Best 0% APR Business Credit Cards For 2025

Written By

Robin Saks Frankel

Robin Saks FrankelSenior Staff Writer

Senior Staff Writer

Fact Checked by

Jerod MoralesDeputy Credit Cards Editor

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for his growing family. Now, as a dad to four sons, he...

Fact Checked

Jerod Morales

Fact Checked by

Jerod MoralesDeputy Credit Cards Editor

Deputy Credit Cards Editor

& 1 other

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

When you’re a business owner seeking a way to finance a big purchase, a zero can be a hero when that zero is a 0% APR business credit card. A low introductory APR period can give you the extra time you need to pay the bill without incurring additional interest. Peruse our list of the best 0% intro APR business credit cards to find the one that can save the day, or at least save you some money on that big buy.

Show Summary

Best 0% APR Business Credit Cards

The Blue Business® Plus Credit Card from American Express: Best Intro APR Business Card for Earning Flexible Rewards
Ink Business Cash® Credit Card: Best Intro APR Business Card for Bonus Cash Back
Ink Business Unlimited® Credit Card: Best Intro APR Business Card for Pairing With Another Chase Card
U.S. Bank Triple Cash Rewards Visa® Business Card: Best Intro APR Business Card for a Big Welcome Bonus
The American Express Blue Business Cash™ Card: Best Intro APR Business Card for Flat Cash Back
Signify Business Cash℠ Card by Wells Fargo *: Best Intro APR Business Card for Wells Fargo customers
State Farm® Business Cash Rewards Visa Signature® Card *: Best Intro APR Business Card for Balance Transfers
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best Intro APR Business Card for Preferred Rewards Members
U.S. Bank Business Platinum Card: Best Intro APR Business Card for Lengthy Offer

Top Business Cards

Featured Partner Offer

Ink Business Unlimited® Credit Card

On Chase Bank USA, NA’s Website

Rates & Fees

1.5% Reward Rate

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

Welcome Bonus

Earn $750 bonus cash back

Annual Fee

Regular APR

17.49% – 23.49% Variable

Credit Score

Excellent, Good (700 – 749)

Card Details

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Summary of the Best 0% APR Business Credit Cards

CREDIT CARD OUR Rating & DETAILS

Partner Offer

The Blue Business® Plus Credit Card from American Express

On American Express's Website

Rates & Fees / Terms Apply

Welcome Bonus

Earn 15,000 points

Credit Score

Excellent/Good

Annual Fee

No annual fee

Ink Business Cash® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

Welcome Bonus

Earn up to $750 bonus cash back

Credit Score

Excellent, Good

Annual Fee

Ink Business Unlimited® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

Welcome Bonus

Earn $750 bonus cash back

Credit Score

Excellent, Good

Annual Fee

U.S. Bank Triple Cash Rewards Visa® Business Card

On U.S. Bank's Website

Rates & Fees

Welcome Bonus

$750 cash back

Credit Score

Excellent,Good

Annual Fee

Partner Offer

The American Express Blue Business Cash™ Card

On American Express's Website

Rates & Fees / Terms Apply

Welcome Bonus

Earn $250

Credit Score

Excellent/Good

Annual Fee

No annual fee

Signify Business Cash℠ Card by Wells Fargo

Welcome Bonus

$500 bonus

Credit Score

Good, Excellent

Annual Fee

Credit Card

Partner Offer

Rates & Fees / Terms Apply

The Blue Business® Plus Credit Card from American Express

On American Express's Website

Rates & Fees

Ink Business Cash® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

Ink Business Unlimited® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

On U.S. Bank's Website

Partner Offer

Rates & Fees / Terms Apply

The American Express Blue Business Cash™ Card

On American Express's Website

Signify Business Cash℠ Card by Wells Fargo

Credit Card

Our Rating

Annual Fee

Credit Score

Welcome Bonus

Learn More

Partner Offer

Rates & Fees / Terms Apply

The Blue Business® Plus Credit Card from American Express

No annual fee

Excellent/Good

Earn 15,000 points

On American Express's Website

Rates & Fees

Ink Business Cash® Credit Card

Excellent, Good

Earn up to $750 bonus cash back

On Chase Bank USA, NA's Website

Rates & Fees

Ink Business Unlimited® Credit Card

Excellent, Good

Earn $750 bonus cash back

On Chase Bank USA, NA's Website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Excellent,Good

