The Bank is opened for Business — Go do some business!
Starting or scaling your business?
Upfront investments can be daunting, but what if you could fund your growth interest-free and earn rewards points while doing it?
Enter 0% APR business credit cards—a game-changing tool for entrepreneurs looking to optimize their financial strategy.
Here’s what we’ll cover:
Why 0% APR cards are essential for your business.
The top 3 cards to maximize your cash flow and rewards.
How to use these cards strategically for growth.
Why 0% APR Cards Are Essential
These cards aren’t just for spending—they’re tools for leverage:
Spread out costs: Cover big-ticket expenses like equipment or inventory without incurring interest during the promotional period.
Boost cash flow: Keep cash reserves intact while covering day-to-day business expenses.
Earn while you spend: Many cards reward you with cashback or travel points, turning your expenses into opportunities.
Top 3 Business Credit Cards for 0% APR
Ink Business Unlimited® Credit Card
Why it’s great: Simple, unlimited 1.5% cash back on all purchases with no annual fee.
Key benefits:
0% APR for 12 months.
$750 cash-back after spending $6,000 in the first 3 months.
Rewards can be converted to Chase Ultimate Rewards points for travel redemptions.
Perfect for: Entrepreneurs looking for consistent rewards and flexibility.
Ink Business Cash® Credit Card
Why it stands out: High rewards in key categories like office supplies and utilities.
Key benefits:
0% APR for 12 months.
$750 cash-back after spending $6,000 in the first 3 months.
5% cash-back on office supplies and utilities, 2% at restaurants, and 1% on everything else.
Perfect for: Businesses with high expenses in specific categories.
“Chase Ink Cards are marketed as cash-back cards, but you can redeem that cash back as Ultimate Rewards Points—unlocking more value for travel.”
The Blue Business® Plus Credit Card from American Express
Why it’s unique: Earn 2x Membership Rewards points on all purchases (up to $50,000 annually) with no annual fee.
Key benefits:
0% APR for 12 months.
15,000 Membership Rewards points after spending $3,000 in the first 3 months.
Points transfer to top airline and hotel partners for premium travel.
Perfect for: Entrepreneurs who prioritize travel rewards and simplicity.
How to Use 0% APR Cards Strategically
Choose the right card: Match the card to your specific business needs—whether for large purchases, everyday spending, or rewards optimization.
Plan repayment: Avoid interest by creating a clear repayment plan before the 0% APR period ends.
Maximize rewards: Take advantage of bonus categories to earn points or cashback with every transaction.
Pro Tip: Combine cards for maximum benefits. Use the Ink Business Unlimited for consistent cash-back and the Blue Business Plus for premium travel rewards.
Award Booking of the Week
Turkish Airlines Business Class: San Francisco (SFO) to Istanbul (IST)
Cash Rate: $3,800
Award Rate: 65,000 miles + $218
Award Rate: 65,000 miles + $218
Cash Rate: $3,807
With the right points strategy, the business owner would save over $5,000 on their round-trip ticket to Turkey.
Lesson: Accumulating points is great, but redeeming them strategically is the goal.
Don’t hoard your points—let them take you places.
How Freemium Traveler Can Help You
Travel Rewards Consultation: Learn how to turn everyday spending into travel experiences. We’ll help you pick the best cards, maximize your points, and redeem them like a pro.
Award Booking Service: Have points but don’t know how to use them? We’ll book your trips for the best value—whether it’s luxury flights, five-star stays, or both.
Business Funding Strategy: Do you need capital to grow your business? We’ll guide you through securing funding using the bank’s money.
What’s Next?
Don’t let high-interest expenses hold you back. A 0% APR card could be the key to funding your next big move while earning valuable rewards.
Take the first step: Click here to find the perfect card for your business.
Here’s to smarter spending, financial growth, and endless travel opportunities.
See you next week in The Leverage Letter!