is a premium rewards card
Regular APR
22.49% - 29.49% Variable
Annual Fee
$550
Best For
Premium travel rewards with $300 travel credit
Apply Now →Direct application via Chase
U.S. Bank
★★★★4.5

U.S. Bank Smartly™ Visa Signature® Card

Earn a $250 bonus after making $2,000 in eligible net purchases within the first 120 days of account opening

Earn 2X - 5X points on categories you choose, 1X on all other purchases

Intro APR
0% Intro APR on purchases and balance transfers for 12 billing cycles
Regular APR
19.49% - 29.49% Variable
Annual Fee
$0
Best For
Customizable rewards categories with no annual fee
Apply Now →Direct application via U.S. Bank
Citi
★★★★4.7

Citi Strata Premier℠ Card

Earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months

Earn 10X points on hotels, car rentals, and attractions booked through CitiTravel.com, 3X on air travel and other hotels, 3X on dining, 3X on supermarkets, 1X on all other purchases

Intro APR
No 0% intro APR — this is a rewards-focused card
Regular APR
19.24% - 29.24% Variable
Annual Fee
$95
Best For
Travel and everyday spending rewards
Apply Now →Direct application via Citi
Bank of America
★★★★4.4

Bank of America® Travel Rewards Credit Card

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days

Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees

Intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
18.49% - 28.49% Variable
Annual Fee
$0
Best For
No annual fee travel rewards with no foreign transaction fees
Apply Now →Direct application via Bank of America

Want Us to Handle the Applications?

Most of our clients qualify for 3–5 cards and $50K–$100K in total 0% funding. We know exactly how to structure each application for the highest approval odds.

How We Choose These Cards

Every card on this page has been used to fund real GO Credit Pros clients. We evaluate:

  • Approval odds for business owners with 700+ credit scores
  • Credit limits our clients typically receive ($10K–$50K+ per card)
  • 0% intro period length — longer means more time to deploy capital
  • Post-intro APR in case a balance remains after the promo period
  • Rewards structure — cash back on business spending is a bonus

Last updated: May 2026. Offers change frequently; terms may vary.

Frequently Asked Questions

Can I apply for multiple cards at once?

Yes — most of our clients apply for 3–5 cards in a structured sequence. We space applications 30–60 days apart to minimize credit impact and maximize approval odds.

How much can I realistically get approved for?

With a 720+ credit score and $100K+ annual revenue, most clients qualify for $10K–$50K per card. Stacking 3–5 cards typically yields $50K–$100K+ in total 0% funding.

Will this hurt my credit score?

Each application triggers a hard inquiry (usually 5–10 point temporary dip). However, responsible use increases your total available credit, which can improve your credit utilization ratio and raise your score over time.

What happens after the 0% period ends?

Any remaining balance accrues interest at the standard APR (typically 16–28%). We recommend having a payoff plan or refinancing strategy before the intro period expires.

Do I need an LLC or corporation?

Most business cards require a formal business structure (LLC, Corp, or Sole Proprietorship with a DBA). If you're just starting out, we can help you structure your business correctly before applying.

Advertiser Disclosure: GO Credit Pros is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. GO Credit Pros does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.

We believe everyone should be able to make financial decisions with confidence. GO Credit Pros has partnered with CardRatings for our coverage of credit card products. GO Credit Pros and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

To that end, you should know that many or all of the companies featured here are partners who advertise with us. Our relationships with these partners do not affect our recommendations.