$750 cash back

On U.S. Bank's Website

Partner Offer

Rates & Fees / Terms Apply

The American Express Blue Business Cash™ Card

No annual fee

Excellent/Good

Earn $250

On American Express's Website

Signify Business Cash℠ Card by Wells Fargo

Good, Excellent

$500 bonus

Best 0% Intro APR Business Credit Cards of 2025

Best Intro APR Business Card for Earning Flexible Rewards

The Blue Business® Plus Credit Card from American Express

On American Express's Website

Partner Offer

The Blue Business® Plus Credit Card from American Express

Rates & Fees / Terms Apply

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

17.49% - 27.49% Variable

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate of 17.49% to 27.49% applies.

Why We Like It

Get The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) for the intro APR offer and keep it for the earn rate of 2 Membership Rewards points per dollar on everyday business purchases up to the first $50,000 spent per year, then 1 point per dollar on all other purchases. Those Membership Rewards® points can save you a ton on travel when used to book flights through Amex Travel or by transferring them to a number of airline and hotel loyalty program partners.

What We Don’t Like

The card’s intro APR offer is short compared to what you can find on other cards 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 more than $50,000 annually.

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 annually in operating expenses.

Pros & Cons

Wide variety of airline transfer partners
No annual fee
High rewards rate on the first $50,000 in annual spending

There is 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, 17.49% – 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X 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. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Best Intro APR Business Card for Bonus Cash Back

Ink Business Cash® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

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

Regular APR

17.49% - 25.49% Variable

Credit Score

Excellent, Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% introductory APR on purchases for 12 months, then a standard APR of 17.49% to 25.49% 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.

Why We Like It

In addition to the intro purchase APR, the Ink Business Cash® Credit Card offers excellent rewards on everyday business expenses like internet, cable and phone services, office supply store purchases, gas and dining.

In addition to receiving an impressive welcome bonus for no annual fee, cardholders will be automatically reviewed for a credit line increase, which can help to increase their purchasing power as their business grows.

Don’t overlook the extras, either. The Ink Business Cash Card comes with primary auto rental coverage when renting for business purposes, plus purchase protection and extended warranty protection.

What We Don’t Like

The cap on the bonus rewards categories may hold back bigger spenders. Like most others on our list, the Ink Business Cash only offers an intro APR on purchases—balance transfers are excluded.

Who It’s Best For

The Ink Business Cash® Credit Card offers business owners the one-two punch of an intro APR on purchases, a strong welcome bonus, plus plenty of ways to maximize your cash back.

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

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 and 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
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

Best Intro APR Business Card for Pairing With Another Chase Card

Ink Business Unlimited® Credit Card

On Chase Bank USA, NA's Website

Rates & Fees

1.5% Reward Rate

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

Welcome Bonus

Earn $750 bonus cash back

Annual Fee

Regular APR

17.49% - 23.49% Variable

Credit Score

Excellent, Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% introductory APR for 12 months on purchases, then a 17.49% to 23.49% variable APR 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.

Why We Like It

In addition to its intro APR offer on purchases, the Ink Business Unlimited® Credit Card earns easy-to-digest rewards of 1.5% cash back rewards on every business purchase. The card also comes with a big welcome bonus and a slew of useful protections like primary auto rental coverage when renting for business, purchase protection and extended warranty coverage.

What We Don’t Like

Other cards may offer longer intro periods on purchases. This card’s rewards are most valuable when combined with a premium Ultimate Rewards®-earning card and used for travel, which may be more than some want to juggle.

Who It’s Best For

The Ink Unlimited card is best for business owners who already have a premium Chase card that earns Ultimate Rewards points and are seeking an intro offer on purchases via a new card.

