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0% Business Credit Cards: Information & FAQs
Qualification Requirements
A credit score of 720 or higher is required to qualify for this program.
Watch this qualifying video for more details.
Why 0% Business Credit Cards Exist ?
Banks offer these cards expecting you to carry a balance after the 0% period ends, which shifts to higher interest rates.
We strongly recommend having an exit strategy to pay off balances before the 0% period expires.
Financial Benefits
Interest savings example (based on $100,000 loan):
Compared to a 12% standard loan: $4,500 savings
Compared to 24% personal credit cards: $16,500 savings
Extensions and new rounds of 0% periods have been possible in the past but are not guaranteed.
Fees & Costs
No upfront fees
The only fee is a Success Fee based on the total card value received, charged only after approval.
No charges from credit card companies – our partner is compensated via the Success Fee.
Success Fee can be paid using the new cards, delaying payment for up to a year.
Bonuses paid in the first months provide additional cash flow benefits.
How These Cards Work
No interest for one year
Minimum monthly payment: 1% of the balance (can be withdrawn again the next day)
Personal credit cards(not these) require 3% monthly payments (2% interest + 1% principal), making cash flow tighter and less desirable than there 0%.
Balances are not required to be paid until the end of the 0% period
Maximizing Your Credit Limits
You can use multiple LLCs to obtain higher credit limits.
Our partners have relationships with high-level bankers to secure higher limits and bonuses than online applications.
Impact on Personal Credit Score
If you're currently using personal credit cards for business, switching to 0% business credit cards may increase your credit score by lowering utilization.
Using personal cards for business can hurt your credit score, especially when applying for higher limits.
If You Don’t Quite Qualify
There may be ways to improve your qualifications to meet requirements.
No guarantees, but additional time and counseling might help.
Referral Opportunities
Once qualified, you may be eligible to earn commissions by referring others to our program.
Key Considerations
These cards are best used where credit cards are accepted.
At the end of the 0% period, rates will revert to the regular bank rate.
Converting the cards to cash is possible but not recommended due to higher costs.
To maximize benefits, hold funds until needed to pay off the balance before the 0% period ends.
Have More Questions?
Submit your questions using our online form.
Our team will respond promptly to assist you!