Starting or scaling a business often requires capital, and one of the smartest ways to access funding without paying high interest is through 0% interest business credit cards. These cards offer a promotional period—often 6 to 18 months—where you can carry a balance without paying interest, making them an excellent tool for managing cash flow and business expenses.
However, before applying, it's crucial to get preapproved to avoid unnecessary hard inquiries on your credit report. In this guide, we'll walk you through how to get preapproved, the top financial institutions offering these cards, and the credit requirements you need to meet to qualify.
Why Getting Preapproved First is Important
Preapproval allows you to check your eligibility for a 0% interest business credit card without affecting your credit score. When you apply for credit directly, lenders conduct a hard inquiry, which can temporarily lower your score. By getting preapproved first, you can:
Know your chances of approval before submitting an official application
Avoid unnecessary hard inquiries that could impact your score
Compare multiple offers to find the best terms for your business
Plan your business financing strategy with confidence
Now that you understand the benefits, let’s explore how to get preapproved and which financial institutions offer the best 0% interest business credit cards.
Top 5 Financial Institutions Offering 0% Interest Business Credit Cards
These banks currently offer some of the best 0% interest business credit cards with attractive introductory rates:
Chase – Chase Ink Business Cash® Credit Card (0% APR for 12 months on purchases)
American Express – American Express Blue Business Cash™ Card (0% APR for 12 months on purchases)
Bank of America – Bank of America® Business Advantage Customized Cash Rewards (0% APR for 9 months on purchases)
Capital One – Capital One Spark Cash Select for Excellent Credit (0% APR for 12 months on purchases)
Wells Fargo – Wells Fargo Business Platinum Credit Card (0% APR for 9 months on purchases)
Each of these cards has different perks, such as cashback rewards, travel benefits, and flexible credit limits, making them great options depending on your business needs.
Minimum Personal & Business Credit Requirements
To qualify for a 0% interest business credit card, you must have both good personal credit and a properly established business. Here’s what you need:
Personal Credit Requirements
Minimum FICO Score: 680+ (700+ for better approval odds)
No recent late payments, collections, or charge-offs
Low credit utilization (preferably under 30%)
A mix of credit accounts (revolving and installment loans)
Business Credit & Documentation Requirements
Business must be officially registered (LLC, S-Corp, or C-Corp preferred)
EIN (Employer Identification Number)
Business bank account in good standing
Revenue verification (some cards require a minimum annual revenue of $50,000+)
DUNS number (for business credit reporting with Dun & Bradstreet)
Even if your business is new, having strong personal credit can help you qualify for these offers, as most lenders use your personal credit score as the main deciding factor.
Need Help Improving Your Credit?
If you don’t meet the personal or business credit requirements yet, don’t worry! You can still work on building your credit profile to become eligible.
✅ DIY Credit Repair Software (CreditCoach DIY) – Get access to powerful dispute tools and customized dispute letters to remove negative items from your credit report and boost your score.
✅ Professional Credit Repair Services ($99 to Start!) – Let my team handle everything for you! We’ll dispute inaccurate items, improve your credit profile, and help you qualify for the best funding options.
🚀 Start fixing your credit today and secure funding for your business! 🚀
By improving your credit, you can gain access to 0% interest business credit cards, better financing options, and the funding you need to take your business to the next level. Don’t let bad credit hold you back—start today!
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