Best 0% APR Credit Cards of 2025 (And a Smarter Alternative for Business Owners)

If you're a business owner using personal credit cards to fund your startup or scale operations, you're not alone, but you are at risk of hitting some major roadblocks.

Sure, 0% APR credit cards sound like a great solution. No interest for a set period of time? Sounds like free money. But when you’re building a business, personal cards can quickly fall short and even do more harm than good.

So before you apply for another personal card because it’s a longer term 0% introductory rate, let’s take a deeper look at the real differences between using personal vs. business credit, and why working with professionals can get you access to higher limits of 0% for longer.

Key Takeaways

• 0% APR credit cards can help with small, short-term needs like paying off a balance or covering a big purchase without interest.
• Using personal credit cards for business expenses can negatively impact your personal credit score and blur financial boundaries.
• All 0% APR cards are tied to your personal credit, which can affect your score if not managed carefully.
• Fund&Grow helps you access up to $250,000 in 0% interest business credit, designed for entrepreneurs, startups, and small business owners.

Top 5 Personal Credit Cards with 0% APR for 2025

If you're looking for a personal credit card that gives you time to pay without interest, here are some of the top options available. Each card below offers an introductory 0% APR period, but they're not all the same.

1. Wells Fargo Reflect® Card

• 0% APR Duration: Up to 21 months (18 months + 3 months with on-time payments)
• Regular APR: 18.24% – 29.99% variable
• Best For: Longest possible time to pay off a balance
• Details: This card stands out for its unusually long intro period. If your main goal is time, not rewards, this one delivers.

2. Citi® Diamond Preferred® Card

• 0% APR Duration: 21 months on balance transfers
• Regular APR: 18.24% – 28.99% variable
• Best For: Transferring existing credit card debt
• Details: This is a popular option for people trying to consolidate debt. However, it doesn't offer rewards for purchases.

3. Chase Freedom Unlimited®

• 0% APR Duration: 15 months on purchases and balance transfers
• Regular APR: 20.49% – 29.24% variable
• Best For: Earning cashback while avoiding interest
• Details: You'll get 1.5% cashback on everything, which makes this card useful even after the intro period ends.

4. Bank of America® Customized Cash Rewards Card

• 0% APR Duration: 18 billing cycles on purchases and balance transfers
• Regular APR: 18.24% – 28.24% variable
• Best For: Flexible cashback categories
• Details: This card lets you choose your highest-earning category. Great for people who want a bit more control.

5. Discover it® Balance Transfer

• 0% APR Duration: 18 months on balance transfers
• Regular APR: 17.24% – 28.24% variable
• Best For: Cashback plus long-term savings
• Details: This card offers 5% cashback on rotating categories and matches all cashback in the first year.

Each of these cards gives you a temporary break from interest. But keep in mind that most of them come with low starting limits and higher rates once the intro period ends.  If you’re managing larger expenses or trying to grow a business, personal credit cards may not be the right fit. These cards report to your personal credit, so high balances and minimum payments will reflect on your personal credit report.

The Problem With Using Personal 0% Credit Cards for Business Expenses

There are dozens of 0% APR credit cards on the market, and many offer decent perks, especially for short term needs like balance transfers or a one time large purchase. But when it comes to growing a business, here’s where personal cards can hold you back:

Lower Credit Limits

Most personal cards cap you between $3,000 - $10,000, even with good credit. That might help with one marketing push or inventory restock, but it won’t fuel your next major growth phase.

Blurs the Line Between Personal & Business Finances

Mixing personal and business expenses can be a bookkeeping and tax nightmare. It also increases your liability. If your business is ever audited or sued, your personal finances could be at risk. Keeping them separate protects you and helps establish real business credit.

Personal Credit can be Negatively Impacted

If you miss a payment on your 0% personal card, use too much of the available limit your credit score could drop. For entrepreneurs or anyone trying to keep their personal and business finances separate, this can become a problem quickly.

The truth is that these cards are designed for short-term needs. They work best when you have a small balance and a clear plan to pay it off before the promo ends. If you need something more flexible, with room to grow, consider another option.

A Better Option for Business Owners

If you're an entrepreneur, freelancer, or small business owner, chances are a personal 0% APR card won't take you far enough. You might need more funding and flexibility than these cards can offer.

You might also want to keep  your personal credit out of the equation. That's where Fund&Grow makes a real difference. We help qualified clients access up to $250,000 in 0% interest business credit cards that don’t report to personal credit when managed properly.

Here's how it works:

• You complete the free consultation with our Business Development Team. After a quick review, our team goes over your pre-qualification to determine eligibility.
• Our team creates a personalized application and negotiation strategy in phases so you can unlock more access to 0%, with little impact to personal credit.
• The accounts we help secure are business accounts, that don't show up on your personal credit report, when kept in good standing.
• You avoid high interest. We help you strategize the card stacking process extend the access to 0% offers over longer periods of time than what’s offered on most business credit cards. .

0% APR Personal Cards vs Fund&Grow

If you're deciding between applying for a 0% APR credit card on your own or working with Fund&Grow, it helps to see the key differences. Here's a quick comparison to help you choose the path that fits your goals. 

Personal credit cards can help in the short term, but they're limited in how far they can take you. The funding is smaller, the interest-free period ends quickly, and it automatically reports to your personal credit. But Fund&Grow helps you access larger credit limits, limits personal credit impact, and supports long-term business growth.

Get the Funding You Need to Grow with Confidence

Personal 0% APR credit cards have their place. They can help cover small expenses or give you time to pay off a purchase without interest. But they're not built for growth, and they often fall short when you need more than a few thousand dollars.

If you're starting a business, running one, or getting ready to scale, you need something stronger. Fund&Grow gives you access to up to $250,000 in business credit at 0% interest. You can use it to invest, expand, or take the next big step without negatively impacting your personal credit.

You also get a team that understands how funding works. They handle the strategy, manage the process, and help you avoid the common mistakes that business owners make with credit.

Ready to fund your growth the smart way?

Book your free consultation with our team today to find out how much you may qualify for in 0% business credit.

Frequently Asked Questions

What personal credit card has the longest 0% APR?

As of 2025, the Wells Fargo Reflect® Card offers one of the longest 0% APR periods on purchases, up to 21 months, and qualifying balance transfers if you make on-time payments. It's a strong option if you're looking for the most time to pay without interest. Just keep in mind: using more than 35% of your credit limit can hurt your personal credit score, so managing utilization is key.

Can I use personal credit cards for my business?

You can—but it’s risky. It can lower your credit score, mix your finances, and limit your growth. Business credit is the safer and smarter route. 

What is a good credit score for 0% APR?

Most 0% APR credit cards require good to excellent credit, which usually means a score of 680 or higher. For the top-tier cards with the longest 0% periods, a score above 720 may give you the best chance of approval and higher limits.

About the Author:

Ari Page is the Founder and CEO of Fund&Grow, helping entrepreneurs, investors, and small business owners secure up to $250,000 in 0% interest business credit cards. Since 2007, he has grown Fund&Grow into an Inc. 5000 company, securing nearly $2 billion in business credit cards for thousands of clients. With 6,000+ 4.9-star reviews and an A+ BBB rating, Fund&Grow is a trusted leader in business funding. Ari is also the author of Fund&Grow: Easy & Affordable Ways to Get Money for Your Business and a passionate advocate for mindset, success, and the Law of Attraction. He lives in Spring Hill, FL, inspiring others to grow their businesses and achieve financial freedom.