Pros & Cons

Unlimited 1.5% cash back rewards on every business purchase
No annual fee
Large welcome bonus
0% Intro APR on Purchases for 12 months
Cash back awarded as Ultimate Rewards, which can be combined with premium Chase credit card accounts for better reward redemption options

High foreign transaction fees
High balance transfer fees

Card Details

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Best Intro APR Business Card for a Big Welcome Bonus

U.S. Bank Triple Cash Rewards Visa® Business Card

On U.S. Bank's Website

U.S. Bank Triple Cash Rewards Visa® Business Card

Rates & Fees

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

Regular APR

17.99% - 26.99% Variable

Credit Score

Excellent,Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% intro APR on purchases for the first 12 billing cycles followed by a variable APR of 17.99% to 26.99%.

Why We Like It

The U.S. Bank Triple Cash Rewards Visa® Business Card offers an excellent mix of interest savings, top-tier rewards and annual benefits, making it a solid choice even without the intro APR on purchases.

The card also offers a generous welcome bonus, which is especially notable for a card with no annual fee.

Beyond the intro APR, you can earn cash back at a respectable rate on gas, office supply stores, cellphone service providers and restaurant spending, plus an annual $100 credit toward eligible recurring software subscriptions.

What We Don’t Like

This card’s bonus categories are likely best for smaller, locally-focused businesses where driving, dining and office supplies make up a big portion of their budget. But you’ll need to look elsewhere if you’re a national or online-only company hoping to earn bonus rewards for things like shipping or online advertising.

Who It’s Best For

This card is best suited for business owners who need an intro APR period and whose spending aligns with the card’s bonus categories.

Pros & Cons

No annual fee
Earn 3% cash back on eligible purchases at gas stations, EV charging stations (on transactions of $200 or less excluding discount stores, supercenters and wholesale clubs), office supply stores, cellphone service providers and restaurants.
Low introductory APR on purchases

Reward categories may not align with how your business spends
No intro APR on balance transfers
Ongoing rewards outside of the bonus categories earn only 1%

Card Details

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 (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
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.
Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
Terms and conditions apply.

Best Intro APR Business Card for Flat Cash Back

The American Express Blue Business Cash™ Card

On American Express's Website

Partner Offer

The American Express Blue Business Cash™ Card

Rates & Fees / Terms Apply

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

17.49% - 27.49% Variable

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% intro APR on purchases for 12 months from the date of account opening, then a 17.49% to 27.49% variable APR applies.

Why We Like It

The American Express Blue Business Cash™ Card (Terms apply, see rates & fees) is nearly identical to The Blue Business® Plus Credit Card from American Express except instead of earning Membership Rewards® points, the Blue Business Cash earns cash-back. If you prefer to avoid the fuss of thinking about how to maximize your redemption values, it’s hard to pass up the Blue Business Cash.

The card also offers authorized user cards for no additional fee, purchase protections¹ and extended warranty coverage¹.

What We Don’t Like

The biggest drawback with the Blue Business Cash is its $50,000 annual spending cap on the 2% rewards rate. After that threshold you’ll earn just 1% on your spending, so bigger spenders should consider other options.

Who It’s Best For

Owning The American Express Blue Business Cash™ Card can benefit those who spend less than $50,000 annually and want to earn cash back.

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

Investing Writer

For companies with moderate spending, the Blue Business Cash offers one of the simplest deals for earning rewards. Businesses earn strong, flat-rate cash back on purchases which is automatically credited to your statement without needing to pay an annual fee or remember bonus categories, all while getting other popular Amex perks like vendor payment tools.

Pros & Cons

No annual fee
Introductory APR on purchases
Business-oriented benefits like employee cards and authorized manager accounts

2% rewards 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, 17.49% – 27.49%, 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.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Best Intro APR Business Card for Wells Fargo customers

Signify Business Cash℠ Card by Wells Fargo *

Up to 2X Reward Rate

Earn unlimited 2% cash rewards on business purchases.

Welcome Bonus

$500 bonus

Annual Fee

Regular APR

17.49% - 25.49% variable

Credit Score

Good, Excellent (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% intro APR on purchases for the first 12 months from account opening, followed by a 17.49% to 25.49% variable APR.

