0% Intro APR Business Credit Cards Up to $300,000
Keep more cash inside your business during the 0% intro period. A Trifecta Business Group business credit card matches you with issuers offering up to $300,000 in revolving credit at 0% intro APR — so a big purchase, inventory buy, or ad push runs interest-free while the business generates the cash to pay it off. Because approval leans on personal credit and entity registration — not business tax returns — this is one of the best funding tools for new business startups.
Soft credit pull No business tax returns required Up to $300K credit limit
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Interest-Free Working Capital During the Intro Period
A 0% intro APR business credit card is one of the cheapest capital tools a qualified business can access — and it is especially powerful for new business startups that do not yet have business tax returns. Because approval leans on personal credit and entity registration rather than revenue history, a startup with a 680+ FICO and a registered LLC can access the same 0% intro window as an established company. We match registered businesses with issuers whose 0% intro window turns a planned purchase into an interest-free short-term loan, paid back from the revenue that purchase produces.
Interest-Free Window
Carry a balance at 0% through the intro period instead of paying interest on a short-term loan.
- Intro APR
- 0% during the intro period (typically 9–18 months).
- After Intro
- Standard purchase APR applies to any remaining balance.
High Credit Limits
Qualified businesses can access limits up to $300,000 — enough to fund inventory, equipment, or a campaign.
- Credit Limit
- Up to $300,000 for strong personal credit and established entities.
- Revolving
- Available credit resets as you pay down the balance.
Personal Guarantee
Approval leans on the owner's personal credit and the strength of the registered entity.
- Underwriting
- Tri-merge FICO and entity registration, not business revenue alone.
- Reporting
- Many issuers report to business credit bureaus, building your business file.
Model your purchase against the 0% intro window
The math that makes a 0% intro card powerful: if the revenue your purchase generates pays the card down before the intro period ends, the capital was free. Set your planned purchase, the intro window, and your monthly paydown to see the balance you carry into interest — and the interest you avoid versus a typical short-term loan.
Estimates only. Intro length, limits, and APRs vary by issuer and credit profile. Confirm actual terms with the issuer before carrying a balance.
The Minimum Requirements That Actually Gate This Card
Unlike revenue-based lending, a 0% intro APR business credit card is underwritten on the owner's personal credit, the entity's registration status, and residency. These four minimums are the real bar — missing one usually ends the application before revenue is even discussed.
680+ FICO
680+ FICO (tri-merge) across all three bureaus.
Registered Entity
Registered with the Secretary of State — typically an LLC. Sole proprietors do not qualify.
Proof of Residency
Current proof of residency verifying the owner's address.
Citizenship
American citizen or permanent resident.
0% Credit Card Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and uses a soft credit pull.
What this calculator works out
This eligibility calculator estimates how your revenue, time in business, and credit score line up with 0% intro APR business credit card minimums — 680+ FICO, registered entity, U.S. citizen or permanent resident — before you submit an application.
Questions, Answered
It is a business credit card that charges 0% interest on purchases (and sometimes balance transfers) during a set intro period, typically 9 to 18 months. After the intro period ends, the standard purchase APR applies to any remaining balance. For a qualified business it functions like a short-term, interest-free loan.
Strong files can reach limits up to $300,000, but the real limit depends on your personal FICO, the strength and age of your registered entity, and overall credit exposure. We match you with issuers most likely to approve your profile at the highest limit.
No. These cards require a business registered with the Secretary of State — typically an LLC, S-corp, or C-corp. Sole proprietorships do not meet the entity requirement.
No. We use a soft credit pull to check your initial eligibility, so your personal credit score is not affected. A hard pull only happens if you choose to formally apply with a specific issuer.
Any remaining balance begins accruing interest at the standard purchase APR. The smart move is to structure the purchase so the revenue it generates pays the card down before the intro window closes — that is what the simulator above is for.
Yes. Because a 0% intro APR business credit card is underwritten on the owner's personal credit and entity registration — not business revenue or tax returns — it is one of the best funding tools for a new business startup. If you have a 680+ FICO, a registered LLC, proof of residency, and U.S. citizenship or permanent residency, you can access up to $300,000 in interest-free revolving credit during the intro period, even without an established business financial file.
See if your profile qualifies for up to $300K at 0% intro
A soft credit pull, no business tax returns required, and 50+ lending partners competing for your business. If your entity is registered, your FICO is 680+, and you can show proof of residency, this is the cheapest short-term capital you can access — and one of the best funding tools for new business startups.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015