0% Business Credit Cards
- 0% intro APR, typically for 12 to 21 months.
- Combined credit limits up to $150,000.
- No revenue or time in business required.
- Earn rewards and build business credit as you go.
- 0% Intro APR
- Up to $150K
- No Revenue Required
- 5 Minute Application
Funding Quiz · 60 seconds
See how much 0% Business Credit Cards you could qualify for
Answer a few quick questions. Checking won't affect your credit score.
How much funding do you need?
No hard credit pull. Your info stays private.
What are 0% Business Credit Cards?
0% business credit cards come with an introductory period, usually 12 to 21 months, where you pay no interest on purchases. By getting approved for several cards in the right order, a strategy known as credit stacking, you can access a large amount of interest-free capital to launch or grow your business.
Because approvals are based mainly on your personal credit, this is one of the best funding options for startups and brand-new businesses with no revenue yet. Your Rrova advisor plans which cards to apply for and in what order, so you maximize your total limits while protecting your credit.
0% Business Cards at a glance
- Total limits
- Up to $150,000
- Intro APR
- 0% for 12 to 21 months
- Time in business
- Not required
- Revenue
- Not required
- Collateral
- None
- Credit check to start
- No hard pull
Who it's best for
- Startups with no revenue yet
- Owners with 680+ personal credit
- Short-term growth and launch costs
- Anyone who wants to avoid interest
How 0% Business Cards works with Rrova
- 1
Take the funding quiz
Answer a few questions so we can see where your credit stands today. No hard pull.
- 2
Get your stacking plan
Your advisor reviews your profile and builds a plan for which cards to apply for and in what order.
- 3
Apply the right way
We time your applications strategically to maximize approvals and your combined credit limits.
- 4
Use your 0% capital
Spend interest-free during the intro period, and we'll help you plan to pay it down before the rate ends.
What can you use 0% business cards for?
- Launching a new business
- Inventory and supplies
- Marketing and advertising
- Software, tools and equipment
- Travel and business expenses
- Bridging the gap before revenue
What's included with Rrova
- Credit profile review and prep
- A custom card stacking plan
- Strategic application timing
- Guidance on paying down before the intro rate ends
Do I Qualify For 0% Business Credit Cards?
Minimum requirements
- 680+ FICO Score
- Low Credit Card Utilization
- No Recent Late Payments
To qualify for our business funding programs you'll need to meet a few minimum requirements. If you're not quite there yet, we'd still love to help you get there.
See If You QualifyYou deserve great service. With Rrova, you get real people to talk to.
Your U.S.-based funding advisor is here to help you through each step of the funding process.
Frequently asked questions
Will this hurt my credit?
Each card application is a hard inquiry, which can lower your score slightly for a short time. We plan and time your applications to keep the impact as small as possible. The quiz and your review never require a hard pull.
What happens when the 0% period ends?
Any remaining balance starts accruing interest at the card's regular APR. Your advisor helps you plan to pay down or refinance before then.
Do I need an established business?
No. Approvals are based mainly on your personal credit, so brand-new businesses and startups can qualify.
What if my credit isn't at 680 yet?
Start with our AI credit repair. Once your profile is ready, we'll build your stacking plan.
Explore other programs
Business Line of Credit
A revolving credit line you draw from as needed and only pay on what you use. Ideal for ongoing expenses and unexpected opportunities.
Learn more
Working Capital
Upfront capital based on your business revenue to cover payroll, inventory, and operating costs. Quick decisions with minimal paperwork.
Learn more
Equipment Financing
Finance vehicles, machinery, technology, and tools with fixed monthly payments. The equipment itself secures the financing.
Learn moreImportant funding information
Rrova is a financial consulting firm, not a bank or direct lender. We help position your business to apply for third-party business credit and funding products. Any fees for our services are disclosed to you in writing before you enroll.
Funding amounts
Access up to $200,000 in business funding based on your credit profile, lender criteria, and approval. Amounts are not guaranteed and vary by applicant.
Rates & terms
Rates, terms, and any introductory offers are set by the lender and depend on your qualifications. Standard terms apply after any promotional period.
Collateral & guarantees
Unsecured funding options may be available without collateral. Personal-guarantee requirements vary by product and lender.
Timeline
Initial review typically takes 24–48 hours. Actual lender approval and funding times vary.