Why We Like It

The Signify Business Cash℠ Card by Wells Fargo* packs a lot in a no annual fee package. The card comes with the intro APR offer on purchases you’re searching for, plus earns an unlimited 2% cash rewards on business purchases. In addition, it comes with some valuable travel perks, too, including primary car rental coverage and a complimentary Priority Pass membership (but you’ll still have to pay lounge entry fees).

What We Don’t Like

You have to be an existing Wells Fargo customer with a checking or savings account that’s been open for at least two months to apply for the card.

Who It’s Best For

The Wells Fargo Signify is best for business owners who already bank with Wells Fargo and want simple 2% cash rewards earnings they can benefit from long after the intro APR offer expires.

Pros & Cons

Simple flat-rate cash rewards of 2% on purchases
Long introductory APR offer on purchases
Complimentary annual Priority Pass membership, lounge access fees apply
Free employee cards

No opportunities for higher earning categories
Rewards cannot be transferred to travel partners to boost your reward value
The card charges foreign transaction fees
Balance transfers are not permitted on this card
Applicants must have a Wells Fargo checking or savings account to apply online.

Card Details

Earn a $500 bonus after spending $5,000 in purchases in the first 3 months of account opening
Earn unlimited 2% cash rewards on eligible purchases
Intro APR offer on purchases
No annual fee

Best Intro APR Business Card for Balance Transfers

State Farm® Business Cash Rewards Visa Signature® Card *

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

Regular APR

18.24% - 27.24% variable

Credit Score

Excellent/Good (700 - 749)

Our Expert Take

Intro APR Offer

Get a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a standard APR of 18.24% – 27.24% variable applies. Balance transfer fee of 3% of the amount of each transfer, $5 min. applies.

Why We Like It

If you need a purchase and balance transfer introductory offer, the State Farm® Business Cash Rewards Visa Signature® Card* is one of the only business credit cards that affords that option.

The card also offers strong rewards on insurance premiums—a rarity among rewards cards—as well as gas stations and EV charging stations, cellphone service providers, office supply stores and dining expenses.

Other perks include a $100 annual credit on eligible recurring software subscriptions, plus up to $200 in auto insurance deductible reimbursements if you meet certain requirements.

Plus, the card offers cellphone protection and purchase security.

What We Don’t Like

If you need as much time as possible to pay down a large purchase, other cards offer longer intro APR periods on new purchases. Also, there’s no welcome bonus offered to new cardholders.

Who It’s Best For

The State Farm Business card is an excellent choice if you need to pay down high-interest credit card debt from another card and also if you have significant insurance premiums.

Pros & Cons

No annual fee or foreign transaction fees
3% cash back in a variety of categories, including insurance premiums
Intro APR offer that includes balance transfers
Up to $200 auto deductible reimbursement

No welcome offer
Limited redemption options

Card Details

Earn 3% cash back on insurance premium payments, up to $4,000 spent annually
Earn 3% cash back at gas and EV stations (transactions of $200 or less), cell phone service providers, office supply stores and on dining purchases
Earn 1% cash back on all other eligible purchases
$100 annual software subscription credit

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

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

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

Regular APR

17.49% - 27.49% Variable APR on purchases and balance transfers

Credit Score

Excellent Credit (750 - 850)

Our Expert Take

Intro APR Offer

Get a 0% introductory APR on purchases for the first 9 billing cycles, then a 17.49% to 27.49% variable APR applies thereafter on purchases and balance transfers. A balance transfer fee of 4% of the amount of each transaction applies.

Why We Like It

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 top cash-back category, giving cardholders increased flexibility to earn rewards on nontraditional categories. 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 ramp up your cash-back earnings.

What We Don’t Like

The intro APR period is rather short and only applies to new purchases. Also, the card’s bonus rewards are capped at a combined $50,000 spent in bonus categories per calendar year and the base rewards rate is just 1%.

Who It’s Best For

The Business Advantage Customized Cash card is for businesses that are Preferred Rewards program members who want to choose their own bonus rewards categories.

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 17.49% to 27.49% 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.

Best Intro APR Business Card for Lengthy Offer

U.S. Bank Business Platinum Card

On U.S. Bank's Website