Author Topic: Business Credit Cards with 0% intro APR for purchases  (Read 2383 times)

Offline ExGingi

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Business Credit Cards with 0% intro APR for purchases
« on: February 13, 2023, 03:54:11 PM »
I can use a card with 0% APR on purchases (longer period preferred, but not critical, if there's a good SUB) with a nice size Credit Line.

Since I plan on taking advantage of the intro period, I would like to have a business card that doesn't report on personal credit file.

I've had Chase Ink in the past, but am currently blacklisted with Chase.

AMEX BP gives 12 months, I currently have.

US Bank has 18 months 0% APR, but not SUB and no CB or points (I also don't have experience with them on business cards, so IDK if they report on personal credit file, and how generous they are with business credit lines, on personal lines they don't seem that generous).

Bank of America has a few business cards that offer CB or Travel Points (not sure what those are worth) with 7-9 months of 0% APR and a $300 SUB - any of these might fit the bill for me. Do they report on personal credit file? Are they generous with credit lines?

Any others?
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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #1 on: February 13, 2023, 04:13:34 PM »
Have you tried Chase since being blacklisted?
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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #2 on: February 13, 2023, 04:24:38 PM »
Amex Blue business plus?

Offline ExGingi

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #3 on: February 13, 2023, 04:26:03 PM »
Have you tried Chase since being blacklisted?

Yes. I've had a few COs with them in the past as well as a few accounts (including a HELOC) settled for substantial discounts.

And a while ago DW got a shutdown out of the blue on all Chase personal accounts (business accounts stayed open). We've never figured out what triggered that.
« Last Edit: February 13, 2023, 04:38:04 PM by ExGingi »
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Offline chbochur

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #4 on: February 13, 2023, 07:29:36 PM »
I can use a card with 0% APR on purchases (longer period preferred, but not critical, if there's a good SUB) with a nice size Credit Line.

Since I plan on taking advantage of the intro period, I would like to have a business card that doesn't report on personal credit file.

I've had Chase Ink in the past, but am currently blacklisted with Chase.

AMEX BP gives 12 months, I currently have.

US Bank has 18 months 0% APR, but not SUB and no CB or points (I also don't have experience with them on business cards, so IDK if they report on personal credit file, and how generous they are with business credit lines, on personal lines they don't seem that generous).

Bank of America has a few business cards that offer CB or Travel Points (not sure what those are worth) with 7-9 months of 0% APR and a $300 SUB - any of these might fit the bill for me. Do they report on personal credit file? Are they generous with credit lines?

Any others?
Bank of America should be a decent option. Ime they don't report and give reasonable limits.
Another option is citizens They give 6 months with a $325 sub plus  and ime they give a sizable limit.

Offline 1najol1

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #5 on: February 14, 2023, 01:25:37 AM »
Blue Business Cash Card from AMEX.
2% Cash Back on All purchases on up to $50K in Purchases annually.
Earn a $250 statement credit after you spend $3,000  in first 3 months.
0% introductory APR  for 12 months.

Offline ExGingi

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #6 on: February 14, 2023, 05:58:55 AM »
Blue Business Cash Card from AMEX.
2% Cash Back on All purchases on up to $50K in Purchases annually.
Earn a $250 statement credit after you spend $3,000  in first 3 months.
0% introductory APR  for 12 months.

Does one get the SUB if currently have the MR version of the card?
I've been waiting over 5 years with bated breath for someone to say that!
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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #7 on: February 14, 2023, 09:25:54 AM »
I think so, it’s 2 completely different cards. I actually got the SUB for both

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #8 on: February 14, 2023, 09:50:11 AM »
And If you’re after the 12 months from your 0 APR on the blue plus you can transfer over most of your credit line to your new Blue Cash and you’ll be able to enjoy another 12 months of 0 APR

Offline KidOOO

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #9 on: Yesterday at 09:21:58 PM »
I can use a card with 0% APR on purchases (longer period preferred, but not critical, if there's a good SUB) with a nice size Credit Line.

Since I plan on taking advantage of the intro period, I would like to have a business card that doesn't report on personal credit file.

I've had Chase Ink in the past, but am currently blacklisted with Chase.

AMEX BP gives 12 months, I currently have.

US Bank has 18 months 0% APR, but not SUB and no CB or points (I also don't have experience with them on business cards, so IDK if they report on personal credit file, and how generous they are with business credit lines, on personal lines they don't seem that generous).

Bank of America has a few business cards that offer CB or Travel Points (not sure what those are worth) with 7-9 months of 0% APR and a $300 SUB - any of these might fit the bill for me. Do they report on personal credit file? Are they generous with credit lines?

Any others?

Can you share what you ended up getting?

I would like to know what else is out there besides Chase Inks & Amex Blues with 0% APR

Offline ExGingi

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #10 on: Yesterday at 09:24:47 PM »
Can you share what you ended up getting?

I would like to know what else is out there besides Chase Inks & Amex Blues with 0% APR

I got a couple of BofA as well as AMEX.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline chbochur

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #11 on: Yesterday at 11:42:36 PM »
Can you share what you ended up getting?

I would like to know what else is out there besides Chase Inks & Amex Blues with 0% APR
Us bank has one now for 15 months if you could get approved

Offline ExGingi

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #12 on: Today at 02:43:19 AM »
Us bank has one now for 15 months if you could get approved

Business?
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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #14 on: Today at 08:28:46 AM »
https://www.fnbo.com/small-business/credit-cards/evergreen
Ever ready for where your business takes you.
Earn Unlimited 2% CASH BACK2 on every purchase. Every day. Everywhere.
$200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.2
No Annual Fee.1
No Category Restrictions.
No Rewards expiration.2
Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend.2
0% introductory APR1 on purchases for the first 6 billing cycles after account is opened. After that, a variable APR1 based on the Prime Rate between 19.24% and 29.99% APR depending on your creditworthiness.
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Offline chbochur

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #15 on: Today at 11:41:30 AM »
https://www.usbank.com/business-banking/business-credit-cards/business-platinum-credit-card.html
This one is also a great option as it's 18 months, but I happened to have been referring to the triple cash rewards Visa which has 15 months but comes with a $500 sign up bonus. (Obviously if the three months of interest at the end comes out to be more then $500 the other card is the smarter choice)

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #16 on: Today at 11:42:52 AM »
This one is also a great option as it's 18 months, but I happened to have been referring to the triple cash rewards Visa which has 15 months but comes with a $500 sign up bonus. (Obviously if the three months of interest at the end comes out to be more then $500 the other card is the smarter choice)
Can you or why not do both?
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Offline chbochur

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Re: Business Credit Cards with 0% intro APR for purchases
« Reply #17 on: Today at 12:12:27 PM »
Can you or why not do both?
100 percent. Not sure why I didn't think that way:) or if they don't need that much zero apr why get them both now?