A 0% APR business card lets you buy equipment now and pay it off over 12 months without interest. Here are the best options for refund-funded startups.
Best 0% APR
Chase Ink
12 months
Best Rewards
Amex BBP
2x points
Best Cashback
Cap One
2% flat
Why Use a Business Card for Startup Purchases?
- 0% APR: Finance equipment without interest for 12 months
- Rewards: Earn points/cash back on every purchase
- Build credit: Establishes business credit history
- Separate finances: Keeps business expenses off personal cards
1. Chase Ink Business Cash — Best for Equipment
0% APR for 12 months + 5% back on office supplies and internet. $750 bonus after $6,000 spend.
- 0% APR: 12 months on purchases and balance transfers
- Rewards: 5% office supplies/internet, 2% gas/restaurants, 1% else
- Best for: Buying computers, software, office furniture
2. Amex Blue Business Plus — Best for Diverse Spending
0% APR for 12 months + 2x points on everything up to $50,000/year.
- 0% APR: 12 months
- Rewards: 2x Membership Rewards on all purchases
- Best for: Mixed spending that doesn't fit bonus categories
3. Capital One Spark Cash Select — Best Simple Cashback
1.5% cash back + 0% APR for 9 months. No annual fee.
- 0% APR: 9 months
- Rewards: 1.5% unlimited cashback
- Best for: Simple rewards without category tracking
| Card | 0% APR | Rewards | Annual Fee | Bonus |
|---|---|---|---|---|
| Chase Ink Cash | 12 mo | 5%/2%/1% | $0 | $750 |
| Amex BBP | 12 mo | 2x points | $0 | None |
| Cap One Spark | 9 mo | 1.5% cash | $0 | $500 |
⚠️ Pay Before APR Ends
If you don't pay off the balance before the 0% APR period ends, you'll owe interest on the entire original balance — not just the remaining amount. Set a calendar reminder 2 months before expiration.